vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On Saturday morning I woke up to two emails from Bank of America online banking from XX/XX/XXXX at XXXX pm. The first email was titled 'Verify your email address ' and the second sent at XXXXXXXX XXXX was titled 'Welcome to Online and Mobile Banking. I forwarded both emails to XXXX and did not hear anything. 

On Tuesday XX/XX/XXXX @ XXXXXXXX XXXX I received another email from Bank of America titled 'Your email address was updated '. This time I forwarded the email and also called Bank of America. I spoke with a person in the fraud department who confirmed the account was opened with all my information and she was able to tell me the strange email address the account was changed to ( strange because it was a random combination of letters and numbers, not a word or a name like a someone would use ). She told me no money had been placed into the account or removed from the account and that she was closing the account. She also told me she would send me information regarding fraud detection and protecting myself in the future. 

I have not received anything. I am not even 100 % sure this fraud issue has been resolved. I'm worried for my credit and future as all my information seems to have been breeched. 

In addition, I already had a fraud alert placed on my credit accounts from XX/XX/XXXX when someone attempted to file an unemployment claim in my name. My employeer HR department informed me of the unemployment claim they received.

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 2022-03-25 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: CA

Complaint narrative:
On XX/XX/2022, Equifax received two correspondences via certified mail ( USPS ), which contained a letter disputing unauthorized inquiries, copies of my driver 's license, veteran 's administration identification card, gas & electric statement, and social security card for validation. The letter brought to Equifax 's attention that they were reporting inaccurate information. I requested an investigation into how/why this happened and correct or delete the faulty items. 
Receipt # - XXXX - XXXX XX/XX/2022, I called Equifax 's Fraud Department. I was told my correspondences were received and attached to my account. I was then informed of Equifax 's company policy of not making corrections without an FTC letter accompanying the complaint. I was instructed to draft and fax a copy of an FTC to the number provided. I did as instructed a few days later. 

XX/XX/2022, I called Equifax Fraud Department to confirm the receipt of the FTC and the correction/deletion of the incorrect items. I was told that the items had been deleted as of XX/XX/XXXX. I thanked the representative and ended the call. 

XX/XX/2022, I called Equifax 's Fraud Department ( on a lawfully recorded line ) after checking my online Equifax report. I was furious and highly disheartened to discover none of the items had been corrected or deleted. The Representative told me that it was my responsibility to contact the furnishers of the inquiries and have them contact Equifax for them to take action. I held my ground and insisted that these inquiries be removed. I was placed on hold for XXXX to XXXX minutes. When the Representative returned to the line, he said it could take up to 30 days from now to complete the investigation. I said that was unacceptable ; this needed to be handled immediately. After a back-and-forth, he agreed to have the items removed XXXX hours. 

XX/XX/2022, I called Equifax 's Fraud Department ( on a lawfully recorded line ). Again, I explained my call and was told that Equifax 's policy prevented him from taking action despite what the laws dictated. He insisted that he could lose his job if he acted outside of Equifax 's policies. I informed him of my intent to file a CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In XXXX my account with TD bank became frozen. I contacted the customer service department and they told me my account was closed after I made a deposit totaling over {$1800.00}. I was in the process of getting married and did not have the time to directly deal with it. After returning from my honeymoon in XXXX I contacted customer service and they informed me that my account was closed but to receive the balance I had to go into a branch and they will cut me a check. I went into a branch in XXXX and requested the balance. They told me that the de-marketing department needed to unblock my account so they can cut me a check and it should take 1-2 days. It's now been over two weeks and many contact to customer service and the branch but I still have not received my balance even though my account has been closed for over 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
XXXX and XXXX XXXX  -current mortgage ( XXXX XXXX has been trying to call Carrington Mortgage and keeps delaying the process and stop taking our calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX XXXX I sent certified letter to CRA 's for them to DELETE all the Inaccurate and Incorrect personal information from my consumer reports. CRA 's has failed to respond back appropriately by Updating my Consumer Report with 1 correct name, 1 correct address, 1 correct employer, and correct SS #. As a valued consumer this is causing emotional and physical hardships for my family and I. This is unacceptable Per federal law they're in violation.

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 2022-03-25 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: SC

Complaint narrative:
Experian, XXXX XXXX The XXXX XXXX XXXX XXXX {$2500.00} amount has been payed and the account is closed. The account status says open.

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 2022-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
I have a parent plus loan that was started in XX/XX/XXXX I had two sons at XXXX XXXX University between XXXX. Starting in XXXX the loans were deferred as both my husband lost our Jobs. We had barely any income. During these years. I started XXXX XXXX in XXXX. I did not take out a loan I was granted a XXXX XXXX. In XXXX I began work and starting make payments again. I understand that interest had to be capitalized during that period. In XXXX is shows that I owe {$65.00}, XXXX to XXXX XXXX XXXX which is incorrect. I never took out a loan at this school. My only loan should be to XXXX XXXX which started at XXXX. See attached history. XX/XX/XXXX shows another loan for {$12000.00} at 8.50 %. I have not idea what this is. I really don't think I should be responsible for this I will try and locate the XXXX XXXX approval but is has been 20 years or so. I appreciate your assistance. Additionally when I refinanced the loan at XXXX. I was given a rate of XXXX payment roughly 400 amount. At this point not really sure I owe that much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: IL

Complaint narrative:
Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-03-25 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:
Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE iXXXX XXXXXXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank approved me for a XXXX XXXX Visa card on XX/XX/2022 with a very low XXXX credit limit. I have a XXXX credit score and I need to escalate this to an executive customer service at US Bank XXXX Please increase my credit limit to a reasonable amount such as XXXX for a business credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: IL

Complaint narrative:
XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX has violated my rights as a consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave authorization for that.

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 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please update my personal information to accurately reflect per the attached.

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 2022-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
File a Complaint Feedback from consumers is vital to XXXX. We appreciate your willingness to report this information to us. We look forward to helping you and the business work toward a resolution. 
Your complaint details : First Name : XXXX Last Name : XXXX XXXX : XXXX Phone : XXXX XXXX Address : XXXX XXXX XXXX XXXX : OH City : XXXX Zip : XXXX Country : XXXX Description of Complaint : Coinbase demonstrates the like and similar pattern and practice of illicit and/or dilatory behavior described by many other Complainants. Following is a fragment of evidence found in the complete record : Sun, XX/XX/XXXX at XXXX XXXX XXXX there, Thanks for contacting us. We see that youre having difficulty accessing your account and we're ready to help. 
After our further investigation, it shows that your account has been taken over by the attacker and they were able to change the email address on your account. Our records indicate your account was accessed on XXXX, XXXX XXXX  from an unknown IP address and device. This IP is authenticated with your password, your 2FA security codes and the device confirmed via hyperlink sent to your email. This means the attacker had access to your password, 2FA security codes and email to conduct this activity. 
Using these compromised credentials, they were able to initiate the following buy : XXXX, XXXX XXXX XXXX Wallet XXXX XXXX {$37.00} Please follow these steps : 1. Create a new Coinbase account using a different email address at https : //www.coinbase.com/signup 2. Add and verify a phone number. For security purposes, do not add and verify a VOIP number. 
3. Complete the ID upload and live photo ( selfie ) when prompted at : https : //www.coinbase.com/verify-document? 
Coinbase, Inc XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX If you have any questions or concerns, please contact the XXXX  assigned to your complaint : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Email this XXXX  ( XXXX ) XXXX facematch=true. These steps will help us verify your ownership of the previous account. Please inform us when you've finished these steps. After we complete a review of the information, we can transfer the balance from the inaccessible account to your new one. 

DONE and Coinbase still fails to lawfully transfer assets they do not own with endless BS. 
I DEMAND Coinbase immediately pay out my approximately XXXX XXXX, .1 ETH, 1 LTC, and all other assets held immediately to my new account which has been verified and the same you have been found to snoop on, or my prior known Bank Account ending in XXXX, or my address of record prior to this suspicious alleged " hack '' from an " unknown IP '' with an unlawful bypass of the established 2FA regulation which is under investigation. 

Desired Settlement : Refund plus punitive damages and referral to criminal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-03-25 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: AES/PHEAA
State: TX

Complaint narrative:
I am currently in the XXXX XXXX XXXX XXXX ( PSLF ) program and have payments that I made while in school that I am being told will not count as qualifying payments toward forgiveness because the lender had automatically ( without my knowledge or consent ) placed me on an in-school deferment because I went back to school. However, while in school I was still making payments on my old loans from when I first went to school, so these payments should have counted. 

Please change the XXXX program to count payments that were made during in school deferment or forbearance periods. It is unfair that 3 years of payments I have made won't be counted and this needs to be fixed as I am not the only one this is happening to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: OK

Complaint narrative:
I have called over and over and have submitted the dispute online over and over and they are not fixing the error. The below hard inquires are fraudulent and need removed ASAP! 

XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 THESE 3 ARE FRAUD A NEED REMOVED ASAP FROM MY XXXX REPORT XXXX XXXX XXXX XXXX NEEDS REMOVED FROM EXPERIAN CREDIT REPORT ATTACHED FTC 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 2022-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/23 my bank allowed XXXX transactions for the same amount and to the same place. Totaling {$1900.00} after the investigation they refunded me back XXXX transactions totaling {$720.00} the rest they said we're done by me. Which shows the level of incompetence. Reason 1 was because I shopped there before which is a lie. I never have. Reason 2 something about not changing my pin number. It says on the transaction debit used no pin so it makes no sense. I tried and tried to reach someone for at least a better explanation to no evail. Customer service isn't advance to explain things. It's been 3 months and I got no reasonable explanation. Also if I committed fraud why refund XXXX oh the transactions at all. Please help it's a lot of money they want to steal from me. 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