vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
On or before XXXX, XXXX XXXX  checking accounts were created fraudulently in my name, were linked without my knowledge to my Coinbase account, and used to steal {$26000.00} USD from me. XXXX  closed these accounts when I reported the fraud and said the accounts were associated with XXXX  XXXX, but they wouldn't give me any information about how to claim my stolen money or file a dispute. XXXX told me to instead file a dispute with " my bank '' ( which in this case would be Coinbase ), but Coinbase says the same thing that XXXX would have to reverse the transactions. The hackers also tried to steal money from my linked bank account and it WAS my bank that reversed that transaction, so it seems in this case that it would be Coinbase 's prerogative to cancel any ACH transactions that were reported as fraudulent. 

The Coinbase transactions in question are XXXX ( {$1900.00} ), XXXX ( {$4900.00} ), XXXX ( {$4900.00} ), XXXX ( {$4900.00} ), XXXX ( {$4900.00} ), XXXX ( {$4900.00} ). Both Coinbase and XXXX seem to have gone to great lengths to obfuscate any information relevant to what steps I can take to get my money back. It could be the case that legally XXXX is responsible for returning my money since someone used their service to create these accounts in my name. Either way I am doing everything I can to try to recover the funds that were stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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 respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
On XXXX I made an online check deposit of {$2500.00} issued by my husband. Huntington Bank put a hold on the check until XX/XX/year>. The next day XXXX I lost access to my online banking and debit card wasn't working. I called the bank, and they told me that my account was under review and no transaction was possible. I requested more information, and they told me that no other information was available. The following day I went to the XXXX XXXX  XXXX and the Banker " XXXX XXXX '' told me that my account was being closed by the bank because of a possible " fraudulent check ''. There was nothing to be done at that moment and to keep waiting. I received a confirmation from the bank today XX/XX/year> that the hold on the check was cleared. I called the customer service number and they said that the account was still under review but I could withdraw the funds at a branch ; after that I went to the XXXX XXXX XXXX  to talk with someone, but they told me, even though the check was cleared, the account was being closed anyway and I will have to wait 30 days to receive my funds on the mail. 
I requested the reason of the closure, and they could not get me any information or my funds. I had XXXX ACH payments that got rejected due to the freeze on my account and now I am dreading in returned payment fees from another institutions. I don't have any other access to cash. I received my direct deposit in this account, and I am unable to fulfill my obligations due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I was a victim of identity theft and someone tried to apply for loans to get cars in my name and the credit card company failed to notify me and to verify with me with the number that's actually on my fraud alert and obtain my consumer report which resulted in inquiries on my credit report do to fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Dear Sir or Madam, I am writing to file a formal complaint against Navy Federal Credit Union ( NFCU ) regarding their failure to adhere to an agreed-upon payment arrangement on my account and their unauthorized charge for the full outstanding balance. 

On XX/XX/year> I entered into a payment arrangement with NFCU for my account XXXX and XXXX where we mutually agreed that I would make a biweekly payments of {$100.00} to settle the outstanding balance. However, on XX/XX/year> NFCU charged my account for the entire remaining balance which is XXXX without my consent and in direct violation of our agreement. 

This action has caused me financial hardship and is an unjustified breach of the terms that we had established. Despite my attempts to resolve this matter directly with NFCU, they have failed to rectify the situation or provide a satisfactory explanation for their actions. 

I am requesting that the CFPB assist in investigating this issue and ensure that Navy Federal Credit Union : Immediately reverses the unauthorized charge for the full balance. 
Restores the agreed-upon payment arrangement and confirms this in writing. 
Provides a clear explanation of why the charge was applied without my consent. 
Please find attached any relevant documentation, including the original payment arrangement, communications with NFCU, and the account statements showing the unauthorized charge. 

I trust that the CFPB will assist me in resolving this matter promptly. If further information or documentation is required, please do not hesitate to contact me. 

Thank you for your attention to this matter. I look forward to your response and assistance. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Equifax will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX ( account number XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Accounts are showing on my credit as active when they have been closed for a while now I have reached out to these creditors they informed me they would delete these accounts from my report, It has yet to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I am writing you with deep concern of an item that has been in dispute with XXXX XXXX since XX/XX/2024. XXXX XXXX reported XX/XX/2024 payment as late to the credit bureaus, however, the payment to XXXX XXXX was made on XX/XX/2024, with a due date of the XXXX of every month. Thus, the payment was made within the 30 day period. 

While severe financial circumstances caused me to pay late the previous months 4 months, I was certain to make sure XX/XX/2024 was paid within the 30 day period to decrease the negative effects on my credit. This was in fact paid on the XXXX day from its due date, still within XXXX XXXX grace period also. 

The proof is attached on my payment records to XXXX XXXX. 

Please assist me as the dispute has continuously been rejected/denied by XXXX XXXX and Credit Bureaus . 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: FL

Complaint narrative:
Hello, I am writing you with deep concern of an item that has been in dispute with XXXX XXXX since XX/XX/year>. XXXX XXXX reported XX/XX/year> payment as late to the credit bureaus, however, the payment to XXXX XXXX was made on XX/XX/year>, with a due date of the XXXX of every month. Thus, the payment was made within the 30 day period. 

While severe financial circumstances caused me to pay late the previous months 4 months, I was certain to make sure XX/XX/year> was paid within the 30 day period to decrease the negative effects on my credit. This was in fact paid on the XXXX day from its due date, still within XXXX XXXX grace period also. 

The proof is attached on my payment records to XXXX XXXX. 

Please assist me as the dispute has continuously been rejected/denied by XXXX XXXX and Credit Bureaus . 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I am writing you with deep concern of an item that has been in dispute with XXXX XXXX since XX/XX/year>. XXXX XXXX reported XX/XX/year> payment as late to the credit bureaus, however, the payment to XXXX XXXX was made on XX/XX/year>, with a due date of the XXXX of every month. Thus, the payment was made within the 30 day period. 

While severe financial circumstances caused me to pay late the previous months 4 months, I was certain to make sure XX/XX/year> was paid within the 30 day period to decrease the negative effects on my credit. This was in fact paid on the XXXX day from its due date, still within XXXX XXXX grace period also. 

The proof is attached on my payment records to XXXX XXXX. 

Please assist me as the dispute has continuously been rejected/denied by XXXX XXXX and Credit Bureaus . 

Thank you, 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 2024-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I disputed the original XXXX debt to this company and I just looked and it was closed. I did not even get notification of the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lloyd & McDaniel, PLC
State: TN

Complaint narrative:
I received a letter dated XX/XX/XXXX / Reference XXXX from Lloyd & McDaniel , PLC regarding an alleged debt from XX/XX/XXXX that I DO NOT ACKNOWLEDGE. Based on the date provided in the notice the alleged debt is beyond Tennessee 's statue of limitations, meaning the collector MAY NOT sue or report this alleged debt to my credit report. Furthermore Lloyd & McDaniel , PLC does not show as licensed in the state of Tennessee to collect debts. A complaint has also been sent to the XXXX XXXX XXXX XXXX XXXX XXXX  to inform them of the potential compliance issue. Please consider my complaints as my official notice to Lloyd & McDaniel , PLC to CEASE and DESIST all contact so that I will not be further harassed regarding an alleged debt that I do NOT acknowledge. Any further attempts will result in my consulting with a consumer rights attorney to explore legal recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Vehicle was sold after repossessed. After what I owe was taken from sold amount there is a surplus of XXXX. 
Td says the check was mailed out on XX/XX/year> but never showed up. 
I have called numerous times and each roof it will be remailed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-13 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: TN

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-11-13 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: TX

Complaint narrative:
o Whom It May Concern, I am writing to request a Security Freeze be placed on my credit file. This request is to ensure that no credit, loans, or services can be approved in my name without my explicit consent, as I want to protect my identity and financial well-being. I understand that this freeze may delay or interfere with any future credit applications I might make. 

Incident Details : I discovered unauthorized activity related to my personal financial information. a fraudulent credit card account was opened in my name and unauthorized attempts to access my credit file. To address this issue, I have taken actions. I have contacted the involved companies and filed a report ]. Despite my efforts, it is necessary to ensure my credit file is fully secured through this freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: IL

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have been with Barclay credit card since XXXX, and my credit limit was initially {$50000.00}. However, in XX/XX/XXXX, they reduced my credit limit to {$5000.00} because I hadn't been using the card as much. I explained to them that I need this credit limit for potential hospital emergencies. 
Additionally, Barclay ran my credit multiple times over the past year, not just for a free credit line increase.

This reduction in my credit limit is negatively impacting my credit score. 
Is it legal for a credit card company to lower the credit limit when the account is in good standing?

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 2024-11-13 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: FL

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
INQUIRIES : XXXX XXXX  XX/XX/year>XXXX XXXX XXXXXX/XX/year>

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 2024-11-13 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:
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 explanation
Consumer complaint received 2024-11-13 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: AL

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: IN

Complaint narrative:
I have had an online brokerage account with Robinhood since XXXX. On XX/XX/XXXX I was logged out of my account while on vacation. I attempted to log back in with my credentials and was prompted that the account has been locked due to a login attempt from a restricted location. I was on a cruise ship from XXXX and returned to the United States on XXXX. I have been requesting every day for Robinhood to unlock my account since XX/XX/XXXX, with no success. I have sent emails, contacted customer service, spoken with live agents when I have been able to connect with one, been put on hold for 5 hours waiting to speak with someone, and followed the instructions for verification that I was given. I am now getting duplicate requests for information that I have already submitted multiple times, with no resolution. My account remains locked with my funds in it. I am afraid at this point that Robinhood has taken my savings with no intention of unlocking this account. They are now asking for me to upload my banking information. 

I am requesting help with resolving this matter, unlocking and regaining access to my Robinhood account and remaining funds in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Applied for a refinance through XXXX 's Wells Fargo Mortgage. Interfaced with XXXX XXXX and XXXX XXXX at Wells Fargo mortgage office. Was promised a XXXX day close, which instead took XXXX months, resulting in additional costs, time and mental duress. 

Calls and Emails repeatedly not answered over this 4 month time frame. Was promised timelines multiple times and those timelines were reneged on. I'm attaching all email correspondence over these XXXX months with the Wells Fargo team. 

First mortgage application was declined stating flimsy reasons, and second mortgage application was kicked off.

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