vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
My wife and I have been fighting {$9800.00} of fraudulent bank transfers from our XXXX XXXX Credit card which is backed by Bank of America for over a month now. It happened on XX/XX/XXXX and we caught the transfers 6 days later. That card had a {$0.00} balance on it for over 4 months and we only check it once in awhile to make sure there aren't any charges on it. The person who got into our account changed our spending alerts to a temporary email so we never received any alerts. There were 2 balance transfers, one to a XXXX XXXX XXXX for {$2000.00} and one to a XXXX for {$7000.00}. My wife and I do not own a XXXX card nor did we have an account set up with a XXXX XXXX XXXX that we have never heard of. After having the claim re-opened 3 times and no success we decided to make an appt with B of A with a relationship banker, she sent in our credit file that we pulled from XXXX showing that we did not have any open XXXX cards along with our police report. A few days later we get a letter stating that once again, claim is denied. B of A told us to get proof showing that we do not have accounts with XXXX and XXXX XXXX Bank, both of which we have called and were told that we need to have B of A claim a fraud alert before they would release any proof. I have just submitted a complaint to CFPB and later will be contacting a lawyer. PLEASE, stay away from B of A credit cards!

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 2021-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  and TransUnion are reporting 22 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 ( # of dispute sent ) dispute letters to XXXX  and TransUnion since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

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 2021-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX has open up credit accounts in my name without my permission. I never was asked about the cards that are on my credit that is in collections. I personally didnt sign for any of the cards or paperwork. She has put me in debt and I owe money to this collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
The alleged action issue of account administration regarding XXXX XXXX XXXXXXXX left in estate will forbides listed. Rewritten documents altering the originator 's name ( XXXX XXXX XXXX XXXX changed to XXXX of initial line of instruction, i.e fraud of will ) The first bold faced writing of the entire instruction stating verbatim. " IN TRUST, NEVERTHELESS, to invest or reinvest the same. '' Accusations in accounts of trustee XXXX XXXX XXXX inquires improper investment of funds into XXXX XXXX XXXX. Withdrawing of co-founded B of A ( Bank of America ) account and third time of administrating and title name change. The stated account ended up in a name unother and unaurthorized of me and depleted. This unadvised rule allowed CPA XXXX to remove the title, Beneficiary of Trust, from the account funding investment with XXXX XXXX XXXX. Mishandling of the 35 year old account led to me not once having a say of its use though requested by my grandfather, 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 explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
i wired money from XXXX to XXXX  via citi but citibank froze my funds and didnt notify anyone. They asked for more information without explaining me my rights to privacy or what they will do with this information. I felt hopeless and inadequate. I then called Citibank ( it took 2.5 hours to get a representative on the line ) I called their wire department at XXXX i waited about 1.5 hours and then the XXXX  representative said I have to speak with an American representative for this information. She transferred me another hour wait. and then I was able to speak with XXXX Employee ID XXXX who only told me she needs to review the XXXX. 

She then came back on the line and then told me Citibank returned the money to XXXX  based on their request. THis is not correct. But anyways I still dont see my money in was not delivered not given back and my civil rights have been violated in every way because of their corrupted software. XXXX had the information, but Citibank erred many times. Their practices are against the Law. I can not think this is legal the way they treated me If it is then Its evident that I and all XXXX 's have to ride on the back of the bus as in 1950 segregation.

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 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have a changed off from 7 years ago that is not removed from my equifax credit report. This charge off is over 7 years old and should be removed and has been from all other agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Dear Sir/Mdm, I set up a crypto currency digital wallet with Coinbase on XX/XX/2021. 
Bought some crypto coins and transfer into the wallet. 
On XX/XX/2021, i realised that most of the coins were missing from the wallet and i tried to log out and log in again using the 12 words recovery seed. The coins remains missing and the original wallet also went missing and was changed to another public address. 
I contacted Coinbase since then, they are unable to resolve this issue or recover my coins. 
I believe that there is a Coinbase system glitch that results in my missing wallet and ask for compensation in terms of number of coins that were in my wallet before they went missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  and TransUnion are reporting 4 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 1st dispute letters to XXXX  and TransUnion sinceXX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

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 2021-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I started the process for my loan modification in XXXX because I couldn't pay for a couple months due to my work shutting down when COVID started. I have been paying on time since last XXXX. Wells Fargo has lied about sending paperwork and put wrong names on my paperwork 3 times now. I have gone all the way to the executive office and they still sent me the wrong paperwork after one employee told me she read it and it was correct. They are holding up my refinance with another bank because I can not stand working with Wells Fargo any more. The employees are absolutely awful and I just need this paperwork closed so I can move on from then.

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 2021-05-19 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: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
on XX/XX/XXXX I sent a dispute letter to chexsystems advising them that they were in violation of the FCRA and FDPCA. they responded back to me that the information was verified and accurate which impossible, I then wrote ( dispute letter XXXX back to them again XX/XX/XXXX stating the same fact and they still replied with the above response. 
Fact, Fair Credit Reporting Act is federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in XXXX to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies. 
Fact, proof as seen in attachment labeled EXHIBIT A. That ChexSystems is in violation of 15 USC 1681b ( a ) ( 2 ). Permissible purpose. I never provided ChexSystems with written consent to report anything on my consumer report/file. When there is no consent that is identity theft. 
Fact, proof per attachment labeled Exhibit A, that ChexSystems is in violation of 15 usc 1681a ( 2 ) ( i ), as myself the original creditor defined by congress only, I can validate a debt and I do not validate this debt.

Fact, proof in attachment labeled Exhibit A, that ChexSystems is in violation of 15 usc 1681a ( 2 ) ( b ) which the law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. ChexSystems stated they verified this item, but that makes no sense as I am the original creditor in which I am unable to extend credit to myself.

Fact, the FCRA states that civil liability for willful noncompliance, per 15 usc 1681n ( a ) ( 2 ) ( i ). Well XXXX  violated the federally protected consumer rights. That is the amount of {$3000.00} that I am due

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 2021-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
The monthly statements have no information about the interest or interest rate you are paying each month and only show the amount you owe. I have looked extensively for the interest rate I am paying on their website as well and it can not find. Also the amount of interest paid each month is buried in the account history tab but no rate can be found. I tried to make an additional payment online and because I am set up on auto pay this is possible. I cancelled the autopay too try to resolve and still can not make an additional payment. When you request a payoff if give you the option to send by mail so maybe that is why you can not make a single additional payment from their site. You should be able to make a payment online as this is more mainstream plus there are mail deliver concerns. Requiring the mailing of a payment I feel is prohibited and seems like a way to keep you from paying off the loan so they can make more interest.

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 2021-05-19 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: Great American Finance Co
State: GA

Complaint narrative:
In XX/XX/XXXX I sent 2 request one certified and 1 email requested verification of an account, I also sent documentation of the request to all major credit reporting agency. After 45 days and no response from creditor, but getting notified by credit agency that my dispute was complete and verified as accurate, I filed a complaint with you CFPB the complaint was against the creditor reporting the debt and the creditors all 3 majors. I received response that the company was still working on my concern/complaint that was on XX/XX/XXXX, after speaking with someone at CFPB I was advised that my complaint would be sent over to the FTC for further action. I have submitted over 4 additional disputes in addition to the disputes submitted before I file the complaint, I have still not heard back for the creditor but all the creditor reports have been updated except for XXXX. The creditor held this account for almost 5 months and would not speak with me, the joint applicant filed bankruptcy but we were legally no longer together but I discovered the account was in bankruptcy via my credit report the refuse the balance that was on the account at the time of joint applicants bankruptcy but demanded the added additional fees, change the account type, dates and status several times. removed the joint applicant from the account and made it individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My AARP/Chase Visa card needs to have plain English info about who each payment was made to as well as contact information for each charge. My monthly statement had a charge that had cryptic text for the company I paid with no contact information. Chase had no idea who they were or how to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GreenSky, LLC
State: PA

