vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2022-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Ask for a Debt Validation respectfully request that the office provides me with competent evidence that I had legal obligation to pay regarding the following account numbers XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SCA Collections, Inc.
State: VA

Complaint narrative:
To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. 
This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports.

I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and XXXXXXXX XXXX XXXX for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of Virginia medical privacy rules .

I also hereby reserve my right to take private civil action against you to recover damages. 

Sincerely, 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 2022-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
I have been told by a man I met on social media for 6 months that he can teach me how to invest into cryptocurrency. So I opened an account on Coinbase on the XXXX XX/XX/XXXX under his guidance, and directly deposit {$1000.00} and wire transferred {$5000.00} US dollars through my bank account into Coinbase, then immediately purchased XXXX  and transferred all of them out right away to an cryptocurrency website account that the man told me about for investment. And later on with the same tricks, he soon induced me to wire transferred another {$25000.00} US dollars to Coinbase and purchased XXXX, and again, I immediately transferred all of them out on XXXX XX/XX/XXXX. With the same way for a third time, I transferred another {$16000.00} US dollars of XXXX to the defraud account through Coinbase on the XXXX XX/XX/XXXX. I have made XXXX wire transfer and XXXX direct deposit to Coinbase for a total of {$47000.00} US dollars! And immediately purchased and transferred all of my XXXX  through Coinbase to the scammer 's website account. After a couple weeks, I decided to withdraw all my money out including the profit I earned from trading cryptocurrency which was nearly {$98000.00} in total, under the man 's guidance. But the fraud website customer services told me that I have to pre-paid over {$21000.00} tax in order to withdraw my money out. I then realized that I got scammed. I reported this to the police immediately on XXXX XXXX and called Coinbase customer service for help and they told me that cryptocurrency transactions are irreversible. But I know Coinbase, as one of the biggest cryptocurrency trading platform, has the responsibility to alert and monitoring large transactions in a new account over a very short period of time. I have never traded cryptocurrency in my life before and all of this had happened within the last half months. And with my newly opened account, I have never received any alert or warning about my transactions to the fraud account. True, I am too stupid to believe a stranger that could teach me how to make money. But I am also a XXXX XXXX XXXX XXXX XXXX XXXX and a single mom. I need that money in order to survive! That was all my savings from the past 8 years, and I also had to borrow some from my friends. I am desperately hoping that Coinbase could help and refund my money back. But after several time of calling and file complaints, they refused to do anything and closed my case. They also block my account from trading cryptocurrency after I told them what happened to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
It is unbelievable how BAD Experian is. I complained, # XXXX, wanting the permissible permission used to access my credit report on XX/XX/2017 by Experian and XXXX XXXX XXXX XXXX XXXX Experian replied back that I was complaining about an inquiry. Perhaps Experian is guilty of child labor violation. Perhaps Experian conveniently doesn't know how nor want to read. I did not complain about an inquiry but I complained Experian and XXXX XXXX XXXX XXXX didn't have permissible permission to access my credit report on XX/XX/2017. I requested a copy of the permissible permission. Normally over 5 years Experian tells me how much they appreciate me and the passes the buck to XXXX XXXX XXXX XXXX who then calls all my complaints as duplicate while never furnishing the permissible permission. Experian must be owned by XXXX or a 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 2022-03-04 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: MI

Complaint narrative:
I was taken advantaged of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me finical injury, along with defamation of character I am unable to obtain my dream job due to these actions, I am completely unable to receive any lines of credit, these actions has also cost me any hope of receiving any SBA loans to help me through this crisis

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I was taken advantaged of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me finical injury, along with defamation of character I am unable to obtain my dream job due to these actions, I am completely unable to receive any lines of credit, these actions has also cost me any hope of receiving any XXXX loans to help me through this crisis

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 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On multiple occasions I have attempted to lift my security freeze with Experian. 

Most recently, XX/XX/22, and repeatedly since then. When I provide them my SSN and date of birth, they say it doesn't match their records. Neither has changed. The other 2 bureaus do not have this problem. 

I have attempted by every means of communication to contact them. Experian does not answer their phones. Experian does not have online assistance. 

I can't communicate with them because they do not recognize my information. 

But, I can't lift my freeze because they don't recognize my information. Information which has not changed in over half a century. 

Experian does not respond to my multiple efforts to communicate.

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 2022-03-04 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Transactions without my approval

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: OH

Complaint narrative:
Transactions without my approval

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 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hired XXXX protection in XXXX to assist me with my credit in XX/XX/2022 because old debt was resold to creditors after already being paid off. 4 letters have gone out to the credit bureaus to rectify the situation. Transunion has not complied with the request and my credit score is still being effected with previous paid off debts. I have disputed the debt with TranUnion to take off the debt of XXXX Bank in the amout of {$1800.00}, XXXX XXXX And XXXX for XXXX XXXX XXXX in the amount of {$2400.00}, and XXXX XXXX Bank in the amount of {$2700.00} 4 times now.

