vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-28 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: FL

Complaint narrative:
I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-07-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I paid off a Coinbase loan in the amount of {$4900.00} on XX/XX/2022 Coinbase debited my account for XXXX that amount in XXXX different transactions of {$4900.00} for a total of {$24000.00} I disputed XXXX of these transactions with my bank on XX/XX/2022 in the amount of {$19000.00} Coinbase is now saying that I owe them {$19000.00} and will confiscate my funds if not paid within 5 days. 
This is a very serious issue as I am XXXX, have recently had XXXX XXXX and am in desperate need of those funds. This might not sound real, however, I can assure you that I really need some help. 
My escalated ticket # with coinbase is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I have had a Carnival Mastercard ... XXXX with Barclays for a number of years. I pay my bill automatically on the due date in full. For the last couple of months I have seen Purchase Interest Charges and Minimum Charges Fee assessed to my account for no reason. I have filed a Complaint with the company and they are refunding those but it keeps happening. I don't normally watch my card so I am concerned that the Company keeps assessing these charges and I have paid some inadvertently in the past that have not been refunded. This appears to be a pattern and not a one time mistake. I also have a charge of {$1.00} from Carnival Cruise which makes no sense as I have made the required payment. Please look into Barclay 's practices as this seems to be an ongoing issue and it most likely affects thousands of consumers that have no idea of what is going on. Thank you.

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 2022-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bliksum, LLC
State: IN

Complaint narrative:
The company does not apply payments in a timely manner and its website does not have an accurate accounting of payments made or what the payoff balance is for a customer to pay off the loan. I believe this is in bad faith in order to keep customers in the dark about their pay-off options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
A fake XXXX Support ( XXXX XXXX XXXX ) pretended as if they were helping me fixing my laptop issue and tricked me and took {$1400.00} using my phone screen share function. They registered their own number XXXX under 'my name ( XXXX XXXX XXXX ' and withdrew the money of {$1400.00} yesterday ( XX/XX/2022 ) using my Bank of America XXXX account.

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 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I consumer ( XXXX XXXX ) reached out to all credit bureaus requesting that this Bankruptcy to be removed from my credit report which is in violation like the mentioned below 15 USC 1681 ( A ) ( $ ) Infringed upon a consumer right 's to privacy 15 USC 1681 ( b ) ( A ) ( 2 ) No permissible purpose/ No written instruction I have included documentation to prove that this was not and should not be on my credit report. All information on a consumer is to be verifiable and accurate. I have tried to resolve this matter but no update to 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 2022-07-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I received a copy of my credit report and I noticed hard inquiries that I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received a copy of my credit report and I noticed hard inquiries that I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28 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: NC

Complaint narrative:
IN accordance with the fair credit Reporting act, Account XXXX XXXX XXXX XXXX XXXX and Account XXXX XXXX XXXX XXXX XXXX, have violated my rights. 

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

15 U.S.C Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions ( I DID NOT GIVE THEM WRITTEN PERMISSION ) 15U.S.C 1681 ( a ) ( 5 ) Section States : NO CONSUMER REPORTING AGENCY may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven year

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 2022-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I requested that a signed document with my handwritten signature be sent to my mailing address to verify my account however the signed document was never sent. The balance reported on credit reports is wrong.

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 2022-07-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I requested that a signed document with my handwritten signature be sent to my mailing address to verify my account however the signed document was never sent. The balance reported on credit reports is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: GA

Complaint narrative:
On XX/XX/2022, I mailed out a letter for inquires to be removed. I was told by Equifax XXXX XXXX XXXX XXXX XXXX that the inquires could not be removed because they were verified as accurate. I advised him that they were not VALIDATED and should be removed. XXXX refuse to do it stating that for him to remove the inquiries he will need a police report or a report from the federal trade commission. I then asked to speak with his XXXX. XXXX XXXX, XXXX XXXX XXXX stated confirmed that he could not remove the inquires without a police report because it is their policy. I asked him to email or mail me that policy and he stated that he can not do that. I then asked to speak with his XXXX. XXXX XXXX, XXXX XXXX XXXX stated that Equifax does not investigate inquires unless it is considered fraud, other than that it is consider accurate unless the creditors remove it. I told XXXX that I will be filing a complaint with the CFPB because I know for a FACT that the information, she is telling me is incorrect. I told her that, all inquiries should be investigated and validated before being considered accurate. She then kept saying that it is Equifax policy to investigate and validate ONLY fraudulent inquiries and she said for them to be removed a police report or a federal trade commission report should be submitted then and ONLY they will be removed. I knew then they were a bunch of LIARS! I told her that if this the police then why were some of the other inquires removed at the time, I made the phone call back in XXXX. She then said once the inquiries have been removed, they can no longer see them so she can not verify that. I said so you can't read the past notes on the account she said no. Then I asked for corporate of Equifax number and XXXX said that she can not give corporates information and that I would have to look it up. 


