vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
PLEASE REMOVE ALL FRAUDELENT ITEMS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: PA

Complaint narrative:
It have come to my attention theres a third party collection agency who has created/ furnished an account for me using my identifying information without my consent which is identity theft and unauthorized use. Pursuit 15 U.S. Code 1681a ( q ) ( 3 ) Identity theft .The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lending Club Corp
State: UT

Complaint narrative:
I had received a few calls from an unknown number leaving a cryptic message for me to call them back. My grandmother was in the hospital and finally, they got a hold of my father as well and left the same number to call them back. So on XX/XX/XXXX at approximately XXXX XXXX  I spoke with XXXX XXXX of XXXX XXXX or XXXX XXXX XXXX ; who first off did not mention that it was an attempt to collect a debt. After I mentioned that I did not recognize the first lender name he mentioned ( XXXX  XXXX  ) he said that he would have me put in jail for fraud if they discovered it was not true that the debt was in my name. The company was XXXX XXXX  XXXX  which I did recognize. After some discussion, he stated they would sue me and garnish my wages and take my family 's property - anything that was attached to my social security to repay the debt unless I agreed to the settlement amount he was offering me. He emailed me the originating loan application documents with no password and no disclosure information in the email- in addition, he included no information about his company within the email either. The name of the company he says he works for that he provided on the phone and the name of the company attached to the email address does not exist. Although I can clearly see that he has some form of documentation for a loan I once had that has since aged out and been charged off since XXXX with no payments since XXXX. This is all concerning because the debt is so old and without a lot of the disclosures and required checks I thought were .... required.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/21, Coinbase closed my account. It was immediately after I added an additional bank account that I have used in other exchanges without issue from a federal savings bank. Coinbase refused to give me any reasoning for the closure. 

My account is under my email : XXXX When I tried to login through their coinbase.com or the Coinbase XXXX site, both redirected me to a landing page to remove remaining funds from my account. The remaining funds listed were those remaining in my Coinbase account. However, what were missing were the funds that were in my Coinbase XXXX account. 

After repeated phone calls, and opening a support ticket, there have been absolutely no responses. They are holding my funds hostage that were on my Coinbase XXXX  account. Coinbase Case # XXXX submitted XX/XX/21 These missing funds included XXXX DOT that was purchased on Coinbase XXXX, exact details below : Bought XXXX DOT ( XXXX  XXXX  ) at price $ XXXX. Fee {$21.00}. A total of {$4200.00} USD spent on XX/XX/21 XXXX XXXX. 

Additionally, there was a balance of Bitcoin ( approx. XXXX ) and a remaining balance of Ethereum ( approx. XXXX ETH ) that were also not listed in the remaining funds they allowed me to withdraw on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: NC

Complaint narrative:
I am a victim of identity theft. My information was exposed in a data breech. The information is inaccurate and have no relation to the accounts reporting .I opt out of any company policies as this is to be handled under FCRA LAW. I will be following up with each company to make sure this is handled in a timely fashion. 

XXXX XXXX ( {$8100.00} ) # XXXX XXXX  XXXX  ( {$430.00} ) # XXXX INQUIRIES : XX/XX/XXXX XXXX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX 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 2021-10-18 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: NC

Complaint narrative:
I am a victim of identity theft. My information was exposed in a data breech. The information is inaccurate and have no relation to the accounts reporting .I opt out of any company policies as this is to be handled under FCRA LAW. I will be following up with each company to make sure this is handled in a timely fashion. 

XXXX XXXX ( {$8100.00} ) # XXXX XXXX XXXX ( {$430.00} ) # XXXX INQUIRIES : XX/XX/XXXX XXXX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To whom it may concern, There are fraudulent inquiries harming my credit report and my life. I have attached my Identity Theft Report as instructed by Equifax. 

Equifax must take it upon themselves to remove these inquiries from my credit immediately. 

The fraudulent inquiries on my report are as follows : XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX  XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: U.S. BANCORP
State: CO

Complaint narrative:
Hello, Please look at page 14 of the document I provided. 


I have dispute the US Bank account on my XXXX credit report several times. This was an account that was opened without my authorization and when I realized the account was reporting negative information in XX/XX/XXXX, I disputed the account and asked them to close it and remove the negative information with all credit bureaus. XXXX is the only reporting agency that hasn't removed the account. 

I have even went as far as paying the charge-off to try to remove it or lessen the affect it has on my scores. But that hasn't worked either because XXXX inaccurately reports it as a charge off for 39 random months after the original charge off. 

Instead of 1 charge off at shows at 43 negative events. 

This account which is inaccurately mine to begin with should fall off my credit in XX/XX/XXXX, 7-years from the original charge off. But because of how US Bank and XXXX report it, I'm at risk of it not falling off until 7-years after the last reported Charge Off in XX/XX/XXXX. 

This data is inaccurate and hurts my otherwise responsible credit history.

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 2021-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: AZ

Complaint narrative:
BSI changed our payment amount by about {$1.00}. We have been sending in the amount we knew we were supposed to send in through our bank by an automatic payment. This has been happening since XXXX and we didn't know because they had our wrong address on file, so we were never notified. In XXXX they decided to stop doing it that way and just held our payment and reported us late. Then they did it again for XXXX. We received a phone call from BSI as we were in the middle of buying another house for my mom who is getting out of an abusive relationship, and the person said just add 3 dollars to your next payment and everything will be okay, there won't be any lates or anything. My wife fixed the payment so that it would be correct and we were clear to close on the home for my mom, then these reports came out and destroyed our plans. Our credit is messed up and we have been calling for 2 and a half weeks and can't seem to get through to anyone who can help. The customer care won't put us through to supervisors and the one we finally did get through to will not call us back. This was all because they had our address wrong and didn't send notification that the payment had changed and stopped pulling the extra {$1.00} from escrow. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Applied Data Finance, LLC
State: FL

Complaint narrative:
Due to the Pandemic my Husband has been out of a job and we are in financial distress at the moment. We are having issues paying our loan thru Personify and they have sent me a loan settlement offer in an email. But after numerous attempts I can not get them to confirm this offer in writing or email, they only offer doing it over the phone which I am not comfortable with. I would like something in writing. I have sent them numerous emails requesting this and even suggesting terms I could pay. {$2800.00} one time payment or {$4000.00} over 6 month period. However I just keep getting a runaround. I would like to settle this debt but this company Personify is impossible to deal with. I also have already made well over {$4000.00} payment on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
I am a XXXX XXXX XXXX veteran with a home Mortgage through freedom Mortgage. Because of my XXXX status, I have an approved 100 % property tax exemption from the state of Illinois. On XX/XX/XXXX, I called freedom mortgage to request that my escrow reanalysis occur in order to take this exemption into account. I sent the approved exemption and the new tax bill of {$0.00} to the tax department as requested. An escrow reanalysis occurred, and I received a letter stating that my monthly payment was lowered but that I still would pay a substantial amount into escrow every month for taxes. I then spent the next 3 months waiting on hold and speaking with the tax department and escrow department. EVERY person I spoke to realized the error, said they would fix it, and send it back to the escrow re-evaluation to have the escrow fixed. I would then receive a letter in the mail saying their was no change. I have spoken to the tax department, I have had my case elevated and I have had assurances that the error has been fixed. Then when the escrow research or reanalysis is conducted, nothing changes. Literally every person who I have talked to on the phone has said I am correct, but yet the problem persists. 

I then made the mistake of choosing to conduct a IRRL refinance with Freedom Mortgage in hopes that the issue could be resolved that way. I spent about 5 weeks speaking with my mortgage officer and the underwriters to get the correct closing documents showing that I paid XXXX taxes. Finally, on XX/XX/2021, I was sent closing documents showing that my escrow would not include taxes. The closing scheduler on the phone assured me that everything was taken care of. When the closer arrived today, property taxes were put back into my closing disclosure. If this is not resolved today, I will be cancelling my refinance with freedom mortgage.

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 2021-10-18 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: PA

Complaint narrative:
There is a collection tied to a fraudulent account on my credit report and it must be removed immediately! The collection is from XXXX XXXX -- the collection agency is XXXX XXXX and the collection was opened XX/XX/2021. 

I have attached my Identity Theft Report and my identification. You must remove this or I will be suing all parties.

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 2021-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XX/XX/2021 at roughly XXXX EST I call Chase Bank Credit Card ( XXXX ) to obtain a pay-off letter in writing for a specific date in early XX/XX/2021. I was seeking the pay-off letter to allow me to pay down my balance at the closing of a mortgage. Chase Bank would only provide a pay-off letter for the same day balance. To clarify, if I called on XXXX XXXX they would only provide a pay-off letter for XXXX XXXX Additionally, the written pay-off letter would ONLY be delivered by fax. I escalated to a manager and they provided the same answer. They did offer to provide a verbal pay-off estimate for the requested date ; however, verbal estimates are not usable by mortgage companies. This entire process seems unnecessarily restrictive and ultimately obstructionist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: MO

Complaint narrative:
On XX/XX/2021, A request to TRANSUNION to remove fraudulent reporting information was denied, the information to be removed under the fair credit reporting act, and was Dates of acts XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021

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 2021-10-18 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi experian has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over 710. experian has me at a score around 592. That is a huge difference. experian paints me as a XXXX. XXXX XXXX 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 experian i spoke to a representative agent name 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 seven 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 accounts 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 10 times. experian 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 im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
The recent PSLF waiver prompted me to do a manual recount for myself. I realized 36 months were listed as in forbearance. The years are XXXX. 

To refresh my recollection, I searched my XXXX email because this was easy and fast. 

Since I archive email, I located all email correspondence from all the previous servicers, including the monthly statements and payment confirmations. 

From this research : In XXXX, XXXX was the servicer for the Direct Loan Consolidation. 

In XXXX, XXXX transferred service to XXXX. 

In XXXX, XXXX transferred service to XXXX. 

In XXXX, XXXX transferred service to FEDLOAN. 

In XXXX, I pursued forgiveness by completing ECF PSLF TEPSLF. 

TEPSLF and PSLF were both denied but I got updated counts for both. 

Most of my past payments were made on inelligible payment plans. 

I have worked for the same quailified employer since XXXX. 

The entire 36 months with XXXX, the payment history and repayment status is wrong in both FedLoan Records and studentaid.gov XXXX replied they do not do these loans, records were sent to nee servicer in XXXX so I need to get records from the new servicer. 

XXXX services said to contact XXXX. 

I have not heard back from XXXX or FEDLOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX all funds were removed from the account and XXXX ( XXXX XXXX XXXX ) were instructed by recorded phone call that they were to close the account effective XX/XX/XXXX. 

On XX/XX/XXXX unsolicited email was received from XXXX stating that additional information was required to review my application for a XXXX Checking Account. That same day I responded to this correspondence stating : " Close this account as previously requested. '' On XX/XX/XXXX I received a phone call from XXXX. They stated that during the 10 days my account had a positive balance that it had earned {$1.00} in interest. This interest was added on XX/XX/XXXX, fifteen days after the account was to be closed. I was told that I would need to remove the funds from the account ( again ) before it can be closed. That same day I once again removed all funds in the account. 

On XX/XX/XXXX I received another unsolicited email from XXXX. This email stated : " We need additional information to review your XXXX XXXX request. ". At no time have I ever made any request to XXXX for any type of funding product or service. On the same day I advised XXXX that we did no longer have a transactional relationship and that they were in violation of the CAN-SPAM Act of XXXX for sending unsolicited emails without the ability to unsubscribe. 

On XX/XX/XXXX XXXX responded to my email stating that they would unsubscribe me from marketing emails, but that as I still had an account with them they were unable to stop transactional emails. I advised XXXX that twice now I have closed this account. They responded by stating that there was now {$2.00} in the account, which appears that they reversed my transfer request of {$1.00} made on XX/XX/XXXX on XX/XX/XXXX. It appears they have now XXXX my ability to remove funds from the account using the bank account that was used to fund the account. Not only did they reverse the transaction, they also added an additional {$1.00} to the account, despite the account have no funds in it for over a month. 

I have reason to believe that XXXX is refusing to close this account in an attempt to artificially increase their customer numbers with the goal of defrauding investors. As such, I have filed this complaint with the CFPB and will be filing a complaint with the SEC as well.

Company response to consumer: Closed with explanation