vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: HI

Complaint narrative:
There was a fraud on XXXX and I reported it to Coinbase and they assured me that they were not going to release those funds, however they did against my consent. I phoned them 3 times that day, explaining them it was a fraud. 
They also sent me an email saying that those funds ( {$800.00} aprox ) where not going to be released before XXXX when I authorize the transaction ( email attached. ) however they did not follow through and released those funds on XXXX. 
I have called Coinbase for about one month now, and they have all types of excuses for not returning the funds, and they run around not taking any responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.

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 2022-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ark-La-Tex Financial Services, LLC
State: NC

Complaint narrative:
I selected XXXXr XXXX  XXXX Benchmark Mortgage to finance my recent primary home purchase in North Carolina. After years of dealing with XXXX ( XXXX XXXX XXXX ), the XXXX at XXXX was fully aware with my frustration in having them as my mortgage lender. Their customer service rates an F with little to no support, waiting days for a return phone call, and months for an answer to a question submitted via the online channels they provided to me. 

So it was quite a shock when my loan closed on XX/XX/XXXX to have XXXXXXXX XXXX SELL my loan immediately to ... guess who ... XXXX XXXX. I received an email message first from XXXX XXXX last Thursday on XX/XX/XXXX ( before even my first payment ) without having received any notification from XXXX XXXX, until I right away reached out to them to ask WHY would you sell my loan to this lender of all lenders out there? They flippantly replied that it was already sold, too late, nothing could be done except to hope that XXXX XXXX chooses to re-sell my loan again at some undefined point in the future. 

How can a company do this without any input from the actual customer? Consumers should be given a choice of 2 - 3 potential lenders, and then we select with whom we wish to work for the next 30 years. At this point, my only option to avoid working with XXXX XXXX is to refinance the loan, which I will do as soon as feasibly possible. 

Mortgage lenders have no governance or oversight to their nefarious practices. WHen I select a company, I expect that company to provide the services NOT to have them instantly sell my debt to another company. This practice has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
On three different occasions I tried asking Capital Accounts for proof I owe this debt. I've asked them to verify and validate the debt they say I owe with a contract that has my signature and they continue to only send me a itemized bill in return. They are being deceptive by claiming I have asked for an itemized bill when they no that's not true. They are also raising the initial debt every other month in interest fees. I asked them to provide any XXXX forms that I signed, treatments I received or anything that might connect me to this debt and they still haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been a capital one customer since the beginning of time and have always been a good customer. 

I usually pay all my cap one accounts online. I have never known to pay any other way. 


On Saturday the app kept glitching shutting down on me throughout the day and the customer service hold time was more than a hour. 

I was finally able to pay the minimum balance due online on my due date and was still hit with a late fee of {$40.00}. 


You can not charge me for a late fee when I paid online on the due date. Its not right or fair. 

Capital one should be ashamed of themselves trying to further Put me in debt. 

I want the fee waived and off my account. I tried contacting customer support and they were all rude and unhelpful

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a complaint on XX/XX/2022 # XXXX it took over 30 days to get a response from TransUnion. Transunion sent their response and case was closed on XX/XX/2022. 

With that said, Transunion did not properly update the credit report with XXXX to report my late pays removed and account in good standing. 

Therefore, I contacted the US Department of Education Default resolution division and spoke to XXXX ID # XXXX on XX/XX/2022 to discuss the situation concerning TransUnion refusing to remove the late pays for XXXX. Agent stated the letter I received a year ago ( which was submitted with complaint and is attached ) should have sufficed and those late pays should shown as account in good standing per the Student Loan Rehab terms and conditions. He sent me another letter ( see attached ) and informed me this letter should clarify with the credit bureaus that they need to update my credit report to reflect no late pay s and in good standing. He told me if this doesn't work to contact the US Department of Education to let 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 non-monetary relief
Consumer complaint received 2022-03-21 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: OH

Complaint narrative:
I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.

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 2022-03-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I have 3 car loans that reported me late the first one XXXX XXXX was reported late on XXXX and XX/XX/21. 
The 2nd one Mercedes reported me late XX/XX/21, XX/XX/21 and XX/XX/21 on XXXX and XX/XX/21, XX/XX/21 and XX/XX/21 with XXXX. 
These lates are not accurate, I have sent them letters about this problem already. I had to close my account due to fraud that the auto payments were being made from and we notified the creditor and they agreed to give us time to transfer everything over, but they still reported me late anyway. I had the funds in my account and there is no reason why I wouldn't make the payments on time. I am a XXXX and am constantly traveling so I have a manager that handles paying my accounts. How these are reporting is not correct and inconsistent. Due to the Cares act I am asking that you please have them remove these lates reporting that were not my fault. 
I also have a collection from XXXX XXXX XXXX from an ambulance company that does not belong to me showing on XXXX only. Please have them remove this as I have sent several letters on this matter too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I notice a problem with false information being reported on my credit profile. 
I wrote dispute letters to XXXX, Equifax, and XXXX. Asking them to investigate the following account and validate the collection account XXXX XXXX. On XXXX. Its has been over 60 days with no update, I sent out a 30 day demand to comply request / letter on XXXX by certified mail. 
XXXX received the letter on XXXX at XXXX, Tracking # - XXXX Equifax received the letter on XXXX at XXXX, Tracking # - XXXX XXXX received the letter on XXXX at XXXX Tracking # - XXXX Per XXXX they removed the account. I followed up with Equifax on XXXX they confirmed they removed the account confirmation # XXXX. I called Equifax on XXXX to request proof of deletion, I explained to them I still have yet to receive anything from them verifying the account or investigation results. I was disconnected on three times no one has yet provided an update as to what was going on, and explain why Equifax is still reporting false information on my credit report. XXXX is also claiming they never received anything. I also sent XXXXXXXX XXXX  a debt validation request it has been over 30 days I still did not receive anything from them. Letter was sent on XXXX by certified mail they received it on XXXX at XXXX Tracking # - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: PA

