vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
My complaint is for MR Cooper. I originally applied for the modification on XX/XX/XXXX I received a notice on XX/XX/XXXX that i was missing documents I sent the missing docs on XX/XX/XXXX and on XXXX I received the complete acknowledgement letter stating that my package was deemed complete and they were going to evaluate in 30 days. They then told me ( never received a letter ) on XXXX that I was missing a document I provided the document and Mr Cooper XXXX acknowledge the doc until 20 days letter and that was only because I told them I was going to file a complaint with the cfpb they proceeded to send another complete acknowledgement letter deeming my application complete on XX/XX/XXXX I guess that was to cover themselves because BY LAW they have 30 days to evaluate once the documents are received I was XXXX payment past due when I originally applied and I am now XXXX payments behind my plan is to reach out to my stte attorney general with these letters because they have exceeded the timefram with my request please see attachmennts as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Its a Experian a joint account my part was taken care off its my ex husband but it got charge off/written off XXXX $ XXXX Fed XXXX XXXX XXXX Its shows more than XXXX and the other shows clear also not on the othe creditXXXX XXXX XXXX then XXXX Bank acct XXXX written off was forgiven the acct also XXXX Fed XXXX XXXX acct XXXX XXXX $ written off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Account Number XXXX XXXX XXXX {$4400.00} POSTED ON XX/XX/2021 CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT 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 2023-08-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Account Number XXXX XXXXXXXX XXXX {$4400.00} POSTED ON XX/XX/2021 CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT 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 2023-08-09 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: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC
State: ME

Complaint narrative:
In XX/XX/2023 I borrowed {$250.00} from the lender to which {$84.00} was to be debited from my checking account in 4 installments beginning in XXXX to repay the loan and interest. 

An additional {$84.00} was debited from my checking account in XXXX. 

Upon learning about the XXXX withdrawl, I contacted the lender about this. I was informed by the lender I agreed to 12 monthly payments. 

There is no way I would ever agree to a ridiculous deal like this. 

I could use your help, please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Money from my stepson account XXXX XXXX XXXX was removed and alledgely transferred to my account but no transfer was ever received. 
The money that was originally sent to XXXX XXXX in the amount {$3000.00}, XXXX XXXX {$3000.00} and XXXX XXXX XXXX my step son {$4500.00} member to member transfers were authorized XX/XX/XXXX. After bank account was unfrozen we had cashiers check to close checking account. We didnt want any big money inside Navy Federal . The only readon we agreed to have monies from their accounts to be sent back to my account so I can send back to them. I dont understand why those funds needed to XXXX sent back to my account. We're currently under litigation concerning the auto loan that was lost due to Navy Federal freezing my bank account. None of those funds should be used for any debt we're currently in litigation. We paid XXXX XXXX his XXXX in person so the new member to member transfers are to XXXX XXXX in the amount of {$3000.00} and to my step son {$7500.00}. Those funds no longer belong to me and we were forced to receive them when I didnt understand why they just didnt unfreeze funds and live them with the recipients. I'm starting believe because I'm in prison my fudiciary Navy Federal just dont care about my requests. I been fighting since XX/XX/XXXX. Please help me. These complaints will help you understand plus this long recording. 
CFPB previous complaints XXXX XXXX XXXX audio from XX/XX/XXXX XXXX XXXX XXXX attached is the proof of the money being taken out of XXXX XXXX account & XXXX XXXX XXXX XXXX but no alerts were sent to my email stating the money was received. XXXX money was taken XX/XX/XXXX but where did it go? XXXX XXXX was taken XX/XX/XXXX but whete did it go? I emailed a request to have funds transferred but not sure they were actually sent to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Have never had credit with or an account with agency. illegal 3rd party reporting inaccurate financial information damaging / defamation of character with intents to harm credit score an decreasing chances of obtaining new creditor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd

Complaint narrative:
On Monday, XX/XX/XXXX at XXXXXXXX XXXX ( XXXX time ), my account was hacked. The associated email was changed, and XXXX euros were transferred from my account to another account within the same institution. Around noon of the same day, I received an email about an attempted login to my account. In the afternoon, I started receiving several notifications from the application. When I tried to log in to see what was happening, I couldn't access my account anymore. I attempted to recover the email by sending my photo with the requested document, but the verification was rejected. I tried this twice, and both times were rejected. Later, I received an email confirming the email change, and a few minutes later, I received a notification about the completed transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Ive filed a complaint with Capital One for my checking account on an on going depute with The XXXX XXXX for a transaction that happened on XX/XX/2023 for XXXX. I reached out to XXXX XXXXXXXX XXXX several times before filing a complaint and dispute with Capital 360 bank after I paid XXXX To have flooring delivered to my house my XXXX XXXXXXXX XXXX because XXXX XXXX XXXX XXXX  cant do it my self. Ive provided capital one 360 all kinds of information a ver detailed stand even my XXXX  information etc. and they are still rolling in favor because the back office of Capital one states that I used my pin for the transaction. Well yes I did use my pin for it because I had to by the product first then have it delivered to my house mby XXXX XXXX and that never happened and now I feel XXXX XXXXXXXX XXXX along with Capital one is discriminating against me because of my disabilitys  and Im getting ripped off my Capital one for XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-09 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: NY

Complaint narrative:
I am a natural person, i am a living human being, i have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times.

I demand the accounts listed below because According to 15 USC 1681 : i have the right to privacy and i did not give equifax written permission to furnish these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/2012 XXXX U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Good Afternoon I'm customer of Coinbase. 

Since 2023 XXXX I can't to access into my personal account. When I introduce the XXXX digits generated with the XXXX XXXX XXXX I can't to access to my account. 


I have been a customer for a long time and this has never happened to me. 

I have complained many times to Coinbase but unfortunately I still can't to access to my account. 

Thank You very much

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/2012 XXXX U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/2012 XXXX U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2023-08-09 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: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In XXXX. of this yr I rec 'd a notice that a temporary hold had been placed against my credit card, the reason being, unusual activity. I contacted the company & notified them the activity was legitimate & requested the lift the hold. I was informed they would review the matter. I waited several days, but no response. Once again, I contacted them & was told the acc't was permanently closed. This time I was told they were unable to verify my identity & the account could not be reopened but I could apply for a new card, which I attempted to do numerous times. Each time I tried I was asked for my last 4 soc sec # 's.each & every time I was informed that I already had an acc't with a zero balance and was unable to apply for a new card. I've tried dozens of times and have spent hours of times on the phone with the bank & written several ltrs. In addition, I met with a representative of the company 4 times & she spent several hours on the phone with the bank attempting to help me, to no avail. I wrote one last ltr to the president of the bank hoping he would help to resolve this matter this matter. He never responded. The problem seems to be that although that acc't has been closed it still appears as an open account on their books. I would very much like to open a new acc't since I was a customer since XXXX  with no issues to speak of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I disputed a service charge with Bank of America for {$1000.00} which I considered fraudulent, as a former XXXX  with fraud experience. They advised it was not a fraud if i initiated the service. I did not initiate until after the service provider offered a discount, a very public offer made on his XXXX XXXX. Bank of America advised that the service provider was under no obligation to honor that discount and essentially left me " holding the bag. ''

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 2023-08-09 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: TX

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: SC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.

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 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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