vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-02 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: ERC
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My name is XXXX XXXX, XXXX of The XXXX XXXX XXXX XXXX in XXXX, FL I am a JP Morgan Chase business customer for over three years. They began sending me emails marketing a new product called " XXXX '' & " XXXX XXXX  '' to take credit card payments. I read the disclosures and signed up for the service. I then took payments from some customers using the app. My money was held for over a week while they supposedly reviewed the transactions. I was assured verbally by one of Chase 's reps that once this was over that future transactions would fund the same night. 
Yesterday I accepted payment from two customers totaling {$240.00}. Chase immediately put a " review '' on my transactions and is once again holding the money. This bank is restricting my ability to conduct commerce. This bank should be brought up on charges and fined for this flagrant behavior. This is a form of legalized theft. I mentioned to the rep that I was considering retaining an attorney for a possible Class Action LawSuit. Now when I call to get answers on where my money is they tell me that they can't speak with me because I mentioned LawSuit. This bank is in violation of Federal banking laws and needs to be fined and punished for this behavior. They are stealing!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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 — Problem with personal statement of dispute
Company: Conn's, Inc.
State: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID TEHFT. I SUBMITTED AN INVESTIGATION BUT THEY MADE A MISTAKE. THEY DISPUTED ACCOUNTS I NEVER PUT UNDER DISPUTE. I DISPUTED CONN APPLIANCES OPENED : XX/XX/XXXX AMT. XXXX YOU CAN SEE THAT ON THE FTC REPORT I HAVE ENCLOSED. 
I DID NOT DISPUTE : CONN APPLIANCES OPENEDXXXX AMT. XXXX CONN APPLIANCES OPENED : XX/XX/XXXX AMT. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC
State: IN

Complaint narrative:
A negative item was reported in my credit profile from the collection company Monterey Financial Services, LLC. I have no knowledge of this account, date, or what it is for. I was able to contact Monterey Collections via phone from the number that was provided on my credit report. I spoke with a representative and requested to know what services I had received, what date, and any signed receipts. I was refused this information after providing personal information to verify my identity. I then sent a copy of a debt validation letter to Monterey Financial Services LLC the second week of XXXX, dated XXXX via regular mail, and informed them of my request for information. I had informed them that they had 30 days to respond to my request or remove the negative remark on my file. I have disputed the remark and it is pending investigation. On XXXX, stamped from the post office XXXX, I received a letter from attorney XXXX XXXX XXXX, a representative of XXXX, XXXX stating that I would not be getting the information that I requested and that I owed a past due on a collection as well as an interest fee. According to their claim, I owe an original amount of {$170.00} plus {$9.00} in interest fees for a total sum of {$180.00}. I was told to make a check or money order to XXXX and provided the address to the company in California. I have had no other contact with XXXX since the original phone call and no other written notifications.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2021-12-02 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: Kriya Capital, LLC
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
See previous complaint XXXX Never received a resolution from Bank of America Estate Department XXXX Impossible to speak or receive emails from whomever is handling the case. Any information I have gathered has been through a local branch manager. 
I have only received ( 1 ) check out of ( 5 ) from Bank of America. 

They should be reported to the SEC for withholding funds they are not entitled to.

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 2021-12-02 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:
XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX, i have sent certified letters to Equifax asking to have fraudulent inquires removed to no avail. i requested proof of signature giving permission to pull my credit no one has supplied that nor has the creditor. they still continue to report them. i have sent several complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase stated that its a secure platform howerver Coinbase should take the responsibility as well - These transactions into Coinbase company were part of a cryptocurrency scam, even though it was placed in a good faith and hard to believe it was a fraudulent purchase. 
- After several days investigation, there are plenty and verifiable evidence along with other victims indicating this is a cryptocurrency scam. 

- Coinbase has a big loophole that makes it easy for the scammers to do money laundering and allows scam site to launder funds to their platform. 

-Coinbase is not the safe platform. They only just want to get transaction fee from their customers. 
Such merchant was contributed to fraudulent practices and did not have any safety precautions in place to protect myself and others from this happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Students Come First
State: MO

Complaint narrative:
A company called Students Come First contacted me about a loan forgiveness program and I signed up to pay {$230.00} for 6 months and then pay {$89.00} a month for 10 years. They took out the {$230.00} for 6 months. Made what looked like a payment to my student loan but it never posted. I lost XXXX dollars and my back wont do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX t mobile debit my wellsfargo checking account XXXX. I contact both bank and merchant to find out how and why this happened. After XXXX days of investigation tmobile ultimately was responsible for the mishap. The matter was resolved on XX/XX/XXXX a final credit of XXXX was posted to my account. On XX/XX/XXXX tmobile authorized XXXX. I was contacted by a representative of tmobile explaining it was a mistake if the bank had already given me the credit. I told the rep the money is there and she stated it's to late to reverse can I go in to a XXXX  store to return. I went to a XXXX  branch paid the amount using my wellsfargo account. I check my account on XXXX and find that XXXX has been withdrawn from my account and the culprit was wellsfargo stating I was credited twice. I called customer service and the call was escalated to resolution rep as well as went to local branch that said they don't handle fraud cases. I asked why did it take XXXX months XXXX pay checks several deposits later for them to notice this and why was I not given a letter or an alert to resolve this matter before my account was debit and currently overdrawn. My answer from the resolution rep was that I could speak to an XXXX, which would contact me. And as yet to happen. I ask when I file a fraud case are you not communicating with the merchant. To ensure that the consumer will be made whole and was told that's not how it works. I feel totally violated and unappreciated as a customer of wellsfargo because of there lack of assurance when it comes to transactions and poor customer service skills.

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 2021-12-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated

Complaint narrative:
XXXX DCSS child support XXXX card is terrible. I have called over 12 times in 2 weeks and no one can help me OR its temporary. I can not access the money. I have an XXXX  state issued child support that the funds are put on the card. Im located in XXXX WHICH support the XXXX card. I can not with draw the ChILDS funds. XXXX limits the amount you can receive, all white listed has limits on the time you can use it, I now can not reach anyone by phone. These are court ordered funds that are for the child that I now have no access to. The previous Bank XXXX XXXX card worked perfectly anywhere in XXXX. I need to have access to my sons funds. I was told by XXXX it may or may not work? Really state issued support and I have to fight with a 3rd party and still no answered. Ther3 is money sitting on this card that the child has no access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Trying to refinance with another mortgage company and my current mortgage company Lakeview loan services /XXXX has been holding me XXXX by falsified payoff documents. Hindering the refinance. So I can move on. Lakeview loan services messed up on my taxes and trying to get me to pay for it. My XXXX veteran tax exemption was filed and reported to Lakeview

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 2021-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
A month ago Robin Hood financial froze my debit card for no reason I went to pay a bill and it didn't work they didn't respond repeated emails or didn't tell me anything so I call support and they said we'll have to forward you an email so. They sent me an email saying I needed to verify my identity there was no reason for them to do that I verified my identity with them in 2019 they even sent me a settlement for {$12000.00} without even asking for verification I've been had that account for XXXX  years. I didn't have a physical ID so I told him to have to wait until I went to the XXXX to get one and I needed my money really bad my rent was due and my phone bill so I went to the XXXX went a couple weeks but before that I sent them my birth certificate my tax return my XXXX XXXX XXXX  bill and a picture of my ID. So my new ID and new social come in the mail and I immediately take a picture of the front and the back and then take a picture of the ID next to my face and send my social security card and my ID to them to verify my identity. A week goes by and they still have my money Frozen is my last paycheck the last money I had and they're still not getting back to me so I'm emailing them again and they respond asking me for a copy of a bank statement that's connected to my account.and then they give me an account number.The account number they sent and wanted a stamens from was not the account I have connected to my Robinhood. And they said they needed that because of the unauthorized transaction that I reported. I never reported it unauthorized transaction not once, they just cut my card off and my account off and wouldn't let me withdraw money. out of the blue without letting me know for no reason at all. So now I sent him a bank statement and it's been XXXX days they're not returning my calls they're ignoring my emails. They have a way to contact them by requesting your call back I requested a call back XXXX days ago and every time I try to request another one because they're not calling back it says that the XXXX from XXXX days ago is still active so they won't leave and let me request another one so they're just not calling me back and they're not responding to any of my emails my phone bill is due my landlord is threatening eviction because some of that money that was in there I was going to for my rent. My emails now at this point they're just ignoring my emails and my calls and they won't tell me why they restricted my account it's {$2000.00} in there and I have bills to pay and it's been a month in XXXX weeks they're ruining my credit. Like I said I sent my birth certificate my social security card, my XXXX XXXX XXXX  bill, my tax return, and my id, and a picture of my ID next to my face also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I opened the PNC checking account by clicking on the application link for Virtual Wallet Performance Select with {$400.00} welcome bonus. However, something messed up in PNC backend system that I ended up opening another type of checking account as Virtual Wallet with only {$100.00} welcome bonus. 

After I met all the requirements for the promotion but suddenly found that PNC gave me a different checking account from what I applied for, so I called customer service to change my account to Virtual Wallet Performance Select which is what I applied for. 
The banker on the call told me that my account has already been updated and the welcome bonus would be issued based on the updated checking account. However, I ended up receiving the bonus of {$100.00} which is still for the wrong checking account PNC issued at the beginning. 

I called PNC banker again but they was not able to do anything. They just gave excuses that the final bonus is based on the original wrong checking account PNC issued, instead of the corrected checking account type I changed later. 

This is such a cheating behavior because it was PNC who messed up the application, issued the wrong checking account type, or messed up in recognizing the application link and resource. 

My PNC Account Number : XXXX ( Virtual Wallet Performance Select ) Please review my welcome bonus requirements for the corrected checking account type ( Virtual Wallet Performance Select ). And issue me the correct welcome bonus amount of {$400.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/XXXX I sent out via certified mail to creditors that showed inquiries on my credit report that were not authorized by me. Dozens of letters and I received back the postage that they were all signed for and had been relieved by XX/XX/XXXX. I did not hear from any of them. I then sent a letter to the credit bureaus. I wanted longer than 30 days and on XX/XX/XXXX sent of via ferried mail, letter to each of the 3 credit bureaus. All 3 received by XX/XX/XXXX. I have yet to hear back and when I called today, all 3 customer service reps stated that they could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I wrote to EQUIFAX requesting to correct my personal information. I sent them : my Current Driver 's License, 3 Utility Bills, and 3 paystubs and social security card to correct my information to fix/update my name CORRECTLY, my address and employment. I also requested that XXXX XXXX AND XXXX XXXX XXXX be verified. EQUIFAX NEVER RESPONDED AND NO UPDATES HAVE BEEN MADE TO MY CREDIT REPORTS SINCE XXXX. 

As I stated that : Credit account # 1 ( XXXX XXXX or as it may have re-appeared as XXXX XXXX 1 ) you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : XXXX - This account keeps being allowed to modify their name and re-appearing on reports. 
Credit account # 2 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have reported that I sent a money amounting {$520.00} thru XXXX which most of the bank right now offer as money transfer, I already filed a claim since it was thru that money transfer it was not insured under that form of payment, They can not able to give me back the money that i sent, I tried to contact the Person whom i accidentaly sent the money he was telling me that his bank could handle it.now we were trying to reach out to the bank of that person and i think my bank already reach out to them, hopefully it work well.. 
My bank is Bank of America the transaction i dispute was sent last 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