vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
I have 2 accounts with Crypto.com, each account has its own email and phone number. My first account I got locked out of ( Email : XXXX ) because I did an update and the phone number that was on the account I no longer have. They told me that I had to send in a picture with my name date and a code and they would change my phone number. I did everything like they said and they changed my phone number. My 2nd account I got locked out of as well ( Email : XXXX ) when I had an app. update last week on Thursday XX/XX/XXXX  that I did. When I went to log in the phone number that I had changed the week before was not updated. So when the app. update was done, it was asking for me to put the code that was sent to a phone number that I no longer have. I contacted Crypto.com the guy told me to take a picture of myself with my name, the date and a code and they would change my phone number. It would take 24 hours to update. After 24 hours another person XXXX answers saying that I have to speak to someone to verify that I am who I am. They asked me some questions like what was the last purchase. I know that I answered that wrong, I did purchase the crypto that I said that same day but it wasn't the last purchase that I made because I had made several different purchases. After the call XXXX said I failed the verification and that she wasn't going to speak to me again. Said that there is nothing further to be done. That no one was going to speak to me. So all of my investments they think they are going to keep? I have all my bank statements and emails from Crypto.com confirming the purchase I need my phone number changed on my Crypto account to have access to my investments. I did all these transactions with my wife 's checking account that we share together.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: VA

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

Account name : # XXXX, XXXX, 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 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. 

I do not have an account with XXXX and I am totally upset how this account continues to appear on my credit report. I am a Government Employee and this could pose a risk to my security clearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

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

Account name : # XXXX, XXXX, 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 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. 

I do not have an account with XXXX and I am totally upset how this account continues to appear on my credit report. I am a Government Employee and this could pose a risk to my security clearance.

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 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 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 XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED 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 2023-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Good morning, Department of Economic Opportunity of Florida ( DEO ) approved me for mortgage assistance starting on XX/XX/2022. However, since my approval date my mortgage company LoanCare has not received any payments. DEO has assured me they have sent out over {$4000.00} in payments but LoanCare claims to have not gotten anything. I am very concerned since LoanCare is threatening me with foreclosure but I am under the impression these checks are going somewhere and I know for certain they are going to the correct address that LoanCare told me to use. Also DEO has had this situation under investigation but I still have not gotten a response. I was approved for 6 months so this XXXX would be the last month. I would appreciate any help regarding this situation. 
Thank you!

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 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
: From XXXX I asked three credit bureaus Experian, XXXX, XXXX to update my balances with all of my credit cards along with payment history. They wont update them. XXXX is a closed paid off account. All three bureaus have my owing money. My loan from XXXX XXXX need to be updated with the balance being only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Need to be updated on the balance. 


Remove negative activity from all credit cards and loans and update the 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 2023-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
XXXX XXXX systems has repeatedly called and harassed me about a {$70.00} dollar collection. Claiming that since XXXX hasnt removed it from their report ( all other credit bureaus have ) that they are entitled and I better pay. That I can not escape being irresponsible and saying obscene things. 

XXXX as well said they will NOT take that into consideration and made their dispute decision based on information given by XXXX. This in turn made their calls ramp up from XXXX, day and night constantly harassing me. I couldnt even attend a funeral without their calls popping up on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted Experian several times to update my information and they refuse to. My address is incorrect my name is incorrect my job is incorrect. The have 20 different addresses and names. I will be filing a law suit Im sick of this XXXX. They have late payments which they should not have due to

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 2023-03-20 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: NV

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX. 
ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX 15 USC 1681 section 602A States that I have a right to privacy.

15 USC 1681 section 604A section 2 : IT also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have a Savings Certificate from XXXXXXXX XXXX, dated XX/XX/XXXX, worth {$5000.00} on maturity date of XX/XX/XXXX. I've been saving it for retirement. XXXXXXXX XXXX merged with XXXX and then Wells Fargo. 

Wells Fargo says they have no record of it. I have record of it! Wells Fargo has assigned a few Case Managers to help. When I hear nothing from them and call them, I am assigned a new Case Manager. I have been going in circles.

I have been in contact with the following : Wells Fargo in XXXX, MN, XXXX XXXX, SD, XXXX, NC, and XXXX XXXX. Office of MN Attorney General XXXX XXXX ( They encouraged me to contact you ), and Unclaimed Property,

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 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
: From XXXX I asked three credit bureaus XXXX, TransUnion, XXXX to update my balances with all of my credit cards along with payment history. They wont update them. XXXX is a closed paid off account. All three bureaus have my owing money. My loan from XXXX XXXX need to be updated with the balance being only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Need to be updated on the balance. 


Remove negative activity from all credit cards and loans and update the 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 2023-03-20 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I've previously reported this company and requested an investigation for this company that was previously removed but continues to reappear. I've also submitted a letter and spoke with them advising i have only one name XXXX XXXX XXXX and one address XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX where i can receive mail via all 3 bureaus. They continue to keep adding these addressed back to my credit profile. Creditor is NCA which i believe is National Credit Adjusters. I've also requested that a hard copy of the application with my signature be provided and none of that was provided before they placed this back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XX/XX/XXXX - Applied for Amex Platinum Card with a XXXX point welcome offer ( subject to minimum spend requirements ) XXXX/XXXX/XXXX  - Approved for Amex Platinum Card XX/XX/XXXX - Met minimum spend requirements, however only received XXXX points, XXXX/XXXX/XXXX - Called agent and was asked to submit proof of original offer to agent 's email XXXX/XXXX/XXXXXXXX - Followed up with agent via email ( having received no response ) XX/XX/XXXX - Called again and was told that it was being investigated, however have received no follow up Current status - Still have yet to receive any follow up, and still am missing XXXX points. Have called Amex several times since and have been told that the issue is still 'being investigated ', however this process has been going on for six months with no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This company is the worst!!! I have obtained my credit report and found there accounts I never opened, addresses I never resided, inquiries I never made and even different variations of my name. Comenity Bank was one of the accounts showing with an amount owed of {$870.00}. I disputed the account because I realized it was listed twice in my credit. Once with Comenity Bank and again with XXXX XXXX XXXX and both were open. I disputed the account and they then closed it as charged off. I attempted to contact this company and had the worst customer experience ever. The agent had a horrible attitude and hung up on me. I plan on taking action against this company for their very very rude tactics if this account is not deleted immediately. I have also filed an FTC report along with a XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
A grocery store called XXXX has been trying to withdraw {$28.00} from my account yet the grocery order was cancelled by me on their app! Its annoying

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 2023-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
The bank this is in reference to is HSBC BANK. I tried using my card to pay my rent and it said that my card was invalid. I tried three more times same status. I contacted the bank and it said I need to wait until Monday and talk to the fraud department. I called they never gave me a reason why my direct deposit was placed on hold. I went to the bank location same results. No one knew what was going on. It has been two months, if I dont call I hear absolutely nothing from them and still no reason for holding my money and said they was closing the account. I just called again today XXXX XXXX. Still the same results just saying that they will note that I called but I still have no results. Ive became homeless because of this incident all while Im fighting XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account ( XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX offered by Comenity Capital Bank ), has violated my rights. 

15 USC 1681 Section 602 - states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 - also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B - states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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:
Experian has not removed or deleted inaccurate information reporting on my credit report. XXXX outsourcing HAS NOT provided PROOF OF OWNERSHIP OR VALIDATION WHEN ASKED. XXXX continues to report inaccurate information and even though I have sent letters and called Experian, Experian will not delete the inaccuracies. Letters were first sent XXXX XXXX and have continued to be sent to both parties requesting deletion. I also contacted the original creditor and they informed me that they are unable to verify account and it has been written off since 2017.

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 2023-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AR

Complaint narrative:
I am in the PSLF program with XXXX eligible payments and XXXX qualify. Most of my payments are associated with my time working at XXXX XXXX XXXX XXXX in XXXX XXXX, Arkansas ( XXXX payments ). I no longer work there and they are not easy to deal with as far as getting my employment certification signed by them. So its unsigned all this time. 

When I initially got into the PSLF program in XXXX 2022 I consolidated and was set up with XXXX. They told me tax transcripts I submitted for my time with XXXX XXXX XXXX would be proof of employment. When my loans were transferred to Mohela in XX/XX/2022, I spoke with service reps by phone and email messages more than once in XXXX and XXXX and they never said my tax transcripts wouldn't be usable. In XXXX, through chat, when I contacted they did not say so then either. In XXXX, by phone, they told me I needed w2 's AND check stubs for all the years I worked at XXXX. They said since the IRS masks the full tax ID and XXXX XXXX XXXX XXXX on the transcripts they couldn't trust that. I don't have the pay stubs or access to that many. I requested W2 'S from SSA in XXXX and told Mohela this. By this time my 90 business day processing was winding down. In XXXX they told me Department of Education was verifying my employment with XXXX and that wouldn't take long. In XXXX, they say through an email I initiated that they don't know what I'm talking about and can't tell me anything. They said I need W2 's OR pay stubs I need real answers because it seems like my PSLF is being held up and I'm getting the runaround. I am still waiting on w2 's from SSA. If my request sent from them doesn't produce all the W2 'S and I can't find anyone reasonable enough to sign a employment certification form at XXXX, I won't get my loans forgiven. I have all the tax transcripts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief