vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-18 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: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
TOPIC : Mr. Cooper Between XX/XX/XXXX - XX/XX/XXXX violated the Fair Credit Reporting Act ( FCRA ) 1 ) Failing to report complete and accurate loan information on a monthly basis. Mr. Cooper did not accurately report credit to all XXXX credit report agencies accurately and/or at all from XX/XX/XXXX to XX/XX/XXXX. I spoke with a representative of Mr. Cooper, XXXX # XXXX, XXXX XXXX, who stated Mr. Cooper reports on or around the XXXX of each month to all credit reporting agencies, and according to all XXXX of my credit reports from all XXXX agencies that have not been done as stated above in the topic. 

XXXX ) Failing to modify and/or delete information when required. This information was reported to Mr. Cooper as instructed ; however, the request was ignored and the incorrect information remained on the existing credit report in addition to not reporting to all XXXX credit reporting agencies timely each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Uplift, Inc
State: FL

Complaint narrative:
I booked a vacation with XXXX XXXX XXXX and financed it with Uplift for XX/XX/2022 making a down payment and paying for unconditional option to cancel with full refund. After my sons team did not make it to the playoffs, I cancelled the entire package on XX/XX/2022. I have been going back and forth with XXXX XXXX trying to get the money refunded to the original method of payment. I have sent emails to Uplift notifying them of this and for them to not debit my account. Until today, I could not get anyone on the phone with Uplift or anyone to assist me with resolving this matter via email. Even after speaking with the rep, she was not helpful. At this time I have been debited {$820.00} for a trip I did not take.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX inaccurately reported a late payment of 30 days for XX/XX/2022 on my credit reports. I disputed the late payment with XXXX and Transunion. The disputes resulted in XXXX XXXX updating to reflect paid on time with all 3 bureaus to include XXXX. In XXXX however, both Transunion and XXXX again inaccurately reported the late payment. Transunion reported it again as 30 days late and XXXX reported it as 60 days late this time with both being inaccurate. XXXX still shows the account as never late although it is now closed which is accurate. I disputed the items again with both Transunion and XXXX using information furnished to XXXX from the creditor themselves that shows {$0.00} past due in the month of XXXX as well as no activity indicator of any payments past due. Both XXXX and Transunion still refuse to update my credit report accordingly. I requested a copy of the information furnished to Transunion in response to my dispute regarding the late payment reported and a representative explained to me they don't get involved or ask for any proof. They only ask the company to verify whether or not is true and if the company says it is verified they will not remove it. 

I filed a complaint with the CFPB which is now closed. Transunion stated they updated the account in the conclusion however nothing has been updated. They stated they removed a name which they did not and that does not address the issue that I have. I have the payment history report that XXXX XXXX furnished to the credit bureaus which shows amount past due for the reported late payment as {$0.00} because there were no amount past due. There also is no activity indicator of a late payment on the payment history report that XXXX XXXX provided. Transunion refuses to update my credit report according to the payment history report provided from XXXX XXXX which I forwarded over to Transunion.

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 2022-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUHOME SOLUTIONS, LLC
State: MO

Complaint narrative:
Hello, My ex wife was awarded the home in XXXX ( divorce ) and the decree stated she is to pay without causing my credit issues. She is just now trying to refinance but the lender is filling out the XXXX incorrectly. As in XXXX of XXXX and as recent as XXXX the mortgage was over 30 days late. They are filing that no 30 day lates have occurred in the last year which is false and stated by them. My credit has even taken hits. So how or why are they able to lie on documents about payments but I still have my credit taking hits?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I received a call from a bank of america employee by the name of XXXX XXXX. XXXX called to advise me that the teller did not know that the hold on my deposit would be extended. XXXX said she could go ahead and close my case because ( in her mind ) she resolved the issue. XXXX said she would send me a letter in writing explaining what we discussed. I asked XXXX, is there a possibility that the hold could be extended again, this had the nerve to say she did not know but probably not as long as the check is not returned. Over the past week, I have heard this ( as long as the check is not returned ) several times from BOA employees and I am livid. I called XXXX XXXX XXXX ( the company that issued me the check ) and I spoke to XXXX. I asked XXXX if this company had a history of issuing bad checks. XXXX said no, they have done business with BOA in the past and their business ( XXXX XXXX ) is a very large corporation and any hold placed on the check is strictly because of BOA, it has nothing to do with their company or the bank the check is drawn on because they are a reputable company and they bank with a reputable bank.

