vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: HI

Complaint narrative:
I tried to redeem my US Bank business credit card cash rewards to my US Bank personal checking account. The system keeps telling me " an unexpected error has occurred. '' I called the number on back of my biz credit card. The agent told me I have the wrong routing number and/or checking account number. I told her that I checked XXXX times already and am 100 % certain I provided the correct info. The agent told me she could not help me and made me contact the checking accounts team. I called them and that agent also told me they could not help me and transferred me back to the biz credit card team. US Bank is giving me the complete runaround here and I am tired of this back and forth nonsense. I have the correct account information, unless US Bank changed this without my knowledge, nor consent.

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 2021-11-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Hello, My name is XXXX XXXX, I contacted XXXX XXXX Attorney XXXX XXXX XXXX XXXXXXXX and XXXX of the U.S. Securities and Exchange Commission and he referred me to contact you regarding Coinbase Inc and a malfunction on the trading platform. I purchased XXXX XXXX  times XXXX the ticker/stock went up to around {$160000.00} + I attempted to remove some of my funds of {$130000.00} XXXX and keep the rest in the Coinbase Inc. and the transaction was canceled ( Transaction ID # XXXX ). Later in the evening my account was locked out by Coinbase Inc along with few 1000 other individuals according to reddit complaints. Coinbase Inc has made some type of error and Should be held responsible for their actions. My money is still invested into Coinbase Inc and can not be removed from the platform. Coinbase admitting to the malfunction gave me a tiny compensation credit of {$38.00} in XXXX in exchange for their mistake. I do not think this is a fair as I have email and picture evidence/ proof of my profile listing the correct amount of digital coins and Coinbase Inc went into and altered my profile switching and changing my crypto ownership shares and diluting my profits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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 — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have requested American express to review the billing issue which is overly charged me, XXXX never returned the money which stated I have the credit in my cold card activity end of the year XXXX, erred to put in the monthly statement show credit me, it indicated the summery of the each transaction and monthly statement are not matched, it is wrong to have this kind of practice, I have contact American express in early XXXX, it misled me that they credit me showing the monthly statement, I truly believe American express never refund me the money after I found out the balance of summery of the activity in XXXX, XXXX is different from of the balance of monthly statement, since then I contacted american express multiple times each month customer service regarding this issue, they ignored me.I filed case no. XXXX, wished to upload documents online to proof American express owes me {$11000.00}, I was not allowed to upload the documents, I sent email the attachment to customer service, got return the files today on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: TX

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
I have been a customer of coin base since beginning of the year, I have had transaction buying XXXX, I applied for a coin base card and received one. I activated the card and no issue. I went to trade next day the web was saying account under review and need some time to verify you won't be able to use coin base it would take a few days, that was around middle of XX/XX/2021. I waited sent out out a few emails through their sight and requested to upload another id photo with some bank statement, I uploaded the info. I waited a few weeks with the same routine contacted them through email, no result. On XXXX XXXX I opened coin base support case # XXXX verification. On XX/XX/XXXX XXXX I got an answered that this case has been close and also they let me know that our team is working diligently to review your account do not submit another request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-29 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:
FTC report # XXXX Police report-per FTC it is OPTIONAL My name is XXXX XXXX These accounts need to be DELETED from my consumer reports and I need a copy of clean reports once removed. The credit reporting agencies are taking their time to remove ( been going back and forth with them for XXXX months now ). A few of them have removed some, but the fact that these account still remain is clueless to me as to why havent been removed when FTC report was included per the CRA 's request. 

Again, I need these accounts listed below including inquiries attached DELETED asap. My FTC reports # is also listed at top of paragraph XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
FTC report # XXXX Police report-per FTC it is OPTIONAL My name is XXXX XXXX These accounts need to be DELETED from my consumer reports and I need a copy of clean reports once removed. The credit reporting agencies are taking their time to remove ( been going back and forth with them for XXXX months now ). A few of them have removed some, but the fact that these account still remain is clueless to me as to why havent been removed when FTC report was included per the CRA 's request. 

Again, I need these accounts listed below including inquiries attached DELETED asap. My FTC reports # is also listed at top of paragraph : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2021-11-29 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: PA

Complaint narrative:
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. 
Upon reviewing my updates, incorrect information about my inquiries was found in my Credit Reports. The Transunion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Here are the concerned Inquiry : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX  XXXXXXXX XXXX Inquiry Date : XX/XX/2020 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 2021-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I try to fix the problem last time i send the letter to cfpb and you are still reporting this negative items

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 2021-11-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kingston Data & Credit International Inc.
State: CA

Complaint narrative:
Prove that I walked into to this gym and signed these documents! Prove that I agreed that I received anything with my signature on it! Also you never responded to the XXXX credit letters sent to your company addresses how much you guys paid for this debt amongst other questions your obligations as a agency have to answer! Your company is a fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
I had USAA through XXXX XXXX in XXXX and XXXX, I became XXXX in XXXX when my father died. XXXX and XXXX XXXX have convicted a fraudulent scheme involving me and my son 's identity and defrauding several insurance companies, IRS, XXXX, XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: MI

Complaint narrative:
I see that you guys validated that these inquiries are accurate. I would like a copy of my written signature, a written copy the time and date of when this happened, a written copy of the rep or clerk who handled me as customer or client. I am not of aware of these inaccurate inquires and you are reporting false information on my credit file which is against the FCRA and I ask that you immediately delete these inaccurate items.

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 2021-11-29 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I have a loan with PHH MORT SVC. I have always made my payments on time yet there was a 120-day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting the XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CARVANT FINANCIAL LLC
State: CT

Complaint narrative:
I had a vehicle Repossessed in XX/XX/XXXX for non payment had a XXXX lost XXXX in XXXX XXXX and could no XXXX XXXX the lending institution was Carvant Financial the account was closed in XX/XX/XXXX Shortly after I contacted the lender to make an offer of Compromise last month on this loan late payments were added to my credit report for XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I contacted XXXX and XXXX to dispute the new late payments after the account was closed this issue remains unresolved so far XXXX has the correct data Can you please help me resolve this issue

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Bank XXXX XXXX XXXX is reporting fraudulent information to the credit bureau. XXXX XXXX XXXX reporting fraud to the credit bureaus

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 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have requested that my freeze be removed permanently. My name is XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX My XXXX XXXX. My SS XXXX. 
Please remove any and all XXXX freezes at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have requested that my freeze be removed permanently. My name is XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX My XXXX XXXX. My SS XXXX. 
Please remove any and all XXXX freezes at once.

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 2021-11-29 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
On XX/XX/XXXX a charge was made to my card of {$98.00} from XXXX XXXX XXXX XXXX, I contacted my card company and mentioned the situation, they took months to decide that they could not do anything, and they did not provide me with any evidence of that purchase. 
I did not make that purchase paypal credit card is a company that treats its customers with discrimination and racism

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-29 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: PA

Complaint narrative:
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 : Late Close : XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX {$0.00} Date Opened : XX/XX/XXXX Charge Off : XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX {$0.00} Collection : ( Original Creditor : XXXX XXXX ) XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I applied for the Chase XXXX XXXX XXXX credit card on XX/XX/XXXX. On this day, there was a banner above the application that read : " Apply by XX/XX/XXXX and receive XXXX XXXX XXXX credits for each night you stay from XX/XX/XXXX to XX/XX/XXXX. '' ( see attached image ) I was approved for this card on XX/XX/XXXX. I called to confirm this benefit, as I had applied by " Apply by '' date, and the Chase representative told me that I will not receive this benefit, as I was not approved until after the deadline. 

Please note, the wording does not have a deadline for approval. It just has a deadline for applying. 

Chase confirmed with me another time on the phone that I will not be receiving this benefit for this reason. I then took the issue up with XXXX, who contacted Chase, and I received an email confirming their stance. ( see attached PDF ) I believe that they're intentionally misinterpreting the wording on their offer. I was going to use this offer with my booked XXXX stays to achieve XXXX XXXX status this year, which XXXX XXXX XXXX values at {$4900.00} ( see link below ), so I believe this is what Chase has effectively cheated me out of. 

link for value of night credits : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: PNC Bank N.A.
State: TX

Complaint narrative:
I called PNC bank because I couldnt transfer money from my checking account to my home equity loan .On XX/XX/XXXX The first person I spoke to was XXXX I wasnt happy with the way she was speaking to me so I asked for her supervisor, she stated they do not have a supervisor, then I asked for their corporate office number she gave me the number I just had called? This time I spoke to XXXX on XX/XX/XXXX and stated I wanted to file a complaint against XXXX of PNC customer service he tool my information said someone will contact you within 24-48 hours. It took XXXX days when XXXX contacted me and said exactly the same thing that PNC only has XXXX contact number which is true because I went on the PNC website it only has XXXX contact number. I then received a email from XXXX on XX/XX/XXXX and then tried to contact her by phone and email and got no response. I finally researched on XXXX and found a phone number that I called and spoke to XXXX she took my report and again stated someone would contact me within 24-48 hours I told XXXX thats not true she then changed her response that it would be 3-7 days because of all the complaints they are having. I then asked to speak to her supervisor XXXX and told her my concern with their bank not posting my purchases and the complaint I wanted to file against XXXX. She the argued with me that their website has more than one contact number I disagreed with her and asked her to go on her own bank website PNC. She then came back on the phone after a brief hold and stated that I was correct so she lied to me. I went on their XXXX page and started to read thousands of complaints against PNC! I also saw a lot of complaints on XXXX, XXXX about how rude their customer service is and that there is only XXXX phone number to contact PNC. My first phone call I had to wait XXXX hours and no one answered so I tried the next day same thing happened. I then decided to go to XXXX of their locations in XXXX XXXXXXXX XXXX. The branch manager was extremely nice and tried to help I asked her I was trying to transfer funds from my checking account to my home equity loan on the PNC bank. She asked for my phone and tried also she had no luck she then attempt to call their corporate office for help sorry to say same thing happened to the branch manager no one answered. She then opened a book to try to find a number to call and did. She stated its a nightmare working for PNC. My concern is that it XXXX days to actually speak to someone XXXX the supervisor XXXX who got upset with me because I was correct that PNC only has XXXX contact number she then hung up on me after I waited a hour to finally speak to someone. Please read the reviews on the PNC XXXX pageXXXX XXXX and XXXX and you will see all the complaints!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I did a mobile deposit for {$5000.00} cahier check on or about XXXX from my father. From that time TD Bank put my account on hold. I wasn't able to get any of my money from that account. I went several time to the bank and all they was saying the the check wasn't verify and something about fraud Then the manger stated that the check was verity. I still didn't hear anything on this situation. It's been about 2 months now.

Company response to consumer: Closed with non-monetary relief