vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
On XXXX XXXX I did a wire transfer of {$18000.00} from XXXX XXXX  to Gemini, but I realized that was a scam/fraud in XX/XX/2021, and submitted a recall on my bank right the way, my bank also tried multiple times to recall the money back from Gemini, but they never responded. It's been almost one month now, still no responses from Gemini. If they can response right the way when I reported on XX/XX/2021, it should be an easy return, But they never do anything until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
On XX/XX/XXXX, I deposited a Cashiers Check in the amount of {$25000.00}. The bank made {$5000.00} available but put a hold for the remaining {$19000.00}. The hold is until XX/XX/XXXX. However, I called the issuing bank and they stated that the funds cleared on XX/XX/XXXX. This means that Bank of America has my money but will not release it to me. This is unethical. They are making money off my deposit while I am in debt and have zero financial resources. This is an abuse of their power and excessive to say the least.

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 2021-08-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Giving a complaint to credit card companies that dont charge me too much interested fees and too much money for a XXXX XXXX  and not listening to them when when they explaining that they understand the rules about charges and credit cards and paying lots of money and store credit cards and Walmart credit cards store credit cards in charging me lots of money and Walmart credit card Im not listening to me that I have XXXX XXXX XXXX XXXXAnd getting my money back I have {$700.00} or {$800.00} back for a complaint I want my money back to me by Chack by mail XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BOEING EMPLOYEES' CREDIT UNION
State: NC

Complaint narrative:
I opened a BECU account under the refer a friend program. I never received the bonus. It has been the full amount of time to wait and still have not received. I called in several times saying wait few more weeks and I did but the bonus was never put in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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:
I filed bankruptcy and all debts owed were included and discharged in 2019. I communicated this with the debt collection company ( XXXX XXXX XXXX XXXX ) and they stated it was was not. In the event that this is true, I did not obtain, apply or consent to this loan ( XXXX XXXX ) and therefore it was obtained as a result of fraud and should be deleted immediately.

I also contacted all three credit reporting agencies and disputed these directly ; no action was taken. This despite me providing bankruptcy information which was discharged in 2019 ; and the debt collection being reported 18 months later after the original debt was successfully discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: TX

Complaint narrative:
I filed bankruptcy and all debts owed were included and discharged in 2019. I communicated this with the debt collection company ( XXXX XXXX XXXX XXXX ) and they stated it was was not. In the event that this is true, I did not obtain, apply or consent to this loan ( XXXX XXXX ) and therefore it was obtained as a result of fraud and should be deleted immediately.

I also contacted all three credit reporting agencies and disputed these directly ; no action was taken. This despite me providing bankruptcy information which was discharged in 2019 ; and the debt collection being reported 18 months later after the original debt was successfully discharged.

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 2021-08-26 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: ADP Inc.
State: MD

Complaint narrative:
Wisely by Adp Prepaid a Services who was formerly Global Cash Card, blocked my deposited 2021 Tax Refund, and I'm not able to access my funds. They communicated to me I must tell them a Security Phrase, that I never set up with them for the account, or upload my Social Security Card and Identification Card Documents to them through a link they texted to me, in order to access my funds from my account. I communicated to them, that I'm not comfortable sharing that type of information, due to it's sensitive, and they stated they can't release my funds until I do so. Please assist me in coming to a immediate resolution. A copy of the link they texted me, so that I can upload my Social Security Card and Identification is attached below. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion credit reporting agency has Payment deferred in the coments of my credit report for my XXXX  mortgage. I have provided a letter from XXXX bank so that the remark can be removed. I am current and no enrolled in any deferment program

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 2021-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I filed a claim involving months XX/XX/XXXX-XX/XX/XXXX mid XXXX XXXX with Wells Fargo due to my checking 's account XXXX and in the middle of a disputes on various transactions. Wells Fargo closes my account. I have not been credited for those transactions I don't know if they closed my account in their interest so they don't have to deal with it, but they were not suppose to have closed my checking 's account. Total amounts of those transactions/claims are/is {$820.00}, current amount I owe them, which I shouldn't owe them nothing, I filed a claim for the total of my stimulus check for XX/XX/2021 total {$1400.00}, two of XXXX XXXX transactions one {$94.00}, {$89.00}, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX . I mailed that information to XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX claims, Wells Fargo Executive Office XXXX XXXX XXXX XXXX XXXX SD XXXX and Wells Fargo Overdraft Collection and Recovery XXXX XXXX XXXX XXXX OR 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 2021-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Recently my identity was stolen and I reported a fraudulent account under the name XXXX XXXX who are the collection agents for XXXX XXXX who claim I do not have a loan with them on my credit report with Trans Union. Police report is XXXX. It has been over 30 days and I still have not received a response. Every time I call for for years my account is always held with the fraud team so I can not get access to my report and I am put on hold for 2-3 hours every time. This includes when I call in because their system can never keep my login credentials correct and I am forced to reset every time I log in. Now I am being forced to pay for services I have been receiving for free for decades. I am sick of 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 2021-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: IN

Complaint narrative:
XXXX calls at least 10 times a day. We our a place of business and there trying to contact an individual that is not known at our business. I called and asked to have number removed and to please stop calling yet they still continue to call

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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 was scammed / a victim of identity theft and now I have a bad hard inquiry on my credit of {$2300.00} & I need it disputed because that wasnt me!

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 2021-08-26 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Recently my identity was stolen and I reported a fraudulent account under the name XXXX XXXXXXXX who are the collection agents for XXXX XXXX who claim I do not have a loan with them on my credit report with XXXX XXXX. Police report is XXXX. It has been over 30 days and I still have not received a response. Every time I call for for years my account is always held with the fraud team so I can not get access to my report and I am put on hold for 2-3 hours every time. This includes when I call in because their system can never keep my login credentials correct and I am forced to reset every time I log in. Now I am being forced to pay for services I have been receiving for free for decades. I am sick of 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 2021-08-26 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: Paypal Holdings, Inc
State: IN

Complaint narrative:
On XX/XX/XXXX, XXXX charged by PayPal account {$72.00} for a membership. I have never had a paid membership with XXXX and I have no idea how they ever received my Paypal information. I contacted Paypal to dispute the charge. However, Paypal said the charge was valid and if I wanted to dispute it, send a letter to their XXXX, NE dispute /unauthorized access appeal address in which I have written them twice with the last XXXX being on XX/XX/XXXX and still have received no response. To date, they have failed to produce the documentation to substantiate the validity of the charge from XXXX which was fraudulently obtained or tell me how XXXX obtained my Paypal account information, again fraudulently. 
XXXX  has finally sent me an email that they will cancel my membership on XX/XX/XXXX but they are not refunding my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
As a result of trying to apply for a vehicle loan with XXXX XXXX XXXX  in Massachusetts, they ran my credit with multiple lenders without my approval as a way to get the sale by offering me a better rate than what they may have received from the accepted lender which was XXXX  XXXX. 
It show my credit was ran by XXXX comany XXXX times in XXXX day under XXXX minutes on all bureaus. 
These are inquiries : XXXX XXXX XXXX XXXX -- -- XXXX XXXX XXXX -- -- -- -XXXX XXXX XXXX XXXX -- -- -- Toyota Motor credit co XXXX -- XXXX -- -- -- XXXX XXXX XXXX XXXX -- -XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below  is the list of the erroneous account reporting on my credit report : XXXX {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: KS

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged Bankruptcy Account Case Number : XXXX. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged Bankruptcy Account. I have even requested documents to be provided to prove that the payments were indeed in the Bankruptcy Account. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: TX

Complaint narrative:
The Bureau is reporting inaccurate information on my credit report and hasn't responded back to me concerning a letter I mailed on XX/XX/2021.

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 2021-08-26 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: TX

Complaint narrative:
The Bureau is reporting inaccurate information on my credit report and hasn't responded back to me concerning a letter I mailed on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: MS

Complaint narrative:
I've sent disputes to Experian, XXXX and XXXX. Their not holding up to the law with the 30day demand to comply. I sent in disputes neither is responding to me, and getting back with me with my results of their investigation.

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 2021-08-26 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: MI

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2021-08-26 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: MI

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I requested a copy of the billing statement for the XXXX activity for my account which included payments made to the mortgage as well as the payoff for the refinance of this mortgage to XXXX. I was told that they do not produce a statement for the cycle with which the loan is paid in full. I am not sure that is correct because there is still activity in that period and I wanted to validate that there wasn't a credit refund due on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: FL

Complaint narrative:
On XXXX of XX/XX/XXXX I opened an account with XXXX XXXX XXXX, I was making my payments up until I came across finacial instability due to The COVID-19 Pandemic. I learned that under The CARES Act my rights were being violated in which no negative remarks should of been reported. Furthermore, I learned that The HEROES Act reinforces this and even more adds restrictions on reporting and debt collecting. I have already paid this account off but upon learning about The HEROES Act I realized it was a violation of my rights to be reported negatively and collected on during The COVID-19 pandemic. Now, that i have payed off this account I am still seeing that late payments are being reported and this is a violation of my rights under The HEROES Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX ofXX/XX/XXXX I opened an account with XXXX XXXX XXXX, I was making my payments up until I came across finacial instability due to The COVID-19 Pandemic. I learned that under The CARES Act my rights were being violated in which no negative remarks should of been reported. Furthermore, I learned that The HEROES Act reinforces this and even more adds restrictions on reporting and debt collecting. I have already paid this account off but upon learning about The HEROES Act I realized it was a violation of my rights to be reported negatively and collected on during The COVID-19 pandemic. Now, that i have payed off this account I am still seeing that late payments are being reported and this is a violation of my rights under The HEROES 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 2021-08-26 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: Idaho Housing And Finance Association
State: ID

Complaint narrative:
Idaho Housing ( mortgage lender ) continues to show payment history for 1st and 2nd mortgages made after Chapter XXXX bankruptcy on XXXX  credit report. Additionally, lender has failed to report that the 1st and 2nd mortgage were included in the bankruptcy on my XXXX  credit report. Also, the 1st mortgage shows up as being closed and the 2nd mortgage as being open. Due to the bankruptcy laws, the mortgage company is not permitted to report anything on the account, including payments, balance or missed payments AFTER the bankruptcy has been discharged ( XX/XX/2016 ).

Company response to consumer: Closed with explanation