vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-20 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:
I have filed numerous disputes, and complaints wit TRANSUNION credit bureau, and have gotten no results. I am a victim of Identity thief, I have file a federal trade commission report, a XXXX XXXX police report, along with a copy of a letter from the united states Marshall services stating my personal information was breached.

I have also filed this same complaint and dispute with the other 2 major credit bureaus XXXX and XXXX and my file was corrected the results were the accounts were deleted. Its seems like Transunion refuses to abide by the FAIR CREDIT REPORTING ACT, AND THE FAIR DEBT COLLECTION ACT, and there laws and guidelines. These fraudulent and inaccurate accounts need to be removed as stated by statue 1621 B.

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 2022-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
why does ROCKET MORTGAGE portal/website not reflect what im being told with rocket customer service ( 2 different awnsers, 2 different occasions ), plus adding a late charge.?? first payment due XX/XX/XXXX. paid XX/XX/XXXX. payment was applied to XXXX? and im told XXXX payment ( first payment due ) is now late because they applied it to XXXX. If this is correct they why does not this website/portal reflect this stating " first payment due XX/XX/XXXX ''. Rocket omitted error made twice. WHY ARE THE 2 DIFFERENT AWNSERS IM GIVIN NOT REFLECT WHAT ALL PAPERWORK AND WEBSITE STATE.??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I accidently submitted a payment with wrong information and payment got returned I tried to resolve it with them and they said there is nothing I can do and my account was closed without notice then they send me letter after it was closed under my account not even an official letter informing me about the closure

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022 I received my tax refund irs 2 hours later Im locked out of my account so I call the number that it tells me to call and I spoke with the supervisor and she was really rude tells me she is Exercising her right in my contract to end our bank relationship so she tells me to look for another bank.. I told her wat about my tax refund she tells me to go to a branch and withdraw and then hangs up on me really rude and I forgot to mention my refund was {$10000.00} so then I go to the branch the following morning just for the branch manger to tell me she cant withdraw my account because it has to post so then I wait for the 2 days wheni went to the branch they only gave me {$1000.00} then they tell me I cant get the {$10000.00} out because they have to investigate it ok why do they have to investigate a irs tax refund direct deposit it has my name on it I took in my brith certificate and my social security card and my tax return documents To the branch and they still refuse to give me my money then they accused me of useing a Deceased person social security number after I should them my social security card!! Its been since the XXXX this bank has been giving me the run around today is the XXXX and still havent been able to withdraw my money and their closing my account I feel discriminated because their unfair .they close my account same time I got my tax refund

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon 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 non-monetary relief
Consumer complaint received 2022-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I visited a XXXX car dealership in XXXX XXXX, NJ called XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX ) on XX/XX/2022 and saw a XXXXXXXX XXXX. I've contacted them again in about 3 days and they told me the car I saw was already sold. They told me that if I want the car I'd have to come and make a deposit so I get the car in the next shipment. 
So I've visited them again on XX/XX/2022 and paid a {$5000.00} deposit and signed couple of papers for the car. I've been told that the car would arrive Friday, XX/XX/XXXX ( " in 3 days max '' was the exact words by the salesman ) the latest. I've followed up with them almost everyday until XX/XX/XXXX, the same answer I get was " it should be on the truck arriving today ''.

One thing I forgot to mention was that the VIN number put on the initial contract is different than the actual VIN number of the car I was supposed to get. When I said that to the salesman he said " Oh we will have to redo some paperwork to fix it don't worry ''! So I was sold a car that didn't even exist! 
On Thursday XX/XX/2022. I went to them and told them I don't want the car since they have been so irresponsible with the paperwork and the promised delivery time. They told me OK and they took my debit card ( the same card I paid the {$5000.00} with ) to accounting office and then gave it back to me and told me your refund should be issued in around 2 to 3 business days.

Now I'm writing this on XX/XX/2022, little over a month from the day I was told that the refund will be issued, and still I haven't received my refund. I've contacted them thousands time and I always get ditched. 
And to make things worse, I see a car loan with Capital One Bank in my name for a car I didn't even purchase!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My Equifax report and score is not showing up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
TO WHOM IT MAY CONCERN : I AM XXXX XXXX XXXX XXXX THAT XXXX  THIS PAST SUMMER, FROM XXXX XXXX XXXX. AS SOON AS XXXX I BEGAN XXXX  SCHOOL, AND MY XXXX BEGAN XXXX SCHOOL. A FEW MONTHS LATER MY XXXX BEGAN RECEIVING NOTICES FOR ME FROM SUNTRUST BANK, NOW CALLED TRUIST BANK, STATING THAT I OWE MY FIRST STUDENT LOAN. SHE TRIED CALLING ON MY BEHALF SINCE I WAS NOT IN THE COUNTRY, BUT THEY REFUSED TO TALK TO HER. SHE ASKED WHAT SHE CAN DO SINCE I WAS STILL IN SCHOOL, AND I WOULD NOT BE ABLE TO COMMENCE MY LOAN REPAYMENT. THEY SAID THEY WILL SEND OUT A REQUEST FOR DEFERMENT, WHICH MY XXXX RECEIVED AND SCANNED IT TO ME SO THAT I COULD GET MY SCHOOL OFFICIALS TO FILL OUT THEIR PART ALSO. MY XXXX MAILED IN MY DEFERMENT, AND ALSO TRIED FAXING IT. STILL THE CALLS, AND LETTERS CONTINUED. THEY BEGAN COLLECTIONS PROCEEDINGS, AND THIS IS ON MY CREDIT. EVEN AFTER I CALLED SEVERAL TIMES AND I APPLIED FOR A DEFERMENT WHICH WAS NEVER ACKNOWLEDGED. I PUT IN A CREDIT DISPUTE. I HAVE NOT EVEN BEGUN MY LIFE OR CAREER AS OF YET. MY CREDIT WAS IMPECCABLE. I DID NOT EVEN HAVE A CHANCE TO FINISH MY EDUCATION, AND THEY WANT ME TO FAIL. XXXX  SCHOOL IS ALREADY DIFFICULT ENOUGH, AND NOW I HAVE TO WORRY ABOUT THIS RIGHT NOW. PLEASE HELP.

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 2022-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I was approved from California Mortgage releif program on XX/XX/2022 and its been 17 days since then, no appraiser has come to the house to appraise the property value as my property value has increased and PMI needs to be removed from my monthly Mortgage payment. Secondly since I served the case till now I was told several times by XXXX XXXX ( attorney of Mr. Cooper ) that she is trying to bring some resolution to the case and will present me a modification, 5 months have passed and no modification has been provided to me. 

Thirdly, XXXX XXXX now wants me to communicate her with postal mails only which is going to waste a lot of time, money, paper envelopes, paper and stamps, I don't have money to sent fed ex or overnight express mails, and why should I waste money on paper envelopes, paper and stamps when I already pay for the internet, additionally it is time wastage, because first class mail takes three days to be delivered and then XXXX XXXX will take additional time to respond. So a thing which can be resolved on email within 5 minutes, will take 5-10 business days, doesn't make any sense. Rather than solving the matter she is further making it more complicated. 

I further need clarification on when to make Mortgage payment, how much is my payment? and when Mr. Cooper will send an appraiser to appraise the property? and when will I get the modification done on my Mortgage payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting and XXXX XXXX Acct # 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Fraudulent inquiries and inaccurate account information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Fraudulent inquiries and inaccurate account 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 non-monetary relief
Consumer complaint received 2022-03-20 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: NV

Complaint narrative:
Fraudulent inquiries and inaccurate account 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 non-monetary relief
Consumer complaint received 2022-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the XXXX XXXX XXXX and XXXX XXXX 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-20 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting and XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Approximately 6 months ago I called Barclay 's to ask them to reduce credit card payment. We were still recovering from COVID layoff 's, had a death in the family and actually used the credit card to pay for final expenses. Our rent also went up {$400.00} in XX/XX/XXXX. The representative said that she needed XXXX XXXX 's permission to speak with me. We called XXXX XXXX on a three-way call and he gave permission. The representative said that she would reduce our monthly payment. That did not happen. We called a second time, XXXX XXXX was sitting with me and gave permission for me to discuss the card. This representative ( second time ) said that she could get us to lower payments but it didn't happen. We called a third time, again said they would reduce payment from $ XXXX monthly to $ XXXX monthly. All the while I continue to pay what we can afford monthly $ XXXX {$180.00} monthly. We are ( were ) in the process of buying a house but when the report was ran, it came back that Barclay 's is in delinquent status ( because we wer n't paying the minimum ). We were disqualified for the house ( XX/XX/XXXX ). XXXX XXXX called Barclay 's XX/XX/XXXX ( 4th call ) and the gentleman made arrangements that are now reflected on the website as closed account with payment arrangements. The representative said they did not reduce payment because I ( XXXX XXXX ) was not an authorized user on the account, but I am his legal wife and pay this bill through my account. We lost the home that we were in escrow for because of their incompetence and miscommunication.

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 2022-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
I have a medical debt that originated with XXXX XXXX. I was making monthly payments for well over a year, maybe even 2 and when I was unable to continue, the debt was sold to BC Services Inc. Total currently due ( {$8100.00} + {$7700.00} ). Same incident but for some unknown reason, these were submitted on 2 accounts. 

When I missed a payment, it was reported to the credit bureau and when I called to rectify, I was told that nothing could be done except to pay the balance. They offered to reduce in half if I paid in one lump sum. I explained I didn't have {$7900.00} and they suggested I get a loan to pay it off. The interest was over 20 % so I was unable to get the loan. They threatened on several occasions to take me to court. 

I recently submitted this debt ( and the one associated with the surgeon from the same accident ) to a 'debt relief company ' and I am paying them $ XXXX. The total medical debt is $ XXXX. The surgeon office never submitted my unpaid account to collections. 

I have been trying to get approved for 'First-time home buying ' programs to help me purchase a home and this debt on my report has resulted in my requests being refused.

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 2022-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: PR

Complaint narrative:
On XX/XX/2022 my coinbase account was restricted with no notice to me. No reason was given. I immediately opened a case but received no response as of today, XXXX XXXX, 2022. I filed multiple complaints directly to coinbase and called them many times but they refused to tell me what to do or give me back my money. 

I have around $ XXXX in the account that I am unable to withdraw. I submitted withdraw requests but coinbase cancelled them. I am unable to sell the crypto in my account or withdraw it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: NV

Complaint narrative:
We're currently applying to do a cash out refinance on our current home and our lender found an issue on my wife 's credit report. It is showing that we were late paying our mortgage for 120 days and it shows it being a student loan ... ... how is this even right? 

You can see the details on the screenshot. The entry was posted on XX/XX/2021. We paid our house in full on XX/XX/2021. 

We were wondering why our credit report took a hit and couldn't figure out why until a year later! This is absolutely atrocious and damaging.

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 2022-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon 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 non-monetary relief
Consumer complaint received 2022-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: PR

Complaint narrative:
I enter in the following webpage : XXXX XXXX XXXX And join to telegram group. 
I bought XXXX XXXX XXXX for unit ( 1280 dollars c/u ) in total 6,400 dollars. I used my shib coins through Crypto.com. After they received 3 transactions closed the conversation. This is fraud. I contact Crypto.com for notify the fraud, but not help me.

Company response to consumer: Closed with explanation