Equifax NEEDS to provide PROOF of documentation showing the inquires on my account are Validated NOT Verified. That Should include providing proof of contract between me and the original creditor stating that I authorized them permission to run my credit. Without proof of a signed contract by me to the furnishers the following inquiries should be removed ASAP from my credit report! Once again these inquires have no permissible use

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: U.S. BANCORP
State: CA

Complaint narrative:
I was on a payment plan due to me missing a payment because I was out of work for XXXX. I called U.S. Bank and asked to get this late charge removed from my account. Representative refused to do so.

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 2022-07-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
I was contacted by my homeowner 's insurance company about a letter they received from my debt collector/mortgage processer SPS Servicing XXXX 

In the letter, SPS Servicing, a debt collector, stated that they ( SPS Servicing ) have initiated a foreclosure action on our property due to a default under the terms of the security agreement. 

Legal action was initiated on XX/XX/XXXX. 

That means my home has been in foreclosure for 10 years. How is that even possible? 
Because there is a statute of limitations of 6 years for mortgage debt. 

First, there is no record within the Connecticut XXXXXXXX XXXX indicating any foreclosure proceedings whatsoever on our property. Their statement to my insurance company is patently false. 

Second, the collection agency sent us a letter dated XX/XX/XXXX, saying our mortgage was referred for legal action. ( NOT FORECLOSURE ) yet they told our Insurance company we were in foreclosure. They said we have alternatives to Foreclosure. We have communicated tirelessly with this company to no avail. They either disregard our requests for validation and/or refuse to discuss options that are viable to our financial situation. 

Furthermore, we have written to the mortgage/debt collector for validation of the debt and the name of the holder of our actual deed, and they responded with a trust company. We submitted a letter of debt validation to the trust company on XX/XX/XXXX. They did not respond. 

As of XX/XX/XXXX, we were contacted by another debt collection agency for the mortgage. We have since requested a validation of debt with them as well.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
The account with TD BANK was close a long time ago, and this month I received a letter from a debt collector telling me I'm still owes to TD BANK. TD BANK closed my account automatically when i recently open the bank account with them, i haven't any access to that account and also. 

I don't understand what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc.
State: AL

Complaint narrative:
My checking account was closed when I filed a dispute after my card was stolen and {$2800.00} came up missing. I had to fight to get MoneyLion to investigate and reimburse the {$2800.00} and when they did they close my account and issued a check XX/XX/XXXX that stated it was valid for 180 days. When I went to go and deposit that check into a financial institution they informed me the check was no good and that money lien said that they would not be issuing the funds so basically they wrote me a bad check and are not giving back my money in a timely manner. How is it that a bank issues a bad check? I need to get my money back to me and they need to add {$40.00} on for a return check fee

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: GA

Complaint narrative:
In XX/XX/2022, I was the victim of identity theft. In each of the XXXX credit reporting agencies there are multiple hard inquiries shown on my account in XX/XX/2022 that were due to identity theft. None of the hard inquiries shown during that month in these credit reporting agencies belong to me. I spoke to each of these agencies but it is not clear how the hard inquiries will be removed. In the case of XXXX I was assured they would be removed within 72 hours. However, in the case of TransUnion they were not willing to assure me they would be removed nor would they send me in writing the procedure I needed to follow to get them removed. I have yet to discuss this issue with 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 2022-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XXXX XXXX I placed a check in the mail. It was stolen from the mailbox, altered to show a different recipient and an amount of {$10000.00}. The check was accepted by the bank, CapitolOne, and debited to my account.

As soon as I became aware that she check had not been received by the intended recipient, I contacted the bank. and was told that the matter would be investigated ( case # XXXX ). In repeated follow-ups in person and by phone, I was given no further information. 
Finally, on XX/XX/2022 I received an email asking me to complete an Affidavit of Altered Check, containing only information the bank had from the beginning. The email stated : " Once the documents have been received and are acceptable, a provisional credit may be issued while the investigation is ongoing '', I submitted the notarised affidavit the following day. I have heard nothing further and suspect that CapitolOne is dragging this out hoping I will go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Hello, A message was passed to me regarding a phone call to phone number XXXX. They called on XX/XX/2022. 

From phone number XXXX EXT XXXX Female debt collector who would not leave her name, left a message on a voicemail with a 3rd party and then spoke to unauthorized and unverified XXXX party, verbally threatened " if XXXX does not call me back by XXXX tonight, I'm turning this over to my lawyer. This is regarding her XXXX Credit Card account ''. 

When 3rd party asked her name, she said " M '' sound but could not understand what her name was, as though she purposely muffled the phone. 3rd party asked again, debt collector gave the same " M '' sound then muffled the phone. 

Please investigate this debt collector as I feel she is using unfair and bully tactics that violate the CFPB and FTC. 

I can be reached at XXXX, my name is XXXX XXXX. Email preferred, XXXX Thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
Considering the way I've been treated, I wish no further communication with American Express, XXXX XXXX XXXX, or the State of Utah. 

It looks like the Consumer Financial Protection Bureau was " ethical '' enough to identify me for you themselves. 

Close the American Express savings account ending in XXXX immediately or I'll refer this to the SEC or any other regulatory body handling banking -- alternately I may file suit. ( cost to taxpayers, my time, etc )

Company response to consumer: Closed with monetary relief