vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: NV

Complaint narrative:
Gemini won't allow me to Deposit or Withdraw any currency without sending a Wire Transfer first. A wire transfer can not be made until my identity has been verified. 

I can not verify my identity until I make a wire transfer. 

I can not wire transfer money until my identity is verified. 

Gemini has created a paradoxical situation where a user can not be verified until a transfer is made, and a transfer can not be made until a user is verified. ( See screenshot below ; notice how the " Continue '' button is greyed out and unable to be clicked when trying to send a wire transfer ) All of my assets are frozen in Gemini 's platform due to a technical, paradoxical issue created by Gemini. 

Attempts have been made to reach out to Gemini for resolution and they have failed to investigate the issue thoroughly to completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: Account Resolution Corporation
State: MO

Complaint narrative:
Trying to remove a closed account from my credit report. Account was opened XXXX. 
The company reporting is Account Resolution Corporation. The original owner was XXXX XXXX XXXX. The amount is for {$130.00}. 
Have tried disputing this thru XXXX XXXX 5 times, but they keep stating this is a open account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
After reviewing my most recent report, I discovered some items for which I had never applied or received any correspondence. A bill sent without a signature does not suggest that the debt is legal, and anyone can claim ownership of a bill. Be warned that this is an effort to violate FDCPA 1692, which is a federal statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2019 I purchased XXXX XXXX XXXX on XXXX and paid by XXXX. 
A few months later, Citi Cards XXXX located at XXXX XXXX XXXX XXXX, SD ) requested to pay {$99.00} for the same product. 
I disputed it with their dispute email address on XXXX XXXX. 
I send my PayPal receipt attached to the email. 
But several month later, they send me billing again for the XXXX XXXX. 
With their consistent charge mailing with increasing amount with interest, I finally report it to XXXX. 
During XXXX  process, Citi Cards said they will investigate it several times with no result. 

But today they sent me another bill with increasing amount of {$100.00}. 

I checked my credit report. They report this charge as non paid on credit report of mine. 
They damaged my credit report. 

I believe XXXX  could not solve this problem. Therefore, I request Federal level intervention.

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 2021-06-18 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: TX

Complaint narrative:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was recently alerted by my employer that my personal information was leaked in a data breach. So today, XX/XX/XXXX, I applied to receive copies of my credit report via the governments " Annual Report '' website. I was able to retrieve both my XXXX and XXXX reports without issue. However, Transunion denied me access to the report online. They instructed me to call customer service to get a copy of the report, but the number is an automation which kept running in a loop. This is not the first time I've had a problem with Transunion. In XX/XX/XXXX, I attempted to get my credit reports for another purpose. I was able to get my reports from XXXX and XXXX again without issue. However, Transunion steered me to the customer service number yet again. Desperate to get the information quicker, on XX/XX/XXXX, I paid for the Transunion Score & Credit report for {$24.00}. Miraculously, I was able to access my information online. And, no ... this isn't a log in issue or failure to guess the identifying questions correctly -- if you look at the screenshot on Transunions website, I was able to log in to my account ( see top right corner which states " Logout '' ) but still not allowed to access my credit report. Transunion seems to be engaged in the deliberate scheme of holding consumer 's credit reports hostage for payment in clear violation of law. If you don't pay up, you have to get your report via postal mail which takes longer, especially to dispute. This is a very calculated scheme and they should be held accountable for 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 non-monetary relief
Consumer complaint received 2021-06-18 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: TN

Complaint narrative:
I have recently been informed that there is negative information reported in my file you maintain under my Social Security number. Upon reviewing a copy of my credit report I see the listing below has high impact to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
All in a sudden, American Express closed all my accounts on XX/XX/2021, without any clear explanation. Meanwhile, they took away more than XXXX my memership rewards, which I earned by spending hundreds of thousands money using my cards. In addition, American Express filed 1099misc to IRS reporting some rewards I got through referral as income and I even paid tax for them. 
I contacted American Express several times. It was never resolved or explained. Every time, the customer service promised they would send a letter with reasons or someone would contact me. But it never happened. I did not receive any proactive response from American Express. 
I have been using American Express 's cards for more than 3 years and I value my relationship with American Express. By submitting this complaint, I want my voice to be heard by someone who can make the call in American Express company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: MI

Complaint narrative:
This company is purposely reporting an account wrong in an attempt to hurt my credit. They are adding fees way after the fact, and lying about the date of last activity so that they can keep this account on my report longer than the statue of limitations. 

I sent a validation request to this company on XX/XX/2021. They responded that my balance is {$3900.00}. They are now reporting on my credit report {$3900.00}. they did not include all information requested in my letter. 

They are adding hidden fees along with blatantly lying 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 explanation
Consumer complaint received 2021-06-18 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This company is purposely reporting an account wrong in an attempt to hurt my credit. They are adding fees way after the fact, and lying about the date of last activity so that they can keep this account on my report longer than the statue of limitations. 

I sent a validation request to this company on XX/XX/2021. They responded that my balance is {$3900.00}. They are now reporting on my credit report {$3900.00}. they did not include all information requested in my letter. 

They are adding hidden fees along with blatantly lying 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 explanation
Consumer complaint received 2021-06-18 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: LA

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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:
XXXX, Equifax and XXXX are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: Sequium Asset Solutions, LLC
State: TN

Complaint narrative:
After reviewing my most recent report, I discovered some items for which I had never applied or received any correspondence. A bill sent without a signature does not suggest that the debt is legal, and anyone can claim ownership of a bill. Be warned that this is an effort to violate FDCPA 1692, which is a federal statute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: PARKSIDE LENDING, LLC
State: NY

Complaint narrative:
This just proves your lack of proper record keeping. Now, this item is reporting to be 30 days past due, yet it is closed and the balance is XXXX. Lets correct this or otherwise remove immediately.

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 2021-06-18 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 am very disappointed that I have to file a CFPB complaint on the consumer reporting agencies. They have blatantly ignored all of my letters. I have sent letters on XX/XX/2021, XX/XX/2021 & XX/XX/2021. I have not heard a response yet! This is ridiculous. I have sent letters in regards to the consumer reporting agencies violation my consumer rights! 
Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card, The Credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

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 2021-06-18 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: SC

Complaint narrative:
I am very disappointed that I have to file a CFPB complaint on the consumer reporting agencies. They have blatantly ignored all of my letters. I have sent letters on XX/XX/2021, XX/XX/2021 & XX/XX/2021. I have not heard a response yet! This is ridiculous. I have sent letters in regards to the consumer reporting agencies violation my consumer rights! 
Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card, The Credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: FIRST INTERSTATE BANCSYSTEM, INC.
State: MT

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I applied for a job on XXXX  app on XX/XX/XXXX, to work from home since I just had a XXXX. On XX/XX/XXXX a guy name XXXX XXXX asked if I was available for an interview, he asked me a few questions related to the job, within an hour he said I was hired an sent me the offer letter, it had the name of HR manager of XXXX XXXX XXXX XXXX, I XXXX  her and she is the manager of that company so I thought it was real. He said that I needed an XXXX, scanner, printer, XXXX  and some programs. Before starring that they will give me the checks and I will pay their vendors which I did. XXXX XXXX and cash app to XXXX XXXX. After I had the funds available I paid and then this guy XXXX blocked me, I received an email from my bank stating that the check was a forgery. I need help, the total amount is XXXX dlares the first one is for XXXX dlares ( XXXX XXXX say they cant do anything and they other one was for XXXX dlares. Please help I truelly need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: DISCOVER BANK
State: NV

Complaint narrative:
Last year I discovered a false account with Discover Bank reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but Discover Bank denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but Discover Bank refuses to stop reporting. Please investigate and help me resolve this issue. There is no way XXXX willing to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: TX

Complaint narrative:
Contract Callers, Inc. reported a {$760.00} amount collection to Credit Bureaus for City of XXXX that I have not done any business with. They have been reporting it to Credit Bureaus since XXXX XXXX and I found out later about it when my 2 XXXX XXXX cards, 1 XXXX Card were closed due to collection during COVID-19 Pandemic and later my loan requests were denied. 

I contacted Contract Callers, Inc. several times but they were not able to locate this account in their system. I provided them my Social Security Number, Phone Number, Address and whatever they asked to search the record but they were still not able to locate any record. I asked them how did they report to Credit Bureaus if they were not able to locate any records but they were not able to answer and insisted that they did not have any accounts to report under my social security, phone or address. This has caused severe financial hardship on me. 

During my last conversation with Contract Callers, Inc. on XX/XX/XXXX ; they couldn't locate any records and refused to take care of it. FOR RECORD, I DID RECORD THE ENTIRE CONVERSATION.

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 2021-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mountain Run Solutions, LLC
State: TX

Complaint narrative:
I was a victim of violent crime. I am not responsible for this account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation