vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Data Mortgage Inc.
State: CA

Complaint narrative:
Our mortgage loan was sold to Essex Mortgage and we have been unable to reach anyone from the company. 

I have made several attempts requesting a call back through their automated system ( XXXX ) as well as sending an email to ; XXXX ) and no response. 

Our mortgage for the month of XX/XX/2023 is approaching and we have no communication/clarification on the amount due and/or start dates to pay and were very concerned. 

We have spoken to our lender ( XXXX XXXX ) numerous times who has also been unsuccessful with clarifying a XXXX payment destination and XXXX XXXX  is now verbally requesting the payment for XXXX be sent to them ( Hence- Premier Mortgage emailed and mailed us letters stating effective XX/XX/2023 we are not to send them any funds ). 

We are first time home buyers and currently stuck between a rock trying to make sure mortgage is paid on time and to the correct Mortgage Company. Please help us!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX has been causing me a lot of hardship by continuing to report inaccurate information on my credit report. I started to file disputes for investigation in year XXXX. They have also been continuing to call and harass me for payment arrangements on an unverifiable account that has not been proven to be accurate. I have made multiple investigations and no changes have been made. 
They have been in violation on multiple account possible having to cause me to hire an attorney. They have told me via mail letter in XX/XX/XXXX that everything was accurate, and I pulled my credit report XX/XX/XXXX and it's still not accurate nor has this account been verified as accurate this has been reporting for 7 years to date. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting.

605. Requirements relating to information contained in consumer reports ( 15 U.S.C. 1681c ) ( 4 ) Accounts placed for collection. Or charged to profit and loss which antedate the report by more than seven years.

606. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ( I Did not receive any1099 for this account charge off, I did not receive all information that was requested. ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Please remove this account. 


XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX, UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I CONTACTED EQUIFAX CREDIT REPORTING REGARDING MY PERSONNAL INFORMATIONS SUCH AS MY NAME ADDRESS AND PHONE NUMBER. 
I DID ASK EQUIFAX TO REMOVE ANY OTHER NAMES AND ADRESSES AND PHONE NUMBERS THAT NOT BELONG TO ME THEY REFUSE TO DO SO I ONLY HAVE ONE NAME ONE ADDRESS AND ONE PHONE NUMBER ANY OTHERES MUST BE DELETED IMMEDIATLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Noticed after reviewing my credit report on XX/XX/XXXX accounts, addresses, and inquiries that do not belong to me, also XX/XX/XXXX my bank account was compromised for XXXX dollars. I am a victim of identity theft and would like all accounts and addresses removed from my credit report. Accounts listed below, 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

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 2023-08-29 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Noticed after reviewing my credit report on XX/XX/XXXX accounts, addresses, and inquiries that do not belong to me, also XX/XX/XXXX my bank account was compromised for XXXX dollars. I am a victim of identity theft and would like all accounts and addresses removed from my credit report. Accounts listed below, XXXX XXXX XXXX, XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: PA

Complaint narrative:
XXXX in the amount of XXXX the company name is mrs. BPO llc.

I spoke to them trying to get it removed because they had the wrong address and I never dealt with this company at all. I called the original debtor they have no records of me at all. The original debtor is XXXX XXXX  Please remove from all credit reporting agencies. Thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.

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 2023-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I established an account with Venmo in XXXX, 2023. Shortly thereafter, a friend transferred {$250.00} USD into the account. Since establishing the account I have been blocked from adding a bank account or otherwise transfer the {$250.00} out of the account. I have made multiple requests to Venmo customer service for support and have provided images of my Wisconsin Drivers License as well as a copy of my bank statement in response to requests from Venmo. To date I am still unable to access the funds. Venmo has not provided any explanation for why the account was initially frozen, and now suspended, nor have they allowed me to access the money that was transferred into the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 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: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
Bridge Crest financial is reporting on my consumer report. I never received a letter from them asking if they had permissions to report this on my consumer report. I find this to be a violation of my rights and fair credit reporting as a consumer I have the right to what is reported on my credit. This has kept me from purchasing a XXXX as I am a XXXX trucker who is desiring to own my own truck. For the betterment of my family welfare. Under section 1604 ( 15 U.S.C.1681b ) Im requesting that this account be removed from my credit report immediately. 

I have proof from XXXX that call me and stated this is on my Report and I could not purchase until this is taking off. My name is XXXX XXXX, ss # XXXX address XXXX XXXX XXXX XXXX tn again please remove this from consumer report.. thanks

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 2023-08-29 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: EQUIFAX, 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 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: WI

Complaint narrative:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.

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 2023-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
This is to complain against Coinbase. 
I wish to practice my right as a customer of Coinbase to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute with Coinbase. 
In order to clear up the myriad of letters and correspondences I have hitherto sent to Coinbase respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case, and analysing the relevant facts in an objective and comprehensive fashion. 
It is crucial to note that I have been manipulated, socially-engineered and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognise that I am the victim of an investment scam. 
My complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of Coinbase to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers. 
During the complaints process with Coinbase, I found their communication ineffective, which further hides their conduct to management and diminishes the service offering to their clients. 
They are struggling to adapt their business offering in the ever-changing world of IT development. The internet is presenting a real problem which they choose to manage in a way which is not in line with rules and regulations of CFPB as well as their own internal policy and procedures sold to their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: KS

Complaint narrative:
I woke up to an email that said there is a new login to your chime account and one that said the direct deposit form was attached. I don't have a chime account. I tried to log in and change my password but the phone number was not mine. 

I called the company and after speaking to multiple people, they said that their emails only come from XXXX email address. It was not the one that was listed on my emails. The emails themselves were verified legitimate by XXXX and had links that went to the chime website. 

XXXX more emails came to me. One said that a debit card was being sent to a previous address of mine. The other said there was only one step left for XXXX XXXX XXXX card. 

The company refused to look into it. Every email came from the chime.com domain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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

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 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
XXXX bank let a party taken XXXX out of my account with a fake name. The customer withdrew XXXX with a withdrawal slip of XXXX XXXX XXXX then went to another bank as I was told by XXXX bank and withdrew XXXX using the name XXXX XXXX XXXX then went again to a XXXX bank and withdrew XXXX. This all happen between XXXX XXXX or XXXX until I puts a freeze on my account. They stated the fraud took place in Florida and I like in XXXX. I was in Georgia from XXXX XXXX. I made a police report and had my account changed but I still am out of XXXX. How can some one withdraw money with the wrong name and signature at XXXX bank and no REDFLAGS GO UP to question the party making the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Time Investment Corporation
State: NC

Complaint narrative:
I am writing to express my deep disappointment and frustration with the exorbitant interest rates that have been applied to my Time Finance loan. The recent statement I received has left me astounded by the high interest charges, which I find to be unreasonable and unexpected. 

When I initially entered into an agreement with Time Finance, I did so with the understanding that the interest rates would be fair and in line with industry standards. However, the current interest rate has far exceeded my expectations, making it increasingly challenging for me to manage my finances responsibly. 

I have always been a conscientious and diligent borrower, consistently making my payments on time and adhering to the terms and conditions of our agreement. Therefore, it is disheartening to see such high interest charges that are not aligned with the trust I have placed in Time Finance. 

I kindly request a review of my interest rates to bring them into a more reasonable and manageable range. I believe that fair treatment of customers, especially those who have demonstrated financial responsibility, is essential for maintaining a positive relationship between Time Finance and its clients. 

I am open to discussing this matter further and finding a resolution that benefits both parties. I hope that Time Finance values its customers ' financial well-being and will take steps to address this concern promptly. 

Thank you for your attention to this matter. I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX someone accessed my account and removed funds in the amount of ( {$2500.00} ). I was informed by the bank that this money went to a XXXX XXXX XXXX account via XXXX and provided with a name and phone number of the receiver. In the meantime they issued me a temporary credit on XX/XX/XXXX  for the stolen {$2500.00}. 

On XX/XX/XXXX  I received yet another email stating that they found no error in this XXXX payment and on XX/XX/XXXX  they will be removing the {$2500.00} credit. I outreached the bank regarding this and was provided with the same response, that I sent this XXXX to XXXX XXXX XXXX and there is no error. 

I can ensure you that I did not send any XXXX  payment to anyone especially at XXXX in the morning. This XXXX  person is not listed in my contacts either, so again Im clueless as to who stole my money, yet again from my account. 

Nevertheless, due to the ongoing problems I have encountered with this account I have closed the savings however was unable to close my checking due to bank policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

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 2023-08-29 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My husband and I have a mortgage through XXXX XXXX XXXX XXXX . In XXXX I called and tried to get help with out loan due to inflation costs we started to struggle with payment. After months of moving me from one plan to another they sent us a letter stating we were approved for the Covid-19 Recovery Standalone Partial Claim ( the " Plan '' ).

In this letter one of the bullet points states, ' We will waive any late charges, fees, or penalties assessed to your on or after XX/XX/2020. 

I have called the numerous times and have filed disputes with XXXX, Experian, and XXXX and resulting in them not taking off the payments. We have 5 late payments showing on our report and we are unable to get another loan to move to a different house with a smaller mortgage. I also expressed our home 's ac went out. We have been living in 90 degree temperatures because of our credit. They are continuing to refuse to remove the late payments.

Thank you so much for your help on this matter.

*They are also not explaining to consumers what types of things are covered for Covid-19 payment relief. Meaning I had to ask after months if inflation was part of this plan. I believe the company is doing this to many other people and are going to cause them to loose their homes.

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 2023-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: FL

Complaint narrative:
I talked to National Recovery Agency, and they say I owe them money. I don't know how. Maybe someone with a name like mine got mixed up. But I know my identity was stolen. Someone used my info to make new accounts with banks I never used. I'm working with banks and the three credit places to fix stuff because they got things wrong about me on my files. It's a different issue, but related. 

I want to say, the address they think is mine is wrong. I live in the same city, but not there. This is a big problem because it shows the debt isn't mine. Why is this on my file, and how did they get my info? And why didn't XXXX XXXX send me a real bill before giving my info to this company I don't know? 

This looks like someone stole my identity. They say they got my info from XXXX XXXX, but I want them to show a detailed bill, not just an email with a number saying someone owes money. 

If they can't show the bill, I want them to take this off my credit papers. It's not fair because of wrong stuff and identity theft. This is just more trouble that shouldn't be my 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 explanation