vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: MN

Complaint narrative:
In XXXX of 2019 a credit card with XXXX ( XXXX ) was opened in my name. This was disputed with all XXXX credit bureaus as fraud and it was removed from my credit report. I have proof of this. Just yesterday, I received a letter from Credit Corp Solutions ( a debt collector ) trying to collect on this fraud account. I would to file a complaint and pursue legal action again this company. 

I have spoken to my attorney and legal action will be started if I do not receive compensation within 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: TX

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
A check from XXXX XXXX on the amount of XXXX $ was deposited/cleared into my account on XXXX/XXXX/202. Following the confirmation from the bank manager, I took XXXX during the following days. On XX/XX/2020 the transaction was reversed and my account went XXXX reason was XXXX. TD Bank froze my account and collected the direct deposits of my SS and stimulus check that followed. I was left without any source of income for basic necessities and forced to borrow money from neighbors. I was not responsible for TDbank 's failure to communicate with me and other financial sources. I need to retrieve my SS/stimulus check that were used to cover the bank 's errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My complaint is with Bank of America. They are saying that I have one missed payment from 2018 which is untrue. My account was closed and they shut down my online account and stop sending me bills in the mail after I paid them off. Little that I know that they added a {$1.00} worth of interest and when I found out that it was late I had no way to get into my account because they had shut everything down. I eventually got the {$1.00} paid but now it shows up on my credit report that I have one missed payment from 2018 and it's affecting my report. I do not find it fair that this is on my credit report when there was nothing I could do to pay the interest rate because they closed my account and wouldn't let me in. Not to mention I didn't know I owe {$1.00} because they never sent me anything in the mail saying I did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I mailed a bankruptcy dispute on XX/XX/21 to Experian which they received and started the dispute on XX/XX/21. I submitted documentation from XXXX XXXX that showed that they couldn't verify the bankruptcy on my report therefore they had to remove it. Experian finished the dispute on XX/XX/21 and said that they verified the bankruptcy with XXXX XXXX which is false.

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 2021-11-30 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: FL

Complaint narrative:
This is the information sent to XXXX. I haven't gotten a reply, their links are not accurate, and when I have called I am advised to call my service provider, which is not in effect at this time. Reason : I need some help. My stress level is higher than I can manage, and my stress over my student loan situation is at the top of the list. I have companies contact me saying they are supposed to be my provider, however, then another one, and another continue to contact and I dont know which are legitimate. Additionally, the methods do not appear honest to me. I go through a lengthy phone process then I am told I have to decide immediately and sign their 15-page document. I ask for time to read the document and I am told you have to sign right now to get this offer and the person on the phone is going to read it to me as we go through. I would never sign anything without being given the opportunity to fully read and understand what I am signing. This is like working with a sleezy used-car sales team and I am not willing to do that. When you push us off on other companies we pay additional fees to them on top of the student loan payments. Then you move us to another company and we pay additional fees again. I dont know if I need legal counsel for this or if something can be worked out. I have been enrolled and re-enrolled with a new start-over date 4 times for my service student loan forgiveness plan because Im a XXXX. By now I should be almost finished with this program, and I have enough years as an XXXX XXXXXXXX XXXX XXXX XXXX that I could have gotten the additional reduction of my loans by $ 14K if this had been handled correctly. At one point I was paying one company and another company garnished my wages. This inconsistency has to stop. As it is now I am about to be 60 and will have to work to almost 70 to get my loan forgiveness and there is no more time to add the additional forgiveness even though I have been teaching for 20 years in XXXX XXXX schools. Im over the XXXX I have had to deal with because I went through XXXX for my student loans. I need help. And I need it from XXXX, not some loan servicer who has proven my loans will not be managed correctly, who will charge me additional money that does not go toward payment, and who is not demonstrating transparency. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now XXXX days and I have not received a repsonse. I did my research and I am for sure that they have XXXX days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2021-11-30 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: FL

Complaint narrative:
XX/XX/XXXX I sent XXXX, Transunion and XXXX dispute letter and an Identity Theft Victim 's Complaint and Affidavit pertaining to a XXXX XXXX XXXX XXXX account and XXXX XXXX XXXX XXXX XXXX inquiries dated XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX responded by deleting all three items from my report. I never received remedy for the damages.

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 2021-11-30 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:
XX/XX/XXXX I sent XXXX, XXXX and Equifax dispute letter and an Identity Theft Victim 's Complaint and Affidavit pertaining to a XXXX XXXX XXXX XXXX account and XXXX XXXX XXXX XXXX XXXX inquiries dated XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX responded by deleting all XXXX items from my report. I never received remedy for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: FL

Complaint narrative:
XX/XX/XXXX I sent Experian, XXXX and XXXX dispute letter and an Identity Theft Victim 's Complaint and Affidavit pertaining to a XXXX XXXX XXXX XXXX account and XXXX XXXX XXXX XXXX XXXX inquiries dated XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX responded by deleting all XXXX items from my report. I never received remedy for the damages.

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 2021-11-30 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am resubmitting a dispute regarding CFPB case # XXXXCapital One case # XXXX. On XX/XX/2021 Capital One sent a letter stating that they permanently credited my account for the full amount of the disputed amount of {$510.00}. This letter was uploaded to the CFPB website. On XX/XX/2021 I received a letter from Capital One that I was being charged {$250.00}. I called on XX/XX/2021 to review and reconcile my account/statement dating back to the original charge of amount of {$510.00} with a fraud and dispute supervisor, XXXX, agent code XXXX. These were the findings and the account reconciles as of XX/XX/2021 ( See below ). After the reconciliation with XXXX, I do not owe Capital One {$250.00}. This is an error on Capital Ones part and I am asking that they REVERSE the CHARGE of {$250.00} posted XX/XX/2021 late evening. 

