vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
On XXXX XXXX XXXX XXXX Funds were deposited to COINBASE in my account, and converted to USDC. For reasons they will no disclosed, they have placed a 47 Day Holding period on my funds, so they are no available for sending or withdrawal. Also, they have put a restriction on my account. After contacting them to discuss, they refuse to give any reason why or to release the funds back to me. {$20000.00} is currently being held hostage, it's extremely concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX, financed by Wells Fargo. From XXXX XX/XX/XXXX I made timely payments even though I was laid off due to Pandemic related cutbacks. I was only late a few times due to layoff. I contacted Wells Fargo after I used all my savings and retirement and still unable to obtain employment due to significant competition and my age. I asked Wells Fargo to help me given the unique circumstances but all I was told is that I need to make the approx XXXX payments or face repossession. I managed to find some aid but the assistance was one payment. In XX/XX/XXXX I called Wells Fargo to inform them I was beginning to receive contracts jobs and would pay what I could. I pleaded with them to work with me and reduce the loan interest percentage but I was denied. I only owed XXXX on the loan, the car had low milage and in excellent condition. The car book value was XXXX so I had equity. I contacted Wells Fargo in early XXXX pleading with them that repossessing the car would be detrimental to my ability to continue contracting and seeking fill time employment. I live in a rural area and live alone. I asked to speak with management but still was told there was nothing they could do. I received multiple letters stating Wells Fargo does not want to repo my car and wants to work with me to keep me in the automobile. I called but received the same BS. I came across the law suits and having gone through a repossession many red flags were raised. The car was picked up mid XXXX and still have not receives any documents regarding if it has been auctioned. I have missed numerous jobs and my credit is shot all because of the friggen pandemic and the difficulties of finding a job. I even applied several time at Wells Fargo but never considered.

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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
details of this complaint is in the letter please review it. i have attached FTC that you requested and a screenshot as well of the charge-off accounts that i did not authorized and its not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio recovery associates has called me over 500 times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
In late XXXX we were suddenly unable to access our joint savings account at Citizens Access. My husband and I could log in, but it said, " you have no account. '' At first I thought our account had been hacked, but I called and the agent could see our account was intact. They said to wait a few days and we should be able to access our account as normal. 
That was a month ago. 
We can still not access our account or funds. We can not see any statements or documents. 
We called Citizens Access again XX/XX/2012, XXXX and XXXX. Each time they apologized and said it is a technical error and they opened a ticket and they were working on it. But no resolution. 
The last time, my husband demanded they at least email us a verification of deposit so we can prove we have this account, because we can not even see the balance. They emailed us that paper, but now it is XX/XX/XXXX and we still can not see the account as of today. 
Please help. Citizens Access has done nothing to correct this problem. 
We feel as though Citizens Access has stolen our money. 
I understand that Citizens Access is owned by Citizens Bank, which is owned by Citizens Financial Group , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
details of this complaint is in the letter please review it. i have attached FTC that you requested and a screenshot as well of the charge-off accounts that i did not authorized and its 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 2023-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I paid off my XXXX  XXXX on XX/XX/XXXX and was told that the lein would be released and that the title would be mailed. As of XX/XX/XXXX I've not received the title. I've call 4 times during the wait asking about a status and they said it was mailed and would be received within 10 business days. The 10 days have come and gone twice and still no title. Today when I spoke to Chase they said a new title was mailed on the XXXX and I needed to wait another 10 days. I've not been able to sell this car and have continued to maintain insurance. In addition, a dealer offered to purchase but said the new XXXX XXXX XXXX  value book would be coming out in XXXX and he expected the values to show a decline. 
Therefore, because of these deceptive practices I have been financially impacted through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: MA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-07-31 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: TX

Complaint narrative:
This is a general complaint against Experian and their so called investigations. I have sent in numerous dispute letters pertaining my personal information being reported incorrectly. I have even filed a formal complaint with the Federal Trade Commission about these old addresses that put me at risk for identity theft because I have no access to these addresses. At this point, Im seriously thinking about consulting with a consumer lawyer because Experian does not hereby to anything. I simply called XXXX and XXXX, updated my personal identification information, and the changes was updated within 48 hours. The world knows the e-Oscar system is who reads our dispute letters, and we all know its not 100 % accurate so what will it take?! FCRA. states all credit reporting agencies should be reporting accurate and verifiable information but it appears as if Experian is exempt.

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 2023-07-31 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Company decided to sue me in Georgia for a fraudulent account I counter sued Portfolio Recovery Associates llc and on XXXX 2023 Portfolio Recovery Associates case was dismissed with prejudice, my counter claim however was not and i won. Afterwards portfolio recovery decided to falsify my signature and claim I came to an agreement with them. Attached is email transcripts of their hired attorney to fraudulent have me sign a contract that was null and void due to already dismissed case. I successfully sued and won for {$500000.00}. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I made the payment on time and by due date on the BOA account. I paid by check in XX/XX/2023. There should be no " late '' notations, or any fees on my account. I paid {$4.00} back last month ( XX/XX/2023 ).

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 2023-07-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Paypal locked my account over 100 days ago and i had over {$580.00} in it. They are telling me I need to wait over 180 days to get access to my funds. I am in a very bad financial position at the moment and could really use those funds now. I do not see the need for paypal to hold these funds for this long. Its already been XXXX days. 
What more could they need to research?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: FL

Complaint narrative:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXXXXXX 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 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-07-31 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: FL

Complaint narrative:
Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: MI

Complaint narrative:
I have previously disputed reference item # XXXX and in response, Experian verified the item as accurate, stating that they have verified the information with the court. 
I contact the court, and their response is enclosed. It is clear they do not report to Experian or any credit bureau for that matter, therefore, their initial response verifying the court was either an error or a lie Either way, the reporting requirements do not comply with FCRA SS 611 ( 15 USC ss 1681i ), and the information must be deleted immediately.

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 2023-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: PA

Complaint narrative:
I set up payment plan from my bank XXXX & XXXX XXXX XXXX, Pa, the new company refused payment. 
XX/XX/2023 Dear XXXX XXXX, We tried to process your payment to PLANET HOME LENDING for {$1100.00} on XX/XX/2023, but it was returned to our processing center due to an invalid account number. The payment will be credited back to your funding account. Please allow 2 to 3 business days for the refund to post to your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: FL

Complaint narrative:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU 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 2023-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX XX/XX/2021 XXXX transferred to another servicer BSI financial services that's when my problem started

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have previously disputed reference item # XXXX and in response, XXXX verified the item as accurate, stating that they have verified the information with the court. 
I contact the court, and their response is enclosed. It is clear they do not report to XXXX or any credit bureau for that matter, therefore, their initial response verifying the court was either an error or a lie Either way, the reporting requirements do not comply with FCRA SS 611 ( 15 USC ss 1681i ), and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
I filed XXXX XXXX bankruptcy in XXXX. I paid my bankruptcy off in XXXX, all debts were discharged. I receive a call from XXXX last week stating that they are feign to collect a debt that was sold to them from Quick Credit in XXXX SC. I let them k ow this debt was discharged through bankruptcy. On XX/XX/XXXX this account was put on my credit report. How does an original credit sale a debt that was discharged through bankruptcy. I have reached out to Quick credit and XXXX. I am in the process of buying a house and due to this debt being added to my report my score has dropped and I may not be able to buy my house now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: NY

Complaint narrative:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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