vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Commencing on or around XX/XX/2023, I fell victim to two multi-layered scam operations run by a XXXX clone entity which involved me making deposits for a total amount of XXXX USD from my XXXX XXXXXXXX XXXX  account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Checkr, Inc
State: PA

Complaint narrative:
I tried more than 4 times to have my data deleted from their system but their online process to request deletion was cyclical and I could not make the request. I tried every option provided including a chat window but could not get to a place where I could request the deletion of my data.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with de Fair Credit Reporting act XXXX  accounts : XXXX XX/XX/XXXX. 
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XXXX XXXX XXXX XXXX, REPORT XX/XX/XXXX ( {$1600.00} OPEN BALANCE ) In accordance with de Fair Credit Reporting act XXXX  accounts, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-09-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is about the accuracy of the report that XXXX is reporting. Simply, my name is XXXX XXXX XXXX XXXX formerly XXXX XXXX XXXX. I have sent my court documents to XXXX more than twice and the correction has not been made yet. This is and has caused me great pain in trying to get a home loan with two different names on your credit report. As for Experian I only need them to report my entire name as XXXX XXXX XXXX XXXX, I don't do business in the name of XXXX XXXX XXXX. I only do business in my whole name, XXXX XXXX XXXX XXXX. Please! Correct this!

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 2023-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
A cease-and-desist on all phone calls was issued and the company has yet to abide by that request I get phone calls four times a day with one last night being at five minutes to XXXX XXXX. I do not know what this alleged debt is as I have never signed a contract with Midland credit. I do not have an account that I opened with Midland credit because I do not have a signed contract with Midland credit nor an account with Midland, credit the calls, harassment, and negative affect my credit report. Need to stop and be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: The Cadle Company
State: NM

Complaint narrative:
On XX/XX/XXXX, I applied for a loan modification due to me getting XXXX and lost my job. I applied for a loan modification through the current mortgage XXXX Mortgage. I was on track for a modification through XXXX mortgage. XXXX Mortgage sold/transferred my mortgage to the Cadle Company on or about XX/XX/XXXX. 
I made contact with Cadle Companys representative, XXXX XXXX and XXXX XXXX told me that they are not under obligation to continue the loan modification. XXXX XXXX has told me that the XXXX XXXX for XXXX does not apply to the Cadle Company XXXX 
I have further researched the Cadle Company and have learned that they are a debt collector not a mortgage servicer. The previous mortgage company has sent the entire loan modification file to the Cadle company that includes my application for a loan modification. I have also sent the Cadle company a copy of the application that XXXX mortgage had sent to them during the transfer. The Cadle Company has not honored the modification and denied my assistance. I applied with NM XXXX for assistance in catching up with the arrears and the Cadle Company has been paid of {$20000.00} to help catch up on my payments. To date, I have had no luck with the Cadle Company completing the loan modification.

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 2023-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc.
State: KS

Complaint narrative:
I enrolled in XXXX  school in downtown XXXX Wisconsin  in XXXX I got XXXX dollars I had another check but I never returned someone cashed the second check I tried several times to get information about filing a complaint hang ups no answering the phone or recording sound like a conspiracy here I've lost a lot through criminals working for the government I I'm inheriting this mess from my mother XXXX XXXX fraudulent government funds being. misused I've looked for information on blowing the whisle no one addressed this corrupted country I will be looking into. this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with de Fair Credit Reporting act XXXX  accounts : XXXX XX/XX/XXXX. 
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XXXX XXXX XXXX XXXX, REPORT XX/XX/XXXX ( {$1600.00} OPEN BALANCE ) In accordance with de Fair Credit Reporting act XXXX  accounts, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with de Fair Credit Reporting act XXXX  accounts : XXXX XX/XX/XXXX. 
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XXXX XXXX XXXX XXXX, REPORT XX/XX/XXXX ( {$1600.00} OPEN BALANCE ) In accordance with de Fair Credit Reporting act convergence accounts, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
They wont send anything physically or digitally to provide documentation that the debt is mine. There is no proof that the debt belongs to me & they wont provide it. The debt is not mine & now it is showing up on my credit report & my credit is now being ruined from a debt that does not even belong to me. Their customer support hotline is useless. The employees do not care to give helpful information or supply any written information. Scammers trying to collect money and somehow got my information. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
The bank closed my account XX/XX/23 I went to a local branch in XXXX PA and pulled out XXXX and was told I could pull the rest out at a later date. I went for 6 days in a row to different branches and was unable to withdraw my funds only to be told they are mailing a check out. No one knows where the check is going or when it will be delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I've mailed a dispute letter to Equifax after I've noticed several accounts and information that's reporting to my consumer report without my consent and which is also inaccurate or invalid. Equifax is reporting an account that doesn't belong to me and reporting under multiple violations. How are they reporting a debt if there aren't any agreements by me to report it? How can I owe a debt if me and the creditor never had any existing agreements on a balance in order for this debt to occur? I have no knowledge of this company reporting this account in which Equifax should be able to see that we haven't agreed on anything. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, this account shouldn't be reporting.

Violations committed : 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: RFNA, LP
State: TX

Complaint narrative:
I have an outstanding unsecured installment loan with Republic Finance. The loan came about from mailing me a loan check that I could cash and create the loan. This process went fine, there was no issue, and I have used them multiple times before. Until now I was a satisfied customer.

I was contacted by text that I was available for additional funds because of my good status. Since I needed some funds I called the number of the local branch and spoke with XXXX. He took my basic information and then other information that I thought the local branch should have since I am already a customer but I provided it anyway. There was a hard pull on my credit report and then I was told the loan has been approved. I was asked to submit additional documents like paystubs, photo ID, voided check. I send it in over their portal and I received a phone message that everything is good they just need to get some additional information. 
The additional information was to request descriptions of personal property as this loan was being converted to a secured loan.I was never informed that this was to be a secured loan. If I had been I would not have gone forward and especially not have authorized a hard pull on my credit report. I told them I felt that I had been mislead and misrepresented and the response I got from XXXX was additional funds always have to be secured. If that is their policy that is fine if it were disclosed at the beginning. I asked them to play me a recoding that they told me that the loan is to be a secured loan and they don't record their calls. I was transferred to XXXX who then told me that This is just the way it is and they do this everyday. As if failure to inform makes it right. 
I requested they tear up all paperwork and not to contact me again. 
By misrepresenting the loan ( which they deny ) I wasted hours of time and incurreced a pull on my credit that could have been avoided. 

This occurred at XXXX XXXX of Republic Finance. 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This information is incorrect and is in my report and is not mine. 

XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My credit has decreased due to my information getting stolen, cards, social security, bank information. My bank account was closed and im not able to open another bank account. I need to open a bank account so I can pay my bills. I tried opening a bank account with many banks and all deny me. Please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
My loans were forgiven in XXXX of 2022 However, I had filed a borrowers defense case against XXXXXXXX XXXX and I was approved for discharge. 

I should be receiving a refund on those payments made prior to the forgiveness. 

I am now with a degree that I was promised career choices with and that did not happen. I spent two years working so hard on this degree with the intent of transferring positions to find out the degree did not allow that. 

I am now in the discharge group, I have contacted Department of Education in regards to my payments refunded, they told me to contact Mohela. After 4 failed email attempts, I called and was told they don't know anything about the discharge or refunds. 

I made payments and need the money returned for this loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2023 I walked into chase Bank to with draw my money I was asked to present my ID which I did, XXXX then started giving me a hard time by asking me numerous more questions then she finally said I can't give u any money without your chase XXXX card. I then asked to speak with a XXXX XXXX XXXX XXXX which is the XXXX XXXX XXXX XXXX. He just agreed with XXXX and said he's not gon na give me my money without a chase XXXX  card. So this chase Bank is attentionally holding my money with is a violations of my rights This is pursuant to XXXX Please save the video and/or any recording that will show me getting my rights violated by not giving me my money on date XX/XX/2023 Parties involved : XXXX, XXXX and chase Bank Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
The mortgage company platform has used predatory practices to secure me into a mortgage and use methods of credit reporting platforms which were not accurate or updated. The technology was immature and all done virtually which was not verified or authorized. The conventional loan I should have been able to qualify for was denied and I was forced to pay mortgage insurance and a higher mortgage premium instead. The current housing market and economic growth paired with job losses for me have resulted in a total loss of income and apparent opportunity to take a home I have put my life savings into. I have been a victim of a predatory mortgage system in the USA by both the conventional home loan and FHA home loan practices and if forced to give up this home due to job loss and income will continue to cycle of punishment to people like me who are trying to achieve a safe livable environment that I had to jump through incredible hoops to achieve and accomplish. Full loan forgiveness is requested in addition to seeking payment to maintain and improve the property as long as I am living on the property and dwelling.

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