vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-28 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: AL

Complaint narrative:
I have been emailing for months after being locked out of my account and unable to make payments AGAIN. It happened last year also and took me emailing three times to get a response which took about a month to receive. 

Email dates for this round have been : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 It seems insane to have something on my credit that I have no access to and am unable to pay on my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IL

Complaint narrative:
So I got a purchase of {$11.00} something in Arizona and so a number txt my number and asked if I made the purchase. I believed it was chime but come to find out it wasnt after I gave them all my info including my SS # so they got into my account and transferred all the money I had from my savings and credit account and put in the checking and took out {$260.00} out the account under the name XXXX XXXX. They said they couldnt give the money back because they dont see any error because the people had all my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: PR

Complaint narrative:
My name is XXXX XXXX XXXX. I live in XXXX, XXXX XXXX. 
I have an Account in Coinbase. My investment objective with Coinbase was for long term which makes this account for me an account that I do not monitor frequently. On Wednesday last week ( XX/XX/XXXX ), I logged into the account, and I realized that all the funds were not there. I immediately called Coinbase to ask for explanations and when we were analyzing the transactions, we realized that on XX/XX/2021 all the funds were withdrawn from an unauthorized account from a bank called XXXX XXXX Bank ( address : XXXX XXXXXXXX XXXX XXXXXXXX, WA XXXX, United States ). This bank account does not belong to me and its from another state far away from where I live. I immediately told the Coinbase representative over the phone that I need them to fix this. 
They gave me the Case # XXXX for further follow up with them, but they did not give me a course of action that they will take. It's been weeks and they have not contacted me. 
The amount stolen is {$130000.00} USD. I need help as this amount is big and Coinbase is doing nothing to obtain the funds. 
I filed a complaint with the XXXX XXXX police # XXXX. 
I respectfully request your help to resolve this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
The items I have identified are inaccurate and were not authorized by myself. 

An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from XXXX An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from XXXX An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from XXXX An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from 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 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
The items I have identified are inaccurate and were not authorized by myself. 

An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from XXXX An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from XXXX An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from XXXX An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: WA

Complaint narrative:
Fay Servicing LLC is a debt collector and my loan servicer. They are not assisting me. I have made mortgage payments from my previous XXXX servicer and have paid my mortgage payment all of this year yet my balance continues to increase by the thousands with each monthly statement. 
On XX/XX/2022 @ XXXX pm someone at Fay Servicing called me. They didn't tell me why they were calling. I told them on a recorded line that I need loan modification assistance and was put on hold while they connected me to that particular department. After 5 minutes the person got back on the line and told me to read the XX/XX/XXXX letter they sent me to them. I told them I was driving but they insisted I read the letter to them. Then they said they had to read the letter for themselves. I expressed to them that this is a recorded line. They then said they will call me back. This is not servicing it is just harassment. They did not tell me why they were calling. Again I am looking for loan modification assistance due to financial hardships. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: TX

Complaint narrative:
The XXXX credit bureaus have continued to allow the reporting of this XXXX XXXX Account to remain even after doing an investigation numerous times. The E-Oscar system is flawed & if this account isnt erased from my credit reports then I will be seeking my financial repair through legal action because an original creditor is not supposed to report a past due balance on a sold account. The bureaus wouldve known that had they done the investigation properly, this account has been reporting on my credit report inaccurate for some years & it needs to be deleted per the FCRA

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 2022-05-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022 I requested that XXXX savings accounts I opened for my children be closed due to the fact that they were being repeatedly subjected to XXXX XXXX monthly service charges for low balances. On that call, after the agent reversed the fees, I transferred out all balances showing on the screen and asked the agent to close the account. The agent noted that there was {$.00} remaining on XXXX account ( likely due to interest that had accrued but not yet posted ). The agent moved the XXXX XXXX into my checking account, thereby creating a negative one-cent balance in the account, and keeping the account open against my wishes. 

The negative balance ( which I did not ask the agent to create, and which kept the account open unbeknownst to me ), was then offset by {$.00} in interest. At this point, there was a XXXX balance in the account ( that I didn't want open anyway ). However, simultaneously to the interest posting, BofA charged yet another {$8.00} fine even AFTER I had requested the account be closed. 

Upon calling to request a refund, the bank left me on hold for over 30 minutes while trying to reach a supervisor to address this. The bank refunded the fees, however, this was due only to me having the time and patience to call the bank and force them to address the problem.

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 2022-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Control Technology, Inc.
State: MS

Complaint narrative:
I received a letter only, never a call from a collection agency about a debt for tuition. I had federal financial aid for the courses but the school returned the aid when I could no longer attend due to XXXX. The school never sent me correspondence or called about the debt so I did t know it existed until XXXX when I received a letter from a company requesting the money. I sent the collection agency a letter disputing the charge as I had spoke to the school when I withdrew and was told everything was fine and no one from the school mentioned a balance. The collection agency did not respond to my request for supporting documentation and this date I received notification from all three credit bureaus that the account was in collections. This is low affecting my credit score yet I had no opportunity to review documentation supporting the debt. The school was XXXX University and the debt collector is Account Controls Technology. 

I have worked hard to protect my credit and this is u fair reporting as so should have been afforded the opportunity to review the supporting documentation of the debt to determine my responsibility.

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 2022-05-28 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: SC

Complaint narrative:
In accordance with the Fair Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have a 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 1681 c. ( 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 the records of convictions of the crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: SC

Complaint narrative:
In accordance with the Fair Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have a 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 1681 c. ( 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 the records of convictions of the crimes which antedates the report by more than seven years.

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 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 
1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, GA XXXX Mail Current Status - Processed For Delivery ( XX/XX/2022 XXXX PM ) Letter Mailed Date and Time - XX/XX/2022 XXXX PM Pass through - Standard Recipient Address - XXXX XXXX XXXX XXXX, GA XXXX Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
I checked my Cash App and it was - {$1000.00}. 
I contacted support, they said it was a chargeback from XXXX card endiing XXXX and i had to take it up with them, a bank in XXXX. 
I check my account for the transaction being disputed and there are only XXXX failed transactions on the date XXXX XXXX from XXXX XXXX XXXX for {$500.00} and XXXX for {$200.00} I contacted XXXX and there was a language issue and got nowhere. 
I contact CashApp support and got nowhere but them saying to contact the issuing bank. 

The issue is there is no approved transaction to dispute. I was also never notified of the chargeback to fight it. 
CashApp has the obligation to research and investigate the dispute for me and did not. A simple review shows that there was never any approved transactions or funds sent or recieved. 
This seems like it may be a scam where cashapp is hacked and scammers are running it. 
Or CashApp has totally failed obligation to consumer and should be made to pay for damages and time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2022, I sent a {$2500.00} international wire to pay a company in the XXXX, converted into GBP. After hearing from the recipient after multiple inquiries that they never received the funds, I went to a Truist branch in which the bank teller confirmed the {$2500.00} international wire transfer was sent out as XXXX GBP. When I asked them to do a wire trace, I received a reference # but then a banker told me that they could not help me and that I had to call a certain Truist customer support #. I did this multiple times, staying on hold for each time for over 30 minutes, and no one picked up. Terrible customer service! I need this wire trace done and to get back this {$2500.00}, which supposedly this company in the XXXX never received.

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 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
*Citi Bank is reporting an old account that s not mine I have a federal report were my identify was taken. I've spoke to them about this and paid to try to have it removed no one can ever direct me to the correct person. 
Citi bank account number on credit report XXXX Amount XXXX Date XX/XX/XXXX *XXXX  XXXX  This account is saying to be from XX/XX/XXXX. I paid this account it is not mine but I was advised to pay XXXX to remove it. It's still on credit report. 

*XXXX  XXXX  XXXX  XXXX  Is reporting late I had XXXX account with this company and paid it off this is not my account. 

*XXXX  XXXX  is reporting I was 30days late on payment I was never 30days late. 

I have called these companies numerous times with no justice I have my federal investigation report. 
Please explain to me what can I do to fix this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
For XXXX  years, I keep requesting the permissible permission used to access my credit report in XX/XX/2017 by XXXX XXXX XXXX XXXX and Experian. However Experian and XXXX  keep sending the attached Account History and Contract documents.????? Do these companies have a language barrier?

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 2022-05-28 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: TX

Complaint narrative:
The XXXX credit bureaus have continued to allow the reporting of this XXXX XXXX Account to remain even after doing an investigation numerous times. The E-Oscar system is flawed & if this account isnt erased from my credit reports then I will be seeking my financial repair through legal action because an original creditor is not supposed to report a past due balance on a sold account. The bureaus wouldve known that had they done the investigation properly, this account has been reporting on my credit report inaccurate for some years & it needs to be deleted per the FCRA

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 2022-05-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The XXXX credit bureaus have continued to allow the reporting of this XXXX XXXX Account to remain even after doing an investigation numerous times. The E-Oscar system is flawed & if this account isnt erased from my credit reports then I will be seeking my financial repair through legal action because an original creditor is not supposed to report a past due balance on a sold account. The bureaus wouldve known that had they done the investigation properly, this account has been reporting on my credit report inaccurate for some years & it needs to be deleted per the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am currently trying to get an auto loan. XXXX separate banks have pulled my credit but are unable to pull my Equifax report. 

I have contracted Equifax multiple times concerning this and no one seems to know the problem. I may lose this loan because Equifax cant fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
There is incorrect information on 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 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Agency act XXXX, Equifax, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy.

These address do not belong on my credit.

Company response to consumer: Closed with explanation