vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-06 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: NJ

Complaint narrative:
Reports still showing information which I was a victim of identity thief the are still reporting inquiries and accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-01-06 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: IN

Complaint narrative:
I paid two accounts In full they reached out to equifax telling them to delete it I also have the email stating it was going to be deleted this was in XXXX of last year and its still reflecting on my report hindering my credit I also sent this to equifax disputing this on my credit report which is still on my report and they arent removing it which is a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
Coinbase uses a XXXX method utilizing a, what I now know, is a fairly unsecured method of " texting. '' I was hacked on XX/XX/22 by this due to a sim swap method and over {$1200.00} of crypto was converted and sent to an unknown account without my authorization. An additional {$400.00} was withdrawn from my bank account to cover more transactions. Coinbase has no other system in place to hold or verify suspicious transactions or activity for a problem that has happened to thousands of other customers. I have also been told that there is no way to recover these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Fraud incident XX/XX/XXXX Case number XXXX Claim number XXXX Total amount of fraudulent transactions : {$5700.00} XX/XX/XXXX : I received an e-mail notification that my Wells Fargo debit card had been linked to a XXXX XXXX account, but I did not see the e-mail that day. 
XX/XX/XXXX : Beginning at XXXX p.m., I received three phone calls from Wells Fargo, alerting me of fraudulent activity. I returned their call at XXXX p.m. I was informed of the following charges that were being attempted. All are in XXXX XXXX XXXX ; I live in XXXX, XXXX. I have been scrupulous about maintaining my debit card security, and no one else had my authorization to use it. 

Fraudulent charges : PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  XXXX XXXX CARD XXXX XX/XX/XXXX {$1500.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XX/XX/XXXX {$3200.00} ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ATM ID XXXX CARD XXXX XX/XX/XXXX {$200.00} ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ATM ID XXXX CARD XXXX XX/XX/XXXX {$300.00} ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATM ID XXXX CARD XXXX XX/XX/XXXX {$300.00} ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATM ID XXXX CARD XXXX XX/XX/XXXX {$200.00} Total amount : {$5700.00} Wells Fargo contacts : XXXX XXXX XXXX claim specialist XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX My claim is denied by Wells Fargo . They state that no fraud pattern was detected. I protested immediately, and was transferred to Resolution Team member XXXX. She stated that she would endorse my claim to the Executive office, which should call me in 1-2 days. As of XX/XX/XXXX, I have not received a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-06 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: I.C. System, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX am XXXX XXXX account was open fraudulently. I am not aware of this account and it now has an outstanding balance of {$560.00}. It has effected me with an derogatory mark on my credit report. I reached out to XXXX XXXX and they can not locate the account and is forwarded over to a collection company I C SYSTEM on XX/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 explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
My VA-backed mortgage was current prior to entering a COVID-19 forbearance on XX/XX/XXXX. Freedom Mortgage did not report the account as current for several individual months during the forbearance ( in effect until XX/XX/XXXX ). The status states " current, paying as agreed '' but for individual months, they have not reported any data except for a negative remark : " PDE : Payment deferred '' for XX/XX/XXXX ( XXXX ). XXXX XXXXXXXX XXXX  show no reported information aside from the negative remark, yet XXXX ( still in the forbearance ) was reported as current. 

I also received a letter in the mail dated XX/XX/XXXX stating " we are concerned about your recently missed payment, '' and includes a loss mitigation packet detailing foreclosure. There is not data showing for XX/XX/XXXX yet on my credit report, so I don't how if they've reported a missed payment. This was while I was still in COVID-19 forbearance.

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 2022-01-06 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: VA

Complaint narrative:
I had an account with XXXX XXXX ( medical bill ) this I paid completely off in early XXXX of 2021. XXXX and XXXX have removed this from my credit score sometime during the third week of XXXX but experian hasn't in the past month and I haven't been able to contact a human about this issue in the last few weeks of calling them. There is no real option they give through the automated prompts that are able to help me with my issue. So now since majority of credit card businesses and mortgage companies seem to use experian in my area I am getting denied with them saying I have something in collections that's due when I do not. They are not getting a complete and accurate credit report. It shows I have a collection due when I do not and I would like to have it removed just like with XXXX and 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 2022-01-06 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: GA

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : 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

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 2022-01-06 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: OH

Complaint narrative:
This account is inaccurate DEPT OF ED/XXXX # XXXX. The Last date of Activity, Payment, Account Type - Detail, Account Status, High Credit and Payment History and an FCRA violation. Please remove it 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 2022-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I have been an account holder with Navy Federal Credit Union for almost 10 years. I did fall on hard times and I was unable to satisfy a credit card with Navy Federal which resulted in a charge off. This happened quite sometime ago, I would say XXXX time frame. I received notice from a debt collector stating they had bought my account from XXXX XXXX, and I needed to work with them in regards. Today XX/XX/2022 Navy Federal took {$470.00} from my checking account without notice and when I called to discuss, I was met with accusatory language, and was advised there is nothing they can do, as this debt is owed and they can take it as an offset. So I am almost positive that they are not able to do this for an almost 7 year old credit card account as I should be a protected consumer. I know for a fact I am not the only one they are doing this to, and I will not go delinquent on my personal mortgage or car payment because Navy Federal decided they were taking my funds whenever they wanted. Please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$360.00} XXXX XXXX XXXX : {$0.00}

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 2022-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: FL

Complaint narrative:
calling over 5 times a day, every day for the last month

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NY

Complaint narrative:
Responding to XXXX 's response herein from Complaint ID XXXX : XXXX XXXX 's correspondence letter does XXXX provide a specific reason why my instruction was deemed " Not In Good Order ''. XXXX 's failure to execute my instructions and XXXX 's conduct including miscommunications that XXXX admits to, from representatives belonging to XXXX is unacceptable financial institution behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: OH

Complaint narrative:
Was included in bankruptcy. Debt was bought out my a debt collection company and I disputed through credit bureau with no results. the debt was originally from XXXX to XXXX XXXX. and rereported XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Viking Client Services
State: VA

Complaint narrative:
I received a 2-page letter from XXXX XXXX  XXXX XXXX XXXX XXXX dated XX/XX/2021 regarding a claim about a XXXX XXXX XXXX vehicle that I had rented in XX/XX/2021. I never received a validation of this investigation or claim by XXXXXXXX XXXX XXXX 

It is now my understanding that XXXX XXXX XXXX has refused to validate this claim, but to forward it to another debt collector, Viking Client Services under the same claim number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
Coinbase ( cryptocurrency ) listed a new stable coin, XXXX, in XXXX, 2021. I had approximately {$100000.00} of a different coin, XXXX, and I converted all of it to XXXX. The price should have remained constant, but Coinbase set it up incorrectly, so when people began to purchase, the price value went up. Within hours, my portfolio had increased to {$170000.00}, but Coinbase disabled selling, so I was not able to sell for a profit. Trading remained disabled for several weeks, until the price was fixed at a much lower value. When trading of XXXX finally resumed, my portfolio had dropped to around {$23000.00}, where it remained because XXXX was now operating correctly as a stable coin. I'm only just now reporting this because I have been in constant contact with Coinbase trying to get a refund of my initial investment, through phone calls and email correspondence with Coinbase Support as well as filing a formal complaint with Coinbase on their company site and also filing a complaint with the better business bureau and FTC. In addition to the loss I incurred due to Coinbase not allowing sale of XXXX  while they worked to fix their mistakes, the 3 separate conversions that I made on XX/XX/XXXX from XXXX to XXXX each had hidden fees totaling around {$6000.00} even though the transaction previews showed a {$0.00} Coinbase fee to complete. Please help me recover these losses. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: AL

Complaint narrative:
There is a collection on my credit report from an apartment in Tennessee. I do not live in Tennessee. When I call the collection company they tell me they can't pull anything up with name or social security number. I tried to dispute it with XXXX and they were able to '' verify '' the debt with the company. But no one at the company can give me any information. This is not my debt. I live in Alabama. I am trying to buy a house and desperately need this off of my credit report. No one can even tell me what I need to do. I tried contacting the apartment complex and was told that it is under new ownership. 
I tried to enter the last XXXX  digits of my social in the next step but it wouldn't let me. It is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: OH

Complaint narrative:
This account is inaccurate XXXX XXXX XXXX XXXX # XXXX. The Last date of Activity, Payment Status, Account Type - Detail shows " CREDIT CARD '' on XXXX while the TransUnion and XXXX is " REVOLVING ACCOUNT '' and a FCRA violation. Please remove this inaccurate information 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 2022-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
calls 5 times a day, everyday for the last month

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 2022-01-06 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I have submitted multiple disputes on my account to Credit Acceptance Corp relating to the reporting of the account. The status shows as in repossession -- this vehicle was voluntarily surrendered in 2015 and has been reporting incorrectly for years. The last payment date is incorrect -- they are using the date the vehicle sold at auction and the proceeds were applied when that was not a voluntary payment. The last payment date reported on a credit report is to be the last voluntary payment. The account closed date is incorrect -- it should have been reported as closed on the date of voluntary surrender. The balance is incorrect -- they are continuing to report this account as if it is still open and payments are due. The payment history is incorrect -- it should no longer be showing monthly payments are due/past due as no monthly payments are due on the account -- it should have been charged off long ago. The balance is incorrect -- somehow it increased in the last month! I am going to take legal action if these items are not remediated.

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 2022-01-06 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$360.00} XXXX XXXX XXXX : {$0.00}

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 2022-01-06 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: GA

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. XXXX XXXX XXXX XX/XX/2015 {$550.00}, XXXX XXXX XX/XX/2015 {$2800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation