vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-14 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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-14 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
I had 3 private students loans from XXXX that were originally through XXXX XXXX. I was sued in XXXX. Myself and my father were threatened with tax liens on my parents home and back account freezing which forced me to begin to pay the XXXX XXXX XXXX XXXX department to avoid harsh penalties. My husband lost his job leaving me unable to continue to pay the loans off. The collections agency continued to try and get payments but refused anything I offered saying it wouldn't be enough on the principle balance. I do not feel these loans should have legally been able to be collected in the first place due to the statue of limitations being reached but I was scared because of what I was being told. I eventually was able to settle and get a payment plan but only after I had to get a lawyer to communicate with Fortser and XXXX. The payments that were settled on were still very high, and I was able to squeeze payments out for about 2 years but when Covid hit my husband lost his job again. I do believe the initial loans were predatory to begin with as the XXXX XXXX accounts office only handed private student loan information out for one bank. I was the first person in my family to go to college so our education on the financing piece was not great at that time. We were not given any support on understanding at that time. We were told that it was our only option if I wanted to go to school there. I am hoping that something can be done, since I do not feel the bank or collection agencies had a right to collect the payments to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Organization - PenFed Federal Credit Union Issue - Have attempted over 6 times now to apply for a credit product with the organization only to be told that there is " a system error '' which the organization has not been able to fix and provide me with some form of resolution for over 6 weeks now. 
Desired Resolution - I would like whomever is responsible for assisting me with completing my credit card application to complete the process and not transfer me several time on a 1 hour call only to disconnect when I request an update. If not, please advise on how I may go about closing my account and removing my funds expeditiously.

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 2022-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XX/XX/22 - I made an appointment with a Wells Fargo branch to close my dads account - I am administrator of his will. After 1 hour of sitting in the branch with the manager on the phone to the estate department and sending all of the required paperwork, I left the branch to go to another appointment. Subsequently I filed a complaint and escalated the problem. The next level said they would investigate and get back to me in 10 days. when they didn't get back to me I escalated it again. This level said they would investigate and get back to me in 10 more days. The did get back to me and said I would have to make an appointment and go to a/the branch to close the account. I said no and escalated it again to the office of ECMO. They called me this morning and said I would have to make an appointment and go to a/the branch or call the estate dept and do what they asked. I chose to call the estate dept and they said I needed to make an appointment at a/the branch or they could send me a form that I had to get notarized, mail it back and it would take 15 days plus mail time. I feel like I did all the right things in the first hour and that someone needs to hold Wells Fargo accountable. Wells Fargo is just stalling to keep the money as long as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
Like many Americans, my financial situation was impacted due to the COVID-19 pandemic starting in XX/XX/XXXX. Our XXXX income was down 30 %. When the CARES Act passed in late XXXX, I called U.S. Bank and XXXX XXXX ( our home equity loan servicer ) to ask for help. Your agents were helpful and comforting during an extremely uncomfortable time and I was placed on a COVID-19 forbearance program in XX/XX/XXXX. 
I kept in touch with U.S. Bank throughout XXXX, either by taking your calls or calling to update our financial situation. We paid what we could while on the program. At the time, I thought the U.S. Bank COVID forbearance program was a godsend because we were able to keep our children safe, healthy, and fed, without fear of losing our home. Now, I no longer have that faith in U.S. Bank. 
My trust in your company began to erode in XX/XX/XXXX when I started what I thought would be an easy process to resume my mortgage payments. Our financial picture returned back to normal and we were ready to resume our mortgage payments. I called on XX/XX/XXXX and was told by a U.S. Bank Relationship Manager in order to resume payments and have my deferred amount moved to the back end of my loan, I needed to submit a Request for Mortgage Assistance application. I questioned this as all the literature U.S. Bank sent while we were on the forbearance stated I just needed to call to select an option and begin paying. I was assured this was the process. I have since submitted THREE applications, all requested by different Relationship Managers. At one point in XX/XX/XXXX, I was told by a manager in the XXXX XXXX unit ( XXXX XXXX ) that the past RMs were not processing the right code for a COVID forbearance due to a system glitch. He assured me that he will make this right because this was the banks error. After not hearing back from XXXX XXXX, I called again only to be asked to submit another application. I again was assured was needed to process my COVID deferral and begin to pay my mortgage again. I just received a letter dated XX/XX/XXXX that not only will U.S. Bank not defer my COVID payments but the only option I have is a Short Sale. 
As an aside, XXXX XXXX immediately allowed me to resume my monthly payments and adjusted the deferred payments. Without question and in one phone call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Hello, The following list of 15 hard inquiries were not approved my me. The companies that pulled my credit did not have my consent. I am asking for these to be removed from my credit reports unless they can prove otherwise in writing by bearing a copy of my signature for consent or my recorded voice. ( please see attached file ) Thank You XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Stilt Inc
State: VA

Complaint narrative:
I have applied with the company and was denied due to incorrect informAtion on my XXXX  credit report. That information has been fixed but now the company is still using the old denial of incorrectinformation for denial and will not look at correct report and this is a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: AmeriCollect
State: GA

Complaint narrative:
I recently ordered a copy of my credit report and the bad score that I had thought was due to not having I established credit I found out was due to Numerous things on my credit report that was not me. There are six visits to the emergency room in Georgia on my report I have not been to the emergency room since I lived in Kentucky in 2009 I had a baby thats the last visit Ive ever had to the emergency room. Also there is something on there from XXXX cable I have never had cable from XXXX the last time I had cable television was in XXXX Ohio!!! Im in the midst of trying to make a police report and get this handled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
This is just an FYI regarding notice we receive from Citibank and my reaponse. 
Hello, I am ok for you not issuing another card, but forfeiting the rewards I acquired from the previous spending before it was closed and 2 weeks before in cashing the reward is suspicious. We can actually almost payoff our citi card with our cash reward of XXXX $ and now we still have a balance because you would not give us the cash reward?? If this is you, for sure you will be upset too because you've been taken advantage! I understand if we are not paying our dues in the card but we are and my score is actually better than the previous year. This is just upsetting. You dont help customers but letting people go more in debt. I hope you learn what customer service is. 




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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: IL

Complaint narrative:
Back in XXXX of 2020 I had my son via csection I went back to work early even after my doctor advised staying out longer to heal and I declined due to bills needing to be paid on time. I had a great paying job and never had issues with paying anything on time until XXXX of 2020 ; a terrible pandemic happened. A week into returning to work I received a phone call with having a 6 week old stating my job was being shutdown due to 5 people contracting COVID and I was exposed to those people so the entire restaurant had to be shutdown until further notice. I still kept on with paying my bills on time without any income coming in being grateful for the savings account I had. Time ran its course and I couldnt return to work until mid XXXX when I received a phone call stating I am able to return to work ; because of this in return bills started piling up. I contacted the leasing manager for Maple Leaf Apartments ( XXXX XXXX ) via phone call which they state all calls are monitored and recorded of my then apartment complex letting him know Ive exhausted all my resources and I asked would there be any penalties for breaking my lease to move in with family to get back on my feet with an infant and daycare also being shut down due to COVID at this point all my bills were current. Rent wasnt late, never have been. I reached out before it got bad for me financially because I still had to provide for my infant. I was verbally told by XXXX XXXX that there were no penalties and that our rent was paid for that month and we would be free to go. I asked several time and he assured me that there were no penalties for having to break my lease during such a terrifying time. Apparently that was false because a debt collection hit my credit which I wasnt notified about til XXXX of 2020 by IQ Data International and that was by me using XXXX to find out where this was coming from. They have called several times aggressively after I was trying to find out information on why I was being told I have to pay {$3000.00} without an explanation Ive tried to get them to explain to me what was going on because I was extremely confused which has gotten me nowhere. After every call they never sent out a letter to me within 30 days or even at all. I have a video still of that specific apartment with the date to prove there was absolutely nothing wrong with the property and I still have no answers after speaking with them just trying to force me to pay and be extremely rude with inaccuracies regarding the property that I only lived in for 6 months. Please help me. Ive tried to upload the video for proof of the property being in perfect shape but the video is a little over 2 minutes long so the file is too big. If there is another way to send over this video because it is important I have no problem doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2022-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
I was scammed out of {$14000.00}. This is the website that a scammer told me to go to and link to my Coinbase wallet : https : //mcdex-defi.com At first, they allowed me to mine USDT from the website and they said I could transfer the money to my wallet, where it would be safe. I did just that, a few times. The wallet got up to {$14000.00}, and when I tried to transfer more money into my wallet, they said I could not until I added $ XXXX to my wallet. I did not do that and told them I would not, and then all of a sudden they stole my {$14000.00}!!! Can you please help me to recover the funds? I would think Coinbase would stand by their wallet security. I opened a case with them but they dont seem to be cooperative. Please help. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: OR

Complaint narrative:
NetSpend.com opened a prepaid debit card under my name with a fraudulent person. When I asked for details regarding the account to provide to the policy for the identity theft, they refused to provide any information. They created a fake account and attempted a hostile take over of my personal bank accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: FREEDOM FINANCIAL NETWORK
State: TX

Complaint narrative:
I enrolled in Freedom Debt Relief in XX/XX/2021. During my time in their program, they negotiated settlements with several creditors. However, for the first three debts they settled, they never discussed their fees for the settlement. I only found out after reviewing my account that I had been charged undisclosed and substantial fees on top of their monthly service charges. 

Once I found out how high the fees were, I would have to ask how much I was going to be charged after each settlement attempt. They never once disclosed their fees in a settlement offer, I had to ask each time. 

I believe these practices are highly deceptive and designed to make you to believe you are saving much more money than you actually are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX my wallet was stolen from a local XXXX grocery store on XXXX XXXX XXXX around XXXX. There were multiple locations my debit card was used. 
Transaction # 1 : XXXX XXXX amount {$16.00} Transaction # 2 : XXXX XXXX amount {$150.00} Transaction # 3 : XXXX amount {$92.00} Transaction # 4 : XXXX amount {$56.00} Chase Bank called my personal cell phone and contacted me by email during Transaction # 5 at XXXX XXXX XXXX XXXX amount {$55.00} asking if this charge was valid. 

I immediately said no, check my purse for my wallet and realized it was missing. Called Chase customer service that night around XXXX to report my card lost/stolen have it closed and dispute the charges. 

Chase initiated claim # XXXX with all 4 charges attached to the claim. 
They refunded the 4 charges on XX/XX/XXXX during the investigation. 

On XX/XX/XXXX Chase sent a letter saying that the charges were again being reversed because they were authorized. 

I received a notice on XX/XX/XXXX that my personal account was overdrawn because Chase decided to take the money back even though they are the ones who suspected fradulent charges in the first place. I called Chase and they are now asking that I submit work timesheets and pictures of security footage from my home proving that I was at home at the time of the purchases. The representative I spoke to gave me fax # XXXX to submit these documents but said even though I went out of my way to try and prove it wasn't me, I would probably not get my money back and it would be very unlikely that it would be taken care of.

Company response to consumer: Closed with monetary relief