vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have been trying to access my credit report from Experian online. I have tried calling the number that they gave me, because of their system issues and I get a automated system that will not let me speak to a human being, because there isn't any options on the automated system that can not help me.Therefore Experian is refusing to give me access to my report, as well as not allowing me to file a dispute in regards to any negative reporting.

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 2021-08-15 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
My student loan account was reported 90 days late in XX/XX/XXXX after all of my student loans were placed in a 12 month forbearance status per my request in XX/XX/XXXX. I sent Navient the documented proof of a forbearance approval but the negative 90 day late is still being reported on all 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX made an inquiry on my personal credit report that had an adverse effect on My credit 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 explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
Paid this debt to another creditor already. Have documentation saying the account has been settled. I will not do the homework for this company. 

Rausch Sturm LLP : Received a letter on XX/XX/2021 saying I owe XXXX to XXXX XXXX  XXXX, XXXX. 

Debt has already been settled and has been previously removed from all 3 credit bureau 's as well.

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 2021-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
COINBASE. 

I have been using this app to trade with virtual currency and after using it for several months this message appeared suddenly : " YOUR ACCOUNT IS CURRENTLY BEING REVIEWED AND WE NEED SOME TIME TO VERIFY YOUR INFO. DURING THIS REVIEW, YOU WON'T BE ABLE TO USE COINBASE. REVIEWS GENERALLY TAKE A FEW DAYS, SO SIGN IN EVERY DAY OR TWO TO CHECK YOUR STATUS '' It has been over three months ( not just a few days ) that i havent been able to use my account therefore I can not get my money back because my account is always being reviewed.

This company, COINBASE, is reviwing my account after it had already been verified and properly working, so now I do not have access to my money.

Do please help me to get my money back because they are my savings. If I can not use the app I should be able to get back my money so please I would very much appreciate your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted several disputes to TransUnion regarding XXXXXXXX XXXX XXXX it's gotten hard inquiries that was fortunately placed on my credit report I have had Had problems in the past with this issue and identity theft my emails have been found on the dark Web And despite my letters amd emails/phone calls to transunion they refuse they refuse to remove hard inquiries. And/or supply me with proof that such inquiries are verified it it has been months they are not willing to work work with me these these false reports on my credit credit report is causing great hardship It's harboring me to obtain financial opportunities that may help me provide for my family TransUnion has a total disregard for the federal trade act and ignore ignores any XXXX XXXX  sponsors that I submit I approve of satisfying mail and also emails that I have sent to TransUnion for the last 3 months months with no relief in sight please help

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 2021-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: AL

Complaint narrative:
On XX/XX/2021 I was transferring XXXX lite coins which is {$4500.00} to a Coinbase Wallet. When I selected the XXXX wallet to copy the address, Coinbase gave me with this wallet address XXXX when I later discovered the correct address they were supposed to provide was XXXX. Instead of Coinbase rejecting the transaction they sent funds to When I sent the funds to the wallet I never saw them appear. So I did another transaction for {$500.00} and this one appeared. I immediately reached out to Coinbase and the only thing they would tell me is that my funds could not be recovered. I am able to view the funds to an address XXXX no one owns and continues to tell me that my funds are lost forever. Coinbase has since rejected my emails when I question what will happen to the funds in the wallet if they are never claimed. Block transaction is XXXX. XXXX is actively stealing from consumers and something needs to be done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
We were given a loan modification in XXXX of XXXX. It is a two part loan modification. # 1 is a interest and principal amount which has a maturity date due in XXXX. THIS AMOUNT CURRENTLY is estimated about {$260000.00}. # 2 is a deferred amount due ater the # 1 is paid. This is estimated at {$240000.00}. At the time the deferred amount is due I will be XXXX years old. We were initially given the loan modification because I suffered a massive XXXX in XXXX an became XXXX and into forced retirement. Our income became significantly reduced there fore the modification. I jhave repeatedly contact Carrington mortgage who services the loan with questions about the deffered amount. i.e who the investor is on defferred amount, is any of the deffered amount forgiven under the original modification, etc. As of this complaint I have not received any answers to any questions. I have contact Carrington no less then a dozen times to try to get answers to no avail. When I had my XXXX I had no health insurance. I was responsible for all medical bills. Our credit to say the least has been destroyed. We are current on mortgage and have reached to Carrington for assistance as well as answers to questions. There are also questions with regard to # 1 part of modification. The only reason we ssigned the modification was to stay in house. Any help to receive answers, resolution etc. Would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
Company has called me habitually and I have told them that I can not commit to a payment plan and they refuse to take my card over the phone unless I set up a payment plan. I highly dislike the fact that I have to send checks to them as they will cash them, but they will not let me just call and give them my debit card over the phone. When I send the checks they take over a month to process and cash. This is a horrible practice as I want to givre them money and I'm giving them what I can and they are not accepting my money as I cant financially commit at this time. If they are collections, they need to take the money that someone is attemting to pay. You cant tell someone they will take your money only if you can set up payments. If im calling to send you even XXXX dollars, you should accept it as I am trying to pay something.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I used my credit card to pay for an order with XXXX. I thought I used the wrong card so I called to cancel/dispute the charge. The charge was reversed and the money went back onto my card but then someone at suntrust sent the money again without my authorization. I had sent the money using a different suntrust account. So alibaba got paid twice. XXXX is saying the case is still open and suntrust just needs to get the money back on their end. The charge back is frozen. suntrust is saying the case is closed there is nothing they can do. This total amount of charge back is {$6300.00}. That is a lot of money that I have been missing since XX/XX/XXXX, XXXX case # XXXX and case # 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 2021-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Freud, I XXXX XXXX am a victim of identity theft from what I know since XX/XX/XXXX there has been many soft inquiries that were not made by me up to and possibly further of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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:
XXXX  XXXX has placed 2 inquiries allowed by someone else. This bank operatess out of nevada i do not do online applications and i do not need any loams or card not have i applied.i got a letter from XXXX XXXX my info was compromised. I advised company to remove inquiries and never enter my social into my their a Database. This govverment complaint was also requested by company. One inquiry was XXXX. One in XXXX Company adress is XXXX XXXX XXXXXXXX XXXX XXXX  nv 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 2021-08-15 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:
XXXX XXXX has placed 2 inquiries allowed by someone else. This bank operatess out of nevada i do not do online applications and i do not need any loams or card not have i applied.i got a letter from XXXX XXXX my info was compromised. I advised company to remove inquiries and never enter my social into my their a Database. This govverment complaint was also requested by company. One inquiry was XXXX. One in XXXX  Company adress is XXXX XXXXXXXX XXXX XXXX XXXX  nv 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 2021-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
On XX/XX/2021, I received a letter from Blitt and Gaines PC dated XX/XX/2021 stating that the debt has been retained by XXXX XXXX  so I responded to a letter requesting for validation of debt respectfully. I have asked for this info : -What the money you say I owe is for ; -Explain and show me how you calculated what you say I owe you ; -Provide me with copies of the original instrument of indebtedness that show I agreed to pay you ; -Provide a verification or copy of any judgment if applicable ; -Identify the original creditor ; -Prove the Statute of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; and -Provide me with your license numbers and Registered Agent. 

but I never received any of these. Also, the amount they said I owe is different from what's on my credit report if it is the account they are talking about, still I want it to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Never gave authorization to this company to run my credit.I have asked on numerous occasions for this to be taken care of and nothing has happened

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My situation began on XXXX of XX/XX/2021. I lost the amount of {$2700.00}. I went to my bank to clear up the blocked check situation but got nowhere as There were two XXXX checks sent out. This was after my bank had cleared the check. I was told later that I should have waited ten days to use my deposited check. I went to the restaurant that issued the check and spoke to the manager who knew instantly what I was taking about. She said you didnt deposit the check did you? Because this is not our check ( a block was put on the check ). She also mentioned that this appears to be a nationwide scam and that they had also reported it to the authorities. I have since put together the paper trail the guilty individuals have left for me and are attached to this correspondence

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 2021-08-15 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: Credit Plus Inc
State: CT

Complaint narrative:
Never applied with mortgage with this company or company for that matter.I have requested for this to be removed for over 9 months and nothing has been done.I do not have a Mortage nor did I apply for Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
USAA keeps over drafting the account by using some method which is crazy So far, I have racked up {$87.00} in fees When I paid my Att account it showed the money was already taken out because I used their website and allowed them to go into the account. When the account was assessed on XX/XX/XXXX, there WAS EnOUGH MONEY. USSA didn't honor that payment when the funds were in the account instead they held on until the account was low. 
meanwhile, I thought the payment had cleared so it was not until today that I saw the account had been overdrawn USAA continues to do this I am on unemployment but I continue to look for a job. i put in 3-4 applications per week and still no interview I am also a veteran with mental health issues and I'm freaking out right now USAA should be helping instead of hurting its customers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I am covid protection still have all the original letters and this company is reporting. The negative payments contradicting the covid statis

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 2021-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2021, I received a letter from XXXXXXXX XXXX XXXX XXXXXXXX dated XX/XX/2021 stating that the debt has been retained by Citibank NA so I responded to a letter requesting for validation of debt respectfully. I have asked for this info : -What the money you say I owe is for ; -Explain and show me how you calculated what you say I owe you ; -Provide me with copies of the original instrument of indebtedness that show I agreed to pay you ; -Provide a verification or copy of any judgment if applicable ; -Identify the original creditor ; -Prove the Statute of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; and -Provide me with your license numbers and Registered Agent. 

but I never received any of these. Also, the amount they said I owe is different from what's on my credit report if it is the account they are talking about, still I want it to be deleted.

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 2021-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX placed a collection on my credit reports for an amount that was already paid. They then placed it on my report through several collection agencies and it was removed EVERY time because I had to file a complaint through CFPB. It has recently been placed back on my credit reports under a different collection agency. I am requesting that action be taken immediately to remove the collection from all of my credit reports once again. I would also like action taken from the FTC, because that is where this complaint will be forwarded, to have XXXX XXXX XXXX fined or reprimanded in whatever way the FTC sees fit because I am beyond frustrated with this affecting my credit! Please have it 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 explanation