vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Round Up Ventures, L.P.
State: KY

Complaint narrative:
I am paying 213 % interest on a {$2000.00} loan Ive paid over {$7000.00} on this loan and had automated payment set up. They changed were the money would be sent without notifying me and every time I call to speak to them about it nobody seems to have any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've tried contacting the credit reporting agencies multiple times about this situation and nothing has been done to further assist me or resolve it. This has been affecting me in my personal life and it has been hectic having to go back and forth with the companies about helping me. This information reporting on my account is unauthorized. Please, help to resolve this situation immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: TX

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.

The letters are stated with items and issues.

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 explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I went to Lowes to get something to fix my bathroom. When i went to the register and switched my card it declined. I told them that I make all my payments on time and there is a mistake. They advised me to call the credit department, to my surprise I was told by a rep. that my card was closed. I asked who authorized them to close my account. They stated because I wasn't using it, they closed it. I was very upset at that time. Then I was thinking I has a balance at that time, and I was making all my payments on time. Now my credit is being affected because they are reporting that I have been late on a closed account that they took up on themselves to close. It is affecting me so bad that I can't even refinance my vehicle to get lower payment. This is really embarrassing and affecting my life in a very bad way.

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY XXXX HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2023-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I have a Coinbase account they made the mistake and they have locked me out of my account. I call coinbase there customer service is horrible. I transferred out some funds to cover some bills, Coinbase sent it to my savings instead of my checking. I sent the money back to coinbase so I could send it to my checking done, but a day later i try to use my coinbase debit card and it is declined. I call coinbase they tells me I owe them XXXX dollars, i look at my checking and saving and sure enough the money is still in my savings account i try to send it and my bank accounts are unlinked. I link them and send them the money and I wait for it to clear. I call them and they still have my account blocked that was XXXX XXXX coinbase customer service says they will escalate but they will not get a supervisor or manager or will they supply you with any other phone number or email. I call every other day and nothing they always say the same thing we escalate, they will email you but no one ever does.they make it seem that I did something wrong when its coinbase fault I am no computer wizard I paid them there money it cleared my bank and they still have my account blocked, they verify me and give me the run around. Today XXXX now they say until XXXX XXXX I am afraid that the little I have they are trying to steal it or misappropriate my funds I am already a XXXX citizen and I feel they are trying to take advantage of me. Can you please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I got a flyer from my school about job opportunities through XXXX. And the person in charge of this job offered me that I have to do specific daily tasks as a personal assistant, which involved sending money to foster care people for children, school supplies, or surgery. That person sent me checks XXXX times, and all the reviews got returned after a couple of days. On XX/XX/2023, I filed a fraud complaint with my bank, and they didn't take much action. I'm a student, and I don't earn that much to provide for myself, and when I asked if the bank would provide or help me with protection money, it seemed like they were not going to do it. They instead asked me to file a complaint with the police.

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 2023-08-01 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: FL

Complaint narrative:
According to the fair credit reporting act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify trough the physical verification of the original signed document contract - any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account, I expect to see an original proof of the accounts that Im listing below XXXX  XXXX XXXX account : XXXX {$1800.00} comments : Not mine XXXX XXXX XXXXXXXX account : XXXX {$330.00} comments : Not mine XXXX XXXX XXXX account : XXXX {$0.00} comments : Not mine XXXX XXXX  XXXX account:XXXX {$0.00} comments : Not mine XXXX XXXX account : XXXX {$330.00} comments : Not mine XXXX XXXX account : XXXX {$0.00} comments : 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 non-monetary relief
Consumer complaint received 2023-08-01 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: FL

Complaint narrative:
According to the fair credit reporting act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify trough the physical verification of the original signed document contract - any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account, I expect to see an original proof of the accounts that Im listing below XXXX XXXX XXXX account : XXXX {$1800.00} comments : Not mine XXXX XXXX XXXX account : XXXX {$330.00} comments : Not mine XXXX XXXX XXXX account : XXXX {$0.00} comments : Not mine XXXX XXXX XXXX account:XXXX {$0.00} comments : Not mine XXXX XXXX account : XXXX {$330.00} comments : Not mine XXXX XXXX account : XXXX {$0.00} comments : Not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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.

The letters are stated with items and issues.

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 2023-08-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX I sent a secure note to Mr Cooper requesting a copy of my original loan agreement again. They said I would hear back within XXXX business days. No response. Tried again on XX/XX/XXXX. They said would be in touch with me soon. XX/XX/XXXX messaged again. Same response as before. I called at the end of XXXX. I was told they could not find my documents and would have to send to another department to assist me. They said they would call or mail me when resolved. I have not heard back. In XX/XX/XXXX did a chat with a rep. He stated he too could not find my documents but " assured me '' I would get a notice along with my documentation. At this point I am POSITIVE we do not owe them money and they are just taking our payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I used to have an account with XXXX for internet service ( discontinued service over a year ago ). When I disconnected the account, I paid the remaining balance and returned their satellite and router equipment in their own provided box with their provided prepaid shipping label. I mailed the equipment back well within the allotted timeframe from my local XXXX store and was not provided tracking information due to the label being prepaid. I never thought I'd need it anyway, since I've never had an issue sending any other package. 

XXXX made no attempt to contact me regarding the " missing '' equipment until I received a charge to my bank account in the amount of {$160.00} approximately XXXX months later. When I reached out to resolve the issue, no one could get answers as to where my equipment was. This was likely due to the fact that they waited approximately XXXX months to illegitimately charge my account. That also conveniently happens to be the time XXXX is no longer able to retrieve tracking information. I was told a claim was submitted to a supervisor and when I reached out to them again days later, I was told that they couldnt find my equipment and I was responsible for the fraudulent charge. At this point, I had to file a dispute with my bank, who reversed the charge upon completion of their investigation. 

XXXX made no attempt to contact me prior to initially charging my account, no attempt to contact me after the charge was dismissed from my account, and no attempt to contact me before they decided to send the fraudulent " debt '' to a collections agency ANOTHER XXXX months after my bank settled the dispute, so we're now over XXXX year since I discontinued service. 

I can not believe I am being held responsible for a companys poor tracking and receiving practices. Dealing with a collections agency and having to jump through hoops to prove I am not responsible for their failure to find a package is infuriating. I paid everything owed in full and their claim that I did not return their equipment is absolutely nothing short of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: FL

Complaint narrative:
XX/XX/23 I have filed an electronic dispute with Experian, XXXX, and XXXX XXXX for an auto loan account named XXXX ( XXXX XXXX XXXX  ). They have this same car loan on my credit report with XXXX XXXX which is legitimate.This non action and indifference is being performed in collusion with a group of informants and federal agents as a synthetic identity theft. This has negatively affected my credit line and score deliberately.

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 2023-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
Good day, I hope this message finds you well. 

I am writing to address a recent issue with my XXXX score, which was negatively impacted by an account reported by CREDIT MANAGEMENT LP without prior notice. Upon discovering the impact on my score, I promptly contacted CREDIT MANAGEMENT LP to dispute the reporting of the account without prior notification of the outstanding payment. To my surprise, I learned that the reported payment was related to a contract termination fee with XXXX XXXX. 

In an effort to resolve the matter and reverse the negative impact on my score, I immediately settled the outstanding payment with CREDIT MANAGEMENT LP on the same day. Despite settling the payment, I have not seen any positive change in my XXXX score up to this date. 

Earlier today, I contacted XXXX to inquire about the account and explore the possibility of disputing it. However, I was informed that there is no account to dispute as the payment has already been settled. Subsequently, I also reached out to CREDIT MANAGEMENT LP again, but they were unable to provide further assistance, stating that the payment has already been resolved. 

As my XXXX score continues to be negatively affected, I am turning to you for help and guidance in resolving this matter. Your expertise and support in addressing this issue would be greatly appreciated. 

Thank you for your attention to this matter, and I look forward to your assistance. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These fraudulent accounts do not belong to me XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2023-08-02 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:
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 U.S.C.1681 XXXX, XXXX ACCT # XXXX has violated my rights. 
15 U.S.C. 1681 Section 602A States I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 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 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 2023-08-02 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: PA

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 paty.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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX & XX/XX/XXXX I was denied and furnished with 2 hard inquires. I was falsely misled and deceived into applying by advertisement with deceptive emotional ploys by email and physical mail as well as advertisement through XXXX and I was not given proper disclosures about hard duplicate inquires. I feel very discriminated upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Section 4021 of the cares act amends the FCRA by adding a new subsection ( F ) to section 623 ( 15 USC 1681. 2 ( a ) ( 1 ) to reporting obligations of creditors that provide an accommodation to consumer affected by Covid 19 who have requested accommodation durning the cover period of Covid 19 pandemic. I was affected. Im requesting to be accommodated by deleting or deferring account. In addition 15 USC sec 604 states consumer cant furnish my information without my written consent. Never wrote anything to give you the right to commit this act. Also, USC 166B states a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. You have committed multiple violations in accordance with the FCRA and FTC. Violations are subjected up to {$1000.00} per violation. I demand you remove immediately from XXXX, XXXX, and XXXX. I will also file a complaint with the CFPB.

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 2023-08-01 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Section 4021 of the cares act amends the FCRA by adding a new subsection ( F ) to section 623 ( 15 USC 1681. 2 ( a ) ( 1 ) to reporting obligations of creditors that provide an accommodation to consumer affected by Covid 19 who have requested accommodation durning the cover period of Covid 19 pandemic. I was affected. Im requesting to be accommodated by deleting or deferring account. In addition 15 USC sec 604 states consumer cant furnish my information without my written consent. Never wrote anything to give you the right to commit this act. Also, USC 166B states a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. You have committed multiple violations in accordance with the FCRA and FTC. Violations are subjected up to {$1000.00} per violation. I demand you remove immediately from XXXX, XXXX, and XXXX. I will also file a complaint with the CFPB.

Company response to consumer: Closed with explanation