vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it report and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these account were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. 
As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
On Saturday, XX/XX/XXXX, my iPhone was stolen from me while I was in New York City. I quickly learned from my credit card companies that the individual ( XXXX ) gained access to my phone contents, which included my bank/brokerage accounts. To confirm transactions across my asset accounts, I looked into my XXXX XXXX checking account and saw that there were transactions listed from Coinbase. The XXXX XXXX transactions listed showed that my XXXX XXXX account stopped the transactions ( showing a withdraw but also a deposit back into my account ). As any person would, I quickly logged into my second checking account at XXXX XXXX XXXX XXXX ( XXXX ) to find no charges on my account. Regardless, I changed my password for XXXX. Several days later, specifically on Monday XX/XX/XXXX, two days after realizing several of my accounts were compromised, I checked my XXXX account again to find that there were two withdraw charges, first one being {$700.00} and the second being {$4300.00} from Coinbase. I called XXXX and they told me these withdraws were initiated from my external Coinbase account. I called Coinbase and learned that the individuals used my Coinbase account which was linked to my PNCU checking account to purchase XXXX and sell it. In the process, I was told by Coinbase that the money they transferred from my XXXX checking account was sent to another " external account '' that did not belong to me after transacting the crypto currency. I did not authorize any transfer of my funds, withdrawal of my funds, any payments, ACH or ETF transactions from my bank or from my Coinbase account to another bank. Coinbase completed transactions with my funds without my instigation or approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
I purchased two ( XXXX ) Visa Vanilla prepaid credit ( gift ) cards earlier today XX/XX/XXXX with the intent of using them as early XXXX presents for a friend. However, after getting home, I realized that these cards could not be used for online purchases ( this was nowhere in the fine print ). Since my friend does practically all of his shopping + personal finance online, I tried two things. First, I attempted to use the vanilla cards with XXXX to transfer the balance to my own bank account ( i.e. effectively refunding myself, less the activation fee ). This did not work because XXXX blocked the transaction, which also confirmed my friend 's claim that these cards do not work with online purchases. Second, I attempted to just buy a gift for my friend with these cards at XXXX where the purchase was blocked for unspecified reasons. 

I repeatedly tried to call the number provided for assistance but the only options were pre-recorded responses, making it impossible to even try fixing the situation. At the time of filing this complaint I can not even check the balance on the cards, which makes me suspect retaliatory action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
UNDER 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. NOW XXXX XXXX AND DESISTING The ALLEGED DEBT. UNDER FEDERAL LAW 15 USC 1692c.

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 2022-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
This account was originally owed by my ex-wife. It consisted of an electric bill and gas bill from two separate residences in XXXX XXXX, NY and XXXX, NY which were combined by XXXX XXXX XXXX Gas and Electric into one account when my ex didn't pay the bill for which she was responsible. The combined total was reported to collections in XX/XX/XXXX, scheduled for removal from my credit report in XXXX. The debt was aparently sold to another agency, IC Systems, on XX/XX/XXXX, account number XXXX. This created an additional issue, which is huge. IC Systems reset the collection date another 7 years, even though my only interaction with them was an online dispute through XXXX XXXX as an intermediary. This is unfair and a violation of Fair Credit standards. Currently reported to XXXX and XXXX XXXX, I want this debt removed immediately from my 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
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. 
As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I had agreed to a settlement offer on a charge off that was on my credit report and they agreed to show a XXXX balance once it was settled. After payment they only reduced the total the amount i paid even though it is settled in full and nothing else owed according to the agreement. Please help me to get this reporting to a XXXX balance. It was what we agreed on to begin with. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I asked for this to be removed off my credit reports and nothing has been done. It says that I lived at XXXX XXXX XXXX XXXX. XXXX IL and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX IL XXXX XXXX and XXXX XXXX XXXX XXXX XXXX IL XXXX I never have and the City of XXXX is doing this to me I've tried to get to the Mayor XXXX XXXX because of the scandal that the City is doing to me and placing this on my credit report. I've never worked at XXXX, I've never had XXXX nor XXXX nor XXXX XXXX they also had me paying for parking tickets that were not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I asked for this to be removed off my credit reports and nothing has been done. It says that I lived at XXXX XXXX XXXX XXXX. XXXX IL and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX IL XXXX XXXX and XXXX XXXX XXXX XXXX XXXX IL XXXX I never have and the City of XXXX is doing this to me I've tried to get to the Mayor XXXX XXXX because of the scandal that the City is doing to me and placing this on my credit report. I've never worked at XXXX, I've never had XXXX nor XXXX nor XXXX XXXX they also had me paying for parking tickets that were not mine.

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 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have identified information on my reports as a result of identity theft. These items are not related to any transactions completed by me.

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 2022-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My son turned XXXX in XX/XX/2021. He had a XXXX checking account on which I, his father, was responsible individual. It was not an active account but had collected hundreds of dollars of funds that were birthday & holiday gifts over the years from relatives. Upon turning XXXX, his account matriculated into some kind of higher-end Citibank " Priority '' checking account with a ( whopping ) $ 25 monthly service fee. It looks like since his turning XXXX a year ago he has been charged that fee 13 times ( and one was refunded out of courtesy ). When I log in online I can still see the account as I guess I'm still an authorized signer on the account. 

I don't believe Citi has a good process to right-fit customers that become adults in this situation. A {$25.00} fee amounting to hundreds of dollars charged in the last year is unconscionable.

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 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
For the last 4 months i have been disputing a collection on my consumer report XXXX XXXX  they repeatedly say it is under investigation an investigation only take 30 days or they must remove the debt by law. I have sent them multiple letters showing proof that the collector said they removed the debt. They will remove and put the collection back on my report days later. I do not owe them the debt. pursuant to 15 usc 1681i ( a ) ( 5 ) ( B ) any information deleted from a consumer report may not be reinserted back on to the report and in a previous CFPB report case number XXXX they said they deleted the collections i have call and ask them to remove the collection from my report and they refuse to remove the account this makes them civilly liable after i have already show the proof that i do not owe the debt and they said they deleted it. I will not wait 30 more days for a false investigation that i have already showed that the debt was not mines and that they already broke multiple violations remove the account immediately. this derogatory is harming me from using my credit it not suppose to be on my consumer report. It is not accurate or fair to me pursuant to 15 usc 1681 ( b ) this inaccurate information is making think about litigation for the stress they have caused me. This is not an error

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: NC

Complaint narrative:
I am in covid forbearance and company is demanding intimate details of my loss before approving my forbearance. 
They are violating the CARES act by demanding this information and it needs to stop immediately. 

Below is documentation straight from the HUD website : XXXX for Assisting Borrowers If a borrower can still make their mortgage payment, request that they continue to do so. However, if the borrower requests a forbearance, a servicer must give them the forbearance requested. 
No documentation is required to prove the hardship beyond the borrower asserting that they are suffering from a hardship. 
This relief is available to anyone who has a federally-backed mortgage, regardless of delinquency status

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
In XX/XX/2022 I did a one month loan extension on my auto loan through Truist Bank. Since I did this my account has not been corrected. Truist took XXXX monthly payments out of my checking account in XXXX which was not authorized, only XXXX payment had I done myself. They have since reimbursed me for this error. That said, all my debts paid from my checking account that month have been returned as nsf adding late fees to every account plus now my credit is being negatively affected! Now this month they are attempting to try to say I made a late payment and expect me to pay two payments plus a late fee. I have made my normal monthly payment of {$270.00} ( reference XXXX ) I was not at fault for any of this mess and I feel Truist should correct this mistake asap so I am not being affected every month! This is just unacceptable service.

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 2022-10-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity bank, part of XXXX  XXXX, has confirmed and acknowledged they have been unable to produce a customer statement for over two months due to a planned system update taking longer than expected. It has been over 2 months since this has been resolved, which by any means is longer than " temporary ''. Their inability to produce a formal statement in XX/XX/2022, and XX/XX/2022 to present any balances owed, fees, interest, etc. is unacceptable. I have attempted to reach out to the bank multiple times to obtain amounts and copies however, they only provide the below " canned '' response : From : Comenity Bank Sent : Tuesday, XX/XX/2022, XXXX XXXX ( ET ) To : You Subject : Re : Statements Message ID : XXXX I am with Comenity Bank, which handles your credit card account. I'm here to help with your account needs. 
Please accept our apologies for any inconvenience you've experienced. 
Our website had been temporarily down due to a planned system update that had taken longer than expected to restore. You may not be able to review your recently generated statement on our website. 
If you have any questions, please click the reply button. 
Sincerely, XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- I'm not receiving updated statements. The last viewable statement is from XXXX. Where are XXXX and XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
in XXXX they allow me to skip a payment but didnt provide options to lower payments or get on a harship program despite several attempts. Capital One

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc.
State: MD

Complaint narrative:
Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. 
As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report.

As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.

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 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I demand this account removed for my credit report because it was incorrectly published without my hand written consent. As a consumer I am protected by 15-USC-1681 sec A & B And my rights have been violated 1 ). 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 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I demand this account removed for my credit report because it was incorrectly published without my hand written consent. As a consumer I am protected by 15-USC-1681 sec A & B And my rights have been violated 1 ). 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