vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-28 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: UT

Complaint narrative:
I'm so tired of the same old story with these people. They tell me they corrected something but then don't really do it. They send me their inadequate consumer based report which doesn't really reflect the truth and never has. I ran my report with a company that I pay to allow me to do so every month. The same addresses I've requested be removed are STILL on my report! They just lied and didn't do anything! I ran my report with the company I deal with on XX/XX/27 and the addresses have not been removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I'm so tired of the same old story with these people. They tell me they corrected something but then don't really do it. They send me their inadequate consumer based report which doesn't really reflect the truth and never has. I ran my report with a company that I pay to allow me to do so every month. The same addresses I've requested be removed are STILL on my report! They just lied and didn't do anything! I ran my report with the company I deal with on XX/XX/27 and the addresses have not been removed!

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 2021-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I'm so tired of the same old story with these people. They tell me they corrected something but then don't really do it. They send me their inadequate consumer based report which doesn't really reflect the truth and never has. I ran my report with a company that I pay to allow me to do so every month. The same addresses I've requested be removed are STILL on my report! They just lied and didn't do anything! I ran my report with the company I deal with on XX/XX/27 and the addresses have not been removed!

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 2021-02-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX 2020, I flew with XXXX  XXXX, and used my {$100.00} airline fee credit through my Bank of America premium rewards card. Before I flew, I called BofA and a phone rep told me that the {$99.00} would be refunded to me. I verified this with other phone reps and supervisors. I was told that in 2 weeks, I would be reimbursed, but never was. 

I later called a BofA supervisor and he was appalled at how BofA had handled my complaint, so he filed a complaint on my behalf but I never heard back regarding the complaint. 

Finally, after getting fed up, I filed a XXXX  complaint and on XXXX XXXX, I received an email from XXXX XXXX from Bank of Americas regularly complaints office, saying that he would handle my complaint. I never heard from him again, so I reopened the XXXX  case. I have emailed XXXX XXXX but not received a response. I have left many voicemails for him and called more than 50 times, but never heard backit goes straight to voicemail ( he never picks up the phone ). 

I believe that XXXX XXXX initially responded to me just to close the XXXX  case, then forgot about me, so I want to file a complaint against him for his poor handling of this complaint that I have spent countless hours trying to get reimbursed for.

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 2021-02-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted the disputes and have had these accounts removes but they still remain on the other bureaus after they have been found to be fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I write in response to an urgent matter pertaining to my Citibank checking account # XXXX. I reported two fraudulent transactions made last year using my old debit card and was made aware recently when I called customer service that the agent did not file the correct type of dispute, thus why I did not receive any refund to my account. The two charges are from XXXX for {$1700.00} and {$970.00} respectively. As of todays date, Ive received no credit adjustments to my account for those charges. 

Today, for no reason whatsoever after I followed up on the status of the dispute, my debit card was locked and Im unable to login to my account. I do not understand why Citibank so heavily relies on outsourced customer service agents. Citibank can afford to pay customer service agents here in the United States to assist customers. There is clearly a language barrier with many of your overseas customer service representatives in the XXXX and XXXX. 

Now I have no access to my account, its the weekend and this is how Citibank treats its customers during a pandemic of all times. Please have someone call me at XXXX as soon as possible. 

If my matter is not resolved i will file a lawsuit in small claims court and redress my damages!

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 2021-02-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: Coinbase, Inc.
State: WA

Complaint narrative:
I wired money to Coinbase, inc., about XXXX USD. 
I was asked to complete the ID verification, and that went through. 
I get a mysterious error saying that my account is restricted whenever I want to trade or withdraw the money. 

I have no access to the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
Recently, I moved from XXXX XXXX, CA to XXXX, CA, to follow my Wife for her XXXX program, and as such had to cancel my XXXX  internet service. This was early XXXX of of last year. They said I was due to be charged one final time on XX/XX/XXXX, through XXXX. I was charged successfully. It was my understanding my account was settled. 

However, a few months later I suddenly realized that there was a collection for {$120.00} on my credit report. After digging, I realized this was due to unreturned equipment. 

I had not been given any email notification, text notification, nor letter of any kind. No communication at all to inform me of my balance being due. I would have gladly paid immediately, or returned the equipment, if I had been reached out to. 

My address had changed ( as I had informed XXXX  several times due to me moving out of their service area ). XXXX knew this, and yet did not make any good faith attempts to reach out to me despite knowing that the address starting with XXXX was no longer my mailing address. I even had USPS mail forwarding setup, and never received a letter from them. There was no way for me to resolve this when I gladly would have, had I known about it. 

They moved straight to reporting a debt on my credit. I have since returned the equipment successfully to them ( documents attached below ), after talking with a XXXX agent over the phone and confirming I still could, however, there is now still a {$120.00} blemish on my report, despite my equipment being returned. I am looking to buy my first home and this is really making me struggle to qualify, as it dropped my credit score from XXXX down to XXXX. 

Please, if anyone is reading this, I need help. I want to make things right with XXXX, but I feel cheated, as I was never even offered a chance to settle things correctly, nor given notice or opportunity to pay them what they were due, in lieu of returning the internet equipment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I'm coinbase customer since 2017. A few weeks ago, coinbase asked me to verify my account again. So I did provide all necessary information and uploaded my ID card. Since then my account is restricted cause it's being reviewed for so long. 

In my account I get the message " Account under review. Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or two to check your status. '' I can not buy/sell/convert any currency and I can not send/receive funds. So my money is literally locked at coinbase now for weeks. 

I already submitted a ticket XXXX XXXX # XXXX XXXX but they aren't helping me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-28 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$10000.00}, {$13000.00}, {$13000.00}, {$4500.00}, {$6200.00}, {$14000.00}, {$8700.00}, {$3400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- PERSONAL LOAN 4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

7. XXXX XXXX I with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
On XXXX XXXX, my checking account was charged XXXX by my bank ( bank of Hawaii ) for a nondescript service encl fee. The same charge was made to my account on XXXX, and the bank would not allow me to file a dispute. I would appreciate it if you could help bring closure to this by helping me recover the lost funds. Its not fair for banks to charge customers random service fees during the height of the covid-19 pandemic.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent a Certified Dispute Letter to Transunion ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Transunion. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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 2021-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

Complaint narrative:
I had a XXXX card that is wrongfully reporting as a charge off on my credit report and have been disputing this claim for years now because the information is not correct. The card that XXXX issued me had a limit of a thousand dollars and on my credit report they are reporting that it was XXXX dollars. I had used the card to buy an appliance that was over XXXX dollars, which I took back because of a malfunction. The which I took it back to on XXXX XXXX XXXX XXXX told me that my card would show a XXXX balance on the next statement and I took their word for it, believing that they would have made the correction and they didnt so the balance that was to have been taken off went in to collection or charged off. I have been disputing this for sometime now and the credit bureaus keep saying that it was verified. The questions I have is how could incorrect information be called verified when it is not true. I spoke with someone at the dispute center that handles issues for collection for XXXX and they told me that the credit limit on the card was {$1000.00} but my credit reporting bureaus is saying that {$700.00} is verified when clearly this is not correct. So if my account was to have shown XXXX, then why is it showing as derogatory on my credit report? Clearly the credit reporting agencies is not doing their work and continues to report false information in defiance of the fair credit reporting act.

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 2021-02-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I sent a Certified Dispute Letter to Equifax ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Equifax. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: Self Financial Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I sent a Certified Dispute Letter to Transunion ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Transunion. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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