vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
For XXXX XXXX Citibank has waged a war against me trying to do some coercive information phising. Two accounts already closed, now the third under attack and seized after they promised me they wouldn't. 

In XXXX of 2017 they abruptly closed my credit card account of 37 years without warning, without explanation, without cause. This resulted in several complaints through the Consumer Finance Protection Bureau. Among the ongoing problems were an overpaid of nearly {$500.00} I had made and Citibank insisted they would not refund it. After months of refusing to tell me anything about closing it but continuing to insist on information phishing on nonCitibank accounts they suddenly made a false accusation of me doing " Fraudulent '' contesting of charges even though I had not contested a charge. ( Explain that one. ) Whether it was XXXX XXXX  who secured the refund or what I don't know, they did eventually issue the refund. But continued to harass me over the closed credit card account. This includes harassing phone calls and letters. 

Then they attacked a checking account attached to the account I am currently troubled over. Again it was about information phishing. Resulting in my closing the account. I asked specifically if I needed to close this remaining account because it's not safe from them, but they promised they'd cause no further trouble. I foolishly left the account open, because it's a bother to switch banks. 

Now they have blocked my access to this last account and stolen my money, using blackmail for their coercive information phishing as their excuse. 

Citibank wasn't always such a crooked company. I had my student loans through them, leading to my credit card. When they opened the XXXX branch I went there. Now they have chosen to be a criminal organization and I will need to shake their dust from my feet.

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 2021-05-28 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: MO

Complaint narrative:
The following accounts are not mines these unauthorized accounts are fraudulent and even in ligation so therefore I'm demanding that these accounts are removed immediately from my credit files. 

1. XXXX XXXX XXXX {$240.00} 2. Account XXXX XXXX {$180.00} 3. XXXX XXXX {$570.00} 4. XXXX XXXX {$170.00} 5. MXXXX XXXX {$810.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: MO

Complaint narrative:
The following accounts are not mines these unauthorized accounts are fraudulent and even in ligation so therefore I'm demanding that these accounts are removed immediately from my credit files. 

1. XXXX XXXX XXXX {$240.00} 2. XXXX XXXX XXXX {$180.00} 3. XXXX XXXX {$570.00} 4. XXXX XXXX {$170.00} 5. XXXX XXXX {$810.00}

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 2021-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have two documents in hand from the IRS, stating that I have money in my Wells Fargo checking account. Starting XXXX XXXXpresent. Wells Fargo is billing me {$35.00} for each overdraft fee, and/or NSF fees. Staring XX/XX/XXXX, XXXX I have been billed a total of 36 overdraft fees leaving my checking account overdrawn {$1200.00}. On-top of that instead of Wells Fargo crediting my checking account from the last stimulus check being {$1400.00}, they decide to bill me on a case XXXX a total of {$1500.00}. I spoke with Executive Office Case Specialist XXXX XXXX in XXXX, XXXX and we concluded that they credited my account due to past errors, and then my account was perfect. 
Where does overdraft protection play a role in this type of banking error? Why do they even offer it?

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 2021-05-28 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: ERC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ERC Date : XX/XX/2021 XXXX : Social Security Number : XXXX To Whom It May Concern, This letter is regarding account ERC, which you claim This is my account which was placed in collection off {$4600.00} ). This is formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence and bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX  and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that you could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$2000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623- b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organization below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
On XX/XX/2021, three employees from an out of state XXXX accessed my customer account and did a XXXX swap. With access to my phone number they did a CoinBase password recovery and accessed my CoinBase account. I disabled my account per CoinBases 's instructions within 30 minutes of my account breech. I worked with my local XXXX to secure my phone, worked with my local police in regards to the 3 employees who accessed my XXXX account. I informed CoinBase I needed access to my account. I have an open police report and an open investigation with XXXX Coinbase is unwilling to communicate with me, and unwilling to help me access my account. I have no idea what or how much was taken. I need a transaction history. This is going on 2 months. I filed a formal complaint through CoinBase, only for them to close the case with no help or resolution. My next step is legal litigation. 

CoinBase Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I had a collection reported to all three credit bureaus for a {$160.00} debt that was over 4 years old. I sent three letters to the collector seeking validation of the debt. The collector refused to answer any of the questions or provide validation information. I then sent dispute letters to all three credit bureaus asking for the collection to be deleted because the creditor would not answer any questions or validate the debt. XXXX and XXXX investigated and deleted the information, however, Equifax responded by " updating '' the report. However, the update did not provide any new or verification information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: NY

Complaint narrative:
To whom it may concern i have 3 hard inquries from sync which are inaccurate and was resolved a while back as i never made these inquiry 's and this was all fraud the following dates are XXXX  Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX and 1 from XXXX XXXX from XX/XX/XXXX. All of these inquires were never made by me. This is all fraud. I have called these companies a few times to try to resolve this problem. To my understanding of fair credit reporting act and from what they said this should all have been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: NY

Complaint narrative:
To whom it may concern i have 3 hard inquries from XXXX which are inaccurate and was resolved a while back as i never made these inquiry 's and this was all fraud the following dates are XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX and 1 from XXXX XXXX from XX/XX/XXXX. All of these inquires were never made by me. This is all fraud. I have called these companies a few times to try to resolve this problem. To my understanding of fair credit reporting act and from what they said this should all have been resolved.

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 2021-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: WI

Complaint narrative:
I got a loan for XXXX. I made the first payment. Its a high interest loan. They told me its XXXX dollars a day on the balance i paid three days early. They told me my whole payment went to the interested no money went to the principal i still own XXXX. Its impossible at XXXX dollars a day the interest amount for the month is max is XXXX dollars. I ask why its reported my interest is 9 % and my contract states it 28 % when the max on an auto loan is 23 % they hung up because they couldn't explain nothing to me about my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
Calling family members that were not on the account and constant phone calls to my number harrassing all hours of the day leaving voicemail on relatives phones that they must have searched for them and their numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
PayPal put my funds on hold for a period of 180 days total of XXXX XXXXPayPal stated funds will be released to me on XX/XX/2021. I understood and acknowledged it. Was fine with waiting but in no way did PayPal say they were going to steal my money, on XXXX XXXX PayPal took all my money and is refusing to give it back. I worked very hard to make the little I have and is extremely unfair a large corporation like PayPal just takes customers money and does nothing to fix the issue. Contacted PayPal numerous times and they refused to let me speak to a higher up management, nothing has been done, they dont care. I am extremely unhappy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: MO

Complaint narrative:
My identity has been seriously compromised and left me with fraudulent accounts on my credit files in which is now in ligation. I'm demanding that these accounts be removed from my credit files. 

1 ) XXXX {$2800.00} 2 ) XXXX XXXX {$1700.00} 3 ) XXXX {$620.00} 4 ) 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 2021-05-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XXXX is missing from our payments. We have asked for the statements and they refuse to give them to us. We have ALLLLLLL the proof you need. We have sent certified letters, emails, and a dozen of phone calls. They will not respond. 14 years of statements all of a sudden come up missing. They stole XXXX from our payments over 14 years. 

Their attorney a month ago said he would send the missing statements. They never sent anything. I emailed them 9 times and no response. If I try to call them it just goes to voicemail. I have left about 10 messages so far and no return call. It is pathetic. They need to be closed the f down or be in jail. I will send all the proof you need from bank accounts, emails, and phone records. We are sick of them and their greed. 
I want the deed to our home or the right to sue them. 

We are beyond XXXX off. They illegally charged us XXXX dollars to make payments when it was XXXX. They refuse to respond to us. 

We have paid in advance over XXXX. We are not behind but I did not know what to check on the complaint. We need help with them stealing from us. I promise you they are thieves. I want the deed asap or I am going to sue the sh -- of them. Thou shall not steal!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: CITIBANK, N.A.
State: CO

Complaint narrative:
Someone stole my social security number, name and address and got a credit card from {$8000.00} credit limit with The Home Depot Store, I received today 05/27 a credit card statement with a balance of {$4300.00} and a minimum payment of {$44.00}. I called the Home Depot Store and supposedly they closed the account and sent a report to their Fraud Department, they should be investigating and getting back to me. I want this resolve and account eliminated from my credit report and any negative report to be deleted too.

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 2021-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXXt made a false collections claim on my TransUnion credit report for a {$2000.00} debt owed to XXXX XXXX XXXX XXXX from 2014. I have never held accounts with this bank and have no outstanding debt. I gave read multiple reports about XXXX XXXX XXXX XXXX being a fraudulent company. TransUnion should not allow false information to negatively affect their credit reports, this costs time and money for citizens.

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 2021-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Complaint filed against : Equifax Information Services LLC Unauthorized hard inquiry : XXXX XXXX XXXX 1. On XX/XX/2021, I gave such creditor, XXXX XXXX XXXX, the authorization to run a soft pull on my Equifax credit file. This was shown on my credit file as a hard inquiry and as a result I disputed this with Equifax over the phone. The representative told me to urge XXXX XXXX XXXX to furnish me proof that this was indeed supposed to be a soft inquiry. I was able to get such documentation from XXXX XXXX XXXX, and I sent such documentation to Equifax on XXXX XXXX and Equifax confirmed receipt of such documentation on XXXX XXXX. 
2. On XX/XX/2021, Equifax responded to such dispute via mail notifying me that such hard inquiry will stay on my credit file. Equifax has not provided me with any additional documentation proving that they conducted an investigation into this matter. They have not contacted XXXX XXXX XXXX, nor have they taken the documentation I sent them into consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is not correcting and updating my payment history from my Social Security Office account. It shows in collaboration and Ive made payments for the past 6 months to that account. Ive called every month for the past 3 months to Experian to correct issues. They have done nothing.

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 2021-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion keeps stating that I have accurate which is not so I can't get it off my credit file then why all 3 credit bureaus have a different balance, last activity, original balance, last payment stated so how it can be verified. Why am I bother disputing if they come back with the same result by saying verified? it's the second time, I filed a complaint against Transunion, they keep all non-account inquiries, employment info, and derogatory accounts that I currently don't own anything at all so how do they verify, and how they assume it was mine? can they prove it was mine I keep disputing for more than a year by now? so It seems never resolved. I am trying to get a house this year It seems like they are keeping me away from purchase a new home this year I do have a lot of positive accounts so what are they keep me from becoming excellent. Nobody deserves to be stuck. You can see that I am trying to get that inaccurate information off my credit file. Creditors can lie to bureaus or keep inaccurate so how it can be verified? if an account is sold then it shouldn't be reused or stay on my credit file since both accounts is {$0.00} and you can see the balance is different and dates as other credit bureaus stated.

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