vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to XXXX party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed 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 explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Home Point Financial Corporation
State: NC

Complaint narrative:
Home Point Financial Corporation is {$300.00} over the amount my mortgage should be. They estimated the taxes at over {$4000.00} a year instead of just over a XXXX dollar. The mortgage was issued in XXXX of XXXX. I've been trying to fix this issue since then. It is XX/XX/XXXX now. I have called them multiple times, even waited a whole year because they said they were collecting the extra money because they were anticipated for the taxes to go up. This was a lie, and they still refuse to fix this issue. 

Home Point Financial is collecting money from me that I am not sure what they are using for, are they making interest on this money, are they lending it to others. Either way, they are getting free money to do whatever they want with it. If they are taking my money and not paying interest on it, I am sure they are doing the same to others as well. I XXXX ' think this company should be allowed to treat their customer as they treated me. This is the last resort. I hope others can learn from this so they make other choices when selecting a mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: CL Holdings LLC
State: CA

Complaint narrative:
JEFFERSON CAPITAL SYST Original creditor : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/2022 Account type Debt Buyer This is identity theft I have no knowledge of this account, tried to dispute it but I got nowhere with that process, complained with ftc and now cfpb

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law, you had XXXX ( XXXX ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
TransUnion has XXXX separate files for me under XXXX separate names. Each file has its own file number. I have tried numerous times to update my personal information. TransUnion has not updated my information.

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 2023-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
On XXXX I received an email from Coinbase that an unauthorized phone number and email account tried to access my account.I followed the prompts on the app to lock the account. And then days later I tried to unlock the account and I kept getting rejected saying that the photo of my drivers license was not clear, i did this several different times. Then I called customer Service and they stated that the email regarding the unauthorized access was sent to me in error and that pictures of the license were clear and she would manually push the verification through. But there was an error with the site and she asked me to access chrome, and so i called back later. When i called back the rep was rude, said that the pictures weren't clear, he refused to let me talk to a XXXX and he refused to give me a number or email address to log a complaint through their company. I have repeatedly tried to upload pictures of the license, taken by XXXX different people with XXXX different phones, and I get the same error message. Please help meI have been locked out of my account for over a month and have no access to my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
My son ( XXXX XXXX XXXX ) was scammed at the end of XXXX. Scammers deposited fake checks into his account and then took the money out though XXXX. The checks are 99 % identical and the bank didn't block/flag anything do to their poor security and my son lost thousands of dollars because of it. Any attempt to work this out with the bank has only resulted in them gaslighting my son and I. They refuse to accept any accountability, keep their word ( they said my son would have his money back within days and not to worry ) and even falsely changed the narrative in their system trying to dodge responsibility even after I filed a police report stating the facts. I even told them what they put into the system was false and didn't align with the police report.They are committing fraud and are complacent in these illegal activates. At this point they have cut off communication, of course unless go to the branch in person. Even then, the branch XXXX will sometimes run out of the room when he sees me coming in and the other employees will say he is not in today even though I just saw him.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: CA

Complaint narrative:
Went through XXXX with XXXX, and according too the XXXX company myself nore USBANK. We're supposed too be able too be represented by a Attorney, or Law Firm. As an XXXX is like a small claims case. But for some reasons USBANK, was allowed too not only be represented by both. But was allowed too present false, and tampered with documents in the case. Where when I disputed the evidence and documents. The hearing Judge. Said, for me to provide copies of my original documents where I sent statements, receipts of funds from me being put in the accounts and documents that the accounts were indeed, mine. But according too USBANK, supposedly Attorneys. At first they claim USBANK, said the accounts were not there's. Then a week before the Judge ruling USBANK through their Attorneys claimed that they had found the accounts and numbers. But that the accounts nore the account numbers were under my profile. So when I asked, the Judge about why would the accounts be under my name, social security number and address and it shows I was placing funds in these accounts. The Judge said " USBANK Attorneys, if it turns out that these accounts are indeed XXXX XXXX, I will have too rule in his favor and award him the amount he is requesting are you all sure that you don't want too try settling this before I make my ruling? USBANK Attorneys said NO. These accounts have nothing to do with XXXX XXXX. Where I was giving the final statement where I said " Your honor, once again if these accounts were not mine why would I have been paying the accounts, why would I be putting money in these accounts and why would these accounts be sent too me under my personal information? " After the XXXX, I was told I could get a copy of the audio tape of the hearing. When I called the XXXX company, they claim that they could not find any information on the case. Which was strange, because they sent me the ruling document. But then claim that they couldn't find anything on the case in their system. Then I seen your company went after them and won.

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 2023-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
I made a payment for {$5000.00} on XX/XX/2023. It was reversed the very same day and the servicer company ( Aidvantage ) did not message me or give me any explanation for this decision. I had not signed up for any deferments either and the company never even tried to withdraw the money from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to XXXX party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed 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 2023-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
I have a debt collection letter from XXXX XXXX XXXX XXXX for {$110.00} for PayPal. 

XXXX ) I logged into PayPal and currently have a positive balance. 
XXXX ) I do not recognize this debt. 
XXXX ) I can not actually log-in to XXXX XXXX XXXX XXXX. I have tried the letter ID they gave me. I have tried last name, and last XXXX. Nothing has worked. 
XXXX ) The website references a page with a signature, I think I've only received the XXXX page of a correspondence. I believe this is a badly orchestrated scam. 
XXXX ) Just realized they also sent it to Washington, DE not Washington XXXX DC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My information was used incorrectly to open credit cards. I reported indentity theft to my police department but nothing got resolved as far as getting thing removed from my report. There is a total of XXXX accounts that are fruadulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am being violated by XXXX, XXXX XXXX Equifax credit bureaus under XXXX ( XXXX ) ( B ), XXXX, XXXX, XXXX, XXXX, XXXX ( a ) ( XXXX ), XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, & XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 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: IL

Complaint narrative:
I am being violated by XXXX, Experian XXXX XXXX credit bureaus under XXXX ( XXXX ) ( B ), XXXX, XXXX, XXXX, XXXX, XXXX ( a ) ( XXXX ), XXXX, XXXX, XXXX, 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 explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XX/XX/XXXX, XXXX credit card was charged {$5800.00} I have been trying to remove this charge since the day it occurred and it is now XX/XX/XXXX. 

I was on the phone with TD Bank WHILE the charge occurred. An email was sent at XXXX XXXX that day that the phone number for security had been changed on my account. I found it at the end of the work day and called them at XXXX XXXX. 

Original dispute request # XXXX was declined, reason given is it is a chip on chip transaction and therefore the card was present. 

Second request # XXXX was auto-declined, reason given is that this was a previously resolved case and duplicate claims are auto-declined. 

Most recent dispute request # XXXX Filed on XX/XX/XXXX. The TD bank representative who filed it stated it was " a shot in the dark '' because it would likely be auto-declined again. 

I called one more time after that and confirmed there is a note from XX/XX/XXXX that a card was printed at the branch that day. The person impersonated me at the TD Bank in XXXX XXXX, changed the online password, created a checking account in my name, changed the phone number on my account, and had a credit card printed. 

They then made a purchase at XXXX {$5800.00}, the charge was cleared by someone at TD Bank in XXXX XXXX WHILE I was on the phone with TD Bank asking about the email. 

I also got a letter from my employer verifying that I was at work that day. I see clients and our system can confirm that I was in appointments at that time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN is in violation of 15 usc 1681b a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer. EXPERIAN never had my written instructions and they did not do their due diligence to make sure I received full disclosure and an opportunity to opt out before they decided to furnish accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to respond adequately will force me to seek counsel in order to receive remedy for the damages EXPERIAN has caused me.

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 2023-09-10 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:
Hello, in response to complaint # XXXX I have sent Equifax a XXXX of my drivers license with my only address as well as XXXX of my utility bills. Equifax has been causing me harm by failing to provide me with a credit score, defaming my character, and other financial damages. Adverse action was committed against me in the form of my application for a {$300000.00} mortgage with XXXX Bank that I was denied for even though I can not be denied an extension of my own credit. The application I filed out was deposited with the Treasury and I received no consideration. However, Equifax received consideration when they sold my credit information to XXXX. This constitutes unauthorized use of my social security card which is by definition a credit card. I have attached a copy of my correspondence to Equifax and demand my credit score be made available to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
Please remove all of the information enlisted on the letter attached to this notice. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: CT

Complaint narrative:
i have contacted sallie mae multiple times to see if there was an option to lower my monthly payment without having to miss one or declare bankruptcy, as my mom is the co signer. i am met with a similar answer every time about having to miss payment to have the collectors contact me with a different solution. they are vague as to what this would entail and i am not trying to get money taken out of my paycheck and i don't my mother to take on more things to pay for. the vast majority of my paycheck goes towards my loans which lives very little money to spend on necessities like gas and such. my two loans have astronomical interest rates one standing at about 13 percent and the under around 11. it is virtually impossible it seems to get a concrete answer out of the company as to what would happen or what is an option i can proceed with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
On XX/XX/2023 I paid off my student loan balance through Mohela, my absolutely incompetent servicer. I have the documentation of the payment confirmation, the withdrawal from my bank account and the following XXXX balance from the Department of Education. 

Following my payoff, the department of Ed gave the money back. I have not been abler to find out why because they have not responded. If it's for forgiveness, I would like to know. However, I believe it must be for continuing gaining interest. 

Soon after reaching out to the department of Ed to submit a complaint about Mohela, they then brought my balance back from 0 to the original amount. Nowhere in this was I ever contacted. 

My servicer then began charging interest, now I have to pay at this time {$11.00} more but it will continue to accrue simply because no one accepted my payment and no one is responding. 

At repayment, the servicer system said I would be overpaing due being in auto debit, which I am definitely not in. They are a new servicer! It switched during the pandemic. they know this because on their website dashboard, it says a warning about lowering my payments if I choose to sign up for debit. 

This is all evidence that they can not handle the crucial data management required for loan servicing, who knows what else they have mishandled leading to incorrect payments for myself and others.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation