vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XXXX XXXX XXXX  closed my account in XXXX ever since I try to get the outstanding balance which is USD XXXX without any success. whenever I call their hotline they transfer me around. their support agents claim they create a ticket and then cut me off when they dont know what to do with the case. today the XXXX of XXXX I spend another 2 hours on their hotline being transferred around. one agent says they mail a new check, next agent says the balance is XXXX and cant tell where the money went. completely disorganized scammers just telling you stories and transferring you around without never ever giving you access to your funds. I need the authorities to look into 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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Upon reviewing my credit report, I am distressed by the discovery of a late payment notation, despite not having any late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: IQOR US INC
State: WA

Complaint narrative:
I declared XXXX XXXX XXXXXXXX in XX/XX/XXXX and it was discharged XX/XX/XXXX. XXXX claims to be unaware of the discharge and that I owe them the remainder of the student loans. As the amount owing far exceeds the amount of tuition it would have been wiped out in bankruptcy. Amount currently owing is {$XXXX}, the cost of attending the XXXX XXXX XXXX XXXX was {$XXXX}, I graduated in XXXX and made payments until XXXX XXXX. The amount owed does not include federal loans also used To pay for attending which total {$XXXX}. XXXX has ruined my credit score in reporting that I have not paid them. As the XXXX XXXX XXXX XXXX was one of many for profit schools listed in the Attorneys general lawsuit against XXXX for defrauding students through predatory loans and they should have been discharged undeXXXX XXXX and or the Holder rule. Allied interstate has continued to try and collect this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had a account with Union Bank since XXXX. In XXXX I opened up a XXXX XXXX XXXX. Sometime in XXXX my card was constantly red flagged with fraudulent charges. The solution to me realizing funds were illegally taken was to open a new account due to the fraud. After changing the account when going into a branch for money around $ XXXX was missing, unfortunately they said I had a merchant account and master card mumbo jumbo I couldnt get the money back. For the 3rd account I opened it as a personal with my checks reading separately XXXX XXXX XXXX XXXX XXXX  the same fraudulent activity began. Arguing with union bank there is no merchant service and I made sure to make most of the deposits in cash increments during the month let record reflect. I never got a resolution to any of this and lost a business generating up to $ XXXX in XXXX alone, my account was being mishandled after arguing and disputing many charges one in particular XXXX XXXX although was denied by Union Bank months later after receiving checks. During multiple disputes XXXX XXXX XXXX, XXXX, and many more fraudulent accounts continued to have a hay day at my expense. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I did not apply for no car loans the companies pulled my credit without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received my federal income tax return on XX/XX/2024 I was on vacation inXX/XX/XXXX visiting family and my account was working just fine for a few days until I tried to book anXX/XX/XXXXXXXX for mt XXXX birthday Citi bank decided to lock my account and I could not access my account even going to the bank with proper verification they refused to unblock my account. I went to a second Citi bank a few days later I was there for XXXX hours and was able to get the account unblocked the very next day the put another block on my account and I couldnt access my money again I went back to the bank and with proper verification and then I find it that they are closing my account and they would not tell me why my account was being close or why I couldnt have my money. I was told I would receive a check by mail at my home in XX/XX/XXXX. I explained to the manager at the bank that I was on vacation and if I didnt have access to my money that me and my XXXX children would be completely stuck and I wouldnt be able to buy food or diapers or even be able to pay my gas to drive back toXX/XX/XXXX when my children needed to attend school and I needed to go back to work. I was stuck in XXXX  with my children for 3 months because the bank would not give me my money and still today they have not given me my money it is {$XX/XX/XXXX} at that time and then money was sent back to my account because of payments that didnt go through. It has been months and I have yet to receive my money every banker I speak to ends up hanging up on me or scheduled a call back and I never receive a call back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
Coinbase  XXXX # : XXXX I have been a Coinbase customer since XXXX. I have several crypto currencies in my account for years. I wanted to send crypto to another Coinbase account of someone I know personally. On XX/XX/XXXX I was able to send {$XXXX} worth of XXXX to said person. I wanted to make sure I had the correct XXXX address just in case something went wrong on the transfer. The {$XXXX} of XXXX went through immediately with no issues. 

I then attempted to send XXXX XXXX to the same account I sent the {$XXXX} of XXXX to. Coinbase didn't allow this transaction to complete and I received a message saying my account was " restricted '' from transferring crypto until XX/XX/XXXX! No explanation was given why. 

I have updated all of my Coinbase personal information and XXXXoinbase verified that I was successful. I assumed this would remove my restriction. Nothing happened, my account is still restricted.

Coinbase has dozens of customers who have posted similar experiences on social media channels. Coinbase will not give anyone the reasons why their accounts are restricted. Please help and make Coinbase stop doing this especially without giving customers ways to resolve the issues. Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
XXXX is trying to collect a debt that I'm already in a payment arrangement with another company for the debt they are suing me for. They are violating my rights as consumer by attempting to collect 2 times for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Back in XX/XX/XXXX, my employer cut my hours at work from XXXX hours a week to XXXX hours a week in order for me not to get laid off. I contacted XXXX XXXX XXXX to inquire about a forbearance until my hours were increased back to full time. On or around XX/XX/XXXX, I reached out tXXXX XXXX XXXX XXXX and was offer a 90 day forbearance for the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments. I was told then if I need more time, to contact XXXX XXXX XXXX prior to the expiration date of my forbearance for a possible extension. 

At the end of XX/XX/XXXX, I reached back out to XXXX XXXX XXXX  to inquire about extending the forbearance period and was told I had to wait until XX/XX/XXXX, when the current forbearance period expired to request an extension. 

So I called back on XX/XX/XXXX, and was told my loan was not eligible for a forbearance extension and I would be reported as 90 days delinquent. They never told me that once the forbearance expired, I would automatically be reported as being late to the credit reporting agencies. When I called in at the end of XX/XX/XXXX to extend the forbearance, they should have known their own internal policies and procedures to validate if a forbearance extension was possible. That would have given me the chance to bring my loan current rather than damaging my credit that I've worked so hard to maintain. 

I reached out to their XXXX Offices several times and was denied to have my credit fixed because of their lack of transparency. I brought my loan current a few weeks after that, but the damage was already done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I have disputed this company regarding a fraudulent account, starting on XXXX, and after the investigations on XXXX I had results from all XXXX bureaus resulting in removal from my credit file. on XXXX it appeared again I called the company, and the information they gave me was inaccurate. I told them my correct address and they said they were going to update the inaccurate information with the correct information I gave them now they are using the information I gave them to validate this account. I contacted capital one 's fraud department I was denied access to the department that has this claim. and was told there is nothing that could be done, I have all the necessary documents on file with the bureau 's FTC report etc, at XXXX XXXX I spoke with XXXX ID # XXXX XXXX a XXXX in fraud and dispute. it has been over 90 days and full investigations by all 3 bureaus. and XXXX XXXX has violated my rights to fair and accurate reporting. I am attaching proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I have disputed this company regarding a fraudulent account, starting on XXXX, and after the investigations on XXXX I had results from all XXXX bureaus resulting in removal from my credit file. on XXXX it appeared again I called the company, and the information they gave me was inaccurate. I told them my correct address and they said they were going to update the inaccurate information with the correct information I gave them now they are using the information I gave them to validate this account. I contacted capital one 's fraud department I was denied access to the department that has this claim. and was told there is nothing that could be done, I have all the necessary documents on file with the bureau 's FTC report etc, at XXXX XXXX I spoke with XXXX ID # XXXX  XXXX a XXXX in fraud and dispute. it has been over 90 days and full investigations by all 3 bureaus. and XXXX XXXX has violated my rights to fair and accurate reporting. I am attaching proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: GA

Complaint narrative:
I am writing to follow up on my previous dispute regarding a fraudulent account that is still erroneously reporting on my credit report. Despite my efforts to rectify this matter, the fraudulent account remains unresolved and continues to negatively impact my credit score. 

As I stated in my initial dispute letter dated XX/XX/2024 I have never opened or authorized the account in question. I have taken all necessary steps to report the fraud to the appropriate authorities, including notifying the creditor in question of the fraudulent activity. 

It is disheartening to see that the fraudulent account is still present on my credit report, as it has caused significant distress and financial hardship for me. This inaccurate information has affected my ability to obtain credit, secure loans, and even impacted my employment prospects.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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. 

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 explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I always made sure that I paid on time, why there is a mistake in my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This account status of XXXX XXXX Account # XXXX status has been inconsistently updated. On XXXX status is " CLOSED '' On Equifax status is collection/chargeoff and on XXXX status is 120 days late. If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: VA

Complaint narrative:
This account status of XXXX XXXX Account # XXXX status has been inconsistently updated. On XXXX status is " CLOSED '' On XXXX status is collection/chargeoff and on Experian status is 120 days late. If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account from my 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