Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Funds not received from closed account

Discover closed my checking account without any notice. I had just transferred {$130.00} from my XXXX account prior to them closing my account and in response to my complaint, they said that they sent all funds in my account to the State of Maine Unemployment office. This included the {$130.00} transfer from my XXXX account. I received a check for {$3.00} today, which is nowhere close to the {$130.00} I had transferred. I do not understand why they would send MY funds to the State of Maine Unemployment office. It had nothing to do with the State of Maine so I don't know why they would send my money to some other business.
Complaint sub-issue: Account information incorrect

XXXX XXXX is having no problem at all updating my credit report. EQUIFAX IS THE ISSUE. They will not update my credit report and when I call about it they want me to mail them a copy of my social security, address, drivers license and birth certificate! I cant ever get ahold of someone who works with equifax that lives in America and quite frankly I find it extremely suspicious that a team in the XXXX is requesting this information. Im extremely upset that an American company can have such a negative impact on my credit score but not even allow me to speak to someone state side. I have had people try to scam me before so I am just extremely uncomfortable with this and do not understand why they have so much authority on my life. I have been trying to get a loan for a car but they are refusing to update my credit report.
Complaint sub-issue: Investigation took more than 30 days

fcra violation why does credco need the same report 5 times remove all but one XXXX  did the same 2 inquires same day XXXX  XXXX never applied ftc CREDCO XX/XX/2019 CREDCO XX/XX/2019 CREDCO XX/XX/2019 CREDCO XX/XX/2019 CREDCO XX/XX/2019 XXXX  XXXX XX/XX/2019 CREDCO XX/XX/2019 XXXX  XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019
Complaint sub-issue: Problem using the card to withdraw money from an ATM

What happened was that XXXX XXXX XXXX who owns XXXX XXXX XXXX putted some of my wages on a Wisely card that he mail me to my home address and he only put {$920.00} ( not sure, but around ) and not the entire amount of money he owed me. I opened a case with the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  against XXXX XXXX XXXX, with the Division of Wage and Hour. Claim # XXXX Employer # XXXX Anyway I didn't want to touch the money that was in that card just in case I had to show proof that he didn't pay me the full amount owed to me. So, the last time I spoke with XXXX XXXX XXXX ( Case Investigator in XXXX, NJ ) was like in XX/XX/XXXX, and he sent me a letter, dated ( XX/XX/XXXX stating that he had finished investigating my case and he was going to submit it to his supervisor. I tried calling XXXX XXXX several times and no answer. I finally call a number in XXXX and I was able to talk to some else and told me that the XXXX XXXX NJ had a case against XXXX XXXX ( she used a some sort of Legal term ). She told me that I might get my money in the future if XXXX XXXX sells one of his properties and gave me no hope that I will recover my money. 
So, I called Wisely and they said that my Wisely Card # XXXX XXXX XXXX XXXX Exp. XX/XX/XXXX had some kind of restriction and they told me that my balance was {$920.00} ( or so ). Anyway, then they said that my card # did not exist. I asked to speak to their supervisor, and they never did and hang up. I spoke to two other persons and I was told that the card did not exist. From my understanding they are trying to rob my money.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX, somehow my Cashapp account was compromised. Information was changed and different banking information was uploaded to my account. Not sure how, since my personal information is necessary to update anything. I informed Cashapp of two fraudelent transactions, one of XXXX, and one of XXXX, made from a NJ location, I live in GA. After some investigation, Cashapp did refund the funds from one of the fraudelent transactions, but denied the other, larger amount. These transactions were both reported as fraud, both done at the same time, and by the same source located in NJ, as per the information on Casapp, so why would only one transaction be returned, and not the other? My XXXX account was also compromised, with fraudelent charges made using my Cashapp card information, and once informed, and after XXXX investigated, and noticed suspicious activity, XXXX refunded the funds. I have had my Cashapp account for years, and have not encountered any issues like this before. I would have expected some integrity in the handling of this matter. I do not believe I am getting that from Cashapp. I have since removed Cashapp. I currently keep the app for updates on my dispute, and once refunded, to cash out the funds, and completely close it out. I would not be using the app anymore once this matter is resolved.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Summary : A clearly fraudulent charge was made to my Coinbase XXXX card for {$700.00}. Coinbase support was immediately informed of the charges, but failed to prevent the transaction from completing. A dispute was filed with Coinbase, but after weeks, the fraud team closed the claim without reversing the charge. The funds have been taken from my account without my consent, and Coinbase has left me with no further way to combat this fraud. 

-- -- Details : As a user of Coinbase ( www.coinbase.com ), I signed up for a Coinbase Card in XX/XX/XXXX. This is a XXXX debit card issued by XXXX which uses various currencies in a Coinbase account to fund the debit card payments. 

After using the card without issue for many months, I experienced a pair of fraudulent charges on XX/XX/XXXX ( screen shots attached ). My card was still in my possession at the time. 

Charge # 1 : {$5.00} to " XXXX  XXXX XXXX '' on XX/XX/XXXX at XXXX AM ( this charge was later declined ) Charge # 2 : {$700.00} to " XXXX XXXX '' on XX/XX/XXXX at XXXX AM ( this charge originally showed as {$710.00} ) Hours later, when I first noticed these charges, I contacted Coinbase via their website to report the fraudulent attempt. I also followed up by calling the customer service number listed on the website. 

On the phone ( XXXX AM, XX/XX/XXXX ), the Coinbase card representative indicated that nothing could be done as the charge was " still pending ''. I locked the card per his advice, and was left hoping that both fraudulent charges would be declined in due time. 

On XX/XX/XXXX, I received an email ( attached ), which reiterated that the transaction was still pending and that nothing more could be done. He also indicated that my card would be deactivated at that time. 

On XX/XX/XXXX, a second charge by XXXX XXXX was attempted, but it was declined since the card was locked. The original charge for {$710.00} was still pending. 

On XX/XX/XXXX, I replied via email that a charge for {$700.00} from XXXX XXXX had completed. I also followed up via phone on XX/XX/XXXX. The phone representative indicated that a dispute would be opened with a fraud specialist, and I should wait for an email from that team. 

On XX/XX/XXXX, I received indication via email that the Coinbase Card US support specialist was looking into the case ( see attached email ), and that I would receive a follow-up via email. 

By XX/XX/XXXX, I had received no follow-up, so I requested an update via email reply. Within five hours, I received a reply that my fraud dispute was rejected as invalid and that Coinbase would be closing my claim. 

I now have no recourse to fight this fraudulent charge within Coinbase, and my account is missing the {$700.00} which was taken without my consent. 

-- -- Notes : Repeated fraudulent charges from XXXX XXXX to other Coinbase Card holders have been reported online. 

1XXXX XXXX XXXX XXXXCoinBaseXXXX/ 2. XXXX XXXX XXXX/CoinBase/XXXX 3. XXXX XXXX XXXX/CoinBase/XXXX  4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Other problem

XXXX store credit card. I'm being contacted by XXXX XXXX direct instead of XXXX themselves. They never charged my credit card for my membership so I'm not a member. I applied for a direct XXXX XXXX credit card but was denied. They're threatening to close my card because I don't have a XXXX membership. My minimum keeps changing. As of today I haven't received my bill statement.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act ; XXXX Account # 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.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this 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 n 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 n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXe of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX  XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXXXXXXXXXX XXXXate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXXXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXXDate of inquiry XX/XX/XXXX XXXXate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

I AM A CONSUMER & Equifax is in violation of Consumer Protection Laws, including : 1. ) 15 U.S Code 1681 ( a ) ( 4 ) - " Infringed upon a consumer 's right to privacy '' 2. ) 15 U.S Code 1681 ( a ) ( 2 ) - " No permissible purpose/no written instruction '' 3. ) 15 U.S Code 1681 ( a ) ( e ) - " Improper investigative consumer report '' 4. ) 15 U.S Code 6802 ( a ) - " Disclosed consumer information received from a third party '' 5. ) 18 U.S Code 1028 ( a ) - " Unlawful possession of another person 's identity '' After several calls & letters, I sent them correspondence in XX/XX/2021 and they refused to make the necessary changes so attached is an invoice for each violation. Further action will be taken.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax has violated my right to privacy. They do not and have never received my written instruction to furnish a consumer report pursuant to 15 USC 1681b ( a ) ( 2 ). I have called them multiple times to explain that they do not have my consent to furnish a report and the information within that report and they are violating my right to privacy.

Congress has made it clear at 15 USC 1681 ( a ) ( 3 ) that credit reporting agencies have ASSUMED the role they are playing in assembling and evaluating consumer credit. There is no law that requires them to furnish any information about me the consumer.

Congress has also made it clear at 15 USC 1681 ( a ) ( 4 ) that there is a need for consumer reporting agencies exercise their grave responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumers right to privacy. Equifax is being unfair, impartial, and they are disrespecting my right to privacy by reporting accounts and information on my consumer report without my written instruction. They have no consent from me to do this. 

They are also reporting fraudulent inquiries that I did not authorize. 

Equifax has caused damaged to me in numerous ways including emotional stress and defaming my character by reporting negative information that has not been verified making me appear unworthy of my right to receive credit. 

After attempting to resolve this issue with them over the phone multiple times I am now filing this complaint with the CFPB.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute of 4 public records currently being reported on my equifax credit file. Equifax came back and said the public records were verified and that they are reporting correctly, they also reported that this information was received from XXXX. I contacted XXXX XXXX and spoke with the customer service rep who stated that equifax had not requested a copy of my consumer file. The customer service rep at XXXX XXXX stated that my consume file with XXXX was and has been frozen since XXXX  2017- and that it was not possible for equifax to obtain the information from them. This file with XXXX is frozen due to inaccurate information being reported.
Complaint sub-issue: Transaction was not authorized

I was in the hospital and my wallet was locked up with security. My Reliacard unemployment card through US Bank had two fraudulent bill pays. XX/XX/2021 for {$2000.00} payable to XXXX XXXX XXXX and XX/XX/2021 for {$1000.00} to the same person. No phone number listed for XXXX XXXX XXXX but an email was listed XXXX. It also shows the last four digits of his account as XXXX. I never used bill pay and never added this person as a payee. Total theft and fraud or bank mistake. I emailed it to see if it was a company but no response. I have contacted cardholder services many times and got many different answers. I still have not got my money back. Reliacard says the bill pay is a third party company called XXXX XXXX. They said they have no way to contact them. They can only submit an email to them and wait. No response from them and I have spoken to many supervisors. I need this money for my rent and bills. I have been dealing with this for so long. Ive sent them required faxes and they say they cant do anything else. I was told they cancelled the bill pay but that did not work. I also filed a complaint with the integrity department at the actual unemployment office. That did nothing.
Complaint sub-issue: Banking errors

Bank OZK has failed to pay me, they sent this PDF, the PDF did NOT come with a check and I HAVE NOT RECIEVED A CHECK IN THE MAIL AS I REQUESTED IF THIS BANK DOES NOT PAY ME ASAP I WILL ESCALATE THIS TO LAW ENFORCEMENT. YOU CAN NOT PRETEND TO PAY ME VIA CFPB AND NOT PAY ME> I WANT MY MONEY NOW!
Complaint sub-issue: Information belongs to someone else

I recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report.
Complaint sub-issue: Reporting company used your report improperly

My information/data was stolen from Equifax during their large security breach in 2017. I am filing this complaint to report the theft. I believe Equifax did not take the proper security measures to safeguard my data.
Complaint sub-issue: Card was charged for something you did not purchase with the card

As a consumer and natural person, I am exercising my right to rescind the following transactions : XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX {$22.00} ; XX/XX/2021 ATM WITHDRAWAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA {$60.00} ; XX/XX/2021 XXXX XXXX XXXX VIS XXXX XXXX GA XXXX {$35.00} ; XX/XX/2021 XXXX # XXXX VIS XXXX XXXX GA XXXX {$16.00} ; XX/XX/20XXXX XXXX  # XXXX XXXX  XXXX XXXX GA XXXX {$51.00} ; XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX {$6.00}
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Charge Off XXXX OF XXXX XXXX {$1800.00} XXXX XXXX XXXX {$510.00} XXXX XXXX  XXXX XXXX {$8700.00} Collection XXXX XXXX XXXX XXXX {$980.00}
Complaint sub-issue: Can't get flexible payment options

During a time of financial hardship I fell behind and was unable to make student loan payments. During this time I received several threatening phone calls from a company servicing my federal student loans called XXXX investment corp . Representatives at the company were demanding that I pay the entire lump sum of the loan amount. During several harassing phone calls representatives threatened to send my loan to a law office that will garnish my wages unless I made a payment of {$50000.00} over the phone. I was unsure who this company was and they were unable to confirm details of the accounts. Income based payment options were not made available. Excessive fees and high interest have also been added to my loan balance.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX  XXXX {$120.00} XXXX  XXXX {$750.00} XXXX XXXX {$300.00}
Complaint sub-issue: Information belongs to someone else

my name is XXXX XXXX. I have already notified this bureau several times that I was recently a victim of identity fraud. I let equifax know and I disputed the accounts that were fraudulently reported to my credit and Equifax has not taken action to remove these accounts. I have provided all the necessary documents and they have still violated the FCRA 605 B AND 611
Complaint sub-issue: Account status

I 've tried numerous times in telling Equifax that the XXXX XXXX account is CLOSED. I no longer have the credit card, XXXX XXXX has already charged off my account and sent it to collections. Under these circumstances it 's impossible that my account would be reporting as open, yet Equifax is refusing to read my disputes and is ignorantly not looking into the account status ( which if they did, they would see this is an closed account ) The attached document will show that this account was charged off ; something that would n't be possible if the account was still open
Complaint sub-issue: Information is missing that should be on the report

I filed a dispute on XX/XX/2019 to remove student loans which reports missing information on account history and a incorrect balance on the account and they stated the account is accurate but it's not accurate.
Complaint sub-issue: Public record information inaccurate

There is a XXXX XXXX bankruptcy from 2014 reporting on my credit report. When the bankruptcy was disputed, I received a letter back from the credit bureau stating that the bankruptcy information was verified by XXXX XXXX. I contacted XXXX XXXX and asked them to confirm and validate the record of XXXX XXXX bankruptcy being reported on my credit report. XXXX XXXX responds with a report showing that they do not have a record of any kind of bankruptcy under my name. I was also a part of a class action lawsuit against XXXX XXXX for providing inaccurate information to the credit bureaus and similar entities.
Complaint sub-issue: Account information incorrect

I HAVE SEND IT PAPER WORK AFTER PAPER WORK AND THEY WONT REMOVE THESE ACCOUNTS OR INQUIRES OFF MY REPORT THESE ITEMS ARE NOT MINE I HAVE BEEN A VICTUM OF MAJOR ID THEFT ... PLEASE HELP ME GET THESE ITEMS OFF MY REPORT.