vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SOFI TECHNOLOGIES, INC.
State: MS

Complaint narrative:
Good morning to begin I contacted my bank about some unauthorized charges from the merchant in question there were nine unauthorized charges in the amount {$48.00} each time the bank then issued a new debit card and put three of those transactions on Investigation and was given a provisional credit I assumed everything was being handled and taken care of I was then notified by the bank very quickly that my provisional credits would be taken away and the money would be taken back out I wasn't given any information or any explanation except that they were taking the money back out I then contacted them again which I've sent over 12 to 13 emails telling them that those were not my charges and they would greatly appreciate if they would handle that and put a merchant block for me because they continued to take money out of my account without my permission after this and me contacting the bank and telling them about everything they then went into a vault of mine took out all of my money that I had and put it towards these provisional credits that they had taken out which left me and put me in a negative balance for weeks caused my other bills to be late cause my rent to be late caused everything to be late I need someone to help me put my money back in my account and the unauthorized charges I can not get the bank to do this I can not get the bank to even respond to me I have called I have emailed I have sent everything that I could possibly do an exhausted every option that I have I need my money back I'm still in a negative balance and my bills are still due and I don't know what to do I don't know how to handle this I can't get the bank to help me I can't get the merchant to help me so this was my last option I need someone to help me get my money back please it might not seem like a lot to people but it's a lot to me it determines whether I eat or not or whether my rent gets paid and it's caused me so much problems and I have tried and tried to to get the bank to put my money back I never have my account set up to where you can cover anything by getting into my Vault or my savings I understand there's an offset that's legal and that's with money that I would owe them but I do not owe them any money they owe me a refund for all of the unauthorized charges to the merchant and the {$90.00} that they illegally took from my savings vault that I was trying to save to get a car because I walk to work everyday and I don't make that much money I am at a {$13.00} an hour job trying to make it in this world and I went out on a limb and trusted this Bank and chose this Bank to help me save my money and collect my direct deposits and all they did was take everything that I have can someone please help me? Please Thank you Very Dissappointed Bank customer...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I made a deposit to Coinbase on XX/XX/24 in the amount of {$2000.00}. They subsequently placed a restriction on my account so I am unable to send crypto, I have spent hours on their chat trying to resolve the issue but can not get an answer as to why the issue hasn't been resolved. They have had it " under review '' for more that a week but have still not resolved the issue. They will allow me to return my deposit to my checking account but will charge me a fee ( XXXX ) of {$36.00}. Coinbase is the only option in XXXX for crypto so coinbase has a monopoly which they seem to abuse. I have no choice but to use coinbase for crypto.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED.

The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

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 2024-06-14 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED.

The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

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 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Midwest Loan Services, Inc.
State: MI

Complaint narrative:
In XXXX of XXXX I filed XXXX XXXX bankruptcy. I reaffirmed on my mortgage that I have through XXXX XXXX XXXX but is serviced by Midwest Loan Services and never missed a payment or was late. On my credit report it shows that I filed bankruptcy on the house and it doesnt show that Ive made any payments since last XXXX. Ive contacted Midwest loan services 3 times for them to correct it but every time they tell me it should be updated next month. Ive contacted them once a month for 3 consecutive months but it still hasnt been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: IL

Complaint narrative:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: IL

Complaint narrative:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
Navient was never served in XXXX XXXX and CFPB is in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: TX

Complaint narrative:
I was under the impression that there would be no hard inquiries into my credit history with requests for credit limit increases and new credit products with the following dates and companies. I would not have sought the credit limit increases or new credit products if I had known or been informed that a hard inquiry would be done on my credit file. I have attempted to obtain resolution and clarification on these matters with both the credit bureaus and companies without a satisfactory resolution. 

I am therefore bringing these complaints to the CFPB to attempt to obtain a satisfactory resolution regarding these items that are now present on my credit report. 

With XXXX Credit Bureau, hard inquires on XX/XX/year> by XXXXXXXX XXXX XXXX, on XX/XX/year> by XXXX XXXX  on XX/XX/year> by XXXX XXXX XXXX, on XX/XX/year> by XXXXXXXX XXXX XXXX With Experian Credit Bureau, hard inquiries on XX/XX/year> by XXXX XXXX XXXX, on XX/XX/year> by XXXXXXXX XXXX, on XX/XX/year> by XXXX XXXX, on XX/XX/year> by XXXX XXXX Fair and satisfactory resolution on this issue would be the removal of the items above from my credit report. 

I thank you for your time and consideration.

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 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-06-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I was not aware of this company trying to collect a debt until I took a look at my credit report and it showed that I have an amount from collections. I called them on the phone requesting emails for verification and they still were not able to send me anything. Finally a manager was able to send me a letter under the previous landlords name. I paid them off due to the high stress and pressure, while hoping its not a scam.

After payment I requested for a letter of satisfaction which is required as proof to clear my debt. Sequium has failed to provide me this and will only send the account statement with it being paid under the previous company name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: IL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2024-06-14 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: IL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2024-06-14 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: Possible Financial Inc
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is a major source of concern for me. I am deeply troubled by its potential adverse impact on my credit. It has already led to the denial of a recent loan application and increased interest rates on my existing credit accounts. I want to emphasize the severe financial strain and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Hi when I joined chase during my branch meeting for my account I alerted them that my first 3 checks deposits would be given in the name of my third party contractor. To which the branch rep stated that this is perfectly fine and asked me would I like to deposit one at this time to which I said yes. My first deposit was successful the issues did not arise until my second deposit which I was alerted drew suspicion over the name being a third party which confused me since my first deposit was successful and I was also told by the branch rep during sign up that this would not be issue. I provided the bank with numbers to contact these contractors to verify the payment was given to me but I was told they could not use their business phone number that it would have to be personal cell phone. This created an issue for me since the bank had coerced me into believing the checks would have no issues then after placing a freeze assigning an arbitrary rule in order to get check verified. even though the number i provided for the contractor checks could be verified by a quick search online or just by calling them! those funds are needed in order to keep my business up and running therefore i have been pursuing every avenue to have them released

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
On the night of XX/XX/year> I reported that I had money stolen from my account. It was literally ten minutes after it happened. I was informed to wait until it settled. I waited then called the next day and filed a dispute on the funds. In less the 24 hours they sent an email stating that they gone through the whole process of an investigation including communication with the merchant. Which is impossible. I do file a lot of disputes, but every one of them should be handled properly. Now I am out of XXXX, because of a bias. Chime doesnt have a formal complaint process or at least they would not tell me over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Called synchrony bank and ask to validate a debt from 2017... they explained I had 2 qvc credit cards ..one is in archive and can't retrieve the other account they sent a letter just stating my account is paid in full. I need a breakdown of charges, this was not provided ... ..qvc states that i owe XXXX on easy pays that to my knowledge was on my qvc card ... I need a validation on these purchases that I used my qvc card .....

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 2024-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Possible Financial Inc
State: TX

Complaint narrative:
I am unaware of this debt I did not have the opportunity to dispute this debt I did not receive proper notification if in fact you believe i received proper notification please send me the certified mail with the receipt with my signature on it stating that I received it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: PA

Complaint narrative:
I am writing to express my concerns about several issues I have experienced with the credit bureau. These issues include inaccurate account listings, multiple unauthorized inquiries, incorrect credit reporting, billing discrepancies, and accounts that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> and XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer 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