vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/21, around XXXX, I withdrew {$1000.00} cash from the US Bank XXXX XXXX XXXX XXXX XXXX MN ) from my US Bank Relia Card Account. I have to do this because the XXXX XXXX online bank transfer function is down. I then deposited {$900.00} cash into my US Bank personal checking account at XXXX. The ATM machine accepted my {$900.00}, all {$20.00} bills it had just dispensed to me ( I put {$100.00} in my wallet ). It then dispensed a " receipt '' stating a machine error has occurred and we are unable to credit your account or return some of the items you attempted to deposit. Please contact XXXX so we can assist in the return of these items. '' I called that number several times from two separate phones. It would ring, then say this call can not be completed as dialed. I called the US Bank 24 hour customer service line and received the same message. I called the next morning and was speaking to a representative. I asked to be transferred to a supervisor, and she hung up on me. I physically went to the bank, and the bank manager, XXXX XXXX, who I could see eating a XXXX sandwich through the glass office door, had her teller inform me she did not have time to deal with it. She did not even have the courtesy to open her sliding door or speak to me, despite the stress caused from having {$900.00} taken from US Bank. I went to her office and told her I was unable to get through the prior night on the phone, and her response was " I could get through right now. '' It was the worst banking moment I have ever had. As of now, I was neither returned the {$900.00}, nor was it credited to my 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 monetary relief
Consumer complaint received 2021-10-07 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: NY

Complaint narrative:
I was burglarized on XX/XX/2021. The identity thief stole my XXXX XXXX, and using the phone the thief used 2-factor authentication ( which he had access to as he had SMS and email in phone, effectively making it use 1 factor ) to change the XXXX password. He then entered my Coinbase account using the password he created. He transferred my cryptocurrency, worth around 3k, into XXXX and transferred it. He also transferred XXXX from my bank account, and I have an outstanding balance of XXXX USD to XXXX. I reached out to XXXX within hours to lock my account. I recovered the account and changed the password after 4 days of emailing with XXXX ( who do not have live agents to help ). I then saw what had been done to my account, and have been reaching out to XXXX to revert these transactions or restore my funds after faults in their security ( only having 1 factor in 2FA and allowing huge transfers immediately after a password reset ). XXXX has been auto-responding to me, and have said they will take no action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-07 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:
I have contacted Transunion several times about correcting an error on my credit report concerning a loan that I had with XXXX. I paid this loan off on XX/XX/XXXX. Both XXXX and XXXX show the loan has being paid in full. Transunion refuses to correct this. I have contacted them with the help of an attorney in XX/XX/XXXX/XX/XX/XXXX and they still have not updated the balance to reflect as {$0.00}. I submitted to them the letter showing the loan being paid in full. This is extremely frustrating. I would like my credit report updated 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 2021-10-07 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
I had been paying my monthly due on time. There should not be a Late PaymenXXXX status appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
please remove these 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

3. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

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 2021-10-07 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: GA

Complaint narrative:
Ive communicated fraud to credit reporting agencies and provided proper evidence to refute negative marks. All 3 reporting agencies verified inaccurate, fraud information which has cost me my credit reputation and hard costs of inaccessibility to credit. 

There must be a better method to protect citizens who have be the victims of fraud. Creditors paid to provide negative information on consumers can not be partial. This is a violation of consumer protection rights. And, these bureaus and their furnishers must be held accountable for reporting inaccurate fraudulent activities.

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 2021-10-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and Debt Declaration. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Dorough & Dorough, LLC
State: GA

Complaint narrative:
THIS ATTACHMENT SERVES AS AN ADENDUM TO REPORT XXXX SUBMITTED XX/XX/21, I AM REQUESSTING A LEDGER OF ALL PAYMENTS WHICH WERE COERCED FROM THE CEO OF XXXX XXXX XXXX  THROUGH TREATMENT AND ATTACHMENT AND BONDING CENTER OF XXXX. I AM UPLOADING ONE COPY OF THE OFFICIAL LETTER OF FILING. DOROUGH AND DOROUGH LAWFIRM FILED ON THE AGENCIES 2 TIMES. THIS MONEY WAS NOT OWED AS THE AGENCIES DID NOT OWN BUILDING ADDRESSES LISTED. AGAIN, THE CEO 'S EX BUSINESS PARTNER EMBEZZLED MILLIONS OF DOLLARS VIA THE SBA UTILIZONG CURRENT CEO 'S INFORMATION. UNBEKNOWST TO CURRENT CEO HE SIGNED LEASED FOR BOTH BUILDINGS AND APPEARED TO HAVE DISTRIBUTED MONEY TO ALL PARTIES INVOLVED INCLUDING THIS LAWFIRM. THEY EVEN THREATED TO CUT ALL OF MY WATER OFF AT EACH BUILDING WHILE SERVING CLIENTS. BASICALLY, I WAS HARDMED FINANCIALLY AS I UTILIZED PERSONAL FUNDING IN ATTEMPT TO CONTINUE SERVING CLIENTS WITH MENTAL HEALTH ISSUES. THIS IS SO SAD! THIS MONEY WAS NOT EVEN OWED THEY STOLE FROM ME PERSONALLY! THEY JUST WANT ME OUT SINCE MY EX PARTNER LEFT AND THEY HAD NO ONE TO EMBEZZLE AND LAUDER MONEY THROUGH, I CERTIFY I HAD NO KNOWLEDGE OF ANY ILLEGAL ACTIVITIES MY EX-PARTNER WAS INVOLVED IN, I WAS FOCUSED ON SERVING THE KIDS AND FAMILES WITH MENTAL HEALTH ISSUES. THIS IS ONLY A PERCENT OF ALL THE EVIL THINGS THEY DID TO ME IN ORDER TO REMOVE ME FROM THE XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: VW Credit
State: TX

Complaint narrative:
Trying to dispute and remove this {$44000.00} for VW credit opened on XXXX of 2021, which is fraud and Id theft have tried to clear up with volks wagon financial but they wont give me info on fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX PREMIER Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I have had 3 XXXX leases and the latest was signed this XXXX. On XX/XX/21 my newly leased car was rear ended and is presently for two months now at the body shop. They can not obtain the part needed from XXXX to repair my car. XXXX can not say if the part has even been manufactured, if its in the US, if its on a barge and if my car will be repaired in the near future. They blame it in Covid. I am without a car. My car insurance will no longer pay for a rental. We have asked Acura Financial to waive payment until the car is repaired which they refuse to do. They want me to pay for a car I do not have and it is because of them I dont have my car. I have paid a leased payment for two month including car insurance on a car I do not have. I am looking for justice. I will pay the total amount due however Id like my payments postponed until I have an actual car. We are seniors and do not know where to turn. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Comerica
State: MD

Complaint narrative:
As of XX/XX/XXXX, it was XXXX in my account on direct express from ssi. I called on 6 I was told that someone had my information and made purchases. I was transferred to someone else who was to start the refund process. I was on hold for a hour then the phone disconnected. I called 3 more times and each time phone was disconnected. It sounded like someone picked up and hung rite up again.Ok called today I canceled the old card and had them issue another card. That person transferred me to someone's else who told me to go back to main menu reenter my ss number. Because the old card was canceled all they say was I get a new card in 7 to 10 days call disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: CA

Complaint narrative:
Experian is inaccurately reporting bankruptcies on my credit report. I have verified information with XXXX XXXX and forwarded the information from XXXX XXXX to Experian confirming that they are indeed not reporting this information to Experian but Experian has not removed this information from their reporting. This is a common practice for Experian.

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 2021-10-07 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX STOLE THOUSANDS OF DOLLARS FROM DISCOVER DOING CHARGE BACKS. you name it restaurant food, expensive trips to XXXX XXXX, XXXX, XXXX XXXX, designer purses, and this all dates back years she is a thief surveillance tapes will show her making purchases. DISCOVER choose to ignore this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
SEE ATTACHED DOCUMENT OF MY STATUES MAILED XX/XX/2021, ALONG WITH FTC REPORT. ITEMS REMAIN IN THE SAME STATUS.

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 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I disputed with the credit bureaus, telling them I was a victim of identity theft and that these accounts are not mine, therefore it should be removed. But I never received a response, it has been 60 days since then. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: TX

Complaint narrative:
Trying to dispute and remove this {$44000.00} for XXXX XXXX opened on XX/XX/2021, which is fraud and Id theft have tried to clear up with XXXX XXXX XXXX  but they wont give me info on fraud

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 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA

Complaint narrative:
USAA XXXX received payment for an outstanding Mastercard credit account balance on XX/XX/2021. The bank took payment for the account settlement and is refusing to provide documentation to myself that the account has been settled and the agreed to balance paid in full. I have called multiple times over the almost two week period since the settlement and they are doing nothing to provide the appropriate documentation of our transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Advised Portfolio Recovery to stop calling.They call everyday!!!!! My wife is XXXX and can not be bothered. I believe this is debt that is over 7 years old and trying to collect it aggressively and illegally. I also advised them via email to stop calling and use my number if they need to call. They will not comply with my wishes. I also asked for something in writing so I know what the debt is and they will not comply. I will file a police report for harrassment if they do not stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I am writing to request for your assistance in addressing issues with my public service loan forgiveness payments with Fedloan servicing ( PHEAA ). 

Problem # 1 - I was placed on excessive administrative forbearance of 4 months from XXXX through XX/XX/XXXX when applying for an income-driven repayment ( IDR ) plan when typically it takes 1 month to process the repayment application. I lost months of public service loan forgiveness ( PSLF ) qualifying payments. 

Just to give a little background- I graduated from medical school in XX/XX/XXXX, had a 6 month grace period XXXX through XX/XX/XXXX during which time I have consolidated my direct subsidized and unsubsidized Stafford loans with the intention of pursuing PSLF. At that time, my direct loans were with XXXX XXXX XXXX. My first repayment should have started in XX/XX/XXXX, but I was not informed to file an IDR repayment application before XX/XX/XXXX and once I filed the IDR form in XX/XX/XXXX, XXXX XXXX XXXX gave me a timeline of up to 2 months for processing time. Once the IDR application was processed, my first bill was generated in XX/XX/XXXX on the IBR plan. My loans were subsequently transferred to Fedloan Servicing in XX/XX/XXXX and XXXX XXXX XXXX has since been closed. 

Problem # 2 - During my annual IDR recertification in XX/XX/XXXX, Fedloan servicing placed me on administrative forbearance and Fedloan servicing automatically transferred my repayment plan from PAYE to REPAYE without my knowledge and without giving me an opt out option so that I can make my normal repayment under my then PAYE plan. 

Fedloan servicing said that they automatically transferred me to REPAY because I did not qualify for PAYE. I already lost one month of repayment when my IDR plan was switched from IBR to PAYE in XX/XX/XXXX and now I lost another month again because Fedloan servicing realized that they mistakenly approved me for the PAYE plan. Fedloan unilaterally placed me on administrative forbearance, switched my repayment plan, failed to offer me an opt out plan, and failed to inform me of this whole undertaking in XX/XX/XXXX. Fedloan 's service recovery team agent realized the error of not giving me an opt out option and filed for a review since XX/XX/XXXX for a bill to be retroactively generated, but there has been no remedy since the escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have reach out to transunion so many time they will not update my Credit 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 2021-10-07 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: GA

Complaint narrative:
Ive communicated fraud to credit reporting agencies and provided proper evidence to refute negative marks. All 3 reporting agencies verified inaccurate, fraud information which has cost me my credit reputation and hard costs of inaccessibility to credit. 

There must be a better method to protect citizens who have be the victims of fraud. Creditors paid to provide negative information on consumers can not be partial. This is a violation of consumer protection rights. And, these bureaus and their furnishers must be held accountable for reporting inaccurate fraudulent activities.

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 2021-10-07 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: GA

Complaint narrative:
Ive communicated fraud to credit reporting agencies and provided proper evidence to refute negative marks. All 3 reporting agencies verified inaccurate, fraud information which has cost me my credit reputation and hard costs of inaccessibility to credit. 

There must be a better method to protect citizens who have be the victims of fraud. Creditors paid to provide negative information on consumers can not be partial. This is a violation of consumer protection rights. And, these bureaus and their furnishers must be held accountable for reporting inaccurate fraudulent activities.

Company response to consumer: Closed with explanation