vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-25 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: CA

Complaint narrative:
Account name XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$9.00}, XXXX written off. {$9.00}, XXXX past due as of XX/XX/XXXX Status updated XX/XX/XXXX Balance {$9600.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$650.00} Original balance {$12000.00} Highest balance {$0.00} Terms 42 Months On record until XX/XX/XXXX ( IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT 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.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open consumer credit plan as late for any reason.

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 2022-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX is reporting a collection debt from I.C. SYSTEM, INC for about 3 months now. This collection comes from XXXX with an amount of {$990.00}. The contract with XXXX was canceled in the same day and returned all equipment in the store. I also received the refund in my bank account for the paid but not used equipment. I.C. SYSTEM, INC is reporting XXXX opened : XXXX Status Date : XX/XX/XXXX Balance Updated XXXX ( every month they're updating the balance ( they never contacted me at all yet ) Also this collection debt was sold from XXXX to XXXX XXXX XXXX, the account was disputed via XXXX XXXX and deleted on XX/XX/XXXX ( see attached documents ). After deletion, AFNI ( another credit company ) bought the account and started reporting on early XXXX. I reported it again and the account was deleted on XX/XX/XXXX ( see attached documents ) Now again the account was sold to I.C. SYSTEM that are using fake dates to lift the impact on my credit score.

A few days after I.C. SYSTEM reported it for the first time, I reached via phone to dispute it again. Disputed more than 2 months ago. Since then, I'm trying to reach XXXX to follow up on the dispute and I can't get any person to talk with and nothing has been changed.

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 2022-03-25 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: FL

Complaint narrative:
I tried getting this issue resolve directly with XXXX, XXXX has failed to investigate this issue or remove those accounts i am a victim of identity theft i have submitted a FTC report and proof of my identity

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 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I tried getting this issue resolve directly with XXXX, XXXX has failed to investigate this issue or remove those accounts i am a victim of identity theft i have submitted a FTC report and proof of my identity

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 2022-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Makower Abbate Guerra Wegner Vollmer PLLC
State: MI

Complaint narrative:
At the closing for my condo, I paid all fees due at that time. However, there was a status letter from XXXXXXXX XXXX that was not included in the settlement statement. I was not aware of this, paying all fees I knew to be owed in good faith. At a date after the closing, I was made aware of the assessments that were in the status letter and not included with the fees due at closing. Agents of Capital Title and XXXX XXXX of Makower Abbate Guerra Wegner Vollmer PLLC both acknowledge that these fees were not presented at closing. Michigan XXXX XXXX XXXX of XX/XX/XXXX ( XXXX XXXX ) does not allow fees missed at closing to be collected after. However, these fees were sent to collections ( XXXX  ) and that agency has steadily tacked on their fees as well and have filed a Notice of Lien against my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: CA

Complaint narrative:
My name is XXXX XXXX and somebody has stollen my identity.

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 2022-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I got a copy of my credit report on XX/XX/2022 because I want to refinance my house. My credit report showed that I had 1 medical collection reporting.

I called the collection agency Medical Data Systems collection agency listed on my credit report. I was informed that they had 2 medical debts of mine from 2 different creditors. There was only 1 debt showing up on my credit report. I asked if they would delete the account that is being reported from my credit report if I agreed to pay the {$290.00} in full. They refused. Since they did not own the debt, I sent a demand letter to return the debt to the original creditor. I then paid that debt to the original creditor.

The second debt that Medical Data Systems held that was not reporting to the credit bureaus was for {$49.00} and I agreed to pay it by money order ( attached ). I sent the payment in the mail the following day on XX/XX/2022. 
I got an updated credit report on XX/XX/2022. The credit report shows that Medical Data Systems is reporting a debt of {$62.00} as unpaid. 
This collection account was not on my credit report on XX/XX/2022. I feel that they reported that account as retaliation for demanding the larger debt to be returned to the original creditor. 
The amount of the debt that is being reported is incorrect. 
The account balance is being reported is incorrect. 
I want the account removed from my credit report since it 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 explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I purchased XXXX worth of Tether on the Coinbase app. 
I then had Coinbase to wire the Tether to a trading platform : XXXX  XXXX On XX/XX/XXXX, I learned that the website was a fake trading platform. Very sophisticated, but fake. I had done previous trades and money wires the week of XX/XX/XXXX from this very same platform/website, so I thought the trading website was legit. 

After wanting to withdraw my money from the platform is when they showed it was a scam. They would not release my initial deposit. 

I contacted Coinbase, this was the response : they knew who the money went to and had the blockchain information. They said I should always know who I'm sending my money to and that they could not help me get my money back. 

Signing up with Coinbase, I did not know that I would be able to send my tether or bitcoin to a fraudulent person or company. I felt protected and did not know fake companies could sign up to do business with Coinbase. As a consumer and customer of Coinbase that is based in the US I had no doubt that they would not protect my virtual currency. They are the experts not me, I had no idea anyone could claim to be a trading website and receive monetary transfers from legitimate companies like Coinbase. Coinbase is assisting with money laundering scams and fraud. 

Now the trading site has been taken down. None of my money has been returned. 
I have contacted government agencies and no one has responded with any helpful plan of action. Its very unfair and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
On XXXX XX/XX/2022 I sent the pay off final payment of {$2500.00} from my XXXX  XXXX XXXX checking Account to Bridgecrest Credit after almost 6 years of excellent record of monthly payments. I forgot to cancel my automatic payments to Bridgecrest so an extra payment of {$430.00} was sent from my account to Bridgecrest on XXXX XX/XX/2022. 
Since them i have called Bridgecrest several times ( More than 6 times ), XXXX, XXXX are some of the names they gave me as representatives. I have sent several emails to two different departments regarding this matter and asking Bridgecrest to refund my money back, because that money was sent by mistake and do not belong to them There is no answer from Bridgecrest, they still holding my money and i dont see any intention of good will from their side to return the money, i feel robbed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal clsed my account without giving me any reason whatsoever as t why the closed my account i tried to appeal but learned that the permanet limitation is not reviewed by paypal staff My funds were also loced such that i am unable to get my locked funds back this is very unprofffesiona and i would like it to be reviewed and most importantly get back my blood, sweat and tears.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: CT

Complaint narrative:
XXXX maliciously reported my payment history for XX/XX/2022. The payment was due on XX/XX/2022. I requested for an extension and was granted on XX/XX/2022. I was told I had 10 days to sign this extension and make the payment. I chose to pay and sign the agreement on the same day XX/XX/2022. I received confirmation from XXXX on the executed agreement and payment receipt on XX/XX/2022. A few days later I was notified from my credit monitoring services, XXXX reported I didn't make payment so they added a 30 day marker for XX/XX/2022. I spoke with their representative on XX/XX/2022 and file a complaint and investigation into this error. On XX/XX/2022, I was advise they don't care whether it was less than 30 days late or not. As long as it is close to 30 days late, they can add the 30 day marker. I expressed repeatedly it was not a full 30 days because XX/XX/2022 is not a full 30 days. XX/XX/2022 was actually 28 days. They were suppose to wait till XX/XX/2022 to see if I was 30 days late. 

This malicious action has cost me Big and is affecting my livelihood. I need to be able to work in order to make my payments. My score dropped about 50 points. I worked so hard to maintain good credit and in one shot XXXX destroyed ME! 

Please help, they can't violate me and get away with it.

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 2022-03-25 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: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX maliciously reported my payment history for XX/XX/2022. The payment was due on XX/XX/2022. I requested for an extension and was granted on XX/XX/2022. I was told I had 10 days to sign this extension and make the payment. I chose to pay and sign the agreement on the same day XX/XX/2022. I received confirmation from XXXX on the executed agreement and payment receipt on XX/XX/2022. A few days later I was notified from my credit monitoring services, XXXX  reported I didn't make payment so they added a 30 day marker for XX/XX/2022. I spoke with their representative on XX/XX/2022 and file a complaint and investigation into this error. On XX/XX/2022, I was advise they don't care whether it was less than 30 days late or not. As long as it is close to 30 days late, they can add the 30 day marker. I expressed repeatedly it was not a full 30 days because XX/XX/2022 is not a full 30 days. XX/XX/2022 was actually 28 days. They were suppose to wait till XX/XX/2022 to see if I was 30 days late. 

This malicious action has cost me Big and is affecting my livelihood. I need to be able to work in order to make my payments. My score dropped about 50 points. I worked so hard to maintain good credit and in one shot XXXX destroyed ME! 

Please help, they can't violate me and get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: CT

Complaint narrative:
XXXX maliciously reported my payment history for XX/XX/2022. The payment was due on XX/XX/2022. I requested for an extension and was granted on XX/XX/2022. I was told I had 10 days to sign this extension and make the payment. I chose to pay and sign the agreement on the same day XX/XX/2022. I received confirmation from XXXX on the executed agreement and payment receipt on XX/XX/2022. A few days later I was notified from my credit monitoring services, Ally reported I didn't make payment so they added a 30 day marker for XX/XX/2022. I spoke with their representative on XX/XX/2022 and file a complaint and investigation into this error. On XX/XX/2022, I was advise they don't care whether it was less than 30 days late or not. As long as it is close to 30 days late, they can add the 30 day marker. I expressed repeatedly it was not a full 30 days because XX/XX/2022 is not a full 30 days. XX/XX/2022 was actually 28 days. They were suppose to wait till XX/XX/2022 to see if I was 30 days late. 

This malicious action has cost me Big and is affecting my livelihood. I need to be able to work in order to make my payments. My score dropped about XXXX points. I worked so hard to maintain good credit and in one shot XXXX destroyed XXXX! 

Please help, they can't violate me and get away with it.

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 2022-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase , Inc . 

In a response to my prior CFPB complaint # XXXX, you stated, " In relation to your specific question about why cryptocurrency sends were not delayed 48 hours after a password reset was initiated from an unknown device, this was not a feature offered by Coinbase at the time of the alleged unauthorized activity on your account. During the time in question, a password reset was delayed by 24 hours on your account, once the 24 hours had elapsed, the alleged unauthorized third party was able to proceed with the password reset using your compromised email address. '' This is false. Below is the timeline of the actions and theft of my funds : Unauthorized Coinbase Password Reset Time : Same Minute at XXXX The correct information of Coinbase password request and password completion is as follows : IP address XXXX password REQUEST on XX/XX/2021 XXXX IP address XXXX password COMPLETE on XX/XX/2021 XXXX This password completion was performed and successful with the SAME MINUTE and not the 24 hour time elapsed, you claim. 

Verified Second Factor Time : Same Minute @ XXXX ( See document attachment ) New device Completed. 
Confirmation completed Time : Same minute @ XXXX Unauthorized Transfer of BTC Time : XXXX ( XXXX minutes after Coinbase password reset ) Unauthorized Transfer of ETH Time : XXXX ( XXXX minutes after Coinbase password reset ) Attached on this complaint are the screenshots on your network involving my account. 
Includes the timestamps of Requested Password reset, Password Reset completion, Verified second factor, New device Completion. 

Also, the 48 hour security hold time of funds-sends was and is a feature.

Next, I immediately took precautions and froze my account. I received a confirmation email from Coinbase On XX/XX/2021 at XXXX pm and another on XX/XX/2021 XXXX that shows I FROZE MY Coinbase account. The 2 screenshots are provided on this complaint and are attached.

Time : Confirmation is less than 10 hours of password change. My action is less than confirmation email.

YOUR SECURITY FEATURE of 24 hour password delay that you claim had elapsed on my account is incorrect.

IF YOU ENFORCED YOUR SECURITY FEATURES you promote, publish, I would have my funds.

What you are doing, and what you've done is classic fraud.

At this point you are fabricating the timing and events that took place on my account to attempt to have no responsibility and blame it on a phone carrier.

I continue to submit all facts on this case, including this deception to the Attorney Generals Office of California, as well as the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2022 I mailed a letter to TransUnion and XXXX informing them of the incorrect information they are report on my consumer report. The name and address do not belong to me. I have attached my Driver license which have my correct spelling of my name and also my current address.

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 2022-03-25 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: TN

Complaint narrative:
Please contact the Bureaus because I've sent them a letter letting them know these inquiries need to be removed. Due to their noncompliance it has brought me to contacting your company. Please see attachment

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 2022-03-25 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: TN

Complaint narrative:
Please contact the Bureaus because I've sent them a letter letting them know these inquiries need to be removed. Due to their noncompliance it has brought me to contacting your company. Please see attachment

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 2022-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company
State: CO

Complaint narrative:
In the summer of 2021 I began seeking properties to purchase with XXXX, XXXX XXXX. With XXXX 's help, was able to find a suitable property and began the purchase process to include spending {$250.00} on a property inspection. Sadly, another bidder secured the property and it was sold to them. Luckily another property became available and once again started the purchase process to include another {$250.00} inspection using the same inspector. 

Throughout this time, I worked with Mortgage lender, XXXX XXXX who worked at Guild Mortgage in XXXX, Colorado. I was assured by the time I had requested the first {$250.00} inspection on the first property that I was pre-approved and just had gather documents, provide XXXX money, etc. I provided XXXX in the amount of {$2000.00} certified funds for both properties we had settled on. 

I believed whole-heartedly that I had finally, at age XXXX, been able to become a homowner only to find out from XXXX XXXX XXXX XX/XX/2021 that he had submitted my loan for underwriting and they had declined my application for the following reason : That during the Covid-19 pandemic, I was unemployed for 6 months plus 21 days and that was not acceptable to the lender for some reason. 

My complaint surrounds the fact that I was assured I was approved LONG before I spent {$500.00} on property inspections. 

Furthermore, it was a pandemic and many people were out of work much longer than 6 months and feel I am being singled out in this manner. There must be some caveat surrounding that 6 month rule pertaining to the pandemic and I request a review of my application and file with Guild Mortgage. 

Thank you.

Company response to consumer: Closed with explanation