vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a total of nine closed accounts on my credit report. Four of those accounts have been paid in full within the last 90 days. The other five were accounts That had been settled and should have dropped off of my credit report over the past 10 years. This in accurate information shows up on all of the big three credit reporting agencies, Trans Union, XXXX, and XXXX. The information also shows up on my profile in two of the credit monitoring servicesXXXX XXXX XXXX  and 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 2022-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a total of nine closed accounts on my credit report. Four of those accounts have been paid in full within the last 90 days. The other five were accounts That had been settled and should have dropped off of my credit report over the past 10 years. This in accurate information shows up on all of the big three credit reporting agencies, XXXX XXXX, XXXX, and Experian. The information also shows up on my profile in two of the credit monitoring services, XXXX XXXX and 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 2022-01-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly stats that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days, so they should be deleted promptly. I demand that these accounts be deleted immediately or I will be forced to file for litigation due to the stress you caused me.

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 2022-01-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly stats that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days, so they should be deleted promptly. I demand that these accounts be deleted immediately or I will be forced to file for litigation due to the stress you caused me.

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 2022-01-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly stats that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days, so they should be deleted promptly. I demand that these accounts be deleted immediately or I will be forced to file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a recurring issue with my XXXX store card, issued by Synchrony. Frequently, when I attempt to log into Synchrony 's online service portal in order to access my account information, I am prompted to confirm via two-factor authentication. However, I am prompted to receive a text or call via telephone numbers that I have not had access to for well over a decade, and which I never provided to Synchrony or XXXX. ( I am guessing that these are numbers they may have pulled from stale public records searches or other databases. ) When I attempt to manually input my sole current personal cell number, the one I have provided to Synchrony, it simply refuses to continue the verification process. I am therefore effectively blocked from accessing my account information.

I have had this problem recurring on-and-off for years and have called Synchrony 's customer service at least three times to get this fixed. Each time I have been assured that it is fixed, yet it continues to recur, inhibiting my ability to get my own financial information.

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 2022-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lewis, McDonnell & Associates
State: AZ

Complaint narrative:
I noticed that there was a debt on my credit report that I did not recognize about six months ago but apparently this debt is from 2015 so I called the number listed on the report to find out what was going on. When I talked to they they told me it was a debt for a cell phone or a bill, Im not exactly sure. Apparently they collect for severaXXXX XXXX  phone companies. They couldnt give me any information or find and account after I gave them the last four numbers of my social security number. I was informed that there were eight other people with my same first and last name. The rep told me to email the company for more information so I did. Only after I had given them the last four of my SS did a receive a Validation of debt with the last four of my SS, which was their so called proof but I had just given them the last four of my SS. I told them I wasnt going to sign the paper because it isnt my debt. I asked them to send me proof that this is my account such as a signature or something other then the last four of my SS which I had given them. As of right now I am still waiting for a reply back with the proof. Please help me because I dont know what else to do. Ive also disputed this with a three Credit bureaus several times. I guess call the police on Monday to file a fraud complaint. I also informed the company that I was going to file a police report. The companies name is XXXX XXXX and associates their Email is XXXX. 

Thank you XXXX XXXX XXXX PS this is the second time I have contacted you about this situation but I didnt think I had send everything so sorry for the redundancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Park Hill Holdings
State: GA

Complaint narrative:
I have contacted this company 10 times now about the reports they are furnishing. There have information that is not mine. I have sent in a photocopy of a valid drivers license, Social Security Card or A copy of a utility bill with your current and a copy of my Identity theft report. 
mailing address. They have yet to delete my report with them. They are reporting this information which has cause me not to get approved for years for housing.

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 2022-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2021 I found out that my account was frozen for no apparent reason. I went to the BOA branch in XXXX XXXX NY, I explained whats going on and he made the call he beleived me after that call. I'm on a fixed income and BOA is holding my funds hostage for no reason. I had XXXX XXXXXXXX and I'm on a fixed income and I have XXXX children and can not afford the high corporation bank as BOA to keep getting away with 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 monetary relief
Consumer complaint received 2022-01-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My grandma has an account at rbfcu and made an acct for me there but refuses to give me my card or information for the account she made without my permission. I only know she made an acct in my name because she had given me my account number at one point in time and told me it was in my name but I can't find my account number anymore so I think they'd be able to go by my name? XXXX XXXX XXXX, dob-XXXX, also I have a trust there as well that she says I have no access to but I've seen paperwork on this inheritance account as well. What are my rights to this and am I able to get my account info and card if the account still does exist?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: AZ

Complaint narrative:
When I applied for my loan, my monthly payment was to be {$68.00}. My payments haven been taken out every two weeks so I have have been paying twice that. 

I didn't realize until a few months of paying that Upstart had been debiting my account twice a month instead of monthly. I pulled up an old email just to ensure I was not mistaken and it clearly says my " monthly payment of {$68.00} is due on the XXXX ''. 

Lastly, my account center now says that my monthly payment is {$130.00}, which is not correct. The only conclusion I can make is that my payment arrangement that I originally agreed to was doubled without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
Here are the etherscan links to the two unauthorized transactions : XX/XX/XXXX XXXX XXXX  - XXXX XXXX removed from my wallet https : XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX removed from my wallet https : XXXX My account was setup to require two step authentication for all XXXX. It is still setup to require two step authentication for all transactions. Two step authentication was not attempted for these two unauthorized transactions. 

I saved my XXXX word recovery phrase on my work computer buried in a large XXXX file and on a XXXX XXXX. I did not save it on the cloud, or on a computer/phone that I have ever used for anything Coinbase related. 

Neither the email address that I used for the Coinbase Account, or the email address that I use for my Android account ( for my phone that would receive text messages and submit fingerprint verification ) have any record of a login to these accounts from a new device. These are two different email accounts with two different passwords - another step that I took to protect my account.

I was not sent any email confirmation that my 12 word recover phrase was used during this time. I did use the 12 word recovery phrase on XX/XX/2021, and an email confirmation was sent to me on that day, which leads me to believe that the 12 word recovery phrase was not used by me or anyone else prior to XX/XX/XXXX. 

Coinbase has claimed that my 12 word recovery phrase was used to remove the money from my account, but they have not explained how I was not given an email confirmation that my 12 word recovery phrase was being used, or why they did not even attempt two step authentication with the phone number that was on the account. They refuse to give any other answers to my questions. They refuse to even acknowledge my question asking them to confirm that the wallet address given to me by the Coinbase Wallet is indeed my Coinbase Wallet address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am continually being called on the telephone by this agenvy over an alleged debt. I am requesting validation of this debt.This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. 
I am sure that I settled this account before because it was not mine. This account was taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: HI

Complaint narrative:
XXXX XXXX XXXX XXXX via XXXX XXXX ( third-party service provider for XXXX XXXX XXXX XXXX XXXX ), and Phoenix Financial Svcs ( debt collector ). 
There is a current mark on my credit report pertaining to an ER visit at XXXX XXXX XXXX on XX/XX/2020. This debt was sent to collections ( Pheonix Financial Svcs ) by XXXX XXXX XXXX XXXX via XXXX XXXX. 
The amount requested by the debt collector is : {$1000.00}. I did receive one statement from them during the month of XX/XX/2020, however, this statement appeared to be fraudulent due to the fact that it should have been processed through my health insurance provider. I was in contact with the hospital through the settlement of my bill, and I was notified that everything would be processed directly via XXXX XXXX XXXX. Since I had ignored the statement believing it was invalid and fraudulent, this bill was not paid and was sent to collections ; seemingly unpaid for by XXXX XXXX XXXX as well. I am now unable to get into contact with XXXX XXXX XXXX XXXX and Pheonix Financial Svcs - I have tried filing disputes through credit reporting agencies, requesting validation of the debt to be collected through the Pheonix Financial Svcs website contact form, calling numerous times over days, and I also have tried calling in and sending in message forms through the XXXX  website contact page. 

I've had one reply from XXXX, in which they responded to me with a request to contact them by phone. My disputes filed through the credit reporting agencies did not make any difference either, as the debt collector was alerting credit reporting agencies ( XXXX, XXXX ) that the collection is valid and still outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: HUNTINGTON NATIONAL BANK, THE
State: GA

Complaint narrative:
Hunington Branch Manager XXXX XXXX has been purposely sending out false news & information to the public. He has been threatening me and harassing me by the way of social media and text messages. I have told him numerous of times to stop and for him to call me about the situation so we can settle whatever claim he has. He also has my bank information with Hunington Bank to look into my account and has been bragging to other about the power of connections he has and has over me & what he is capable of doing to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2021, I submitted 3 dispuit letters to Transunion, XXXX and XXXX Disputing 4 accounts asking them to provide proof of accuracy for these accounts. Under the Fair Credit Reporting Act, I was to be provided with proof of accuracy for these acounts within 30 days. However, I recieved no response nor did I recieve proof that these accounts belong to me.

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 2022-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
On XX/XX/2021 I received a package from TD bank. I do not have a TD Bank account so I called their customer service and they confirmed that an account was opened, they immediately closed the account and reported the fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
This complaint goes along with a prior complaint - XXXX. 

USAA still refuses to make me whole for all of their banking errors. I was charged {$250.00} after they froze my account, they admitted this was their error, but they refuse to refund me after I uploaded all the documents. 

To date, they have only refunded me {$82.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-01 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: Nelnet, Inc.
State: TX

Complaint narrative:
I have student loans listed on my credit report with Department of Education Nelnet. I have paid each month on a consisted basis since before the COVID 19 pandemic and currently. I did not ask to be included in a forbearance, because I want the payments that I make each month to reflect on my credit report. 

The PROBLEM is Nelnet has not reported the specific amount paid each month on my credit report. Nelnet has only reported to the credit bureaus a statement that explains I am current without the specific amount displayed on my credit report. 

I have contacted Nelnet 7 times regarding this issue. The representative explained Nelnet would reflect the specific payment on XX/XX/2021. Once again Nelnet fail to correct the problem. This is a HUGE issue for me because I am trying to purchase a home. If the specific payment does not reflect on my credit report, the loan company will have to include the entire loan balance in my debt. I am trying to take advantage of the new Biden Administration rule regarding student loans and mortage loans. 

Again, Nelnet should report my current payment plan I am supposed to make each month and the amount I actually paid each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX, I placed on order on XXXX via PayPal for {$86.00}. I specified the payment method as a XXXX credit card on PayPal. PayPal nevertheless proceeded to charge a saved XXXX XXXX, claiming that this was continuing a recurring automatic payment to that XXXX XXXX ( which it was not ). Their unauthorized charge to my XXXX XXXX caused a substantial interest rate to kick in. 

I contacted PayPal about the charge, asking if they could refund it and instead charge the intended payment method, and their only response was that " this is not a billing issue '' ( which is obviously false ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 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: Kriya Capital, LLC
State: TX

Complaint narrative:
After being on the phone with an agent that could not verify my information this account was almost 10 years old and they still were reporting it to my credit which was a violation of my consumer laws which after 7 years an account should not be still on my credit report. I paid the amount that the agent agreed and In writing, she agreed the account would be removed from my credit report not reported as closed this was a violation of the written agreement that me and the agent if this company both agreed to and now I will be escalating this problem to higher authorities for this matter.

Company response to consumer: Closed with non-monetary relief