vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-20 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: GA

Complaint narrative:
In accordance with the Fair Reporting act XXXX  Account XXXX XXXX # XXXX has Violated my rights 15 U.S.C 1681 section 602 A states I have right to privacy. 15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not Furnish account without my written instructions.

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 2023-06-20 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: FL

Complaint narrative:
I had two forms of payments on my account for automatic deductions and have never been late on my account. 

My brother had XXXX XXXXXXXX and I left for six weeks to take care of him and my parents or father who has XXXX. It was a nightmare having to tell my dad everyday that his son was XXXX and watch him sobbing. 

During the six weeks when XXXX tried to pull my payment my bank did not have funds but I was not worried because I had a second account on my account with them. I also did not know the payment was missed. 

When I returned home after my brothers funeral and noticed the payment was missed I made it immediately. I was told by upgrade even though I have a backup account they can not pull from this account. I explained my situation and showed them my airline tickets for my six week stay and my brothers funeral announcement. XXXX stated if I sent in a complaint to the bureaus they would take this late payment off my credit and I have tried twice and they still have it on my credit reports. 

This has made my credit drop over XXXX points and has hurt me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Credit card companies sold off my account to collection agencies which is against the law and some of these accounts are over 3 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: GA

Complaint narrative:
XX/XX/XXXX I received a " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' for XXXX XXXX XXXX due of {$6400.00}. 

At which point I began calling and spending endless hours waiting to speak with customer service at Gregory Funding. 

My mortgage payments including escrow had been current for over 10 years. However in XXXX, XXXX I began withholding my escrow from my payment as I was concerned they would never correct their errors. I requested they stop holding my escrow immediately in correspondence dated XX/XX/XXXX. 

Gregory Funding responded to my correspondence of XX/XX/XXXX on XX/XX/XXXX alleging they sent my tax payment to XXXX XXXX on XX/XX/XXXX however this was never applied to my account. They claim they sent another check on XX/XX/XXXX and are asking why the check was never posted. They are still currently working with XXXX XXXX to get late fees and penalties assessed waived. 

This note also notified me they have applied fees to my account for the 3 months I have withheld my escrow payments and denied my request to stop collecting these funds. 

During my research I discovered many complaints online about Gregory Funding not paying escrowed taxes and many consumers actually having liens placed on their properties. 

This has been extremely frustrating and time consuming thank you for your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
In early XXXX of XXXX, my account at Coinbase was taken over and when I reported it to Coinbase, they blocked me from my account. They then proceeded to make unauthorized transactions in my account. They tried to tell me that my email account must have been hacked into and that is how someone got access to my Coinbase account. I strongly disagree. Someone within Coinbase accessed my account and used my debit card to transfer funds from my XXXX XXXX account or they allowed access, not protecting my debit card. They made numerous transactions and transferred everything to a Coinbase Pro account which I had never signed up for or used. Coinbase depleted my cryptocurrency and claimed that my XXXX XXXX bank reversed charges. I reported this to the police. XXXX XXXX claimed that they did not reverse these charges that Coinbase claims. They also stated that they had no record of an account in my name for some of the charges that Coinbase claimed against me. Though I told Coinbase this, they insisted that they were my charges. Coinbase refused to check where the funds had gone except for taking my funds and keeping for themselves. Coinbase has cost me nearly {$20000.00} and, in addition, caused me severe distress. Not only did not they not protect my debit card nor my account, they made claims that are untrue, refused to answer my specific questions about the reversed charges and even after a year of attempting to get answers, ignored letters to XXXX XXXX, kept claiming they were entitled to more time to investigate before I was allowed to take legal action and then, still without giving me the information I requested, again stated, as they had numerous times, that they considered my complaint closed stating, " your customer experience was not up to our standards and we are issuing you a credit of {$10.00}, and an additional {$50.00} for your wait for a response to your formal complaint ''. This is totally unacceptable and I want to be compensated in full for the losses from my account due to Coinbase negligence, possible internal fraud, failure to protect my debit card and account, making transactions in my account while blocking access to my account, taking money from my account stating that it was for funds reversed by XXXX XXXX which XXXX XXXX denies and Coinbase repeatedly refused to provide copies of such transactions. Coinbase claimed that they answered everything which they did not but then, again, closed the complaint. There are numerous emails from them just dismissing me and closing the complaint. This is how Coinbase treats their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: OH

Complaint narrative:
My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-06-20 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: GA

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

Account name : XXXX  XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX  Account name : XXXX/XXXX  Account XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX  XXXX Account number:XXXX Account name : XXXX/XXXX  Account number:XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company 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 2023-06-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I'm I was getting charged for certain things that are not authorize without my knowledge. 

I'm getting charged for credit cards that are closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
To Whom It May Concern, Ally Mortgage has repeatedly made errors and failed to correct said errors associated with mortgage account ending in XXXX. Please see attached timeline to this complaint, as well as corresponding Ally Payment History and proof of erroneous credit reporting. To summarize the issue, my husband and I 's mortgage account was transferred to Ally from XXXX XXXX XXXX in XXXX of 2022. We made repeated calls to Ally regarding payment and set up of our account. However, due to lack of account set up, no payments were made in XX/XX/2022 to this account. 

Despite these issues created by Ally, we set up our account through our own diligence and repeated contacts, so we could pay XXXX, XXXX, and XXXX payments. We were then notified that we still had an outstanding XXXX payment. My husband made arrangements and agreements via a phone call with Ally in XX/XX/2022 to pay an additional amount each month for the course of 5 months to catch up the mortgage. Ally agreed in return to not report the XXXX payment. 

Despite this, Ally reported the late payment, but even incorrectly reported the late payment. Specifically, per our credit report, Ally stated the missed payment was for XX/XX/2022. ( See attached Credit Report ). This was done in error as the mortgage payments clearly show that a larger payment of {$5800.00} was made that month. ( See Ally XXXX XXXX attached hereto ). The only assumption I can make is that Ally CHOSE to first not honor their agreement from XX/XX/2022 and second reported a XX/XX/2022 rather than a XX/XX/2022 " late '' payment due to RESPA guidelines. Since the XX/XX/2022 payment would have been within the 60 day window disallowing mortgage companies to report that to the credit bureau, they chose to report the INCORRECT date. 

My husband and I have now made repeated attempts to have Ally correct this via the dispute and appeals internal process, so this can 30 day late payment can be removed from our credit report. Ally continues to deny this request despite their own errors and evidence of the same. 

Thank you for your time and assistance with this matter.

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 2023-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: GA

Complaint narrative:
The GA HAF program made a payment to Ameris DMI on XX/XX/XXXX to reinstate my mortgage and give me three months of advanced payments. Ameris DMI processed the payment on XX/XX/XXXX. Ameris has my next payment date set for XX/XX/XXXX. When I log into my account online the next payment date and amount appears to be correct but I don't have the option to make a payment. Also I don't see all statements from XXXX to XXXX it looks like they have been deleted some statements from my account. I called and emailed Ameris DMI about the not being able to make a payment online. Over the phone I was told that my account is still in loss mitigation even after they processed payment to reinstate the mortgage on XX/XX/XXXX. On previous phone conversation they told me after reinstatement payment I would be released from loss mitigation and my account would return to normal. Via email I was told there is no problem with my account and to send a screen shot of the issue. I sent the reply email with screen shot but I did not get a reply back. My payment is approaching and I am tired of having all these account issues with Ameris DMI. My Account is paid current and should be in a normal state I should be able to make payments online. Please see Attached documents for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I called XXXX/corelogics after recieving my consumer disclosure report, XXXX 's agent on the phone put me on hold for a unreasonable amount of time while I was wanting to dispute an address on my consumer file, that I have never lived at, after waiting for more than half hour on hold, I decided that it was best to hang up and make a complaint. XXXX needs to remove this address, it not an address that I have ever lived at. Please remove this address immediately as it is impacting me negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed 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 non-monetary relief
Consumer complaint received 2023-06-20 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: CA

Complaint narrative:
I was diagnosed with XXXX in XXXX of XXXX. I notified my auto loan company XXXX XXXX. I was not able to reopen my office to go back to work until XX/XX/XXXX. I struggled with re opening as it took a bit for me to rebuild my customer base as I am a XXXX and had to wait for our courts to reopen so my clients could file their documents after I prepared them. The courts did not open until XX/XX/XXXX due to the courts not opening up until XX/XX/XXXX. I struggled due to having to rebuild my client base. I never received any XXXX assistance through XXXX. There was a moratorium order to protect consumers credit. I informed XXXX XXXX, but test they kept dinging my credit score which was against regulations. They never assisted me. I need all the lates removed from my credit. In XXXX of XXXX I came to an agreement with XXXX XXXX. I paid {$7000.00} and the sent me a XXXX for the balance to file on my credit report. There was no charge off as they reported charge off on my credit. It couldnt be charged off if I paid them directly.

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 2023-06-20 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: OH

Complaint narrative:
My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX Reported BALANCE {$260.00} : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief