vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
Im having issues with inquiries from credit companies who say it wont affect your credit or it will drop off quickly and its still affecting my score. I also hired an attorney to remove a car loan that I wasnt responsible for and it didnt even raise my score. All the credit cards that say charge off were cards I had when XXXX shut my life down. They said over the phone they were releasing me from the debt due to hardship and reported after XXXX restrictions lifted : the lving corporation is a company who bought credit ones old debts. I settled it with credit one and it was sold. The other charge off was from bridgecrest where I was told it would be removed from my credit report and was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: NY

Complaint narrative:
I'm contacting you to inform you that I've experienced identity theft. This message is an official dispute regarding this account. I've followed the instructions from the involved companies and taken appropriate actions to rectify the situation. I've reported the identity theft to the FTC and contacted each affected company directly to dispute the erroneous information. I would appreciate your assistance in resolving this issue. 

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 2024-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
XX/XX/XXXX just received my mortgage loan. The first month they raised my payment over XXXX. I went on XX/XX/XXXX and saw so many complaints and reviews saying the same thing happened to many others. I spoke with a man when I first got notice of the increase. He said he would lower it to XXXX and it would stay at that amount for XX/XX/XXXX years. Listen to our call. Today it raised again. This company is horrible to work with. Their staff goes around in circles trying to explain what the difference is from. I'm on XXXX and on a fixed income. Every time they raise the amount I'm fearful of not being able to afford my mortgage. Please examine all the other complaints and reviews on XXXX  website. They should not be in business. When you finally can get ahold of someone they just start rambling of why you owe and they're sorry but it had to be raised. This is insane to have to call every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
CD renewed without any letter sent except renewal until it was too late except for fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One on all three accounts is reporting High Credit balances when I only carry no more then {$25.00} on all three cards since the opening of all I pay off total balance every month MOST BALANCES ARE CREDIT HOLDS AND DEPOSITS this is purposely done and shared to other institution so thy can monopolize and control who extends be credit etc

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-05-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XX/XX/year>, I called and spoke to XXXX to inform her that I have received money market check book on the XXXX evening. It took 19 days to be delivered to me which was almost a week later than normal 7-10 business days. I was previously told it was ordered on XX/XX/XXXX and shipped by the vendor on XX/XX/year>. Upon my inquiry, She double checked with a back office staff and ensure me the account and check were all green light on and good to go. I told her I will make a mobile deposit to my synchrony saving account to test and ensure both money market account and check working properly. 

On XX/XX/year>, I was restricted from my money market account. I called and spoke to two call center support staff and they submitted my request for reactivating my XXXX  market account and asked me to wait 2-3 days but I am still unable to use the money market account and unsure about my option writing check for mobile deposits. I have not heard anything from the bank or been contacted by the bank to resolve the issue.

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 2024-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Demand Dispute Letter to Coinbase - XXXX : We have formally approached Coinbase regarding the suspicious transactions on your account. 
Demand Dispute Letter to the Bank - XXXX : Similarly, we have reached out to her bank to address the fraudulent activities and discrepancies in your account. 
Police Report Filed : A formal police report has been filed to document the fraudulent transactions and initiate an investigation. 
Complaints Filed with SEC and CFTC : Additionally, complaints have been lodged with the Securities and Exchange Commission ( SEC ) and the Commodity Futures Trading Commission ( CFTC ) to highlight the regulatory violations and seek their intervention.

How all happened 1. The person contacted me on XXXX sent me a message, became friendly with me, and started from there. 
2. She goes by XXXX XXXX, I know that much. 
3. Profits were if i put more money and trade XXXX. will have 60 % return, which was very suspicious, i will make a file from all the communication i had with her because we were talking and she was showing me how to do things 4. I was investing in ETH, she said her uncle has some algorithm, who is a investor and doing really good, knows when to do the trade. I told her I need to take money out she said, why do you want to take it out now make more than you can take it out. I told her I want to take now, but she persuaded to keep the money and trade more. 
5. I asked her how do I know that it is a legit company? She said of course it is because I am sending money to Coinbase and it goes to XXXX and all the things I do from my end, and it is safe and it is authenticated. She had an answer on everything. I know I was fooled. 
6. I didn't sign any agreement with them.

7. I had a portal to log in, at first it was working, but after a while i couldn't get it in. When it came to XXXX i couldn't log in. 
8. The money from my bank went to coinbase and after coinbase went to XXXX. 
9. We set up together, she was teaching me all from the scratch.

10. She didn't get into my computer, just showing how to do all the procedure.

11. I took money from my credit card, and i took loan as well, ( so XXXX ). 
12. They didn't ask to pay any withdrawal fees.

13. Unfortunately i didn't receive any returns.

14. My bank didn't block any transactions, because i just took a personal loan and from credit card money for me.

15. I lost quiet some amount {$16000.00}.

16. I moved money from my credit card and from loan to my bank account yes, to send to coinbase 17. I never bought crypto from this account before. 
18. It made my realise that it is a scam, because i couldn't get into the XXXX site to check my balance, i tried and tired and it was just not happening, I wrote to her, and it was no answer, Before she was talking to me none stop, and after that it was silence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year> I went to a Wells Fargo branch in XXXX Florida. I had just received my tax return and the form of a check. The check was issued by XXXX XXXX  XXXX  when I went to Wells Fargo to cash my check I spoke to a representative thereand I tried to cash my check. She did not allow me to cash the check so I went to the ATM to deposit the check and it worked. I was able to withdraw around {$6000.00} with a remaining balance of {$16000.00} A few days after my account was locked and that I will not be able to get the rest of my rightfully earned money so ever since XX/XX/XXXX my money has been locked and I havent been able to access it. Ive spoken to countless representatives for the Wells Fargo company and everyone tells me the same thing that they couldnt verify the check, so I ended up calling XXXX XXXX  on three-way with Wells Fargo to get them to verify the check and they successfully verify it. They put a note on my Wells Fargo account that the check was verified and the money was valid. But still, I havent received my money and no one has followed up with me even though I contacted this company dozens of times receive countless letters but nothing about me getting my rightfully earned money. Ive considered taking legal action because this process isnt right and I feel like Im being taken advantage of because I am an older guy and I felt when I went to the Wells Fargo branch I was profiled, and at this point, Ive been considering talking to Lawyers, to see what legal action I can take because I know Im being taken advantage of and this isnt right

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 2024-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-05-06 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 lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 non-monetary relief
Consumer complaint received 2024-05-06 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:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-05-06 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: EQUIFAX, INC.
State: SC

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

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 2024-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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.

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 2024-05-06 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: FL

Complaint narrative:
I recently review a copy of my credit report i had a fraudulent account on my report please remove this account from my report it is hurting my ability to obtain credit

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Unauthorized inquiry on XX/XX/2024 from Equifax Mortgage Services

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Unauthorized inquiry on XX/XX/year> from XXXXXXXX XXXX XXXXXXXX

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 2024-05-06 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: CA

Complaint narrative:
I saw something strange on my credit report and got no info from experian as to what it was. In the section that say spouse or coapplicant it said XXXX. Ive never been married for XXXX and for XXXX I have no knowledge of what it is. They offered to remove it but I want answers first.

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 2024-05-06 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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