vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: DE

Complaint narrative:
XXXX XXXX loan care holds your payments and then credits your account after the received date, then they apply fees. I would love to know how my bank XXXX shows a payment pulled on XX/XX/XXXX, yet this payment was held and not credited to my mortgage until XX/XX/XXXX, late fee then assed naturally on the XXXX which seems to be a common monthly assessment for them, guess any bailouts they received they have run through and must find anyone possible to steal their own customers money. I pay every XXXX weeks so that i can get a head on my mortgage and not be continued to be exploited by this servicer with long hold times, XXXX transparency and bad record keeping. I paid the full balance for XXXX on XX/XX/XXXX, according to my bank XXXX, well loan care holds that payment gives me no interest for holding my payment and then credits my mortgage account late, i make another payment and additional payment after my XXXX is satisfied on XX/XX/XXXX, mind you today XX/XX/XXXX i open my mailbox ( which i do daily ) and find a letter dated XX/XX/XXXX from XXXX care stating they had not received my XX/XX/XXXX mortgage payment and now a {$16.00} late fee will be assed. I'd love to know why my XXXX XXXX payments totaling more than the monthly payment have been assed as late. This company holds the payments and doesn't allow XXXX consumers to make payments when and how we want. If you try to pay them every XXXX weeks, they will hold XXXX payment until its late and then once the XXXX is received, they apply it to the mortgage and XXXX a late fee, why i ask? is this because you don't want me to pay the daily interest accrual? or is XXXX loan care trying desperately to take my modest row house that my young child and i are sheltered in? I can not wait until the government lowers interest rates so that i can refinance my loan. This company is morally and ethically bankrupt, and it is unconsciousable. I'm submitting this complaint in the hopes that there is actually consumer protection in this country or are we way past that in these late stages of capitalism, that we will allow these corporations to do literally whatever they want in order to appease them and keep them onshore? It is time to protect XXXX consumers, please look into this company 's tactics and lack of common sense when processing a payment. They force you to use their auto debit in place of your own checks and bill pay, their auto debit doesn't function correctly, it pulls payments prior to the agreed upon date and i have record of that also. If the cfpb needs additional information, please do not hesitate. I am XXXX of many loan care customers who have been exploited, XXXX of many!

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-03-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Credit Karma, LLC
State: TX

Complaint narrative:
XXXX Creditkarma has a XXXX XXXX XXXX XXXX that one will be approved for a credit card should they apply for it through their affiliate service. If one 's application is denied they promised {$50.00} in the form of a gift card. 

I was guaranteed a credit card would be approved but was not approved for a card but never received my {$50.00} gift card. When I inquired as to why I didn't receive my gift card, they just responded with general information as though my inquiry never reached a human being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/ is the first time that I noticed an additional social security number on my Experian credit report. I have sent letters, made several calls, to different phone numbers, 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 explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: CT

Complaint narrative:
I purchased a Vanilla branded Visa gift card on XX/XX/year> for {$400.00}. When I went to use the card the balance had already been depleted. I have created a case with Vanilla disputing the charge and I have provided the documents they requested. They have not responded to me even after multiple prompts from me. 

The case number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I've been a customer of Coinbase for several years and last month Coinbase put my account under review without providing any clarities. I could not buy or sell or access any of the funds in my account during this time. I contacted their customer service via live chat and after waiting hours and running in circles with their live agents, they said my identity and information were already verified and I just have to wait for the review process. But they could not provide a timeline as to how long this would take. It is unacceptable that a financial company can just hold your money XXXX for no apparent reasons. I have thousands of dollars in crypto in this account. What if the review takes months and during that time the market drops and I can not sell, is Coinbase going to be responsible for my loss? And what if I need to access those funds for emergency purposes? It is even legal for a company to do this to its customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to request the removal of an unauthorized hard inquiry from my credit report. These inquiries do not belong to me, and I have no association with the listed creditors.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Submitted a dispute of errors on credit report and company did not properly investigate invalid accounts from creditors that are reporting incorrect information.

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 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I put a SCRA claim in to drop my interest rate down to 6 % XXXX months ago still no one has processed it nor have given me a time limit of how much longer it will take

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-03-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
15 U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt. I have attached my FTC Report to this compliant to prevent further stall tactics form.

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 2024-03-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MS

Complaint narrative:
Toyota Finance took my GAP refund and is refused to pay the refund to me. The balance of the lease was paid in full in XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
******************THIS IS A NEW COMPLAINT*****************TRUIST HAS TAKEN FUNDS AGAIN WITHOUT AUTHORIZATION*************************THIS IS NOT A DUPLICATE**************************TRUIST HAS BEEN NOTIFIED PER MY LAST COMPLAINT REGARDING UNAUTHORIZED FEES BEING DRAFTED FROM MY ACCOUNT. THEY HAVE TAKEN FUNDS OF {$55.00} FOR OVER 4 YEARS FOR PAYROLL SERVICES THAT I DID NOT AUTHORIZE AND TRUIST HAS CONTINUED TO DRAFT FUNDS FOR UNAUTHORIZED FEES. ON XXXX/24, TRUIST DRAFTED {$35.00} FROM MY ACCOUNT FOR " SERVICE CHARGES '' -WHICH AGAIN ARE UNAUTHORIZED FEES. THIS BANK CONTINUES TO TAKE FUNDS OUT OF MY BUSINESS ACCOUNT WITHOUT AUTHORIZATION. ON XXXX/24, TRUIST CREDITED THE {$35.00} BACK. THIS BANK HAS NOT PROVIDED MY REFUND FROM THE UNAUTHORIZED PAYROLL FEES AS THIS HAS BEEN FORWARDED TO THE CFPB, FDIC, XXXX  AND NOW I WILL SEEK LEGAL ACTION AGAINST THE BANK. THIS BANK HAS BAD PRACTICES BY TAKING FUNDS UNAUTHORIZED. THIS BANK IS CONTINUOUSLY TAKING FUNDS OUT OF MY TWO ACCOUNTS EACH MONTH AND AFTER REPORTING THE LAST INCIDENT WXXXX, TRUIST STILL HAS TAKEN FUNDS OUT OF MY ACCOUNT AFTER MY COMPLAINTS TO UPPER MANAGEMENT, CORPORATE OFFICES TO INCLUDE MY ATTORNEY. TRUIST NEEDS TO REFUND ALL MY UNAUTHORIZED DRAFTS IMMEDIATELY.

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 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
I submitted a dispute for 3 transactions from XXXX XXXX charged to my account on XX/XX/24. do not have an account with XXXX XXXX. Only 1 was credited to my account and I keep getting updates that they are still investigating the other 2. It has been XXXX months and no resolution to the claims. Also, I have not even received a new card and there are several transactions a day that are attempted. I have spoken with several associates and no one can tell me when they plan to resolve the claim or why they keep letting the card get attempted yet are very slow to adhere to the claim process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Submitted a dispute of errors on credit report and company did not properly investigate invalid accounts from creditors that are reporting incorrect information.

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 2024-03-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
OneMain Financial contacts me repeatedly during the day and on weekends. They have contacted me daily at least twice a day everyday. This is clearly violating my rights. 

I have asked them to stop contacting me, I have even blocked their numbers and they called for other numbers. The have even started texting me. This is getting to the level of harassment. 

Numbers they have contacted me from XXXX and XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to request the removal of an unauthorized hard inquiry from my credit report. However, I did not authorize this inquiry and have no association with this creditor.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX and Department of Education have not reported accurate information to the Credit Bureaus. 

I received a letter from XXXX on XX/XX/XXXX stating that my Federal Student loan balance was XXXX. 

As of today, XX/XX/XXXX Experian, XXXX and XXXX are all seeing a balance of {$30000.00}. 

This has an effect on my credit score and needs to be reported. I've sent disputes to the agencies and awaiting response.

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 2024-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX  XXXX  Account number : XXXX Account name : XXXX  XXXX  XXXX  Account number : 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 2024-03-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX  XXXX  Account number : XXXX Account name : XXXX  XXXX  XXXX  Account number : 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