vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
The Company is Coinbase. I made a deposit of {$7000.00} on XX/XX/2022. 
They require 5-6 days to have access to the funds. The waiting period has been fulfilled. They are now restricting my account because they said an additional {$7000.00} Deposit was attempted but funds were not available. I requested they disregard that deposit as clearly it was unintentional and a double entry error. They would not clear the error and said the amount needed to be satisfied to clear the restriction. I deposited a second {$7000.00} to clear it up and they are now still restricting access to the funds. They will not let me speak with someone on the phone and will only communicate by chat on their website. They will not provide an email to someone, as I would like proper documentation of our correspondence. The only name I have is the chat person who goes by " XXXX ''. I'm not joking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ROYAL UNITED MORTGAGE LLC
State: CA

Complaint narrative:
I've been working with Royal United Mortgage company out of XXXX, XXXX, for 4 and half months, started on XX/XX/XXXX. Denied on XX/XX/XXXX. I was looking for a new small loan of XXXX for 30 years, on a second home because I was taking over the old loan from my brother. I have no other home loans, very good credit, income of XXXX, lots of assets, and just some normal credit card debt debt from a work project. The loan is for a home recently valued at XXXX ... no other loans on the house and its rented out for XXXX a month. I wanted a home loan as opposed to paying off the loan, because I'm earning 12 % on my money, so a small loan made sense. I'm retired, XXXX, so I don't have a regular work type paycheck, but I have plenty of income from various sources, so I would consider a loan to me extremely safe and a no brainer! Plus my wife is still working with a regular paycheck that could qualify by itself. 

I spent 4.5 months gathering information for Royal, only to be asked for more and more documents. I also had to pay for a {$1200.00} appraisal in advance. They kept leading me on that everything was ok... than I was denied for insufficient income of all things after 4.5 months. 

I have to assume I was denied for some other reason? My age perhaps, XXXX or the fact that my daughter and her wife will also be on the deed and they're XXXX... .or maybe both reasons? If I don't qualify who does????

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo allowed someone to commit fraud in my account four months ago. It ruined my credit. They were absolutely useless and helping. I just received another loan that is fraudulent in the mail. I don't have the time or mental capacity to deal with this again.

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 monetary relief
Consumer complaint received 2022-08-04 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XX/XX/XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XX/XX/XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
Amsher Collection Services was placed on my credit report for a balance that was owed to XXXX in the amount of {$820.00}. This information was fraudulent and suspicious. I filed a dispute with XXXX on XX/XX/XXXX and XXXX contacted Amsher Collection Agency. Amsher could not verify that the amount belonged to me and that it was incorrectly reported on my credit file. This account has been removed from my credit report. However, I sent in two money orders before I found out that this account was removed from my credit file. I sent two money orders in the amount of {$820.00} to the XXXX XXXX XXXX XXXX XXXX who is working on my account on behalf of Amsher Collection. I am having issues with receiving my money back. It has been difficult getting in touch with someone. I would like to receive the full amount that I sent via money orders. I would like a refund of {$820.00}. I haven't received anything in the mail from Amsher Collection regarding this credit/refund. I have attached the money order receipts to show the full amount that I sent to the Law Offices of XXXX XXXX ( Who is working on Amsher 's behalf ). I would like to receive my money back. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: TX

Complaint narrative:
To Equifax I'm not here for a Dispute, this is a demand. This account/ report was created without my consent, an my privacy was violated. I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/XXXX I applied for a credit card via XXXXXXXX XXXX website. I was denied for credit. 
12 CFR 1002.7 - Rules concerning extensions of credit. 
CFR 1002.7 Rules concerning extensions of credit. 
( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of XXXX, marital status, or any other prohibited basis. 

12 CFR 1002.6 - Rules concerning evaluation of applications. 
CFR 1002.6 Rules concerning evaluation of applications. 
( a ) General rule concerning use of information. Except as otherwise provided in the Act and this part, a creditor may consider any information obtained, so long as the information is not used to discriminate against an applicant on a prohibited basis. The legislative history of the Act indicates that the Congress intended an effects test concept, as outlined in the employment field by the Supreme Court in the cases of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), to be applicable to a creditor 's determination of creditworthiness. 

( b ) Specific rules concerning use of information. 

( 1 ) Except as provided in the Act and this part, a creditor shall not take a prohibited basis into account in any system of evaluating the creditworthiness of applicants.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
While checking my credit report, I notice an account from XXXX XXXX XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXXXXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me 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 non-monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
While checking my credit report, I notice an account from XXXX XXXX XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXXXXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me 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 non-monetary relief
Consumer complaint received 2022-08-04 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: CORELOGIC INC
State: NC

Complaint narrative:
Corelogic illegal pulled and supplied innacurrate credit information in a illegal pull of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: Rent Recovery Solutions
State: OK

Complaint narrative:
Called XXXX today to get accounts removed off my credit report, that I did not give them the right to consent to the account pursuant to 15 usc 1681b # 2. 

I spoke with them on XX/XX/2022, at XXXXXXXX XXXX. CST and they are refusing to delete these accounts. I asked to speak with a supervisor and told her that they are violating my consumer rights. 
I demand the accounts be removed as followed : XXXX XXXX : {$6500.00} XXXX XXXX XXXXXXXX : {$6300.00} Rent Recovery : {$2400.00} XXXX XXXX XXXX : {$580.00} and XXXX closed accounts, XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
in XX/XX/2022 Navy Federal has written off the alleged debt of {$15000.00} as a charge-off. A Charge off by law is " the writing off of a debt and termination of collection activity without release of personal liability. '' According to the IRS Publication site Navy Federal are to File a 1099c for any amount over {$600.00} and send the consumer a copy of the filed form. 

Also amount would be now considered income for me the consumer and they must remove this account from my credit report. The CRAs can not report income, the can only report debt. 

I want this matter investigated immediately. 

I will not hesitate to reach out to the IRS and TIGTA to do an investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX  Account # XXXX 30 days late in XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX  XXXX Account # XXXX 30 days late on XX/XX/XXXX2019, and 60 days on XX/XX/XXXX2019. 

XXXX. XXXX XXXX # XXXX 30 days late in XX/XX/XXXX2020, and XX/XX/XXXX2021. 

XXXX. XXXX Account # XXXX 30 days late in XXXX 2019, 60 days in XXXX 2019, 90 days in XXXX 2019, 30 days late in XXXX 2020, 60 days in XXXX 2020, and 90 days in XXXX 2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with explanation