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 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ACCOUNTS INQUIRES Equifax XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX XXXX .... 
XXXX XXXXXXXX ( 3 ) XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXXXXXX ..... 
XXXX XXXX ( 2 ) XXXX XXXX XXXX ..... 
XXXX ( 1 XXXX XXXX XXXX ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX ( 1 ) XXXX XXXX XXXX XXXX ( 1 ) Factual Data XXXX XXXX ( 1 ) XXXX / XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( 1 ) XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account have now been not only placed on my Equifax but has now been placed on my XXXX and XXXX not all accounts appear on all 3 bureaus but these accounts are all affecting my credit, life and making it very hard for me to survive Several accounts have tried disputing with the bureaus and no action is being taking at all I am being told that they have been receiving payments on some of these accounts and I have not made any payments on accounts that do not belong to me! I have only tried calling the creditors to dispute the items and no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After visiting a furniture store on XX/XX/22 and becoming aware that Clarity Services exists I attempted to obtain a copy of my consumer report. They have refused to provide me with the consumer report unless I provide them with my entire identity, driver 's license, social security card and proof of residency via mail or fax. I find this to be highly unethical and negligent business practice as well as a violation of my right according to the FCRA. To send my entire identity would be irresponsible and negligent on my behalf. This is sensitive information being requested by a third party.

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 2022-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: IL

Complaint narrative:
This account is not mine. I am not responsible for this account. I never signed a contract with this account. This is a forgery! This account did not even provide any documentation proving that it is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: CA

Complaint narrative:
I CALL XXXX XXXX  BECAUSE A COLLECTION ACCOUNT SHOW ON MY REPORT SOMETHING IS NOT MY THIS COMPANY DON'T EXIST THE PHONE NUMBER DISCONNECTED, AND XXXX DON'T DELET THIS ACCOUNT. ACCOUNT # XXXX XXXX XXXX XXXX  ( MERCANTILE ADJMNT BUR XXXX XXXX XXXX XXXX # XXXX XXXX NY XXXX THIS COMPLY GO TO XXXX I ESPECK TO THE TO FIX THIS AND DONT CORRECT THIS FAKE ACCOUNT I DEMAND XXXX TO DELET THIS ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: CA

Complaint narrative:
Date of Transaction : XX/XX/2022 XXXX Amount {$480.00} Unauthorized transaction. Have contacted Coinbase account support and card services too many times to count since XX/XX/XXXX. I bought a plane ticket om XX/XX/XXXX with my Coinbase card and then requested a refund from the merchant the same day which was credited to my account XX/XX/XXXX for the amount {$480.00}. This charge and refund was reconciled and balanced my account on XX/XX/XXXX. However, nearly 2 months later, I noticed a charge in the amount of {$480.00} on my account on XX/XX/XXXX. I did not initiate this charge. I called the merchant ( XXXX XXXX ) to determine if they for some reason charged my account but their investigation determined not. I suspect this is an internal error on Coinbase 's system. I have been told on every instance of contacting Coinbase that an account specialist will review my case. Not a single time have I been contacted by an account specialist so no resolution has been given. I have every email thread regarding this issue and I know Coinbase screens and records all calls. I have provided screen shots related to the complaint and charges. Here are a list of Case numbers related to this issue ranging from XXXX XXXX to XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already attempted to not only resolve this issue with the company directly but through the XXXX  as well. It led to some communication but was poor communication on behalf of Coinbase as they have yet to resolve the issue and communicate promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
XXXX XXXX, XXXX i been trying to sell some my persome items.I had someone interested on ring i thought it was size XXXX and someone purchase it.But when i was checking size it was XXXX and i donot know how i advertise wrong size.So i login my account XXXX went to message told Buyer i had wrong size, i had XXXX  Refund full amount..XXXX  policy states i would not get charge any fees for issue refund.XXXX  is UnAuthorize to charge my Credit Card any fees.If i ever get paid any money XXXX automatically deposit in my account on file.If i owe XXXX any fees at end of Billing cycle i Manually pay XXXX. So XXXX gave full Refund to Buyer.XXXX  turned around Charge my Capitalone Credit Card {$47.00} for this transaction.i tried turning in to Capitalone but there system stops me from report Fraud, UnAuthorize charge No Permission.XXXX  think they can do what ever they want, they are the XXXX XXXX XXXX XXXXXXXX Company Cheats the poor, XXXX  iam over XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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 XXXX- I didn't give this company authorization to access my credit report for this reason. 

XXXX XXXXXXXX XXXX XXXXXXXX I didn't give this company authorization to access my credit report for this reason. 

XXXX I didn't give this company authorization to access my credit report for this reason. 

XXXX XXXX XXXX I didn't give this company authorization to access my credit report for this reason.

US DEPT OF EDUCATION- Still reporting after Paid Off XXXX  XXXX XXXX XXXX XXXX - Closed and still 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 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA violations : not my name XXXX XXXX FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$22000.00} Status Collection account. {$22.00} XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$19000.00} Status Account charged off. {$19000.00} written off. {$19000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Account charged off. $

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 2022-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: MS

Complaint narrative:
XX/XX/XXXX I went to XXXX XXXX XXXX XXXX to find a vehicle after i was in a wreck. Santander Consumer USA was the only lender to extended a loan at the time because my credit was still showing the totaled car. I expressed that the insurance company was paying the car off and i would not be owning XXXX cars. At the time my credit was not bad at all it was in the mid XXXX however Santander assessed an APR OF 19.28 % which is ridiculous. I didn't have to put any money down on the vehicle yet the interest rate was through the roof! Now XXXX i have experienced hardships of which i advised them of and they still refused to work with me. Even saying that i need to pay more than the current payment although I expressed to them that i am currently facing eviction! I have tried to work with them and pay them to prevent me from being homeless and without a car. They called me everyday after i told them i would pay them when my car note was due. At this point its harassment. I am being stressed out from the thought of a car being repossessed and rightfully so i feel as if i have paid the car off twice if not XXXX times!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: IL

Complaint narrative:
This isn't my account. This account does not belong to me. I never entered into any agreement with this account. This is a forged document! This account did not even provide any documents proving ownership.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -US DEPT ED XXXX  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 an 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 non-monetary relief
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -US DEPT ED XXXX 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 an 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 non-monetary relief
Consumer complaint received 2022-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
So I get an email from Coinbase tell me someone is trying to access my account from XXXX Texas different IP address please let us know if this is you I said no its not then they send an email to verify my ID so I did XXXXXXXX XXXX on the XXXX XX/XX/2022 while I was trading on my account at XXXX my tokens were starting to sell and purchase bitcoin I froze the account And I contacted coinbass and contacted Coinbase we went back-and-forth through emails and showed him how everything I got was from coinbase.com the lady said that they would get back to me as a try to solve this problem they never did so I got in contact with them all I hear sorry that this is happening I showed them proof that there was no third-party involved it was all through coinbase.com Three days later they completely shut my account down when I go to login now it says account do not exist at the time my account was worth {$68000.00}. 3 months ago the same account was {$680000.00} The market took Hit and I understand that Thats a coinbass To rob me out of my own account and pretend they dont know what theyre doing and whats going on I need my account back and my tokens so I can take them off this website and go somewhere thats secured since Coinbase is robbing their own Customers please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am an XXXX XXXX service member and have a XXXX and XXXX card with American Express. I previously sent a complaint on here that they were not honoring the Military Lending Act portion of the Service Members Civil Relief Act. After contacting the Consumer Financial Protection Bureau they correct the error with the XXXX card and return the fees and interest associated with it. I contacted them to do the same with the XXXX XXXX and they are giving me the same run around they did with the XXXX. I've messaged on their chat feature and spoken on the phone with the representatives and nothing has changed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Placement Services, LLC
State: IL

Complaint narrative:
This is not my account. This account is not my responsibility. I never agreed to anything with this account. This is a fake! This account did not even provide any documentation to prove that it is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FCRA violations : not my name XXXX XXXX FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$22000.00} XXXX XXXX account. {$22.00} XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$19000.00} Status Account charged off. {$19000.00} written off. {$19000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX negative Date opened XX/XX/XXXX XXXX {$1500.00} Status Account charged off. $

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