vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-09 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: FL

Complaint narrative:
I opened an account with coinbase to buy crypto coins and kept putting money in from my XXXX XXXX  and after a year in XXXX of 2021 my account was locked and i finally got a hold of coinbase on the phone and they say they locked my account someone had transfer my coins to there accounts but that is all they told me then they told me i had to prove it was me to get access to my account i did that many times and they continue to tell me to prove i proved with my license and other ids I had over {$4000.00} dollars in it in coins they stole and still to this day it is locked and they avoid me i reported to bbb they tried to contact the coinbase company but no luck so they told me to contact your office

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX  XXXX of inquiry XX/XX/XXXX XXXX XXXX-Date XXXX XXXX XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX our name ] Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I took action on XX/XX/22 to stop the transactions from XXXX XXXX and have them use a different account. I was charged XX/XX/22. The bank refused to reverse.

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 2022-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: IA

Complaint narrative:
Hi, CFPB - I'm hoping you can help me with an issue impacting me and many others in the XXXX XXXX XXXX XXXX program. 

I finished my XXXX XXXX XXXX, and have been fortunate to be awarded several post-graduate opportunities, including working as an XXXX  Fellow at the XXXX XXXX  XXXX XXXX ( XXXX  ). Recently I completed XXXX  months working in XXXX  as a sub-contractor for the XXXX XXXX XXXX. 

While XXXX  and XXXX  clearly would qualify as non-profit/government employers for the XXXX program, because I was in a Fellowship program for one, and a sub-contractor for the other, these XXXX years don't count towards XXXX, and are significantly setting me back on my debt-repayment timeline and progress. Can you help? 

I'm sure this issue is impacting thousands of other gradates as well and I would like to have the XXXX  program modified to include fellowships and sub-contractor positions. I did reach out to my state congressman 's office, but didn't receive follow-up action from them. 

I'm eager to fix this issue to help myself and many others and really appreciate your help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: CT

Complaint narrative:
I attempted to close out my Discover credit card account in XX/XX/XXXX and as I was reviewing the balance, the representative mentioned interest on a cash advance. Knowing I rarely make cash advances, I questioned it and after speaking with a second person I was told it would be reviewed and I would get a call back. I never did so I called again XX/XX/XXXX and was told that there were 2 cash advances for {$40.00} each XXXX in XX/XX/XXXX and 1 in XX/XX/XXXX and that the interest on them is $ 23.8 % and that none of my minimum payment was applied towards this and that it is their practice to apply the minimum payment towards the lower interest charges and only additional payments are applied to the cash advance purchases and if no additional payment is made then the cash advance just collects interest. 
I questioned how they can allow a customer to collect 23.8 % interest on {$40.00} for 7 years with no reduction and 23.8 % interest on another {$40.00} for almost 5 years with no reduction. The lady just apologized and said she would note my concern but what they can offer is 3 months of credit on the interest. 
I feel Discover is very misleading and the practice makes it difficult for people to pay down their debt especially not knowing this is how the payments get applied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XX/XX/2022 I am writing to dispute the following bankruptcy that is showing up as public records with XXXX, XXXX and Equifax who has been reporting incorrect information for XXXX years. 

I have enclosed a letter from the bankruptcy court stating they never reported a bankruptcy on my credit report at all. 
see attachment .... 

Please reinvestigate this matter and contact the national credit bureaus to have them delete [ or correct ] the disputed item ( XXXX ) as soon as possible. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XX/XX/2022 I am writing to dispute the following bankruptcy that is showing up as public records with XXXX, Experian and XXXX who has been reporting incorrect information for five years. 

I have enclosed a letter from the bankruptcy court stating they never reported a bankruptcy on my credit report at all. 
see attachment .... 

Please reinvestigate this matter and contact the national credit bureaus to have them delete [ or correct ] the disputed item ( XXXX ) as soon as possible. 

Sincerely, [ XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09 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: NJ

Complaint narrative:
I have received the response however you will not remove the XXXX collections account or and XXXX XXXX  the addresses associated with the accounts. I have provided you with the police report that my husband also provided you. His credit file has been updated with accounts deleted. My file still showing the collection accounts.

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 2022-02-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is to all credit bureaus and to whom it may concern and just to be clear XXXX Equifax and XXXX. 

I XXXX XXXX XXXX have been disputing by mail and somehow my dispute letters are being sent back. I don't know if I'm doing something wrong but I'm pretty sure my mail is being sent correctly. I do not want to use the CFPB as my shield to send a dispute letter. if I dispute directly from the website. They would not do a proper investigation. in Reference to my dispute. With XXXX XXXX that starting with # XXXX XXXX, I have done what XXXX XXXX. Wanted me to do create an identity theft report with the FTC. And just to inform credit bureaus I have every right to dispute any information that is inaccurate in my account. Also, I have the right to gather information. Such as. The original contract, payoff disclosure, interest rate disclosure, balance history, payment history, Credit Insurance. And if XXXX XXXX can provide the credit bureaus with this information I suggest deleting it. 

Sincerely yours : XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/XXXX I called XXXX XXXX to correct the account number on my XXXX XXXX as the account number they had was a closed account it had just been closed. I spoke with a rep who assured me everything was updated and my Schedule payment for XXXX would go through the new account and XXXX auto payment would come out of the correct account. This was never done they continued to try to make payments from the incorrect account. I called XXXX XXXX at least XXXX times about this issue. I even scheduled my own payments from the correct account since they did not seem to be able to remove the closed account. They then refunded the late fee they charged because it was their mistake and the next day without notice they closed my account and said it was because I tried to make a payment with a closed account. I never tried to make a payment with a closed account and called them over and over again with the correct account number for my payments. On XX/XX/XXXX I called for the XXXX time and I spoke with Supervisor XXXX who said they had to pull the call and if they hear that I was asking the account number to be changed they may reinstate my card. The card should have never been closed especially after I called them back every time they called me telling them they were using an incorrect account number and the continuously told me the account was update while they continued to try and take payments from a closed account.

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 2022-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I forgot to pay off a credit card. I travel a lot for work. I was in XXXX working for the XXXX and when I got home this company XXXX took my to court and levied a judgement against me. All of a sudded my paychecks were being garnished and I could not pay my bills. 

I hired an lawfirm to handle the case but it seems they are really not interested in it and just wasting my time. I tried to offer them a settlement and they wanted not only what was owed but a one time payment of {$3200.00}. Doing research I found this is a violation OF the FTC. according to the guidelines it says that I should be entitled to Damages. 

I would love to speak with someone about this. 

Thanks XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: KY

Complaint narrative:
Weltman and Weinburg and Reis company notified me regarding a loan that is in default that I did not apply for or sign for. On the paperwork, the social security number is wrong and not mine. The address used in the paperwork is my address from a different state back in XXXX. I didnt authorize this transaction nor did I know about it until I received a letter from the above ago.. I have documents showing that I did not live there and I contacted the XXXX XXXX sheriffs department and filed a fraud report, which in turn they notified the above Company. They also notified Weltman, Weinberg & Reis Com, LPA XXXX XXXX XXXX # XXXX, XXXX, Ohio, XXXX of identity fraud. On XX/XX/2022 I received another letter from the above company who recommended I file this report. I have called the XXXX Co sheriff to get a copy of the complaint. They will try and get one, but we where hit by an F4 Tornado which destroyed our XXXX House. XXXX at the Sheriff offices said they will try to get a copy of the report. XXXX XXXX call the above Company regarding the fraud. Also there are no signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST HORIZON BANK
State: NC

Complaint narrative:
On todays date, XX/XX/XXXX, our Visa debit card through First Horizon Bank, XXXX XXXX XXXX, XXXX, TN, with a branch on XXXX XXXX in XXXX, was declined XXXX  times while being used at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NC, and then again XXXX more times at the nearby XXXX on XXXX XXXX. This, despite the fact that there was plenty of money in the account. 

After the XXXX XXXX denial, we immediately called the branch in XXXX, which then transferred us to the XXXX number for First Horizon, and a person named XXXX in their fraud department first said the account had been flagged because of several purchases on XXXX earlier XXXX morning but then later said the problem lay in XXXX Teeters XXXX XXXX. He suggested we run the debit card again at the pharmacy, which we did, this time successfully. We told XXXX that we were using the card again in about an hour at XXXX and he said there will be no problem. 

Guess what? The same thing happened at XXXX, once again even though there were plenty of funds in the account. This time, though, the bank called XXXX immediately with a robo announcement to make sure we had made the latest purchases with our card. When I hit the prompts indicating the charges were correct, only then was the card accepted. 

We were so humiliated and embarrassed by these eventsat stores where we shop all the timethat we called First Horizon corporate when we got home, and spoke to XXXX and then her supervisor XXXX, the latter of whom was condescending and borderline XXXX. XXXX agreed to send us a new debit card through the mail, and indicated the problem was simply a chip malfunction on our existing card. But that would not explain the robo calls which stated it was a security/fraud problem. 

We appreciate First Horizons attempt at stricter security. However, we do not appreciate being shamed and embarrassed by a bank that has had a history in the XXXX years we have been customers of sloppy procedures and extremely poor customer service. Is this anyway to run a financial institution that has changed ownership several times recently and seems to be run on an extremely shaky foundation?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: AZ

Complaint narrative:
I HAVE VARIOUS ACCOUNTS THAT ARE NOT FACTUAL AND REPORTED IN ACCURATELY, I WANT THESE ADDRESSED ACCORDING TO THE LETTER ENCLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: MI

Complaint narrative:
XX/XX/2017, I placed an order with XXXX via XXXX ; leasing a new device, and establishing a line of service ending in XXXX. I was migrating my existing line and existing device from a company line to a personal line. I ended the company line. I was given a temporary line ( XXXX ) while they completed the migration of my existing line, and was told upon completion it would replace the temporary line. 

That did not happen. The customer service representative kept a second line open against my permission, Then made it look like I requested cancellation so Id be charged an Early Termination Fee. I contacted XXXX XX/XX/2017 and reported their error. I was then told I was responsible for the early termination fee. Of course I refused due to their misstep in transferring my service. They would not fix it. So I made a complaint to the Better Business Bureau. Complaint # XXXX. I spoke to XXXX several times via email about my complaint. He lied to BBB saying he never heard from me, which automatically closes the case and the account went to collections for {$440.00}. I. C. Systems, Inc then increased the charge to {$460.00}. Which is illegal. 

I have the emails of correspondence which I will attach. I would like this collection account deleted immediately from my XXXX credit report and never added again to any of my credit history with all three bureaus. The fact they did not own their mistake and then the collection agency taxing on more money is horrible. 

I have disputed several times over the years to no avail. I recently discovered CFPB so here I am making this complaint.

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 2022-02-09 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: GA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION
State: PA

Complaint narrative:
I went and filled out a background check at XXXX XXXX on the XXXX XXXX in XXXX, Pa on XX/XX/XXXX and received my report that had an address in XXXX, Pa and Ive never lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: TN

Complaint narrative:
We received the last real update on our loan modification review on XXXX. That update was a list of needed documents. We sent all requested documents on XXXX and then on XXXX. On XXXX, we spoke with XXXX and she confirmed that the documents were received and were pending review. We then spoke with someone XXXX, XXXX, XXXX, XXXX and twice on XXXX. Each follow up call, we requested for the file to be escalated to get an update. Each rep that we spoke with stated that there were no notes in the system regarding the review since XXXX. There is now a sale date for the property on XXXX. We need a response ASAP. The loss mitigation department that this lender uses is XXXX that several other mortgage servicers use. They are absolutely terrible. This issue is XXXX that is common across the board when it comes to assistance reviews. They take months and months to provide updates. They ask for documents that do not apply and that fact is clearly already shown on the documents already submitted. There are nothing but complaints for that loss mitigation company. Please get this resolved for us before the house sells!

Company response to consumer: Closed with explanation