vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-06 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Late payments from XXXX in XXXX and late payments from XX/XX/XXXX to to XX/XX/XXXX because of a natural disaster ( hurricane Ida ). lost of job in both instances

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: AR

Complaint narrative:
Applied for XXXX program and submitted employment verification in XXXX. In XXXX received notification that my employment verification was denied because of my employers signature. I had to contact employer and get them to resign and I resubmitted corrected form in XXXX. This apparently put me at the end of the line and I have heard nothing since that time. My corrected form was submitted XX/XX/XXXX. Its been a month and nothing. Ive been trying to get this verified since XXXX. I dont u detest and why a simple corrected signature would take so long to verify. Should not have been placed at the end of the line as this should have been an easy fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: OH

Complaint narrative:
Hello, I am writing in response to a Coinbase issue I have ran into in which shares were taken from my account XXXX purchased XXXX shares on XXXX for XXXX. On XXXX the shares in Coinbase showed I had {$75000.00}. 
Coinbase deducted my account and illegally took XXXX shares of XXXX without my consent. These shares are currently valued at {$100000.00}. I am requesting the Shares I purchased be reinstated on my account immediately to avoid further action. Please update # of Coins from XXXX back to XXXX which is what I originally purchased. Proof of ownership is listed below. 
{$980.00} ( after coinbase fees ) at XXXX per XXXX. I owned XXXX units and these were valued at {$75000.00} in Coinbase on XXXX. On XX/XX/22 Coinbase updated my share ownership from XXXX units to XXXX with no notice. I understand from the site they have technical issues and suspended trading of these but they need to warrant the transactions that were made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-06 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: IN

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions

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 2022-07-06 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: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I was alerted by my identify theft alert program, XXXX XXXX XXXX that a Pentagon Federal Credit Union ( " PenFed '' ) loan for approximately {$1500.00} was taken out in my name on or about XX/XX/2022, with an address in XXXX associated with the account. I have never done any business with PenFed, I never authorized anyone to take out a loan in my name, and I have never been to XXXX I contacted PenFed after receiving that notification, told them it was fraudulent, and was given a PenFed XXXX Fraud Reference Number of XXXX. The PenFed rep said they would mail me an affidavit to submit to PenFed to flag the account as fraudulent and that I would not be on the hook for the fraudulent loan. I never received an affidavit. I called PenFed again about a month or two later and told them the same story again. This time I was promised that the identify theft department would investigate it but was not given a new Fraud Reference Number. Today, I received an alert from XXXX that PenFed reported this account as delinquent and it negatively affected my credit score by XXXX points. PenFed has not investigated this fraudulent account, has not frozen the account pending an investigation, and must contact the credit reporting agencies to alert them that I have no delinquent account with PenFed and that it was fraudulent.

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 2022-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: U.S. BANCORP
State: PA

Complaint narrative:
I currently have a US Bank XXXX XXXX XXXX  XXXX card, having opened the account in XXXX, XXXX. One of the benefits of this card is the car rental damage waiver. When I signed up for this card, I was given a card member agreement and a guide to benefits which mentioned this benefit. On XX/XX/XXXX, I rented a car using my XXXX XXXX card, after going over carefully the details of the rental coverage. I have liability insurance of my own, and as per the terms of this rental coverage benefit, I made sure to decline any damage waiver from the rental company and charged my full rental on my XXXX XXXX card. I caused some bumper damage to the car I rented ( on XX/XX/XXXX ). I then returned the car on XX/XX/XXXX, and the rental company didn't mention anything about billing me for any damages so far. The rental damage waiver conditions stated that I need to report any claims within 45 days. Even though I flew out of the country after returning this rental, I immediately called the benefit administrator to report the incident. I was shocked when I was told my account doesn't show up as being eligible for the rental damage benefit on his side. Since I had the card member agreement, I reached out to US Bank, and after a 3-way call, I was assured there was a 'mistake ' in adding this benefit on XXXX  's side for my card. I was told by the US Bank representative it will be added retroactively starting from my card open date, and I should call the benefit administrator in a week to file my claim. Since then, I have called XXXX  's benefit administrator multiple times, and every time I've been told that the rental benefit doesn't show up for my account. To make sure I was not making a mistake, I ordered a current version of the card member and benefits agreement for my card, and sure enough, the rental benefit was listed in the benefits. I am truly disappointed that the only time I needed to use the benefit I could not. So far I've spent about {$100.00} in telephone calls XXXX and have additionally needed to purchase rental insurance for subsequent rentals since I couldn't trust US Bank any more. In short, I've experienced significant monitory losses and more importantly, peace of mind for over a month, due to this negligence from US bank.

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 2022-07-06 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: NJ

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is that possible if each credit bureau is reporting the following inaccurate information from this one account : * Date of Last Activity * Date Opened * Dispute Status * Account Status This is grounds for removal. 

Also, they violated my rights under : *15 U.S.C 1681 section 602A, which states I have the right to privacy XXXX15 U.S.C 1681 section 604A section 2, which states a consumer reporting agency can not furnish an account without my written instructions. 

My certified tracking for each bureau is as followed : Experian - tracking # XXXX XXXX  - tracking # XXXX Also, I sent a letter off to each credit bureau on XXXX XXXX to update my personal information on my credit report. My right to privacy to have old information taken off was my main agenda, as I only wanted 1 address on my credit profile. All followed, except Experian. On XXXX XXXX, Experian emailed me that my report was updated under report # XXXX. Unfortunately, multiple addresses are still being reported, even though I provided proof of my current address as instructed to do on their website. While they did remove XXXX old address ( XXXX XXXX XXXX ), they only removed the apartment number from a different address only ( XXXX XXXX XXXX ), which is not what I asked for. All my current accounts, have my current address. 

These are all CLEAR violations of my federally protected consumer rights

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 2022-07-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX demand notice lists no escrow compared to the last monthly mortgage statement which lists an amount of {$1400.00} screenshot from customer portal showing a deficit in escrow XXXX which is in question because I made escrow only payments from XXXX to XX/XX/XXXX. 

XXXX demand notice has a different amount than the last monthly mortgage statement which is due for XX/XX/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 2022-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was out of work do to XXXX lay -off. I called my back and ask for a deferment. I was given XXXX months and told to make small escrow payment during this time and to apply for XXXX HAF assistance. I followed all of the instruction given. I made 3 payment of {$290.00} for direct deposit to my escrow. On XX/XX/22 I received an email from XXXX HAF that my application was approved and the fund would be release to Wells Fargo. The sent {$4600.00} which is XXXX months of payment covering XXXX XXXX XXXX and XXXX. Wells Fargo applied XXXX XXXX XXXX and misapplied XXXX. I have made 27 call left 14 message and ask for 6 complaint to be filed on my behalf. I am being told my XXXX payment is delinquent, and they did not apply my third payment of {$290.00} which now sits in there unapplied. I have been working with many employee to resolve this misapplied of funds at no success. I am being harassed for being over XXXX delinquent for XXXX payment. I need your help my bank has stolen federal funding meant to help bell out suffering homeowner and now I am being 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 2022-07-06 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: Sarma
State: FL

Complaint narrative:
I lived at XXXX XXXX XXXX XXXX XXXXXXXX XXXX known as XXXX XXXX XXXX for XXXX  years from XX/XX/15 XXXX. During that time the complex made NO repairs at all!! I notified the building manager that I was leaving. During the process of me leaving the complex called XXXX and had my lights turned off, went into the apartment took items that were mine and trashed the place with the spare key. After being gone for 1 month the building manager called me & said I had a letter that stating I owed them {$7100.00} for 3 months rent ( the lights were turned off in my name & the apartment was occupied by XXXX ), Unit Prep, replacement of floors ( wood laminate was placed for the new occupants ), and to replace cabinets ( the cabinets were dry rotted ) all of these repairs were routine wear and tear after 7 years of living with no repairs. I received a call from Sarma Collections Incorporated XXXX this collections was placed on my credit report without a judgement or proper notice. I disputed the charges only to hear nothing from the complex. I recieved a call from the collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Accounts Interchange Group LLC
State: NH

Complaint narrative:
XXXX initially contacted me, a third party, for a debt. I asked for a written statement, which was provided, but without the necessary information. I then sent a debt dispute letter which should have ceased contact, however, it did not, and I've received repeated phone calls and voicemails from the company without the appropriate written response as required by law on behalf of the company. Additionally, they call repeatedly from several different numbers both based out of their state ( NY ) as well as local numbers to me in NH. At one point, they were calling 4 times in a row and leaving voicemails.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion constantly deletes my accounts on my credit profile. Attached is a copy of a Transunion report dated XXXX showing all my accounts. Two days ago I applied for a credit card and was denied because Transunion had deleted all my accounts showing no credit accounts and I was denied a credit card. This is a problem with Transunion keep deleting my accounts from my credit profile. This is causing unnecessary pain and anguish. I want his to stop and never happen again.

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 2022-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was alerted by my identify theft alert program, XXXX XXXX XXXX, that a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan for approximately {$1500.00} was taken out in my name on or about XX/XX/2022, with an address in XXXX  XXXX with the account. I have never done any business with XXXX, I never authorized anyone to take out a loan in my name, and I have never been to XXXX I contacted XXXX after receiving that notification, told them it was fraudulent, and was given a XXXX XXXX XXXX XXXX XXXX of XXXX. The XXXX rep said they would mail me an affidavit to submit to XXXX to flag the account as fraudulent and that I would not be on the hook for the fraudulent loan. I never received an affidavit. I called XXXX again about a month or XXXX later and told them the same story again. This time I was promised that the identify theft department would investigate it but was not given a new Fraud Reference Number. Today, I received an alert from Transunion that XXXX reported this account as delinquent and it negatively affected my credit score by XXXX points. XXXX has not investigated this fraudulent account, has not frozen the account pending an investigation, and must contact the credit reporting agencies to alert them that I have no delinquent account with XXXX and that it was fraudulent.

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 2022-07-06 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I was alerted by my identify theft alert program, XXXX XXXX XXXX, that a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) loan for approximately {$1500.00} was taken out in my name on or about XX/XX/2022, with an address in XXXX associated with the account. I have never done any business with XXXX I never authorized anyone to take out a loan in my name, and I have never been to XXXX. I contacted XXXX after receiving that notification, told them it was fraudulent, and was given a XXXX XXXX Fraud Reference Number of XXXX. The XXXX rep said they would mail me an affidavit to submit to XXXX to flag the account as fraudulent and that I would not be on the hook for the fraudulent loan. I never received an affidavit. I called XXXX again about a month or XXXX later and told them the same story again. This time I was promised that the identify theft department would investigate it but was not given a new Fraud Reference Number. Today, I received an alert from XXXX that XXXX reported this account as delinquent and it negatively affected my credit score by XXXX points. XXXX has not investigated this fraudulent account, has not frozen the account pending an investigation, and must contact the credit reporting agencies to alert them that I have no delinquent account with XXXX and that it was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: MD

Complaint narrative:
I was alerted by my identify theft alert program, MyIDCare at XXXX, that a XXXX XXXX XXXX XXXX ( " XXXX '' ) loan for approximately {$1500.00} was taken out in my name on or about XX/XX/2022, with an address in Oklahoma associated with the account. I have never done any business with XXXX I never authorized anyone to take out a loan in my name, and I have never been to Oklahoma. I contacted XXXX after receiving that notification, told them it was fraudulent, and was given a XXXX ID Fraud Reference Number of XXXX. The XXXX rep said they would mail me an affidavit to submit to XXXX to flag the account as fraudulent and that I would not be on the hook for the fraudulent loan. I never received an affidavit. I called XXXX again about a month or two later and told them the same story again. This time I was promised that the identify theft department would investigate it but was not given a new Fraud Reference Number. Today, I received an alert from XXXX that XXXX reported this account as delinquent and it negatively affected my credit score by 104 points. XXXX has not investigated this fraudulent account, has not frozen the account pending an investigation, and must contact the credit reporting agencies to alert them that I have no delinquent account with XXXX and that it was fraudulent.

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 2022-07-06 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: IN

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account # 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 a account without my written instructions

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 2022-07-06 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: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation