vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
Citizen Pay reported my account XXXX, 120 days delinquent to the Credit Bureau in XX/XX/XXXX - XX/XX/XXXX for some extra equipment received from XXXX XXXX XXXX. I did not receive any additional equipment from XXXX. After numerous calls to Citizen Pay and XXXX XXXX XXXX Management, XXXX sent me a credit letter via email for the billing delinquent error from Citizen Pay. I forwarded this credit letter from XXXX XXXX to Citizen Pay and requested for them to stop reporting me delinquent to the credit bureaus. My verbal contract with Citizen Pay is to pay {$62.00} dollars per month for financing of the alarm equipment and I have been forwarding the payments via XXXX XXXX from my bank for 12 months. I need CFPB to reverse these XXXX erroneous delinquency off my credit report from Citizen Pay. The erroneous reporting from Citizen Pay and XXXX XXXX system affected my credit ratings at the XXXX Credit Bureaus and the negative reporting has affected me in obtaining favorable mortgage refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I am not liable for this debt with Credit Control Corp. I do not have a contract with Credit Control Corp. 
Also they did not provide me with the necessary original contract as requested.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I consistently make on-time payments. I'm confident about this. What I'm unsure about is why this company is reporting me as late in certain months, which shouldn't happen. According to USC 1666b, any billing errors should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.

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 2024-05-02 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 have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2024-05-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Shellpoint Partners, LLC
State: ME

Complaint narrative:
Shellpoint Mortgage seems to be refusing to send the assumption packet to my real estate agent. When I first asked if the Mortgage was assembled they told me know. When I called back with my real estate agent on the line they said it was assumable and she would file it but it would take 30 days or more. She also strangely asked me if I had planned on buying another house anytime soon. It's been XXXX weeks and I called today to check on the progress and they can't find any record of the specialist submitting anything, but said they'd submit it today and again I'd have to wait 30 days. I asked to speak to someone higher up and wherever I was transferred to sounded like they another person was called on a different phone and put on speaker to talk to me. This person wasn't helpful either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I attempted to lift a security freeze on my Equifax account. I usually freeze and unfreeze my account once a year. 

They told me there was a " discrepancy '' on my account- though I don't see anything new on my credit report.

In order to lift the freeze, they are demanding that I send a copy of my driver 's license and social security card or a W-2/paystub.

I know that Equifax sells driver 's license information and payroll/salary information. I told them I don't want to disclose this. I think they are attempting to force consumers to give up more personal information. I have had an Equifax account for years so it's not like I'm just now creating an account under my name. I had no problems with the other two bureaus lifting the freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: NJ

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

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 2024-05-02 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: GA

Complaint narrative:
I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2024, Bank of America closed my account ending XXXX. Without letting me know, without prior notice by mail, phone or email.

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 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/year> as Apple Card GS manager actually reached out to me. We again we arguing about the error I am trying to establish and they again denies it all claiming its accurate. After months gone by of me asking for investigation the manager ask me to provide proof. I advise I will and I did partially on the phone but Apple GS will just continue to play XXXX and drag out the process as they are not the one being XXXX with credit reporting. I requested to get a payment or settlement on my account and was informed he needs to transfer me to collection. after 30 plus minutes of essentially beating a dead horse wasting more time of mine. I was transferred to collection dept. After some significant time having them explain their program and what the program accomplish I ask for a settlement option. I was told she needs to transfer me to their other department since she only can offer me payment options. I was than transfer to another department that handles closed account. I spoke to the person and as usual with the circus of a bank, tells me my account isn't closed and she cant help me. I ask what if I closed the account? she replies " your account isn't closed so I cant help you ''. She transfers me back to collections again and again the person comes on and asks me for my name, social and birthday again!. Here I am the same person on the SAME CALL being ask my name social and birthday again and again. Transfer from one department to another department to the department supposedly I need BUT as usual, ITS NOT and they CANT help me. Apple GS continues to waste my time and making things hard to accomplish and difficult so they can continue report your account late. 5 that is FIVE months later they are asking for me to provide more proof when they can easily contact the bureau and who THEY REPORT TO and ask for records of when they did something. I just TRIED to pay them and they made it impossible to. 55 minutes AGAIN today 4 departments later and NO ONE KNOWS WHAT TEHY ARE DOING. it's like little kids in kindergarder, no he is it, no he is it, no he is it. They also purposely left my account open just to be able to do more damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This grievance is not without merit. My credit report contains inaccuracies and incomplete information, which is unduly distressing and adversely impacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX Dear Commissioner XXXX XXXX XXXX, I have an account at Coinbase. 
I received and email saying XXXX XXXX XXXX, Coinbase is committed to working with local regulators around the world. As part of that commitment, we are required by law to periodically confirm and update the personal identifying information of its customers, otherwise known as Know Your Customer or KYC information, and the time has come for us to refresh your KYC details. 
Which I received Sat, XXXX XXXX at XXXXXXXX XXXX I have been trying to access my account without success. The company had copy of my driver licenses front and back. My correct email, cell phone number, password. I was denied access to my account because my video was not acceptable. 
I called XX/XX/XXXX and had to cut call short. I received this email afterwards. 
On Tuesday, XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX, Coinbase Support XXXX wrote : Hi XXXX, Your account functionality is currently limited because the information on your identity verification document didn't match the information you originally entered during sign-up. 

To comply with applicable regulations, Coinbase must maintain current, accurate, and matching customer information. This helps ensure that our customers can use our products and services in a safe and secure way, and we appreciate your patience with this process. 
I also believe Coinbase is attempting make it so difficult for people to access their account with Coinbase that Coinbase will be able to claim the account holder has abandoned the account. I believe after an account is abandoned a certain amount of time Coinbase can claim the funds as theirs. 

I want all my assets in Coinbase liquidated and funds deposited into my XXXX XXXX XXXXXXXX account. 

I would like the XXXX to regulate Coinbase so they use less arduous proof of customer identification to prevent XXXX abuse of customers. 

Thank you. 

XXXX XXXX XXXX phone ( XXXX ) XXXX Cell Phone ( XXXX ) XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I consistently make on-time payments. I'm confident about this. What I'm unsure about is why this company is reporting me as late in certain months, which shouldn't happen. According to USC 1666b, any billing errors should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
According to FCRA 605B, it's necessary for us to eliminate any inaccurate accounts from my credit report. Could you review the documents? Several of the accounts listed contain inaccurate information. I am entitled to receive {$1000.00} for each inaccurately reported item on my credit file.

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 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
I consistently make on-time payments. I'm confident about this. What I'm unsure about is why this company is reporting me as late in certain months, which shouldn't happen. According to USC 1666b, any billing errors should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.

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 2024-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
I received an email that claimed to be representing a company called XXXX XXXX XXXX. They claimed that the last payment I paid was {$50.00} on XXXX and still owed {$690.00}. 
They claimed that they took over this account from XXXX XXXX and I could pay off this debt by only paying {$340.00} in up to XXXX payments and save {$340.00}. 
They said the current creditor is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  XXXX : LATE PAYMENT XX/XX/year> Account # XXXXviolated 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Funds were supposedly transferred into my account by a XXXX purchaser of my XXXX knife set. I also had an {$800.00} balance with Venmo from a transaction a year ago that I did not know I had received. I requested the funds transfer to my bank a week ago. 
All I've received is XXXX XXXX  excuse after another as to why the transfer can not be made. 
I'm beginning to suspect a fraudulent scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: TomoCredit Inc.
State: IL

Complaint narrative:
The service is Tomo Credit, specifically Tomo Boost. 

Here is my issue, with screenshots/emails to back this up. 

XX/XX/XXXX, I emailed Tomo to cancel my subscription of their " XXXX XXXX '' for {$34.00}. 

They didn't reply until XX/XX/XXXX ( charging me another month ), and assured me it would be cancelled. 

It is XX/XX/XXXX, and the subscription is still not cancelled. Not only that, but this service reports to the credit breaus with an account on my credit as TOMO. 

This account was closed in XXXX of XXXX, yet they are still charging me {$34.00} every month. 

When I emailed them again to cancel this, and put in a chargeback for the month of XXXX, their customer service is actively refusing to cancel it, for no reason other than " we want to secure your financial future ''. 

Their website also does not have a cancellation feature. You can not remove cards for the subscription. You can not remove bank accounts. You can not cancel your membership. The only way to cancel is through their support at XXXX, and they do not cancel it. Instead, they gaslight. 

Highly un-professional and borderline a scam. The whole point of the boost service is to 1 ) make an account on your credit 2 ) report on-time payments 3 ) this is a monthly service cost of {$34.00}.

Tomo has removed my account on my credit, and is not reporting on-time payments, but they are still charging my account! This is fraud! 

Since XX/XX/XXXX, {$34.00} has been taken unwillingly despite multiple emails to cancel the service. 
That is {$310.00} of my money taken, while also hurting my credit by 10 points. All thanks to this " service ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: NJ

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-05-02 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: NJ

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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