vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: MI

Complaint narrative:
I'm a licensed XXXX XXXX XXXX in Michigan. My client sold her home and the title company requested a payoff for a closing date of XX/XX/23. On XX/XX/23, the title company received the payoff amount due for XX/XX/23. It's been one week since we closed on her property and we received an email from The Money Source stating that she owed an additional {$930.00} because the loan was entering foreclosure on XX/XX/23 and includes additional fees and costs from the attorney. The email states the payoff amount they sent the title company was correct for the closing date of XX/XX/23. 

If they do not receive the additional {$930.00} by tomorrow ( XX/XX/23 ), they will return the original payoff amount and send a new updated payoff request which will include other fees and costs. 

I feel that this is a very bad business practice. Once the payoff amount is sent from the mortgage company, that should be what the payoff is. Additional fees should not be added. I'm attaching the payoff amount from the mortgage company for the date of closing, as well as correspondence. Thank you for looking into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NJ

Complaint narrative:
THIS COMPANY HAS HELD MY UNEMPLOYMENT MONEY FOR YEARS AND THEIR PROCESSING IS NEVER ENDING. THEY OWE ME AROUND {$1400.00} AND STILL HAVE NOT DISBURSED MY MONEY.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-26 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: OH

Complaint narrative:
As I pulled my credit report after having identity theft I notice hard inquires on my report that I never applied or have any knowledge of. On XXXX XXXX XXXX  I sent a certified mail letter to a company called Comenity Bank Forever 21 regarding this unauthorized inquiry to my consumer report that took placed on XX/XX/XXXX which they are in violation of the fair credit report act ( FCRA ) CODE : 15 U.S.C 1681. Without my authorization. I have not initiated any transactions with this company and I do not have an account nor have I benefited from this company as defined under code 15 U.S.C 1693a ( 2 ) with Comenity Bank Forever 21. Furthermore, under the FCRA Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years or both Code 15 U.S.C 1681n ( a ). I was willing to settle this matter without any admitted liability. However, I not received back a response from Comenity Bank Forever 21. Nor have I received any validation with my hand written signature on it, Im seeking the removal of this inquiry from my credit report due to fraudulent activity that has been took placed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: R.M. Galicia, Inc.
State: OK

Complaint narrative:
I have 3 or 4 delinquent accounts from progressive management that should not be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: MI

Complaint narrative:
XXXX XXXX parked two accounts on my consumer report without mailing or calling me I gave them my address cause they had the wrong address I never lived at XXXX XXXX XXXX this impacted my insurance my credit card accounts and the refinancing of my house 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. As a consumer I have the right to opt out and Im exercising my right to do so.

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 2023-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
I have tried for almost 2 years to get PSLF from my federal student loan provider and have been unsuccessful. This all occurred after my student loan provider switched to MOHELA.

I have submitted forms multiple times throughout the 2 years without any approval, or communication about why it has not been approved. I qualify for forgiveness and they will not give it to me for some reason.

I can not stand dealing with MOHELA anymore. I am a resident physician who works at a nonprofit. I have worked at a nonprofit hospital for 3 years now. There is no reason I should not be approved right away for PSLF.

Every time I try to communicate with the company I never get through or hear back. They never give me explanations on why I am not approved for PSLF. 
I attached my most recent PSLF form below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WI

Complaint narrative:
I'm not sure if I'm in the correct category. 

Company : Coinbase Inc. 
XXXX XXXX XXXX. 
# XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have had an account with Coinbase for many years, but in the past few months they have created a situation that makes it next to impossible to get my funds out. They say, " It's increased security for your good! '' That would be fine if it was even close to workable. They repeatedly lock/block me from using my account for no reason. You can never reach anyone above the first level of support and are always promised the next level up will reach out via email. Those emails never come! 

A XXXX  of weeks ago I spent XXXX hours on the phone desperately trying to get my account unlocked. The individual insisted I needed to change my phone setting to get a clear picture. Each time I'm locked out I need to take a selfie holding a piece of paper with the statement, " For Coinbase Verification Only '', while holding my drivers license. While this may seem simple it is far from simple as you need to have the drivers license and your face in focus. I couldn't find a setting he repeatedly told me to change so I asked what type of phone he had. He sated he had an XXXX, I also have an XXXX. I asked him to open his camera settings and guide me to the setting that required changing. He replied, " I don't have that information! '' That's just XXXX of many examples of how they refuse to help their customers. After about XXXX tried he stated he had an exceptable photo, but the system refused it because of too many attempts. 

I waited a XXXX  of days and tried to log in, couldn't and waited a XXXX  more. No email arrived ever. I kept trying. I finally got in yesterday and was able to move some assests out to other accounts. 

This morning I woke up and discovered I was once again locked out of my account and the wa an email with instructions on getting unlocked. I had to take photos of front and back or drivers license and a selfie. All photos were crystal clear, but their system once again rejected them. 

I called and spent almost an hour on the phone going round and round with the guy. He was supposedly back and forth with the next level support person. He finally told me to wait for an email from the higher support which would arrive in a week or so. 

This attitude toward customers where personal finances are affected is irresponsible and should not be allowed. 

Please get my account unlocked so I can move my funds elsewhere and close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-26 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: CA

Complaint narrative:
XX/XX/XXXX I was notified that my info was breached in the XXXX XXXX XXXX and were eligible for 7 years of credit report and the erroneous and fradulant accounts would be investigated and to delete for they are not mine. As of today none of XXXX credit bureaus have complied and has been going on almost XXXX months without any help. 15 U.S.C 1681 and the FRCA act, everything must accurate and fair. The credit bureaus have violated my rights by still reporting these fraudulant accounts, even though I have sent FTC Identity Theft XXXX  and the XXXX XXXX XXXX forms for proof that it was reported and filed XXXX XXXX XXXX and sent out.. The XXXX bureaus continually still shows XXXX different address, names, dob and erroneous and fraudulant accounts on my report. This is a clear violation of my rights as a consumer and the bureaus have refused to delete these obvious inaccurate and blatant erroneous accounts. I will resort to making a thorough complaint also to the XXXX  if these accounts are not deleted. 
I have enclosed FTC XXXX  to request the erroneous errors be removed. 

XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX {$6200.00} XXXX XXXX {$2100.00} XXXX XXXX {$3100.00}

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 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please have XXXX, XXXX, Experian to unlock my credit report. This was not authorized by myself.

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 2023-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
The car dealership charged me for a insurance that was supposed to be peyed back from Wells Fargo at the end of final payment never got any thing at all except a big run a round I'd like to get the money owed to me 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 2023-01-26 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: CA

Complaint narrative:
In accordance with the FCRA Laws The Credit Reporting Agencies Experian, XXXX XXXX XXXX XXXX and all the Creditors that are listed on the credit reports where I made my dispute remarks are uploaded for your convenience, have Violated my FCRA Rights 15 U.S.C. 1681 section 602 A. - 15 U.S.C. 1681 section 604 A sec # 2.

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 2023-01-26 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: TX

Complaint narrative:
n accordance with the fair credit reporting act XXXX XXXXl 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 an account without my written instruction.

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 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit acceptance is a horrible company, I have never been 2 payments delinquent, I had one payment that was late, and even talked to them on the phone about it, but they demolished my credit, they are an absolutely horrible company, with no sense of morality, and they only report your credit when they feel like it, or something goes wrong, until then you're XXXX, and good luck getting them to update it monthly as well. They charge atrocious and outrageous fees at every turn on top of your payments, and don't want you to succeed in paying it off. They target those struggling, or those in desperation, and think that they can't defend themselves.

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 2023-01-26 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I received a loan from the company XX/XX/2020 during the pandemic when my family lost everything. I was not working and the company was advised that and I paid them in full ; more than the initial loan that they gave me. Upon paying the loan the company told me that they would mark my account paid in full with no late fees but instead marked me down as settled. I literally paid them way more then they first gave me. I had disputed before and still no resolution from them. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I received a loan from the company XX/XX/2020 during the pandemic when my family lost everything. I was not working and the company was advised that and I paid them in full ; more than the initial loan that they gave me. Upon paying the loan the company told me that they would mark my account paid in full with no late fees but instead marked me down as settled. I literally paid them way more then they first gave me. I had disputed before and still no resolution from them. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
SantanderConsumerUSAs shady predatory lending practices has placed me in under great financial stress. I purchased a my first vehicle while in XXXX  through Santander and at the time, the car dealership ( XXXXXXXX XXXX XXXXXXXX ) collaborated in putting me a horrendous subprime auto loan ( with an APR of 25 % ) on a used 2016 XXXX XXXX. 

SantanderConsumerUSA was already in hot water for this exact reason after a class action lawsuit was brought up against the lender after numerous complaints of predatory lending practices and giving out auto loans with absurdly high interests rates to via subprime loans to at-risk borrowers. 

I ran into vehicle troubles after my 2016 XXXX XXXX engine imploded and bursted into flames. My insurance company ( at the time ) refused to assist me in any way, leaving me to cover the cost of the engine replacement and repairs. I made communication attempts with SantanderConsumerUSA regarding this matter and the lender and I were able to work out a form deferral ( of 2-3 months ) while I worked on resolving my vehicle troubles. 

After I managed to get my vehicle up in running, I struggled to catch up on my auto loan and its absurdly high interest. I kept making payments ( which ONLY went towards the auto loans interest ), and SantanderConsumerUSA placed my vehicle up for repossession regardless of my most recent payment and after the lender assured me I needed to make at least two monthly payments before the end of that month to be back up to current on the auto loan. That was apparently a lie, after they repoed my vehicle late Thursday morning without any notice ( no telephone call, letters, or emails received ). 

Now I am without transportation and my commute is XXXX miles to and from work. I am honestly baffled that SantanderConsumerUSA is still allowed to continue to operate after the backlash the lender received for its unethical and shady lending practices, leaving hundred of Americans to endure unnecessary financial stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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:
Good afternoon. my complaint is in regards to the XXXX XXXX XXXX account they have listed on my credit files. This account continues to be verified as accurate when in fact the information across all three bureaus is inconsistent. If this account was being properly investigated then the information should be consistent and correct. i have highlighted the inconsistencies and inaccurate information in my attachment to this complaint and detailed them below at the end of this complaint. i did not dispute that the account is not mine, i disputed that the account information posted to my credit files is inaccurate and inconsistent. Furthermore this account was charged off, therefore a 1099 was filed with the irs by XXXXXXXX XXXX and to date i have NOT received a 1099c from XXXX XXXX for which i am due in order to file my taxes. This account being charged off and filed with the irs by XXXXXXXX XXXX is now taxable income for me and income is not to appear on my credit files! im requesting that due to the credit bureaus negligence to properly identify and verify the information before it is placed on my credit file that this account is removed from my credit reports immediately because this is a violation of my fcra rights. 
INCONSISTENCIES found on " verified account '' : Account type : XXXX XXXX XXXXXXXX secured cardXXXX XXXX XXXX XXXX XXXX XXXX  : XXXX {$3000.00} XXXX $ XXXX {$2000.00} Credit limit : XXXX $ XXXX $ XXXX XXXX {$0.00} Date last active : XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 Date of last XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: PA

Complaint narrative:
Good afternoon. my complaint is in regards to the XXXX XXXX XXXX account they have listed on my credit files. This account continues to be verified as accurate when in fact the information across all three bureaus is inconsistent. If this account was being properly investigated then the information should be consistent and correct. i have highlighted the inconsistencies and inaccurate information in my attachment to this complaint and detailed them below at the end of this complaint. i did not dispute that the account is not mine, i disputed that the account information posted to my credit files is inaccurate and inconsistent. Furthermore this account was charged off, therefore a 1099 was filed with the irs by XXXX XXXX and to date i have NOT received a 1099c from XXXX XXXX for which i am due in order to file my taxes. This account being charged off and filed with the irs by XXXX XXXX is now taxable income for me and income is not to appear on my credit files! im requesting that due to the credit bureaus negligence to properly identify and verify the information before it is placed on my credit file that this account is removed from my credit reports immediately because this is a violation of my fcra rights. 
INCONSISTENCIES found on " verified account '' : Account type : TU secured XXXX secured cXXXX XXXX XXXX XXXX XXXX XXXX : XXXX {$3000.00} XXXX $ XXXX {$2000.00} Credit limit : XXXX $ XXXX $ XXXX XXXX {$0.00} Date last active : XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 Date of last payment XXXX XX/XX/2019 XXXX XX/XX/2019 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