vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are numerous account and inquiries that are not mine and were not authorized. I've attached the FTC report and have sent numerous letters to XXXX, Experian and XXXX to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX XXXX to TransUnion, XXXX and XXXX. I did get a response stating that the account was deleted. I disputed this account and duplicate account on XX/XX/XXXX and still did not get a response. I also asked for this account to be reinvestigated within 30 days. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previously deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX XXXX from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The following organizations refuse to remove hard inquiries from my credit file that I did not authorize and ran my credit without my permission, causing my credit score to drop. Dispite the aftermath ; I merely asked for each to reverse the inquiry. I contacted each business and even tried working with each Bureau to have them removed. Only one has actually committed to doing the research and complied ( XXXX ) while the others will not send me proof of its actual findings to support keeping these inquiries on my credit file. 

XXXX XXXX  Cap One NA Capital One Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: GA

Complaint narrative:
The following organizations refuse to remove hard inquiries from my credit file that I did not authorize and ran my credit without my permission, causing my credit score to drop. Dispite the aftermath ; I merely asked for each to reverse the inquiry. I contacted each business and even tried working with each Bureau to have them removed. Only one has actually committed to doing the research and complied ( XXXX ) while the others will not send me proof of its actual findings to support keeping these inquiries on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXWestlake Financial XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have reached out to all 3 credit bureaus about hard inquiries and the soft inquiries from pre approved credit cards on my accounts. I have had security freezes and active fraud alerts on all three credit bureaus agencies for years now because I was a victim of identity fraud. I have called and now sent letters to all three bureaus to erase the hard and soft inquiries that are not related to XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX. The rest need to be taken off and they all keep giving me the run around. I have also contacted all companies and they can not tell me a rhyme or reason why my report was ran and when I tell the credit bureaus they tell me to contact them back and essentially do nothing about it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
I have trying to get my year end statement from Pennymac out of California. I have as of today, XX/XX/22, to receive it. I talked to a representative named XXXX on last Wednesday. She told me she would XXXX  XXXX it to me. 6 days later, nothing. Call the number to her extension and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have reached out to all 3 credit bureaus about hard inquiries and the soft inquiries from pre approved credit cards on my accounts. I have had security freezes and active fraud alerts on all three credit bureaus agencies for years now because I was a victim of identity fraud. I have called and now sent letters to all three bureaus to erase the hard and soft inquiries that are not related to XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX. The rest need to be taken off and they all keep giving me the run around. I have also contacted all companies and they can not tell me a rhyme or reason why my report was ran and when I tell the credit bureaus they tell me to contact them back and essentially do nothing about it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I am currently employed by a third party fiduciary whom in partnership with subscriber agencies locally and federally was able to secure a scholarship and loan for educational purposes for my person. I would like to verify the status of such loan information as it pertains to " 18 U.S. Code 1708 ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal closed my account without giving any tangible reason as to why. I have some funds in the account ( XXXX USD ) which I just received as salary payout. I have tried to reach them but all they could say is I need to wait 180 days. 

Personally I think this is so unfair and purely evil way to treat people. Please recover my funds as I don't really care about using the account anymore at this point. 

Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
The following organizations refuse to remove hard inquiries from my credit file that I did not authorize and ran my credit without my permission, causing my credit score to drop. Despite the aftermath ; I merely asked for each to reverse the inquiry. I contacted each business and even tried working with each Bureau to have them removed. Only one has actually committed to doing the research and compiled ( XXXX ) while the others will not send me proof of its actual findings to support keeping these inquiries on my credit file. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Santander Consumer USA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Hi, on XX/XX/2022 I saw a video on XXXX of XXXX ( XXXX ) XXXX XXXX founder ( XXXX XXXX ) while I watching his video there was a promotion like bonus next to his video saying : We believe that XXXX and XXXX XXXX will make the world more fair. 
To speed up the process of cryptocurrency mass adoption, we decided to run XXXX XXXX XXXX XXXX giveaway. 
Please follow XXXX to participate in the giveaway. 
To participate you just need to send from XXXX XXXX to XXXX XXXX XXXX XXXX to the contribution address and we will immediately send you back XXXX XXXX to XXXX XXXX XXXX XXXX ( XXXX ) to the address you sent it from. 
Send XXXX XXXX, you will get XXXX XXXX XXXX back Send XXXX XXXX XXXX, you will get XXXX XXXX XXXX back Send XXXX XXXX XXXX, you will get XXXX XXXX XXXX back Send XXXX XXXX XXXX, you will get XXXX XXXX XXXX back Send XXXX XXXX XXXX, you will get XXXX XXXX XXXX back so I went to to XXXX and send XXXX shares of my XXXX to their wallet address which is : XXXX. 

and after sending it, i didn't received my bonus which is XXXX shares of XXXX and I chatted with them on the same website and i said i didn't receive any shares of XXXX he said over the chat : Sorry, but you are one of those people whose transactions were lost when the system was rebooted. We are sorry. They got lost in our system but did not cease to be reflected in the blockchain system. To return the funds, you should send one more minimum payment, and then after entering the system we will be able to edit it and adding your transactions will send them to vou XXXX. 

and I found out it is a scam because on the video I saw on XXXX somebody made a fake XXXX account for XXXX XXXX and edited that promotion next to his video to trick people and steal crypto shares from people. they are using the founder 's name and video to scam people. I can't believe i did this stupid thing. ive lost a lot of shares and money and i was so sad about this. I dont even know if there is any way I can get it back or not. but please concern this. I have my crypto in Coinbase pro and emailed Coinbase and they said : All cryptocurrency transactions that are confirmed on the blockchain are irreversible. Coinbase has no information on ownership of external cryptocurrency addresses, and because this is an external process, there is no way for Coinbase to cancel, reverse, or recover these funds on your behalf. is there any way I can get my shares back?? can you track it down to find the person is doing this to people? im so XXXX  about this happed to me. 

Thanks So Much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On or about XX/XX/XXXX, I submitted a dispute to Experian indicating that information reported by XXXXXXXX XXXX XXXX was not valid or accurate. On XX/XX/XXXX, I received a reply from Experian stating that they verified the information as accurate and therefore would not modify the report. 

On XX/XX/XXXX, I received a letter from AXXXX XXXX ( copy attached ) indicating that they were responding to my credit bureau dispute. The letter stated that based on their information, they were instructing each of the credit bureaus ( including Experian ) to delete the account from my credit record. 

Accordingly, I re-opened my dispute with Experian by submitting to them a copy of the letter from the creditor indicating that the record should be deleted from my report. 

On XX/XX/XXXX, I received a reply from Experian indicating that the letter from the creditor was not sufficient to cause them to delete the record and that further investigation verified that the record on my credit report as accurate. 

The letter from the creditor stating that the record should be deleted should be sufficient and final. Unless Experian has some reason to question the validity of the letter itself ( which it should NOT ), Experian has no basis or need to further investigate the creditor 's decision and instruction to remove the record. It is simply absurd and over-reaching for Experian to become involved in the particulars of the dispute after the creditor has acknowledged in-writing that the reported information should be deleted from the credit file. 

The continued reporting of this invalid and negative information on my Experian credit report is impacting my credit score and unjustly interfering with my ability to obtain financing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX ) XXXX XXXX reports that I owe {$140.00} on a secured account opened XX/XX/XXXX and closed XX/XX/XXXX. I have disputed this account asking for my original creditor 's agreement and original signature according the Section 609 ( A ) ( 1 ) ( A ) of the Fair Debt Collections Practices Acts. XXXX and Equifax has failed to provide documented proof on the allegations of this incorrect information damaging my credit report preventing me from getting a new home. I request removal of this record. 

XXXX ) XXXX XXXX is reporting incorrectly. I have disputed this account asking for my original creditor 's agreement and original signature according the Section 609 ( A ) ( 1 ) ( A ) of the Fair Debt Collections Practices Acts. XXXX and Equifax has failed to provide documented proof on the allegations of this incorrect information damaging my credit report preventing me from getting a new home. I request removal of this record. 

XXXX ) NHCASH.COM is not my account. This is fraud. I have disputed this account asking for my original creditor 's agreement and original signature according the Section 609 ( A ) ( 1 ) ( A ) of the Fair Debt Collections Practices Acts. XXXX and Equifax has failed to provide documented proof on the allegations of this incorrect information damaging my credit report preventing me from getting a new home. I request removal of this record. 

XXXX ) XXXX is not my account. I have asked for proof/validation due to identity theft for utility accounts that were established without my knowledge or permission. I have disputed this account asking for my original creditor 's agreement and original signature according the Section 609 ( A ) ( 1 ) ( A ) of the Fair Debt Collections Practices Acts. XXXX and Equifax has failed to provide documented proof on the allegations of this incorrect information damaging my credit report preventing me from getting a new home. I request removal of this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance Collection Agencies, Inc.
State: WI

Complaint narrative:
Alliance Collections, of XXXX, Wisconsin, ( XXXX ) XXXX, keeps on calling me. I don't want them to call me. I paid my bill in full at XXXX XXXX. The last payment was on XX/XX/2022, which brought my balance to {$0.00} due. However, Alliance Collections continues to repeatedly call me - even today on XXXX, which is some sort of harassment. I spoke with the representative at Alliance Collections today, and I asked them to stop calling me. I told the representative that my balance at XXXX XXXX was {$0.00}. I want Alliance Collections to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was former member of a XXXX XXXX branch. The gym closed during covid and I never received notice. The owner of the gym created XXXX XXXX gym at a different location. I never received a written notice of the location change. 

My account was month to month. I never signed a contract. I requested the gym and XXXX XXXX XXXX to provide evidence of rhe {$180.00} debt but they both have failed to provide me anything. I also requsted copies of correspondence notifying me of XXXX closure and new gym location. Again, XXXX XXXX and XXXX XXXX XXXX can not provide me any documentation. 

Today, I spoke to a representative at XXXX XXXX XXXX. I requested a billing summary and a copy of correspondence showing where I was notified. The gym rep said she would email a statement but never did. She does not have records of any notifications. 

XXXX XXXX XXXX request that I prove this is not my debt. They are the debt collector. They are required to provide me documentation. Instead they placed the collection on all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX XXXX to XXXX, XXXX and Equifax. I did get a response stating that the account was deleted. I disputed this account and duplicate account on XX/XX/XXXX and still did not get a response. I also asked for this account to be reinvestigated within 30 days. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previously deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX XXXX from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I paid {$9700.00} for XXXX flights on the XXXX Chase Rewards Credit, and paid an annual fee of {$95.00} for the card. The rewards for doing so were XXXX XXXX  rewards points as per the terms of the cardholder agreement. These were reflected on the XX/XX/XXXX Statement, and Chase indicate that they 'transferred the points ' to the XXXX XXXX XXXX account on XX/XX/2021. However XXXX XXXX have not applied these to my XXXX XXXX account ( Account # XXXX - XXXX XXXX ) and have been contacted 3 separate times over the last 2 months, in addition to contacting Chase 3 times. Customer Service on both sides on each occasion have indicated they will send to the relevant team to resolve and someone will contact me, but no-one has contacted me in more than 2 months. These Avios points are worth more than {$1000.00}, and XXXX XXXX is fraudulently withholding the credit of these points, in violation of the terms of the credit card agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I've received a copy of my Experian credit report and found the following items to be in error. I am being wrongfully denied credit due to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Truist takeover over BB & T is a disaster.

Truist " claimed '' access would be restored Monday XX/XX/22. 
That was just one of many lies. 
Monday ( XX/XX/22 ) they verbally promised emails to reset my password by sending me a reset email. The emails nevet came, nor are they in my " junk '' file. 
THEIR excuse was for their inability to restore access " you must have an old phone! 
The problem is Truist. 
NOT my phone, An offer of a text was never given. 
Today ( XX/XX/22 ) Truist 's system bot said it would send a text message with a reset link. 
No text. 
Another full system check on my phone, Again, nothing is wrong.

They are lying to custimers, treating them like XXXXs, and blaming others for their own negligence, I am XXXX, on Social Security, have to isolate, Truist has all my money, but I can not pay my bills! 
Thankfully, Social Services paid my electric bill. 
Truist has already refused to talk to me ( & hung up on a call ) because of my XXXX & need to record conversations for clarity. ( Legal in my state, guess Truist is " special '' ) Complaint for that was filed Monday, XX/XX/22. 
Please help. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Once debt was paid old XXXX agreed to remove off my report please see attachment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation