vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XX/XX/XXXX, I checked my American Express account after receiving notice that I was charged a late fee. I was not supposed to have a balance in the first place because a balance transfer of {$360.00} was supposed to have occurred. XXXX XXXX XXXX had approved a balance transfer from the American Express account. However the charges still remained on the American Express account. I also was charged a {$40.00} late fee for not making the XXXX payment. When I called to speak to a representative she said that American Express changed their policy and weren't allowing balance transfers during the pandemic. The information did not sound correct to me. She said all she could do is wave the late fee for me. Then she said my account maybe subject to APR penalties because of the missed payment. This is not fair at all. I called another American Express representative and he said this should not have happened. But it did.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I receive 2-3 calls per day at my employer from XXXX XXXX. Ive repeatedly mentioned this is my work and to cease calls at my employers number. If I block a number, the next day XXXX will continue to call using another XXXX XXXX phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: LA

Complaint narrative:
On XX/XX/21 a fraudulent inquiry by XXXX XXXX was made on my credit report. 
I did not initiate an application for credit with any of these companies. This is not a factual record of my credit history because I did not initiate it. This credit file inquiry is unauthorized and without a permissible purpose

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 2021-06-12 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: NC

Complaint narrative:
XX/XX/XXXX To Whom It May Concern : TransUnion It has come to my attention that continued requests for removal of items that do not belong to me are still entered as accounts on my credit report. You also have incorrect names and variations listed, which is not normal. There is an immediate request for removal and blockage of incorrect and mis-represented information. 
It seems that a new account not belonging to me is appearing every few days. 
There seems to be a high-level of incompetence at this company, as I have continued to submit a dispute every 30 days with part of the disputes being removed and the other half remaining. This is asinine! Please remove the fraudulent information immediately from my file. 

Correct Home Address : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX NC XXXX Accounts to be Removed : XXXX - Closed Charge Off - {$0.00} ACCT # XXXX XXXX XXXX XXXX - Closed Charge Off - {$0.00} ACCT # : XXXX Incorrect Address Info : XXXX XXXX XXXX XXXX, XXXX NC XXXX. 
XXXX XXXX  XXXX XXXX XXXX, XXXX NC XXXX I have never lived at these locations. I have been at my current home for the past 25 years. 
I have included a copy of my utility bill for verification. 

There was also several inquires that I noticed that does not represent a request from me. It needs to be removed as well. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX EMAIL : XXXX SSN:XXXX DOB : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld Systems refuses to remove their tradeline from my credit reports when clearly i was not responsible for this medical bill. I have attached documentation & emails stating that i was bill in error for this. i have contact TSI numerous times regarding this matter and they're unable to comply with my request. As i said, i was bill in error and the company that make that mistake took care of the bill. Please find all the information in the attachments. Also the quest diagnostics bill clearly states the name of the company and billing information for the party responsible as well the emails

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: OH

Complaint narrative:
Pulled up a copy of my credit report and seen there were some accounts that are not mine and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The following accounts in dispute are listed below : XXXX XXXX # XXXX, XXXX XXXX XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: FL

Complaint narrative:
My credit needed some attention and after about 1 year, post pandemic, I began fixing my credit and monitoring my credit report and scores. While repairing my credit significantly I noticed my credit scores increasing which is what I set out to do and wanted. I've re-established credit with old and new financial institutions and obtained new credit cards with other credit card companies. I've used my new credit and to this day I have " Never '' carried a balance, not once. I pay my charges in full and currently I have XXXX balance on all of them, XXXX and there are about 5 major credit cards I have. I monitor my spending daily as I do all 3 credit reports. My credit scores were in the high 600 's and 1 was at XXXX just a couple of days ago. Today, XX/XX/2021 I check my credit reports and all of the scores except one, XXXX have dropped more than 40 points? and again, I don't now nor have I ever carried a balance and my payments are before on time, I pay any card before it's even due some times. My concern is, why with me being extremely vigilant with my spending and to never carry a balance forward, to me this is unfair for the credit report agencies, Trans Union, who has never raised my credit score went from XXXX to, as of today XXXX and XXXX who just last week my score was XXXX and now it's XXXX. And again, today my credit cards are all at Balance {$0.00}, my monthly payments on my auto lease is impeccably on time, No I am paid 2 months ahead as a matter for fact. I feel the reporting and scoring are totally inaccurate as I have tried too hard and have been too diligent in maintaining a good credit history. It's time for me to push back on what I feel is clearly Unfair credit reporting and they have lowered my standings in terms of my credit worthiness.

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 2021-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WI

Complaint narrative:
I have an account with Coinbase ( CB ) where I own XXXX XXXX cryptos valued at nearly {$XXXX}. On XX/XX/2021, at XXXX central time, I noticed that my XXXX XXXX were sold and the cash money were transferred to some account that I am not familiar with. Also they tried to transfer {$2000.00} from my XXXX to CB account. I contacted CB immediately and filed a complaint ticket ( Case # XXXX ). ( they do not have live support ). 


My account was locked and I had never heard from them since. 
CB has a policy that when someone initiate a cash withdrawal, it would take 1-5 days before the fund are fully transferred to the bank account. So CB has plenty of time to stop the fraud transaction since I informed them immediately. 

I use 2fa authentication security login and there is no evidence that my personal PC or phone were hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MIDFIRST BANK
State: PA

Complaint narrative:
I opened an account with XXXX on XX/XX/XXXX via their XXXX app. I received two emails welcoming me and confirming my open account. On the same day, I electronically deposited a {$100.00} check into the new XXXX account via their app and received notice that the funds would be available within five business days. I then setup trial deposits from another of my bank accounts so that I could transfer to/from XXXX. 

On XX/XX/XXXX, I saw the trail deposits in my XXXX account, so I set up a transfer from my external account to XXXX for {$1000.00}. Later in the evening on the XXXX, I was unable to log into the XXXX app. Since these issues do sometimes occur, I did not contact support at that time. 

On XX/XX/XXXX, I still could not log into the app, and even trying to reset my password yielded an error that I should call support. So I did and was told that I could not access my account because XXXX closed my account " for business reasons. '' I received no notification of this closure prior to my conversation with this rep on the XXXX. The rep told me to expect a letter in the mail. 

I then asked about the status of my funds. The rep told me that the {$1000.00} transfer should be rejected and returned to my originating bank because it had not yet shown up on their end. But the rep then told me that the {$100.00} from my check deposit would be held until XX/XX/XXXX because even though the account is closed as of the XXXX, it will not " process as closed '' until XX/XX/XXXX. Then they will send a certified check for {$100.00} on XX/XX/XXXX. I asked if I could withdraw the funds via the app, but the rep told me that my account access was locked and could not be reinstated because my account was closed. 

Thus, I seem to have no way to retrieve my funds before XX/XX/XXXX even though I received no advance notice of this closure or even a specific reason for the closure, and I was offered no alternative way to retrieve my funds besides waiting until no sooner than XX/XX/XXXX ( plus mailing time, most likely ). 

I do not believe XXXX acted in good faith in this instance and request that my {$100.00} be released immediately to me either electronically or via certified check on the next business day.

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 2021-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc.
State: RI

Complaint narrative:
I received a Money Lion debit card in the mail yesterday ( XX/XX/2021 ) that I did not order, request nor open in person/online. The debit card had an activation tel. number affixed to the new debit card. I went to their website and called XXXX which is their complaint debit card tel. number that is advertised. I spoke to a " XXXX '' who asked me for my last 4 digits of SSN or DOB. I reluctantly gave him my last 4 digits of my SSN and told him repeatedly that I did not open the account tied to the debit card received nor any other accounts with Money Lion. I also did not ever activate nor give anybody at Money Lion permission to activate it during the course of my telephone call. 

I suspected this was opened by the same perpetrators who filed for a fraudulent RI Unemployment Benefits under my name on XX/XX/2021 ( I already filed a RI State Police report on this incident ). XXXX @ XXXX XXXX said he would close the account, but did not give me any details of what was opened using my name/address/identification or how many financial services were opened at Money Lion. XXXX also instructed me to cut up the card. I gave him my email address to send me confirmation of the account closure, which I did receive after the call was concluded. 

Prior to contacting Money Lion on the phone, as indicated above, I filed a local police report on the matter of the debit card received ( i.e. financial identity theft ). The police officer said he would log my report, but would not have it completed in writing for another couple of days - he recommended I contact Money Lion regardless, which I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company
State: NV

Complaint narrative:
In XX/XX/2021, I began working with Guild mortgage. We were initially working towards a VA loan but after months of looking at that, were told that if we were able to come up with 5 % down that we would be qualified for a conventional loan. I came up with the 5 % through documented back wages that were owed to me and contact the company. I never heard back other than to question the source of the wages which I explained. I still never heard back. I found a house and submitted an offer and when the realtor messaged the mortgage broker to see where we were on the prequalification process, the broker directly called back to inform her that we have been denied. We were not informed of that. I had not heard back since explaining to XXXX where the wages came from. I feel there was a breakdown in communication and relationship happened when we were told to go for the conventional versus the VA. 

I became very upset and stated to XXXX this is too much, I need a break, thank you for your time before hanging up abruptly and at that point, I only dealt with XXXX and with an average four day wait in communications and was then denied a loan without being notified notified. 

I feel that at the point I hung up the phone abruptly, and emailed XXXX explaining my personal situation, that XXXX personally felt she had the power to contribute to extreme horrors in my life and opted to do that rather than just telling us we were denied for a loan and allowing me to part ways and go to different alternatives. 


After being denied the loan according to the realtor, XXXX who was emailed by the realtor, messaged me to explain that XXXX would be reaching out. I waited the entirety of the rest of the business day and I made four calls to the business and XXXX cell phone that were all unreturned. Its clear to me that the breakdown of communication was extreme and just not stated. 

It is noted and identifiable that I am an XXXX woman from outside of the area and I feel that preconceived biases about race allowed my asking for a break to be interpreted as aggression which then led to me being denied a loan and not even told about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc.
State: NY

Complaint narrative:
I sent out a Validation of debt letter out XX/XX/2021 and company responded back with No proof of debt validity. No signature, agreement and/or contract between the consumer and debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter to you disputing this item as erroneous and fraud on XX/XX/2021 and mailed it. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Local real estate taxes went up, causing BB & T, now Truist, to increase the escrow payments and as a result my monthly mortgage payment. I had been paying my monthly mortgage payment automatically through my bank account with XXXX XXXX. I did not notice the information that my monthly payment had increased, and received a phone call once the next payment was due. I told the person on the phone conversation that I would increase the automatic payment to a little more than the new monthly payment to cover the difference. 

The next payment that was {$22.00} over the new monthly payment was held in a " suspend '' account because it did not include late fees from the previous month. None of the amount was applied until the next payment that was another {$22.00} above the normal new monthly payment was applied. This caused new late fees, and did nothing to catch up on the old late fees. While funds are in the " Suspend '' account they do not show up as applied to any payment, making the payment received and the payment due ambiguous. In fact the " payment due '' on the website appears to be below the amount sent. 

BB & T, now Truist, has developed a system in which late fees cascade even when payments are made on time, by holding funds that were sent in a " suspend '' account until they are considered late, and they are able to charge another late fee. 

A reasonable person would expect that the funds that were sent to be applied at the time they were received to the payment due, and any overages to be applied to past due charges.

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 2021-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I made a purchase online after doing so I realized the company wasn't selling why they lead me to believe I was getting. My Bank Capital one text my phone and asked if I made the purchase I replied no and then tried to call the number in the text to clarify what was going on. I tried 3 times to no avail. After a week of no contact from capital one i called XX/XX/2021 at XXXXXXXX XXXX and after asking for my social security number, phone number, account number, date of birth they told me they can't turn my card back on or update my phone number. I said well if I have verified I own this account how are you going to hold my money and tell me you can't update and I'm just out of luck no I'll close it. The Manager ( XXXX XXXX ) said I understand. I can hold this account so you can come in a close it .... He should be walked to his car! See this week I'm broke but millions of dollars are on there way to me and trust when I say I will make sure every poor person is warned about banks who disrespect them because of how much money is in there account. This is sickening, the laws are now do for CHANGE! 

I paid my credit card with the balance in this account since they would not give me my money while I was on unemployment. I was forced to use my money as best I could so this system didn't eat my coins once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: OH

Complaint narrative:
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation