vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit score dropped XXXX points from one report to the next with no unusual changes on the credit report. I have been trying to get in touch with a representative at Experian for a week just to get an explanation and have been given absolutely no assistance. Any time I am able to reach a representative they put me on hold and immediately transfer me to their automated system, but none of the automated results fit my situation. I have begged representatives to help me or transfer me to a person who can and they have said " of course, please hold '' and then transferred me to the automated system. I feel like I am losing my mind, I just need to get in touch with a representative to make sure that there is no fraud on my account or that it was not a mistake.

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 2022-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
My loan was set up without an escrow account for taxes. I pay my taxes ON TIME every quarter myself. Two times now PHH has sent money to the tax collector from a non-existent escrow account and then sends letters that I need to reimburse them or face default. My tax payment has never been paid late by me and trying to resolve this issue is impossible. I have called multiple times with no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am XXXX XXXX XXXX, XXXX XXXX, Suntrust Bank is transition to change to Truist Bank, they promised to send my debit card from 21 ago and I never received, just I habilitation my old Suntrust Bank via email enroll to continuos performer to withdraw or deposit, collect my money via the digital transaction in XXXX app, Today Saturday XXXX at XXXX pm, I call to this bank to order a claim my ATM card, just I never received, this representer person order a new card, and he says ok listen right know your ATM card it doesn't work, so do you have open one Truist Bank close to your home, go before to XXXX PM will be closed and take and another card, he says thank you so much and bye. 
Just I go running to this Trust Bank, and I see a big surprise, the bank is closed every Saturday. Please help me. this is not the correct action please protect to all people who have accounts in this new Truist Bank. I don't have the freedom to withdraw or deposit any transaction 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 explanation
Consumer complaint received 2022-03-13 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$2200.00}, {$1500.00}, {$39000.00}, {$870.00}, {$1500.00}, {$860.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

XXXX. XXXX XXXX BANK XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2200.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 









-- XXXX XXXX XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$39000.00} -This is not my account. 



-- OTHER ACCOUNTS XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$870.00} -This is not my account. 



-- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1500.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$860.00} -This is not my account. 


I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, CFPB and Police 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 2022-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: TN

Complaint narrative:
I received a debt collection letter in XXXX of XXXX about a XXXX debt of {$3300.00}. This was a result of identity theft. I contacted XXXX, they investigated and said I was not liable for this debt. I filed a police report as well. On XX/XX/XXXX I received another debt collection letter from MRS BPO , LLC for a XXXX debt in the amount of {$3300.00}. The debt listed was from XX/XX/XXXX. I believe MRS BPO is trying to collect the same debt that was resolved with XXXX last year.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-13 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: CA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report.

Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX, I submitted a dispute request to Equifax about a debt that was already paid off on XXXX, but it wasn't removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
Hello, on XX/XX/12 I called MR Cooper to inquire about a check I received from them in the amount of XXXX. While the agent reviewed the information and etc. ( MR XXXXXXXX XXXX ) noticed that I have a PMI on my account so he assured me he HAS THE AUTHORITY to remove that mortgage insurance, I was so happy to hear that only to find out that it was all XXXX at the end ; he has not any AUTHORITY, he was only just trying to sell me another refinance for my actual mortgages which Im happy with, and he also never told me that was he was doing until the end whe he send the documents to my email. I never asked for that and didnt even call MR Cooper for that reason ; his actions cost me a bunch of points down on my credit since part of the process was to run our credit reports ( me and my wife ) thinking he was someone with the AUTHORITY TO REMOVE THAT PMI from my mortgages. Because of this bad, fraudulent and false practice, Im filling this complaint. I send file a complaint about this with Mr Cooper but they have done anything so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian has continued to report several negative account information on my credit report past the statute of limitations. I tried to resolve this before and their response was the investigation stands and the customer disagrees with the outcome. 

Experian knowingly, consistently and willfully reported outdated negative information which has caused harm to this consumer. Calling Experian was useless and uneventful and resolved nothing.

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 2022-03-13 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$2200.00}, {$1500.00}, {$39000.00}, {$870.00}, {$1500.00}, {$860.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

XXXX. XXXX XXXX BANK XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2200.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 









-- XXXX XXXX XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$39000.00} -This is not my account. 



-- OTHER ACCOUNTS XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$870.00} -This is not my account. 



-- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1500.00} -This is not my account. 

XXXX. FAIR XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$860.00} -This is not my account. 


I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, CFPB and Police Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XXXX XXXX2022 I made several large deposits to Coinbase from a personal account of mine. I had XXXX as CASH assets in my account. I purchased crypto currency, a few days later Coinbase took my assets. I want my initial investment returned, or up to the amount they are FDIC insured for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint.

I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

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 2022-03-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXXk XXXX XXXX, City of XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I hav

e been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

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 2022-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
was late on 2 payments right before hurricane Harvey hit in 2017 i contacted santander the 2 weeks before and did i promise to pay and two days later, my car was gone .... never returned my calls and refused to let me get my personal belongings out the car ... {$12000.00} owed on the car

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I received a debt collection letter in XXXX of XXXX about a PayPal debt of {$3300.00}. This was a result of identity theft. I contacted PayPal, they investigated and said I was not liable for this debt. I filed a police report as well. On XX/XX/XXXX I received another debt collection letter from XXXX XXXX XXXX XXXX for a PayPal debt in the amount of {$3300.00}. The debt listed was from XX/XX/XXXX. I believe XXXX XXXX is trying to collect the same debt that was resolved with PayPal last year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA

Complaint narrative:
I went into Forbearance with VHDA in XX/XX/2022. Was granted money through relief organizations that never reflected on the amount owed. Then when I was out of forbearance was told I qualified for a Virginia housing relief grant of XXXX XXXXk but I owed $ XXXX and needed to bring the balance down to $ XXXX to be able to receive the grant to pay what I owed. I ended up having to do a loan modification and sign papers saying that I owe them all kinds of money and I have no idea at this point. It restarted my loan for 30 more years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Navy Federal Credit Union at XXXX XXXX XXXX XXXX VA XXXX has Been sending me collection notices in the amount XXXX .the collection has be reported as pasted due balance. I do not know this company .I have never done any business with this business with this company .this company does not have a contact with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: FL

Complaint narrative:
On XX/XX/2022 I 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. According to the XXXX 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: SC

Complaint narrative:
I had a all rights reserved from XXXX XXXX and someone stole it from a XXXX or chime banking account took so long to respond bc I've been a victim of XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX SC this happen 2018 plz help also account ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: GA

Complaint narrative:
I am a victim of some sort of ID attempted theft. I researched how to file a proper dispute. I followed the FCRA and the CFPB guidelines on what information is needed to file the dispute. I filed a dispute with Transunion on XX/XX/XXXX. I received a letter dated XX/XX/XXXX plus days from the receipt of my letter. The letter read that they didn't believe I was me!! Now according to the FCRA and Philbin V. Transunion , LLC, 101 F.3d957, 961 ( 3rd Cir.1996 ) A Plaintiff must prove ( 1 ) an inaccuracy ( 2 ) failure to follow reasonable procedures ; an injury and ( 4 ) the injury was caused by the inaccuracy, " A CRA responding to a dispute must make a good faith effort to determine the accuracy of the disputed item or items. In other cases, the CRA must conduct a reasonable investigation that, at a minimum, would include checking with the original sources '' This is from a FTC staff report XX/XX/XXXX page 76. I enclosed in my dispute a copy of my drivers licence which has my true address, a copy of my social security card as well as a copy of the FTC file that I was advised to fill out by the FCRA and the CFPB. If the Bureaus aren't going to investigate and can simply say we dont believe you are you then what is the point of consumer protection? If Transunion can never afford me the true investigative latitude thats afforded to me by the consumer protection act what then does a consumer do?

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 2022-03-13 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I tried to access my transunion file to unfreeze my credit and its not allowing me it say unavailable. I am not getting any help from representatives

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