vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2022, I sent a certified letter to Transunion, XXXX, and XXXX. In that letter, I pointed out multiple violations and inaccuracies contained on my credit report from creditor XXXX, account number XXXX. The incorrect information being reported is coming from the same creditor, so why do we have such incongruent information across all three credit bureaus. Everything is all over the place, we have different date last active, we have a different date last paid, we have different credit limits, we have a totally incongruent payment history. My dispute dated XX/XX/2022 came back as verified from the credit bureaus but the violations has not been updated. 

The FCRA states that information being reported must be 100 % accurate and credit bureaus are prohibited from reporting information relating to a consumer that is known to be inaccurate, or that the reporting agency has a reasonable cause to believe 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 non-monetary relief
Consumer complaint received 2022-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
At the beginning of 2017, I filed a complaint with cfpb regarding misinformation from a XXXX agent which resulted in a substantial increase in interest accruing on my student loan balance. I have attached a copy of the initial complaint for reference and the details surrounding my case. I have not received any response from XXXX other than the suggestion to follow up by phone, and unfortunately I am still in a state of " limbo '' as XXXX no longer holds my loan and the cfpb status link from the original e-mail does not work. It's a shame that servicers like XXXX can misinform young adults that are just graduating and consequently those servicers profit by misleading students due to more interest accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: ID

Complaint narrative:
XX/XX/XXXX Mountain America Credit Union notified me that the person I co-signed was in default on the signature loan. I told them I no longer had any type of communication with that person. They let me know options and I asked them to report that to him instead of me. I asked to pay it off but if I could apply for it on my own so he would not get the credit they said they could not do that so I did not do anything. 

XX/XX/XXXX my husband and I went to buy a truck but noticed the XXXX collection was the only negative so I asked to do a settlement for {$400.00} when the total owed was {$440.00}. I never received notice they got my offer through email and no one followed up. I had to call each day for two weeks to see where it was and what was happening. Finally a lady called and threatened me and was telling me if I did not pay in full they would charge off immediately ( still wasn't 180 days late ) and they were pulling my credit ( without authorization ) and could see I was delinquent on things. I explained this was the only account I've been delinquent on in almost 10 years, I was only a co-signer and my auto and credit card through them has never been late. I spoke to her manager and he said they could not accept the offer as they'd be losing too much money, I asked {$44.00} was a lot of money? He then went on to say to just pay on it normally. I told him I've never seen the bill since they took it off my account because I was just a co-signer, never received any type of bill from them so how would I know how to pay it. 

I still have not received the bill that he said he would send on XX/XX/XXXX but called in and made a payment by phone after being transferred to various people who had no clue what was happening and come to find out XX/XX/XXXX that they froze all my accounts because of this {$380.00} collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business XXXX XXXX a career coaching service we help individuals search possible career options and search out job openings that match their career interests and they may work in schools, colleges, government agencies or in private practices and other individuals who need help with professional development. since XXXX XXXX, 2022. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: TN

Complaint narrative:
Two months ago I received an alert saying I had accounts behind. So I disputed the accounts and called the company showing up on my credit report. They stated to me twice that I do not owe them money. 

Ive disputed these 4 accounts twice and been told by the company who they say I owe twice that they have no record of my name, social or address or birthday. 

Makes no sense why this is showing up on my credit report two months later. 

I have no documentation of the accounts nor have I received any phone calls or mail from XXXX  company other than myself calling them to ask if I owe and they tell me I do not owe them a dime. Even asked for paper documentation but was denied it by XXXX  due to them Having no record of myself.

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 2022-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Some applied for a line of credit in my name with Citibank that I did not authorize. 
I was advised that the inquiry would be removed from my report in 30-60 days. 
The initial call was XX/XX/ 2022, and it has not 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 2022-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My husband, who is on my account, had requested a refund of 5 digit refund back in XX/XX/2022 from CapitalOne. Two weeks later we called to find out what happened to the refund and they stated that they refused the request because I did not make it myself. So, I authorized the request for a refund myself. Now almost three weeks later I still have not received a refund. What are my options? Now they are telling me that it will take another two to three weeks to get my money. I want and need it now. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-24 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: Affirm Holdings, Inc
State: TN

Complaint narrative:
Two months ago I received an alert saying I had accounts behind. So I disputed the accounts and called the company showing up on my credit report. They stated to me twice that I do not owe them money. 

Ive disputed these 4 accounts twice and been told by the company who they say I owe twice that they have no record of my name, social or address or birthday. 

Makes no sense why this is showing up on my credit report two months later. 

I have no documentation of the accounts nor have I received any phone calls or mail from XXXX XXXX other than myself calling them to ask if I owe and they tell me I do not owe them a dime. Even asked for paper documentation but was denied it by affirm  due to them Having no record of myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Collections ARS ACCOUNT RESOLUTI Opened 2019XXXX {$280.00} ARS ACCOUNT RESOLUTI Opened 2019XXXX {$530.00} I received a letter from ARS and correspondence by email that all of my debt from ARS would be removed from all 3 credit bureaus, these two accounts are still showing up with XXXX and XXXX... I have called these companies and they said that ARS has to be the one to give permission to delete these accounts..I am asking that ARS get in touch with these 2 companies and have the debt removed..this issue has been going on for months. Above shows the 2 accounts that are still showing on my credit reports.

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 2022-05-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX XXXX, 2022, I sent a certified letter to XXXX, XXXX, and Equifax. In that letter, I pointed out multiple violations and inaccuracies contained on my credit report from creditor XXXX, account number XXXX. The incorrect information being reported is coming from the same creditor, so why do we have such incongruent information across all three credit bureaus. Everything is all over the place, we have different date last active, we have a different date last paid, we have different credit limits, we have a totally incongruent payment history. My dispute dated XXXX XXXX, 2022 came back as verified from the credit bureaus but the violations has not been updated. 

The FCRA states that information being reported must be 100 % accurate and credit bureaus are prohibited from reporting information relating to a consumer that is known to be inaccurate, or that the reporting agency has a reasonable cause to believe is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: IL

Complaint narrative:
On XX/XX/2022, I sent a certified letter to XXXX, Experian, and XXXX. In that letter, I pointed out multiple violations and inaccuracies contained on my credit report from creditor XXXX, account number XXXX. The incorrect information being reported is coming from the same creditor, so why do we have such incongruent information across all three credit bureaus. Everything is all over the place, we have different date last active, we have a different date last paid, we have different credit limits, we have a totally incongruent payment history. My dispute dated XXXX XXXX, 2022 came back as verified from the credit bureaus but the violations has not been updated. 

The FCRA states that information being reported must be 100 % accurate and credit bureaus are prohibited from reporting information relating to a consumer that is known to be inaccurate, or that the reporting agency has a reasonable cause to believe 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 2022-05-24 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: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Reached out to the company not once but twice with no resolution. Was informed they would get back to be with a set time frame and never did. Someone is using my information to acquire a loan fraudulently and they dont seem to be taking this seriously.

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 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX2022, car was paid off to XXXX. XXXX XXXX has reported to only one credit agency that the payment was settled as agreed and has reported, kept the report, as a charge off on 2 other credit agency lists. XX/XX/XXXX update to my report : it says, paid in settlement XXXX written off. The correct thing is to have it show, paid. XXXX balance. That is what an employee of the creditor told me it would say. I have his name and phone number if it heIps. have disputed and sent emails and called XXXX to request my credit be corrected and updated and if unable then want it removed. nothing has happened and I have been denied a mortgage because of the charge off status. i have the letter from XXXX XXXX and XXXX stating account is closed and paid. what more proof is needed for the agencies and companies to correct their error?

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 2022-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion stated XXXX XXXX XXXX XXXX XXXX, XXXX XXXX xxxxxxxx XXXX, XXXX XXXX XXXX XXXX Credit Card account # XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last activity is inaccurate, and the date last reported is not accurate, high balance inaccurate, last verified inaccurate, closed date inaccurate. This is grounds for removal. THE FCRA LAW STATE EVERYTHING HAS TO BE 100 % ACCURATE OR THE ACCOUNT HAS TO BE REMOVED. TRANSUNION HAS NOT CONDUCTED A PROPER INVESTIGATION BECAUSE THERE ARE INACCURATE ACCOUNTS ON MY CREDIT REPORT. TransUnion ( PERSON ) has violated MY CONSUMER RIGHTS UNDER 15 U.S. Code 1681b ( a ) ( 2 ). I the consumer never gave my written permission to TransUnion the person to furnish anything on my consumer report. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. TRANSUNION HAS ALSO NOT FURNISHED THE ACCOUNTS ACCURATELY ACCORDING TO METRO 2 COMPLIANCE STANDARDS. SEE ATTACHED LETTER.

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 2022-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge nor did I apply for these credit accounts. I ask that the items be deleted to correct my credit report. 
I have reported the theft of my identity to the Federal Trade Commission, I have also informed all credit reporting agencies, will be requesting a fraud alert, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-05-24 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: SC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge nor did I apply for these credit accounts. I ask that the items be deleted to correct my credit report. 
I have reported the theft of my identity to the Federal Trade Commission, I have also informed all credit reporting agencies, will be requesting a fraud alert, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Hello, I sold and closed on my house on XXXX XXXX,2022 and have been trying for nearly 8  weeks to get a refund of my escrow that was held by Wells Fargo XXXX 
First I was told it takes 20 days before a check would be issued. 
Then I was told it was delayed 2 more weeks because of their mailing cycle. 
Then I find out they " sent the check to the home I just sold '' and it would be another 2 weeks. 
Then told they would cancel the check and direct deposit to my non Wells Fargo account and still nothing ( XX/XX/XXXX22 ) Then today a week later no deposit, called to get status and told they don't wire funds to non wells fargo account and another check was issued on XX/XX/XXXX. 

1 ... I can't get a manager to find out what happened to my personal banking information 2. I still do not have my money and at almost 8 weeks post close I am entitled to interest. 
3. I have no confidence that I will see this check. 
4. I offered to pick it up from a Wells Fargo office. 

I am doing all the work and getting zero results. 

I am frustrated and angry and want my money now. 

Thank you for your consideration, 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 monetary relief
Consumer complaint received 2022-05-24 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: Army and Air Force Exchange Service
State: GA

Complaint narrative:
On XX/XX/XXXX, My account with MILITARY STAR was transferred to their collections department ( XXXX  ). 
On XX/XX/XXXX, I paid the collections in full through XXXX. 

Upon comparing my XXXX consumer report, MILITARY STAR is currently reporting as closed however the current payment history is reporting active collections. How is this possible when the account was paid in full through collections ( XXXX  ) and closed? 
How can a closed and paid off account still actively reporting? 
This a violation of my consumer rights pursuant to 15 USC 1681 Upon comparing my XXXX report, MILITARY STAR is currently reporting as closed however currently reporting on time payments. How is this possible when the account was paid in full through collections ( XXXX XXXX  and closed? 
How can a closed and paid off account still actively report? 
This a violation of my consumer rights pursuant to 15 USC 1681 Upon comparing my XXXX XXXX report, MILITARY STAR is accurately reporting as closed/paid and no payment history. This further proves the inaccurate reporting to XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: DE

Complaint narrative:
Coinbase has locked my account which is stopping me from making any transactions. According to them, I registered in XXXX and am a XXXX, which is wrong. I am an American. When I upload documents ( ID, utility bills ) to verify that I am in fact who I say I am, the verification does not work. The only explanation I have ever gotten is that I am not being verified because my documents are not XXXX, which is maddening because my verification was to prove that I am American. 

This has caused me to lose hundreds of dollars because I have been unable to sell assets before the assets depreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a promotional APR of XXXX percent for transfers. However, I also used the card for a purchase to get points reward. the amount of the purchase was {$1100.00}. I paid {$1000.00} payment so as to not incur interest. I was told when I called them that Anything paid over the minimum would be applied to higher interest rate portion of the balance which is why I used it. I could have paid cash but wanted the rewards. 

When I paid the {$1000.00} they only applied it to {$300.00} of the {$1000.00} and now they are charging the interest. misleading practice. I spoke to the rep on the phone and they confirmed that is the case. they are supposed to apply the payment to the higher interest balance.

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