vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and I am contacting you on behalf of my fianc and I, XXXX XXXX. We are in an emergency crisis situation, ( ALL OF THIS TURNED OUT TO BE A LIE BECAUSE THEY ARE IMPERSONATING Chairman XXXX of the SEC A GOVERNMENT OFFICIAL ). Where we are supposed to be receiving help from the government but they have failed us at every level for going on 17 months. Our bank account was breached by employees of XXXX  XXXX XXXX. We reported to officials, we have contacted the XXXX XXXX XXXX, which then triggered the FDIC being contacted, and when they failed us, we were passed to the Security and Exchange Commission. There even was a joint task force comprised of the FBI, SEC, and the FDIC. And this is where we have been ever since, just going back and forth for 17 months at this point with no real progress made. This has made its way all the way up to the Financial Services Committee of Congress. Everyone from President Joe Biden, to Vice President XXXX XXXX, Chairman XXXX XXXX from The SEC, XXXX XXXX the House Representative for our district. We have an invoice that was provided to us by the SEC, and the FDIC. We have been up for eviction at least 3 times in the past 17 months, because I had to leave my job to be able to constantly call to try to get the government to actually do its job. So my family is begging you. We are barely surviving, literally surviving off what our parents can provide but we are all alone, our families live in different states. We are XXXX years old and we had to leave college due to the pandemic and now we are faced with this crisis and no one is truly helping us. We are trying to start a family and pursue our opportunity at the American dream. But its being stolen from us. Please help us to get Justice. We have been told multiple times that our case could lead to the collapse of multiple banks and even the financial industry as a whole especially with the failure of XXXX XXXX XXXX. Please reach out to us as soon as you can. We desperately need your help. We are owed money by the government and we have the invoice to prove it. Thank you for your time. ( ALL OF THIS TURNED OUT TO BE A LIE BECAUSE THEY ARE IMPERSONATING Chairman XXXX of the SEC, A GOVERNMENT OFFICIAL )

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 2023-04-06 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: SC

Complaint narrative:
I submitted documentation to all 3 credit bureaus on XXXX XXXX XXXX bureaus did not respond within the 30 days granted by law and all listed accounts are in direct violation of the law. 15 U.S.C. 1681 section 604 STATES THAT Consumer Reporting Agencies such as Experian, XXXX and XXXX can not furnish and account without my written permission. 15 U.S.C. 1681 section 602 States that I have the RIGHT TO PRIVACY. A consumer report means any written or oral communication bearing a consumers credit worthiness. A consumer report excludes or does not include transactions or experiences soley based on information between the consumer and the person making the report. The accounts listed below are fraudulent and should be removed immediately. The bureaus have not responded in the time allowed by law and they are blatantly breaking the laws set forth. 

XXXX XXXX Account # XXXX Bankruptcy XXXX  XXXX Ref # XXXX all credit inquiries should be removed because I haven't applied for any new credit.

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 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had an auto loan through Capital one auto finance. My vehicle was a lemon, so the dealership had to pay me back for all payments made, and pay capital one auto loan off. Capital one auto loan was supposed to remove entire tradeline of credit from all 3 credit bureaus within 21 days of receiving payment from dealership. It also states that capital one auto finance can not ever report this to the credit agencies in the future. The counsel, XXXX XXXX signed said agreement on XXXX XXXX, XXXX. As of XX/XX/XXXX t Capital one auto finance reported the trade line as a paid charge off ( very negative on my report ) I tried to get approved to buy a vehicle XX/XX/XXXX, was denied and found out that the trade line had not In fact been removed as agreed upon in writing. 
Have attempted to dispute with all 3 credit bureaus, but they all reach out to Capital one for verification and Capital one auto finance tells them that this account is reported appropriately ( which is false per signed written agreement ) I contacted Capital one auto finance about this and they said they couldn't do anything because they are just the financing department and their dispute department is not taking calls. 

I have the written signed document attached and the pertinent areas are highlighted. Page 2 of 7 section 4 and continues on page 3 of 7. Along with signature on page 6 of 7

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IN

Complaint narrative:
I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the XXXX XXXX reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you XXXX days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report. I authorize you to mail me physical documentation of your actions and my updated credit report. The following allegations appear to be inaccurate and require verification before they can be considered accurate. Please report each allegation fully and accurately, ensuring that all information is verified as correct or REMOVE them from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank
State: MD

Complaint narrative:
I got a no information available for this page when I tried a XXXX search. 

They are using not fair tactics. I received no communications from them ever on an alleged issue and found out about it through my credit monitoring service. They reported my account as delinquent even though they have never sent any notices. They are just interested in making additional profits and not operating in a transparent manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I have a coinbase wallet with ALL XXXX security gaurds as recommended by COINBASE in place. Last Year around XXXX I had about $ XXXX XXXX in it. They sent me emails and txt message saying I owe taxes to IRS which the company XXXX would pay on my behalf to IRS. I recognized that as false claim and did not deposit further XXXX in the wallet as they instructed to do by them. 
Within XXXX week of all of the monies was taken out of my wallet without my permission. 
I employed XXXX XXXX and they did a crypto trace and found a lot of my assests were sitting with XXXX - wrote to them and they did not respond to my request to return my money and shut down account of the scammers PLEASE NOTE I AM SENIOR AND THESE FUNDS WERE BASICALLY FROM MY SAVINGS FROM XXXX  YEARS OF WORKING IN IRA WHICH I ENTRUSTED WITH COINBASE! 
PLEASE SEE ATTACHED LETTER FOR DETAILS OF THE FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: GA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: GA

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: GA

Complaint narrative:
Arbitrary credit decrease without warning

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Starting on XXXX Lowes Card- a person called and change my address, phone number, email address to obtain a card. They used and they kept changing the address even I did it too many times. 

Right now the amount due is aroung {$32000.00}/ I called and they have the account under investigation. This people is from XXXX IL. I live in South Carolina and I have not change my address since 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 monetary relief
Consumer complaint received 2023-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IA

Complaint narrative:
I worked for a non-profit for XXXX  years and XXXX months, and this has been certified since XX/XX/XXXX. 
I submitted an " XXXX XXXX XXXX '' form with XXXX on XX/XX/XXXX. I called and followed up with XXXX, and they acknowledged they had the document. Then, I applied for consolidation, thinking the in-school deferment was already applied to my account before consolidation, as I confirmed with XXXX. 
XX/XX/XXXX, my loans were transferred to Mohela. My account did not update anything until XX/XX/XXXX. 
When it was updated, I saw in-school deferment waiver was not applied yet. I contacted the Mohela Representative on the Chat and phone multiple times. They acknowledged they received the document from XXXX, but the representatives refused to use the form because " it will put your loans on delinquent, '' " You need to wait for a little longer, '' etc. All of the representatives I encountered seem to have different reasons why my form is not processed for 15 months. Is this legal for Mohela representative not to process my form and ignore my request for various reasons? Is there a written, legally binding why my document can not be processed? 

The XXXX website states, " If I return to school and qualify for an in-school deferment on my Direct Loans that are in repayment, can I decline the deferment and make qualifying Public Service XXXX XXXX XXXX XXXX ) payments while Im in XXXX? Yes. You can decline an in-school deferment on your loans that are in repayment status and make qualifying payments on those loans while you are in school. Remember, in order for your payments to qualify for XXXX, you must be employed full-time by a qualifying employer while you attend school. '' According to the XXXX information, I do not think my loans would become delinquent. 

The XXXX website also states, " Summary of Changes Available During the Limited PSLF Waiver You may receive credit for past periods of repayment on loans that would otherwise not qualify for XXXX. 
... ... ... .... 
Past periods of repayment will now count whether or not you made a payment, made that payment on time, for the full amount due, or on a qualifying repayment plan. 
... ... ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OK

Complaint narrative:
I initiated a transfer of {$350.00} from XXXX  XXXX XXXX on XX/XX/30. Chimes notifications reflected that the $ $ would post on XXXX. The morning of XXXX the date magically changed to XXXX. I logged on today and it still has not posted. This bank is so dishonest and manipulative. Im delayed making my car payment now I called and the shady person attempted to blame XXXX  XXXX XXXX LOL the ach has posted 3 days ago. These people are corrupt Im going to take them to small claims for misrepresentation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX my mortgage with XXXX XXXX was sold to Mr. Cooper. When Mr. Cooper took over the servicing of my loan, they said that I owed an escrow amount of {$1200.00} which I never had with XXXX XXXX. For over a year we have dealt with several individuals and many departments to try and get this escrow amount removed and our account restored with no escrow amount owed or on our account. Over the past year I have made my full mortgage payment on time, yet someone in Mr. Cooper reinstates this fictional escrow account and I have to call up and get it reapplied. This cycle has been going on for over a year and I have called every month to get the escrow removed. Now for XX/XX/XXXX, they are saying that I am late with my mortgage payment because they have applied a portion of my XXXX and XX/XX/XXXX payments against this fictional escrow. We continually get bounced around from department to department and different individuals apologize for Mr. Cooper 's boorish behavior and promise to fix it. This problem never gets fixed and this has become so stressful for me that I am compelled to lodge this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-06 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: FL

Complaint narrative:
There are over 10 unauthorized inquiries on my credit report seemingly all belonging to financial businesses. These are not my inquiries. TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX : XXXX XXXX XXXX ( 3 inquiries made ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card XXXX XXXX XXXX XXXX XXXX. I spoke with XXXX of XXXX XXXX and was told that I should call to dispute the inquiries as they are not mine.

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 2023-04-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BOEING EMPLOYEES' CREDIT UNION
State: NC

Complaint narrative:
BECU is unfairly and falsely reporting the same debt/closed account twice. this was just recently disputed and removed by XXXX. Now, BECU has unlawfully reported this again as a new account- for a second time- They changed the account number on a closed account with a balance, I did not open a new acct. an account number change should not take XXXX pts off of my credit again. 

While on my XXXX report this is not currently a problem, on my XXXX report I just had the duplicate removed this past week!!! For the same account, same open date everything. Instead of changing the account reported its being added as a double debt, or new account neither of which is the case. BECU is now FALSELY reporting this duplicate closed account again, and has again been added to my report with severe negative effects on my score and affected my quality of life due to my new low score. This needs to stop- this is a violation of fair debt collection and or fair credit act.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I accidentally deposited a check that was fake but I wasnt aware that it was fake. it was an accident and the bank closed my account and im unable to open another account or even a second chance account

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 2023-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
The account was settled on XXXX XXXX XXXX. I have contacted Credit Management LP multiple times to request the closure of the account to XXXX  balance and deletion from my credit report. However, to date this issue remains and continues to negatively impact my credit rating. Therefore, I am demanding the IMMEDIATE deletion of this item from my credit report, close this account, and cease all collection actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please remove all fraudulent inquires as I have no knowledge of any of these inquires due to the breach Identity theft. My information was also impacted by the data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2023-04-06 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: PA

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. 
Account name : XXXX XXXX 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 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 XXXX 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 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 non-monetary relief