vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-07 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: GA

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

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 2022-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My name is XXXX XXXX XXXX my Address is XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX phone # XXXX the las 4 digit of the credit card is XXXX I applied for above credit card and there was a balance transfer promotion of 3 % so I took advantage and transfer {$5000.00} and the bank changed me {$150.00} upfront which is normal I always do that with them for the past 10 years I always called an agent when doing balance transfer but this time because of the pandemic is very hard to reach an agent so I did it online which also did it in XXXX XXXX without problem, after three months keep payment and balance almost looks the same so I checked my statements from three and I saw the keep charging me interest which thats was not the deal so I reached out to them and the said it was direct deposit which I never did that so please I need a help to dispute this which is about {$230.00} with in 3 months because of this I have to get another loan to pay {$4000.00} to the account last week which is disappointing and painful and stressful.so please I need your help thank 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 monetary relief
Consumer complaint received 2022-01-07 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: GA

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-01-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion reported 15 unauthorized inquiries on my credit report

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 2022-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase Bank XXXX. XXXX Not being able to access Online Banking Keep locking out even I have cleared security lock with representatives with Fraud Department more than several to dozens times. 

Keep cancelled wire money request to send money to my daughter with XXXX XXXX XXXX XXXX for several times 1000 dollars XXXX. XXXX. XXXX. XXXX. 
700 dollars XXXX Other canceled wire money notification by email received to XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX dollars with 20 dollars fee. XXXX XXXX several times. 
Not being able send Takes more than an hour to contact Fraud Department in XXXX and possibly an XXXX. 
takes more than 30 min. If calls fails takes another an hour plus 30 min. 
Even they unlock Online banking, it keeps locking out due to consider suspicious activity no matter what Fraud department clears. Automatically or after some one manually locks out? Even after I cleared security process. 

Personal financial information has release to foreign countries by recount my calls to overseas. 

Cost of an international calls- more than 25 dollars spend. 

Checking account I plan to move my all of the money to another bank. no future direct deposit. 

I have to move all of my money to another investments to another investment banking. 

I believe to be this is an interferences with my all of the transactions and holding my Money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2022-01-07 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: NC

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 44 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-01-07 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: OH

Complaint narrative:
Experian continues to report and make flags on credit report and today that caused a XXXX point drop. This account shows evidence of fraudulent activity and it has been disputed with experian. 
Experian continues to OVERLOOK the inconsistent information that proves the account does not belong to me ( XXXX XXXX ) It is against the FCRA to knowingly yet willingly report wrong information. Especially after being notified multiple of times. 
The company was asked to validate the account and the results is not accurate with the timing and location. The account numbers aren't the same. On the validation request letter the account reads, ( XXXX ) and Experian has been reporting a different account number ( XXXX ) Experian is bogus for this but will ignore that and continue to add negative marks on my credit report, intentionally. 
Experian reports date open as XX/XX/2021 I have absolutely never transacted business with either company at any time. Also, VERY important to note, the company in question, XXXX was no longer in business on open date of XX/XX/2021. These companies lie so much. 

Experians report uses address ID and the ID being reported is ( XXXX ) However the company validation states the account was created using the address of XXXX XXXX XXXX XXXX, Ohio. According too experians records the accurate address identification number for the verified address is ( XXXX ) During all the different dates listed I still lived at home where I was raised, XXXX XXXX XXXX XXXX Ohio and I was still attending high school. 

Experian along with these other credit reporting bureaus never want to admit their wrong and make it correct and accurate. It seems their actions are intentional. I should not take 50 rounds of disputes with evidence to show the reporting agency has made a mistake. This is a persons life you are intentionally trying too hinder. 

Looking at the documents i've included, anyone can clearly see the account isnt legit. When accounts are legit, ALL the information matches up and make sense. According too dates on the original creditors validation letter the account would have been open when I was still a minor at XXXX and with no valid identification, which is required too open any account. Make it make sense. This account should have been removed MONTHS ago. The company was also contacted with this information of trying to hold a minor responsible for an account that was created when only XXXX XXXX XXXX. It's against the law and shouldnt have ever been on my credit report.

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 2022-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
My mortgage was transferred to Select Portfolio on XX/XX/XXXX from XXXX XXXX XXXX. 

Before my loan was transferred, I was in an XXXX XXXX XXXX forbearance program with XXXX XXXX, that started in XX/XX/XXXX. I was in the middle of a rate modification with XXXX XXXX and had no negative credit reporting from them during the whole pandemic as I was protected through that forbearance. Select Portfolio did not honor that protection when they recieved my loan and on XX/XX/XXXX reported my account status as XXXX delinquent. Obviously it is an error on there part, but when I called in to get it resolved, I got conflicting answers from every person I spoke to and nothing made any sense. 

Select Portfolio have SEVERAL correspondences in their possession that XXXX XXXX sent to me in XX/XX/XXXX, on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX showing that I was in an active forbearance and that I was protected from negative credit reporting yet they still reported my loan late during 180 days of that SAME period. When I ask each agent who's names were XXXX, XXXX and XXXX who I spoke to on XX/XX/XXXX and XXXX who I spoke to on XX/XX/XXXX and then again on XX/XX/XXXX, where the 180 days come from?, I got varying answers and varying excuses that didn't answer the question. XXXX who is a supervisor, aknowledge that Select Portfolio had those documents showing that I was in an active forbearance during the period Select Portfolio reported me as delinquent and said that she herself would esculate the issue but in all of Select Porfolio 's esculated responses to my complaint, they chose to ignore my issue and gave me a word salad of tangent facts. 

Please see corespondances to me from XXXX XXXX regarding my Covid ForbearanceXXXX dated XX/XX/XXXX telling me that the forbearance ( which I was already in ) would be extended for another month, though the end of XXXX. Please see another correspondance from XXXX XXXX on XX/XX/XXXX, telling me that my forbearance would be ending at the end of that month and that I need to call them to be place in loss mitigation which WOULD CONTINUE TO PROTECT ME FROM NEGATIVE CREDIT REPORTING, in addition to protections from a other negative outcomes. Lastly, please see a correspondance from XXXX XXXX dated XX/XX/XXXX, acknowledging that I contacted them on XX/XX/XXXX which resulted in my account being placed in a loss mitigation program and that no other documentation was needed. 

I am not sure why Select Portfolio just wont fix their error intead of giving me the run around when I call them and instead of replying to my complaint in writing with so much information THAT DON'T ADDRESS THE ISSUE OF THEM REPORTING ME 180 DAYS LATE WHILE I WAS IN A PROTECTED FORBEARANCE PROGRAM.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
XXXX XXXX started to garnish my low income wage by 25 % yesterday without prior notice in any way. They said I owe them XXXX from 2014 which I though that I had paid off. This way not discussed or explained to me in any way. I would be happy to make payment because this garnishment is causing me much harm. It is in dispute currently. They did not follow due process or take me to court or anything. They just starting garnishing my wages without any warning. They will probably say otherwise which is a lie. Can you help me please. XXXX XXXX XXXX. This is Gurstel Law firm phone is XXXX located in XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX of XXXX I called regions for forbearance due to corona. I called monthly, or due date to let them know status didn't change I was still unemployed as they requested. I was told over and over i would not have to pay total amount during hardship that payments would restart after the months of forbearance were used. On XXXX the day i came home from my brothers funeral I was called and told if I did not pay XXXX by XX/XX/XXXX foreclosure procedues would begin. I had recently cashed in my 401k and was able to pay but now have nothing and am still unemployed with no benifits.

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 2022-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: AL

Complaint narrative:
I have a crypto account with Coinbase pro and I usually use their app to trade or transfer money and check my portfolio but for the last 2 days I can not access my account through their Coinbase pro app on my XXXX. I contacted their support which are very incompetent and do NOT know what they are doing and are NOT capable of fixing my issue. And still till now I can not access my account and I have crypto in it and I have invested a lot of my money with Coinbase pro but they are not helping me access my account and they can not resolve the issue and I do not want to lose all my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have been repeatedly solicited by American Express over the past two years. I have filed numerous complaints and spent multiple hours remedying the situation. I have filed complaints with the XXXX XXXX and the FTC. American Express repeatedly ignores my requests. I would like to file a lawsuit in federal court for tort and negligent infliction of emotional duress. I have asked to many times to not be contacted. I should be immediately compensated for damages and injury caused by American Express

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I need to send the paperwork showing that Im XXXX and the judge dated it since XXXX ; but I shouldnt be receiving calls everyday or every other day if no one has to pay until XXXX. Theyre saying my payments are late. They shouldnt call me until XXXX. I just printed my letter from the Social Security website and will be sending it. Navient doesnt leave a message and shouldnt be calling until XXXX. Theyve called me six times since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: DISCOVER BANK
State: MN

Complaint narrative:
Discover Card started to garnish my low income wage by 25 % yesterday without prior notice in any way. They said I owe them XXXX from 2014 which I though that I had paid off. This way not discussed or explained to me in any way. I would be happy to make payment because this garnishment is causing me much harm. It is in dispute currently. They did not follow due process or take me to court or anything. They just starting garnishing my wages without any warning. They will probably say otherwise which is a lie. Can you help me please. XXXX XXXX XXXX. This is XXXX XXXX firm phone is XXXX located in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XXXX of XXXX, my wife and I moved to a new house in XXXX Ca. As a result, we used our XXXX from Synchrony Bank more than usual as well as another credit card from another bank. The purchases were for goods and services needed for the new home and would be in line with what one would expect in our situation. 
Synchrony started questioning our purchases by not allowing the purchase to be made, they were telling us the purchases were not customary and therefore may be fraudulent. After repeated calls to the bank and their fraud department to explain we had just moved and had purchases as a result, they still prevented us from using the card by blocking transactions we were trying to make. Fortunately, we do have another credit card from XXXX XXXX which allowed us to make the needed purchases. 
Please note, at no time were we late on any of our monthly payments, they were always paid in full each month and on time. We have had the card since XXXX and have only recently had troubles with the bank. 
When we contacted the bank, we were treated very rudely as if we had done something wrong. The bank then told us we needed to add a second layer of security by taking a picture of myself ( I am the main cardholder ) and adding it to their website via cell phone. Well, I do not have a cell phone and after several attempts using my wife 's and again contacting the bank for their help, it did not work. We have been waiting for the bank to come up with a solution but we have not heard from them since. In the meantime, the account has been put on hold so it can not be used and we have paid any open balances. The card currently has a zero balance. 
In XXXX, I received a letter from the bank stating the account will be closed due to two reasons : 1. A restriction placed on the account for suspected unauthorized use. 
Note : There has never been any unauthorized use of the card, the bank has never provided details of what they feel the unauthorized use was, nor has there ever been any dispute of charges made on the card. We have always paid the statement in full and on time.

2. Subsequent inactivity on this account. 
Note : The bank has placed the account on hold, we couldn't use the card if we wanted to! 
They provided a phone number in the letter they sent, but due to the unprofessional way in which we have been treated on the phone previously, I decided to write a letter instead. 
No, we have heard back from them.

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 2022-01-07 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: RFNA, LP
State: TN

Complaint narrative:
My payment was reported to the 3 credit Bureaus XXXX, XXXX, XXXX as past due XX/XX/2021. There has not been a 30 day late on this account. 
Payment was remitted to Republic by debit card though their ( XXXX ) XXXX XX/XX/2021.

Company response to consumer: Closed with explanation