vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I contact this bank again in order to obtain a settlement plan since I'm going through some financial issues and I'm not able to keep paying the minimum monthly and facing high interest charges every month. 

The representative informed me that there is no settlement plan to assist customers on liquidating the account balance, that the only way that could happen is when you stop pay and they send you to collection, again no respect for its customers, they rather damage your credit than offering you a payment plan. 

I wonder if this is even legal, so basically, they tell you, you either keeping paying whatever and we will add more interest to your account, and it will become a snowball by the time you can actually pay off or go to collection, which both options can affect your credit score negatively. 

I'm going through some financial issues, I'm a single mother and my income has lower in XXXX, which is making very hard to pay in full, paying on monthly bases as I have done the minimum is still generating interest rates every month as high as 29.9 %. 

I called and asked if they would have a payment plan and they said that the only way that could happen is when they send my account to collection which it can take several months, meanwhile they keep ruining my credit. 

They have reduced my limit in XXXX ( they do that every year! ), then they increased again and finally they decrease to the total amount of my balance, I have two cards with them, and they did this on both cards, is being damaging my credit score, I need to move house sooner and so far, I have not been approved because of that!

I work hard to pay my bills on time and if you look my credit score my payment is excellent for that reason.

Can Amex simply treat customers so unfairly? Are they like Credit Cards God though? At least is what it looks like. Frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have disputed the information for the referenced account, with both the furnisher of information directly. I have exhausted all recourse provided for resolution of erroneous information, but the information still remains on my consumer report. 
I am not asking for an investigation to be done, I am requesting that the entry be deleted in its entirety as there is no proof of its existence and the information presently reported is not verifiable. Under the XXXX XXXX XXXXXXXX reporting time limit and the Fair Credit Reporting Act, under Section 625 of the FCRA, and the XXXX XXXX XXXX XXXX ( A ) ( 1 ) - ( 2 ), ( f ) ( 1 ) ( i ) ( ii ) - ( vii ) chapter 1 to 90, this laws specified by section 's : -Section ( iii ) paid tax lien, Judgments which been paid, satisfied or vacated tax lien involving a purchaser, transferee or assignee, tax notice or from state tax commission who's liability has been wholly paid or satisfied or no longer exists, should be deleted in the report within 30 days.-Section ( iv ) any accounts placed for collection or charged to profit and loss or Charge off / paid in full charge off account should be remove / delete, or not reported for more that 5 years on credit once charge off or once the account it's paid should be remove within 30 days.

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 2024-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I requested that M & T Bank designate a trust as beneficiary of personal checking and savings accounts. The reason for this is because the only living beneficiary is XXXX XXXX  and can not receive the inheritance outright. M & T stated that they can not name any trust the beneficiary of a checking or savings account. This would force the XXXX XXXX beneficiary to lose benefits and/or navigate the probate process. 1 Pa.C.S. 1991 specifically identifies a trust under the definition of a person. The Pennsylvania Banking Statute Title 7 6102 does not specifically mention trusts but does state, " any other group of individuals, however organized. '' A trust is nothing more than a group of individuals ( Grantor, Trustee, Beneficiary ) organized by written trust agreement. Additional concerns for not being able to name a trust as a beneficiary are for single parents of XXXX XXXX. An inheritance left to XXXX XXXX would be managed by their surviving biological parent which may or may not be in their best interest and likely not the wishes of the decedent. M & T 's policy puts their clients and their loved ones in a position to be greatly harmed.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There has been three opened student loans or student federal loans in my name fraudulently and I have NEVER been to college or received any money through a student agency I have been trying to dispute and it keeps coming back as accurate I will give any proof needed I just need this off my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX/COMENITY/MYPOINTSRWD Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting 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:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX 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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
In XX/XX/XXXX, I received notification from XXXX XXXX that there were three collections accounts added to my credit. They were as follows : Opened XX/XX/XXXX by Transworld Systems ( original creditor : XXXX XXXX XXXX ) for {$550.00} Opened XX/XX/XXXX by Transworld Systems ( original creditor : XXXX XXXX XXXX ) for {$960.00} Opened XX/XX/XXXX by Transworld Systems ( original creditor : XXXX XXXX XXXX ) for {$1000.00} I have never had an account with either Transworld Systems or XXXX XXXX XXXX. I have never heard of either of the companies prior to XXXX XXXX 's notification. 

I disputed these collections accounts with both XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
I was contacted by this company about 3 allegedly unpaid medical bills. I spoke to them a multitude of times over several months requesting debt validation and they never responded to my requests in writing or by email. 
As time wore on, my insurance company discovered the medical bills were fraudulent. When I notified the collection company of this they still refused to provide any debt validation documents and discharged the debt back to the Dr office. 

While that may be a plus, they still broke FDCPA laws multiple times and were happily attempting to collect a debt that was fraudulent without listening to my well documented concerns about it for months

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has decide to leave delinquent on my credit report after filing XXXX XXXX XX/XX/2024 and it already discharged needs to reflect a XXXX balance and no $ $ amount due

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Has decide to leave delinquent on my credit report after filing XXXX XXXX XX/XX/2024 and it already discharged needs to reflect a XXXX balance and no $ $ amount due

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 2024-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
I had a water damage in my townhome and filed a claim with my home owner insurance company XXXXXXXX 2022. After some inspections from the adjuster the insurance company sent to evaluate the damage when the claim was first filed in 2022 and after damage was partially fixed using my own funds, in the beginning of 2024, the insurance company awarded me money to compensate for the damage. Checks were made in XXXX installments, the first check with smaller amount ( {$590.00}, after the deductible ) was issued at the filing of the claim, in 2022, for immediate remediation, the XXXX checks, totaling about {$8000.00} were issued in XXXX, 2024. The checks were make to both me, the homeowner, and AXOS bank, the mortgage company that holds a lien on my townhome. I mailed the checks to AXOS for endorsement on XX/XX/XXXX. Their Portfolio Management company requested a slew of information, including the claim details, adjuster 's estimate, payment breakdown, signed affidavit, my home insurance policy, my HOA insurance policy ( even though the HOA insurance did not get involved with the damage that happened within the walls of my unit and were not part of this claim ). My checks have not been indorsed as of yet, I can not reach anyone at XXXX at AXOS to follow up, and don't have the funds to finish repairing the bathroom damage in my home. AXOS sends me emails stated they need more information and directing me to their message box in my online account, which does not state what information they need. My repeated replies through the online messaging gets no response. This situation is causing me XXXX XXXXl and emotion stress and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : 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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX, and Equifax keeps reporting this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting 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:
Regarding inquiries, please see attachment below. Kindly remove all inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX DATE : XX/XX/2023 XXXX XXXX || DATE XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX || DATE : XX/XX/2023 XXXX XXXX XXXX XXXX DATE : XX/XX/2023 XXXX XXXX || DATE : XX/XX/2023

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 2024-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
Coinbase has restricted my account, meaning I have no ability to buy, sell, transfer, deposit, or withdraw and funds or crypto asssets.

I have been given no reason for the restriction and have tried and failed for 2 weeks to receive a reason, have the restriction removed, or get in touch with a human being.

Their customer service is entirely automated and ineffectual and it is impossible to reach a human being. 

Their text chat starts as an AI and then disconnects you after 2 hours of waiting for a human being.

Their phone line does the same thing.

After paying for Coinbase One, their advanced feature subscription that offers 24/7 priority human phone support, I learned it is literally just a script to get the normal phone line to CALL YOU, and then dumps you into the same automated phone line that disconnect after a few hours of reaching no one. It is not a 24/7 human support service and it is not priority.

Coinbase One is blatantly false advertising of a paid service. It blatantly lies about what it gives you. 

I have no ability to do anything with XXXX XXXX XXXX of dollars of my own money, received no reason for it, and can not resolve it because of false advertising and customer service that very clearly is negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
I used my XXXX XXXX credit card ( Concora Credit ) back in XX/XX/2023 to get a watch. I got a letter in the mail a month later asking to verify my identity which I did. I sent them, in certified mail, my Colorado state drivers license. They got my ID but still shut down my account without second notice, I guess saying that my legal ID was not sufficient. There was no fraud, I provided exactly what they asked for, yet they still closed my account.

Company response to consumer: Closed with non-monetary relief