Complaint narrative:
XXXX XXXX ( aka XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX was solicited to install a window wall unit with ( XXXX ) sliding glass doors at my home. During the initial visit, part of the " sales pitch '' was offering 24-months, 0 % financing through GreenSky/XXXX XXXX XXXX. We accepted the XXXX XXXX proposal and decided to move forward with the project. Immediately following the install, we discovered that the wall unit was leaking water from the outside into the living space on the inside. In addition, the wall unit was beginning to break apart XXXX door handles were falling off and the doors were coming off track regularly XXXX. We contacted the installer ( XXXX XXXX ) and reported the issue. We were unsuccessful at getting them to make a repair call until we reached out to the lending institution, GreenSky. Upon multiple attempts to work out a repair plan with both the installer and the lender, we've been unable to get the leaking issue resolved. In fact, the situation continues to worsen and collateral damage is now resulting due to the length of time that the leaking has been going on. A " transcript '' of our communication with GreenSky containing photos has been attached to this dispute. Since GreenSky paid the installer XXXX XXXX XXXX XXXX in full upon XXXX XXXX  request with no communication with us the lendee before making said payment, we now have no " leverage '' to get this resolved other than threatening to not pay on the loan. GreenSky has now reported us to the credit bureau and is attempting to ruin our credit in an effort to " strong arm '' us into paying. We've chosen this path not in an effort to avoid paying, but rather as a way to try and " force the issue '' so that we can get this leaking resolved. In addition, on the back of each GreenSky monthly statement are Dissatisfied Rights outlining our right to not pay if we are unsatisfied with the purchase given that we follow the steps that they have outlined. We have followed this process for over a year with no end in sight. It is our opinion that XXXX XXXX  and GreenSky are mutually beneficial of each other, therefore, neither of them has a want to resolve the issue. Since XXXX XXXX  " sells '' GreenSky as a way to finance a project, why would GreenSky do anything negative that may impact that relationship? GreenSky has now taken to calling us several times a day trying to collect on this debt rather than working with XXXX XXXX to resolve the problem. In fact, my last conversation with GreenSky ended by their representative stating they'll just continue to call until I give in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
Gemini Trust Co. has been freezing my account and other customers as well with no explanation, essentially seizing my funds. They give no explanation as to why they do this. 

The freezing never occurs when depositing fiat money into Gemini, they seem to never have a problem accepting your money. it occurs the moment you attempt to buy, transfer or sell anything after the money has been deposited into Gemini. 

You do not have an option to withdraw your currency in any capacity once they freeze your account. 

There has been no fraudulent activity nor have I done anything outside of Gemini 's term or conditions to merit this. 

I have everything documented which clearly shows they have a pattern of behavior which warrants a closer look. 

I am not accusing Gemini of being a fraudulent company but they will need to seriously address this problem which is not limited to just me but many others. 

There have very little, to no customer support. You submit a ticket via their support page and hope to get an automated message or an answer days, weeks sometimes even months from what I've seen other complaints show. 

The first time they froze my account was on XX/XX/2021 for 4 days which I have the entire paper trail for, as much as I asked for one, I was not given an explanation. XX/XX/XXXX They unfroze my account and basically said " you can use the account again ''. That was it. No apologies, nothing assuring me that this wouldn't happen again. 

It happened again today. XX/XX/2021. 

I gave them a second chance because I thought Gemini was a legitimate company. I'm not sure what to think now. I really did not want to have to take it this far but no company should have the ability to sieze your money with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received a alert on yesterday XXXX from XXXX XXXX that a hard inquiry had been placed on my report. Mind you I went no where and signed nothing to have my credit pulled on yesterday. This is fraud and I want it removed from all major credit reports XXXX, XXXX, and XXXX  should not show anything being posted to my credit report for XX/XX/2021. I want to file charges on whomever was allowed to do use my credit as it took me a long time to rebuild my credit and I will not allowing anyone to get away with this. This is a serious matter and I want it to be taken as a serious matter or I will contact a lawyer and sue. I am really XXXX about this the fact that someone can use your credit without your permission or consent is totally unacceptable. This is not a game this is my credit that I take seriously since it has taken me almost Five years to rebuild and for someone to be playing these types of games I want to prosecute them to the fullest extent of the law. I don't want any excuses only answer and ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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:
I've recently became aware of this negative account on my report. I would like for them all to come because they are fraudulent.

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 2021-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: GA

Complaint narrative:
I have tried Communication with Discover Card, And The Credit Reporting Agencies Such As XXXX  XXXX Who Authorized The release of my credit report And profile without my permission. I have had A security freeze And credit monitoring on my accounts for 6 years. Someone stole my information from my old Address I have filled over 7 disputes against the company And the collection company And I have tried to report that to them to close Any Accounts that are not mine ASAP.

Company response to consumer: Closed with explanation