Charged XX/XX/2021 {$510.00} original charge Credited XX/XX/2021 {$250.00} Charged XX/XX/2021 {$250.00} Credited XX/XX/2021 {$250.00} Charged XX/XX/2021 {$250.00} Credited XX/XX/2021 {$510.00} Credited XX/XX/2021 {$250.00} Charged XX/XX/2021 {$510.00} Charged XX/XX/2021 {$250.00} Credited XX/XX/2021 {$250.00} Credited XX/XX/2021 {$250.00} Total charged {$1800.00} Total credited {$1800.00} I called on XX/XX/2021 to speak to XXXX fraud and dispute supervisor. I spoke to XXXXand XXXX who tried to reconcile my account. Apparently the agents count the number of charges/transactions versus the number of credits and do not reconcile the total amount of charges in dollars versus/compared to credits in dollars. I thought the case was closed back on XX/XX/2021 now Capital One OWES ME {$250.00} nearly four months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now XXXX days and I have not received a repsonse. I did my research and I am for sure that they have XXXX days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2021-11-30 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now XXXX days and I have not received a repsonse. I did my research and I am for sure that they have XXXX days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: MI

Complaint narrative:
I have sent out multiple letters for some of the accounts I'm seeing on my credit report. It has been well over the 30 day window. I sent letters to the bureaus on the following dates : XX/XX/2021 XX/XX/2021 Just need to know if anyone has heard anything?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: NV

Complaint narrative:
I received a fraud text from my bank for a charge of {$37.00} on my credit card and was provided a fictional PayPal number and the name of a business, XXXX XXXX XXXX. The number provided was XXXX. I called and was asked to verify my last XXXX ssn which I lied about and was put through to an operator. I refused to give her any other information and just wanted details about the company. When she wouldnt provide any, I told her I would block the charge and delete my PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: PA

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section XXXX of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section XXXX ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : 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 As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2021-11-30 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: GA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: NY

Complaint narrative:
I am a COINBASE account holder that has been using their service to buy and sell cryptocurrencies regularly. On XX/XX/2021 an unauthorized transaction occurred on my account without any notification. My entire ETH ( ethereum ) cryptocurrency holdings were sent to a non disclosed location/entity. The total amount of Ethereum lost was XXXX at a value of {$16000.00}. I discovered this on XX/XX/2021 when I logged into my coinbase account and noticed that a large amount of my portfolio was missing. I subsequently spent the next several days on the phone with COINBASE support teams ( which averaged over an hour on hold each time ) who were unable to tell me where my holdings were sent to, why this happened, and whether I'll be reimbursed. They sent me several emails with instructions to change my account password, update my cyber security software, and freeze my account ( all of which I completed ). I was also asked to review my transaction history and contact my local authorities. 

After reviewing my transaction history it was shown that the funds that I lost were sent to an account titled XXXX XXXX '. I subsequently called coinbase support to ask them what this means and was told that a 'specialist ' is looking into the case. They were unable to provide me with the specialists name or offer any reason to why this happened. 

After researching on the internet it seems that other users have experienced similar issues to mine around the same timeline. It was advised on a XXXX thread to contact the CFPB and FTC which I am now doing given that I havent received any adequate help from COINBASE

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: IN

Complaint narrative:
On or around XX/XX/XXXX I received an email notification that I had a package ready for pick-up at XXXX. I was confused as I had not ordered anything and the label said " Hold at Location ''. The box contained an XXXX XXXX XXXX XXXX, which I did not order. 
I contacted the company that sent it, which is XXXX XXXX XXXX. They did not have an account for me and had no idea why I was sent a phone. Since the Federal Trade Commission states items not ordered but still sent can be kept or sold, I sold the phone on XXXX XXXX, XXXX. 

On XX/XX/XXXX I received a letter from a collections company named Halsted Financial Services saying I owed {$1300.00}. Letter says original creditor was XXXX XXXX XXXX and the current company that owns the debt is now XXXX XXXX XXXX XXXX. 

I called my local Police department on XX/XX/XXXX and filed a report. Police officer advised it sounds like ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MIDFIRST BANK
State: PA

Complaint narrative:
I applied on the XXXX  ( a Midfirst division ) app on or around XX/XX/21. While I was creating user name and password, the app crashed. I couldn't go further. I called XXXX and was told that retry in XXXX days. I did retry but now it was saying that I already have a relationship with them and can not proceed. I called again, and was told that they do see me in their system but for some reason, I was not assigned account number due to technical glitch. At that time, I was informed that I am successfully approved too, but it may take couple days to get the issues straightened out. Its now over a month, and I am still without account number and online access.

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 2021-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
Around XXXX XXXX I traveled from XXXX to XXXX and in between a store clerk copied my card information and begin making purchases via online using my card information. When I became aware I notified the bank to shut the card down. Once it was done the BB & T begin charging excessive fees and then refused to give me access to the account so I could fix the problem. I even asked if I could drive XXXX  hours away just to handle the problem. They have been unwilling to help with resolving the issue. They are making money by charging me fees by the day!

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