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 2022-03-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC
State: SD

Complaint narrative:
On XX/XX/XXXX I received a {$600.00} deposit in my checking account that I didn't sign any loan agreements for. I emailed the company and told them I will return the {$600.00} by check but I don't want any withdrawals made from my checking account because I am afraid they will just keep taking payments even if I return the money. I will wait until after the date they were going to take a payment because I am afraid I will lose the payment plus the {$600.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: LA

Complaint narrative:
I had damage from Hurricane Ida. Rocket Mortgage has been horrible to deal with. My claim check was for {$64000.00}. Since the claim amount was over {$50000.00}, the check had to be made payable to both me and my mortgage, Rocket Mortgage. This whole process has been one ordeal after another. They kept my initial draw of {$50000.00} for almost a month refusing to direct deposit the funds into my checking account. I would call every week and was told a different excuse each time... ..they were short handed due to COVID and each time I called, the time frame for us to receive the check kept getting longer and longer ; my funds were sitting in my escrow account because a case worker had not been assigned. We are 75 % complete on the repairs and had to send photos via an online app. My balance they withheld from me is {$14000.00}. I have invoices for {$5000.00} for flooring and {$9000.00} for fencing. I tried to explain to the rep at Rocket Mortgage that I need the total of the balance to pay the contractors in order for them to start the work. They are only sending me a check for {$7400.00} and advised once the repairs are done 100 % they will send the balance withheld. I tried explaining to them that in order for me to complete the repairs at 100 %, I need the remaining balance. I also requested interest be paid on the balance as they withheld my money for 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: NJ

Complaint narrative:
My Credit Karma money spend account waa locked but somehow my whole tax return was able to be deposited into my account. I then submitted the necessary documents to get my account unlocked and nothing!!!! 
Im not able to withdraw my money and my account is still considered frozen. I can not speak to the specialized team/fraud department that is handling my claim the only information I get is that my claim has been escalated and its process. And someone from the special team will get back to me. I have callled 3 times a day for a week and I have emailed every day. I have no money and my bank account is overdrawn XXXX. I am accruing returned fees and overdraft fees. No one can help or give me a timeframe as to when my account will be unlocked or the issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP
State: TX

Complaint narrative:
I began talking to XXXX, an AAG Rep about a XXXX XXXX in XX/XX/2021. I was consistently mislead by him about whether or not my house would qualify for the XXXX XXXX. XXXX would dismiss my concerns, talk over me or make misleading statements. Do you have big holes in your walls? Was one of his most used questions when minimizing my concerns about the condition of my house. I never should have spent the {$590.00} for the appraisal and more than {$200.00} for the Counseling fee. I read about the requirements on line, attempted to discuss them with him, and my concerns were dismissed. I was consistently confused and worried. He was the expert. I feel I was intentionally mislead throughout the relationship which lasted until XXXX. In addition, XXXX knew I had been declined and did not tell me even though I asked him to email me as soon as he knew something. I received a letter in the mail. I can not understand why he was keeping me hanging on unless it was to get me to spend more money on a new appraisal. Retirees who are looking for financial assistance should have someone honest and trustworthy to help them. This was definitely not my experience with AAG. I could not afford to lose all that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc.
State: WI

Complaint narrative:
I received a bill in the mail from a company called XXXX XXXX showing that I have a {$200.00} balance. I see that there was an inquiry with XXXX on XX/XX/XXXX. The statement refers to a purchase made on XX/XX/XXXX. 

I have no idea who this company, and most certainly did not open a line of credit or purchase anything from them. I do not see a line of credit that was opened, but I have this statement telling me that a payment is due no later than XX/XX/XXXX. 

I've put a freeze on my credit report with XXXX, XXXX, and XXXX, but worry that whatever was done here was already done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2022 Equifax placed a collection account of {$1200.00} by XXXX. XXXX. I reached out to EQUIFAX voicing this was fraud/identity theft. Also, advised this account was placed on my credit report 2 years ago and was deleted and reported as fraud with proof of the info being fraud. I am a victim of Identity theft. I also reached out to the collector and credit bureaus voicing my concern. Now it has been reported again on my credit report. This debt does not belong to me. I DO NOT HAVE ANY KNOWLEDGE OF IT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

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

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 2022-03-04 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: CORELOGIC INC
State: FL

Complaint narrative:
CREDCO ( Finance ) XX/XX/2021 CREDCO/CREDCO ( Miscellaneous ) XX/XX/2021 XX/XX/2021 CREDCO ( Finance ) XX/XX/2021 These are the same company that credit that pulled my credit in different times with the same company. I am a XXXX they used my information without my knowledge. My score XXXX. It went down under the XXXX. It was a hard pull each time the same company.

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