vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: IL

Complaint narrative:
From XX/XX/XXXX  to XX/XX/XXXX  I was a victim of unauthorized transactions with Google Pay, Wallet. I had my phone stolen, and had my device compromised -- -I had a few XXXX dollars of disputes because this person who sent themselves money and or obtained it from my device to theirs... was somehow able to keep the money and I was not informed of the transactions. I want my money back, and I want this to be fixed. The person who did this, who I showed in my documents is currently XXXX  for crimes and so I wish this could be resolved and my money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX and XXXX sent a letter verifying that the US Bankruptcy that was being reported on my credit reports was unverifiable and the bankruptcy was deleted. XXXX and TransUnion has continuously verified the Bankruptcy as " Updated or Remains '' and the bankruptcy does not belong to me. I have provided all three credit reporting agencies with the DELETION LETTER from XXXX and it has not been removed. The lack of investigation has cause me much pain and suffering. XXXX has already successfully deleted Bankruptcy.

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 2023-09-18 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I opened a VS credit card but never ever used it. Balance should be XXXX, but on my credit report, it shows as charged off with a balance of {$450.00}. The account number on the credit report does not match the actual account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
Coinbase locked my account for over 4-5 months for absolutely no reason. I asked, contacted multiple times to unlock, provided all requisite information etc. I needed to cash that money out 4-5mo ago. 

During that time, while they had my account locked FOR NO REASON, each currency dropped in value by at least 50 %. They even discontinued trading in one of the coins which has rendered it worthless and that was in XXXX - again - while they had me locked out with no explanation. 

All these losses were caused by Coinbase 's malfeasance and negligence. I think they are criminals. 

Here is a quick breakdown. 

Coin, Units, Value @ XX/XX/2023 lockout, Value Today XX/XX/2023, Loss Due to Coinbase Blur, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total Loss due to Coinbase illegal lockout XXXX What are my options?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA

Complaint narrative:
I am writing to express my extreme dissatisfaction with the service I have received regarding my XXXX savings account. My account has been locked for two weeks now, and despite multiple calls to customer service, the issue remains unresolved. 

XXXX of Events : XX/XX/XXXX : I called customer service and was informed that my account was locked due to identity verification issues. I was told that an affidavit of identity would be mailed to me within 7-10 days. 

XX/XX/XXXX : I called again to follow up and received the same response as before, with no new updates or solutions offered. 

XX/XX/XXXX : Despite waiting for the promised affidavit, I have yet to receive it. Another call to customer service yielded the same response as my previous interactions. 

I have approximately {$15000.00} in my account, and the fact that I am being withheld access to my own money is unacceptable and highly concerning. This situation not only disrupts my financial planning but also erodes my trust in XXXX as a reliable financial institution. 

I demand immediate action to resolve this issue. Please expedite the process of sending the affidavit of identity and unlocking my account. Failure to do so will force me to consider alternative actions, including filing a formal complaint with regulatory bodies and seeking legal advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I called XXXX in reference to my student loan status and late payments. I was never late on any loan. I always had my loans deferred or a forbearance. The loan providers was late in processing the information on their end and in return marked my loans late. I want the information corrected. I called the agent with XXXX and she went over my loans. They said when they got the loans transferred it was never reported late from Department of Federal loans. She told me to dispute it up to three times for the Credit bureaus to contact them and verify. All 3 Credit bureaus have not done the dispute process for correcting my reports. The accounts that need correction are as follows : 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

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 2023-09-18 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: GA

Complaint narrative:
I called XXXX in reference to my student loan status and late payments. I was never late on any loan. I always had my loans deferred or a forbearance. The loan providers was late in processing the information on their end and in return marked my loans late. I want the information corrected. I called the agent with XXXX and she went over my loans. They said when they got the loans transferred it was never reported late from Department of Federal loans. She told me to dispute it up to three times for the Credit bureaus to contact them and verify. All 3 Credit bureaus have not done the dispute process for correcting my reports. The accounts that need correction are as follows : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 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: GA

Complaint narrative:
I called XXXX in reference to my student loan status and late payments. I was never late on any loan. I always had my loans deferred or a forbearance. The loan providers was late in processing the information on their end and in return marked my loans late. I want the information corrected. I called the agent with XXXX and she went over my loans. They said when they got the loans transferred it was never reported late from Department of Federal loans. She told me to dispute it up to three times for the Credit bureaus to contact them and verify. All 3 Credit bureaus have not done the dispute process for correcting my reports. The accounts that need correction are as follows : XXXXXXXX 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

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Equifax, I have received a copy of my consumer credit profile report. I am writing in regards to dispute the misleading information that's appearing on my Equifax consumer credit profile report.The following inquiries are unauthorized, and I ask that they be removed immediately. 


Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX IA XXXX XXXX XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be removed immediately from my consumer credit profile report. Please remove any information that the creditor can not verify. I understand that under FCRA 611 ( 15 U.S.C. 1681I and 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MI

Complaint narrative:
Copied : MOHELA, XXXX XXXX, Consolidation, and Administrative Forbearance XXXX XXXX XXXX Sun XX/XX/2023 XXXX PM Hello, In the last few months, I've been trying to get MOHELA to apply the XXXX plan to my account. I initially submitted a request on XXXX and was approved. I then consolidated my loans the next week and submitted the XXXX application alongside it. MOHELA marked the XXXX application as a duplicate form. I noticed this midway through XXXX and despite calling them was not able to get them to re-review the application. With interest resuming the next week, I was now on the level payment plan when I should have been paying {$0.00} with covered interest on the XXXX plan per forms I submitted to MOHELA months prior. At this point, I wasn't worried as the dept of education assured us that any applications for XXXX  submitted by the end of XXXX would be in effect by repayment. Unfortunately, this does not appear to be the case. 

Today I was informed by MOHELA that my account was placed on " Administrative Forbearance ''. This, to me, indicates that they are incapable of meeting this deadline. MOHELA 's failure is going to cost me both money in the accrued interest that would have been covered and months towards XXXX XXXX. I don't understand how it is acceptable for the servicers to not fulfill their end of the bargain. 

I have found others on social media that have had similar experiences with forbearance and IDR applications. It appears that it is less of a mistake and more of a policy to not process these forms. 

I would appreciate action to either enforce MOHELA 's contract or, barring that, for these months to count as if they were normal XXXX  months for interest and forgiveness tracking. I can be reached at this email or at ( XXXX ) XXXX. 

Best, XXXX XXXX : XXXX : Documents Received page XXXX : Approved XXXX  application dated XX/XX/2023 XXXX : Repayment Schedule and Disclosure dated XX/XX/2023 XXXX : Administrative Forbearance dated XX/XX/2023 ( received XX/XX/2023 ) XXXX : Application for XXXX dated XX/XX/2023

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
In XXXX and XXXX of XXXX, mail was stolen from XXXX XXXX XXXX in XXXX, MA. Since the pandemic, it has become common for church members to mail offering to the church in the form of personal checks. 

Numerous checks were stolen including a check for {$1500.00} from me. We later discovered that XXXX XXXX allowed them to be deposited in an ATM without checking the ID of the person cashing them, without requiring an endorsement, and without ever verifying that the person cashing the checks was the person the checks were written to. 

The thefts were discovered and reported to police in XX/XX/XXXX. It is my understanding that the police have identified the suspects in the theft and a warrant has been issued for their arrest. 

I filed a claim with my bank, Citizens Bank, at that time. I have basically called them every couple of months since this time, and they are telling me that they have filed a claim with XXXX XXXX to return the funds to my account but that XXXX XXXX refuses to respond to them. 

Here are my two issues. 

XXXX. XXXX XXXX  ( and other banks, as well ) engaged in an appalling lack of internal controls with respect to deposits of personal check into their ATM system. If you go in person to deposit a check the teller confirms the names the check to the name of the person or account receiving the money. The fact that this doesn't happen for ATM deposits is irresponsibility bordering on the criminal. Quite honestly, the hassle that myself and the church have had to go through because XXXX XXXX refuses to do its basic job deserves a gigantic fine and a restitution paid to XXXX XXXX XXXX for its time and effort correcting XXXX XXXX 's massive security failure. 

XXXX. Once the fraud was discovered, that money should have been returned immediately to the people who XXXX XXXX  allowed to have money stolen from them. This shouldn't be multiple phone call and ultimately a complaint to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX, I received a letter from Phoenix Financial Services stating that I owe {$820.00}. That same day, I sent out a request to provide proof of debt owned, with my signature and details. 

On XX/XX/XXXX, I received another letter, without any information I requested. 

On XX/XX/XXXX, I received yet another letter from XXXX XXXX XXXX with some cryptic CRT Code/Modifier and the date of XX/XX/XXXX. Once again, no explanation and no proof of debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
To XXXX XXXX and Debt collector Pollack & Rosen , P.A . From XXXX XXXX I write to advise you that I will be filing a lawsuit in XXXX for your intentional and willful violations of the FCRA and FDCPA which includes your recent attached debt collector written communication dated XXXX XXXX XXXX reference # XXXX, This purported required debt validation notice is not only untimely and late but it was NOT mailed on XXXX XXXX XXXX as represented but rather over more than a month later on about XX/XX/ ( 41 days later ) and processed by the USPS on XXXX XXXXXX/XX/ for delivery SOON and received on XX/XX/2023, delivered to my mailbox in XXXX as documented from USPSs email to me. XXXX XXXX needs to get its ducks in a row which required required notices. Mailing Notices that were required to be done in XXXX XXXX XXXX months late for the initial communication, then deceptively claimed mailed on XXXX but actually deposited for mailing 41 days later will cost you {$25000.00} for statutory and punitive damages plus a Complaint to the XXXX XXXX XXXX XXXX  proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried on several occasions to get a copy of my credit file. I have not been successful in getting any response from the company but they are reporting incorrect information.

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 2023-09-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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  has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( 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 crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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