Complaint narrative:
I XXXX XXXX XXXX, natural person, living person is giving written instructions to Experian to remove and cease furnishing any and all reporting activities in regards to the accounts above.

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 2022-03-21 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
A Chase Sapphire credit card was mailed to my home address and I destroyed it because I never applied for this. Several days later, a bill from that credit card was sent to my home address. It had a {$95.00} balance for an annual membership fee. I called this credit card company to inquire and they informed my that an application with a former name I had was applied for, using my current address and that this was applied for on XX/XX/2022. Again, I had not applied for this and informed this company of such. They told me they would close the account and send me a letter verifying this as well as reporting this to the credit reporting agencies. I received that letter on XX/XX/2022. I also applied for a fraud alert with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  ( Account # XXXX ) XXXX XXXX XXXX ) ( Account Status Now Closed- Date XXXX Open- Monthly XXXX 15 U.S.C 1681 section 602A. States I Have Rights to Privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b : A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2022-03-21 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:
In accordance with the Fair Credit Reporting Act XXXX  ( Account # XXXX ) XXXX XXXX XXXX ) ( Account Status Now Closed- Date XXXX Open- Monthly XXXX 15 U.S.C 1681 section 602A. States I Have Rights to Privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b : A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MS

Complaint narrative:
I was scammed out of XXXX dollars by someone XXXX dont know and they took XXXX dollars out my account. I contact cashapp because the funds was pulled out of my linked bank account, they said they arent capable of doing anything about it. So I contact my bank to dispute it, they successfully do it and gives me a provisional credit while it was in the works, fast forward to yesterday cashapp wasnt pleased that my bank said it was wrong about the transaction and demanded the money back so cash app tried to pull the money from my link card without my knowledge. So since they couldnt do that, they charged my cashapp accountXXXX  saying I owe them after I sought for help and everything. Bad business and they are protecting the scammer instead of the person who lost their money more so. Please help. I also was getting paid by dXXXX XXXX dollars and it absorbed my money that was 3 hours of work gone from me towards this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. 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 XXXX i made this clear for 60 days straight with XXXX  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 XXXX. 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 n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX I applied for an automobile loan. The dealership sent my credit application to several lenders each time without my direct consent. I have called the lenders and none can produce a signed application for credit with their companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I XXXX XXXX Consumer, natural person, living person is giving written instructions to XXXX to remove and cease furnishing any and all reporting activities in regards to the accounts above.

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 2022-03-21 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: PA

Complaint narrative:
I XXXX XXXX Consumer, natural person, living person is giving written instructions to XXXX to remove and cease furnishing any and all reporting activities in regards to the accounts above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Guidance Alum LLC
State: CA

Complaint narrative:
This company contacted me by email after government release information on XXXX student loan agencies, they promise to step in and make full payments as of XX/XX/2021, and by XXXX of 2021 I myself had my own loan discharge and no thanks to the company who made no payments to the student loan nor have I received any refund of the {$780.00} taken from my bank account. Wire fraud is a crime and if this continues all education institutions will be questioned..do n't answer any phone calls making promises that can only hurt your future Guidance XXXX a month evidence is attached.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-21 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. U.S. Code, 15 U.S.C. {$1600.00} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm = physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me. Please provide proof of permissible purpose by furnishing to n5 & 39 documentation of credit application with proof of signature showing that I indeed applied for credit with this company, elsewise delete the alleged inquiries

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 2022-03-21 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: MoneyLion Inc.
State: TX

Complaint narrative:
I communicate with you by this means since I have been presenting certain problems for years with the company moneylion inc, they have on several occasions decided to close my account without any justification, even I sent them the documents required by them, specifically my XXXX  account presents a balance of {$22000.00} dollars, which have been withheld since XX/XX/2020, I need your help to be able to restore my account or be able to recover my funds without the injustice that this company commits with its users.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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:
I have tried to speak with Transunion representatives and they refused to remove all negative inquiries off of 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