vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-18 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: NY

Complaint narrative:
On XX/XX/2021 my husband went to Citibank and informed that I mistakenly clicked on the link that came to me, indicating that it is from Citibank. banker told my husband it is ok no need to worry if we did not give the account number and no need to do anything at this time. next morning ( XX/XX/2021 ) i just checked the account and saw three fraudulent wire transfers, I went to bank right away and informed the same banker about the issue, then she stated that " we have to open this kind of fraud cases every day so many people are coming with same issue. '' the hacker took {$15000.00}. I don't have that kind of money in my account he transferred {$500.00} from my checking plus to checking account and deposited fake check. and eventually that fake check got bounced. 
I was in the bank that day for almost XXXX hrs and completed all the necessary paperwork. my husband came from work that afternoon and asked why she did not mention about so many fraud cases that they have to open everyday, the day before and why she did not suggest to freeze the account, she has no answer for that. while opening the case I asked them when there is negative XXXX XXXX dollars in the account why they processed the third wire transfer, they have no answer. I opened 3 fraud cases for the wire transfers with Citibank fraud department and another case for the money transfer from checking plus to checking. For minimum courtesy not even once, No one called me from Citibank and also even before resolving the case they keep sending me the bills to pay them back the checking plus money and also they report to my credit bureau. whenever I call them, they keep telling me it is under investigation they can't give out any information. And in XXXX when I called they said they closed the case did not send any information and did not call me, after that call they send me letter stating that they denied the case, I appealed it again. 
we are working hard middle class people, please help us to get our money back. I also reported to 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 2022-05-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX Account number XXXX had violated my rights. 

15 USC1681 Section 602 states I have the right to privacy.

15USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-18 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: World Omni Financial Corp.
State: FL

Complaint narrative:
I have 4 different accounts that I already paid in full in order to be removed from my credit report and the account still shows in my credit report as a XXXX balance. I need those accounts removed from my credit report. now I am trying to buy a house and these accounts that are paid still show as a negative item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Since XXXX XXXX I have been having problems with my coinbase account and throughout the correspondence, it has been a really daunting experience since as of XX/XX/XXXX, I am speaking to people in another country who have English barriers and unprofessional. I opened my account up in XXXX with XXXX. In XXXX, I opened up another account with XXXX and I saw while in that account that there was {$100.00} invested but I couldn't do anything with it as it just sat there as a reference to my XXXX account while again, I was using my XXXX account. Since I have corresponded with the company to no avail. I get the feeling that it is a game to them playing with other peoples money and saying things one day and refuting them the next day to tire you out so that you may lose interest in your portfolios. The phone number on my account is : XXXX, as the XXXX is supposed to reveal my information that I uploaded : my identification card, my banking information, and all relevant correspondence their cyber security is not appropriate, as anyone in the news since can steal anytime out of your portfolios and Coinbase says that they are not responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Transworld Systems is furnishing a charge-off account on my consumer report. This is in violation of 15 USC 1692d ( 4 ). You are willingly and knowingly trying to coerce me into making a payment. You are engaging in unlawful extortionate activities that I do not appreciate.

Has Transworld Systems filed a 1099c on behalf of this account?

I am requesting you provide copy of the trilateral contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: Paypal Holdings, Inc

Complaint narrative:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business XXXX XXXX  that sells XXXX since XX/XX/2021. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I XXXX XXXX, recently reviewed my consumer report and noticed inquiries which I did not consent to, authorize, nor benefit from being reported on my Transunion consumer report. I submitted an identity theft report to the FTC on XX/XX/2022 and have mailed the FTC report to Transunion, instructing them to block and remove these inquiries from my consumer report, which they received on XX/XX/2022. On XX/XX/XXXX and XXXX 2022, I called Transunion asking them to remove the inquiries since they have received the FTC report and I was told they had not received it on both calls. I gave them more time to register the report into their system and remove the fraudulent inquiries being reported, but they only removed one inquiry, which does not result in a solution. I demand that they block and remove the remaining inquiries on my 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 non-monetary relief
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Filed a dispute with XXXX on XX/XX/22 as I do not know anything of this collection. Per XXXX it is verified ... .in three days??? 

Phoned into company calling phone number listed on my credit profile, per conversation recorded at XXXX on XX/XX/22 they are unable to access my account to send me debt verification proof but they verified the debt that I disputed on XX/XX/22 .....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I've contacted Bank of America on several occasions disputing an account that was open under my name, due to this account being open and whatever is owed to Bank of America its hindering me from opening a checking and savings account with other Banking institutions. I never received anything about this account being opened from Bank of America so by the time I realized years later it was too late to make a police report or put in a fraud dispute as Bank of America stated. What am I left to do, I was never contacted by Bank of America with any documents by mail no general disclosure like any other bank. The account is from 2016 when calling to ask about the amount owed so I can dispute anything Bank of America cant pull the record. If banks are not following the law and there own policy and regulations how can a consumer be aware a fraudulent account was open in there name so they can dispute it in a timely manner.

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 2022-05-18 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: CITIBANK, N.A.
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-05-18 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I was sent a letter on XX/XX/2020 stating I needed to pay Chase Auto {$2800.00} because my contract had matured. The {$2800.00} was extensions and late charges. I paid Chase {$2800.00} on XX/XX/2020. Chase placed a charge-off on my credit report. It was not a charge off because I paid the full amt.requested before the deadline ( XX/XX/2020 ) I did not receive any other documentation from them before XX/XX/2020. I called Chase Auto and was transferred a total of five times because no one could explain to me what a charge-off was. How can they have charge-off and paid in full on my credit report at the same time. A Charge-Off means a lender has written the account off as a loss and the account has been closed for future charges. I Do NOT owe these people anything, yet they have it as if I still have a balance when you call. My credit report should not have a charge off listed. I wrote them they wrote back stating that the charge-off will stand. I called and a Credit Bureau Specialist was very rude she answered me sarcastically when I asked her to send me copies of letters that was mailed to my home address regarding this matter. She refused to look into addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc.
State: CO

Complaint narrative:
They call dont say anything when I answer they hang up they dont leave messages. The calls are repeated if I dont answer. One day it was three or four in a day. They dont say who they are calling for and this harassment needs to stop

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
For 5 years, I have requested a document ( permissible permission used in XX/XX/2017 ) from Experian and XXXX XXXX XXXX XXXX ( XXXX ) to prove the XXXX loan was fraudulent. I complained to both companies. I get two useless results. 1 ) Experian does nothing, passes the buck and sends my request to XXXX who repeatedly states they are reporting accurately. 2 ) XXXX  immediately labels my complaints and request as " Marked as a duplicate complaint and This complaint appears to be about the same issues as your earlier complaint. '' The deflection and fear of liability is as a 3rd world government.

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 2022-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: IN

Complaint narrative:
Roundpoint Mortgage has been charging me an additional {$20.00} per month for " charges and fees ''. I have never been late on my mortgage and I have no way of contacting Roundpoint because they have sold my loan to XXXX XXXX. I called XXXX XXXX and they have no explanation of the {$120.00} charge on my mortgage statement but are unwilling to remove it from my account. I can only access one year of mortgage statements on the Roundpoint website since they sold my loan and their phone system is not set up for former customers to call. When I enter my loan number it disconnects the call.

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 2022-05-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I am trying to purchase a house and Macys/DSNB reported me 30 days late over a {$3.00} fee that resulted in my middle mortgage score dropping XXXX points. 

I am in the process of buying a house and that thirty day late will cost me an additional {$100000.00} plus over the life of the loan and additional costs per my loan officer.

Briefly I paid the entire balance on my card of {$300.00} before the statement closing date of XX/XX/2022. Macys tacked on a fee of {$3.00} cents for a balance of {$140.00} subject to an interest rate of XXXX percent. How that is possible when my balance was {$0.00}? 

My XXXX statement had a fee of {$3.00} which I didn't review because I don't monitor accounts that have a XXXX balance. That {$3.00} is I believe what created the 30 day late. 

I used the card in XXXX and paid that bill in full on XX/XX/XXXX, I tried to dispute the late from the bureaus but that attempt was unsuccessful My credit was perfect until this happened and I want the late removed and my credit score corrected.

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 2022-05-18 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15USC1681 Section 602 states I have the right to privacy.

15 USC1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit report as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: AES/PHEAA
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15USC1681 Section 602 states I have the right to privacy.

15 USC1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit report as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
after submitting a complaint with cfpb i received a a letter dated XX/XX/XXXX which i didnt receive until the first week of XXXX. during this time i started receiving calls from XXXX XXXX. he would call around XXXX XXXX whike i was at work> i wasnt able to return her call until XXXX XXXX XXXX  but it would go to voicemmail so i left a message. the letter finally came so i contacted XXXX about accepting the payment option so i sent the amount on for XXXX first. phh cashed my check no guestion. so XXXX XXXX i sent the next payment. i never received anything until XX/XX/XXXX. i received a letter that they would not be cashing my check and they would be sending forclosure information to their attorney.why would they cash the XXXX check if they would not follow thru with it. also in XXXX the insurance company that insures my house sent me a notice that our police would be cancelled. i immediately got new insurance and then 3 weeks later i received another ketter from the insurance company that phh paid the bill so i now had my policy reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
On XX/XX/XXXX, we purchased an air ticket for {$640.00} from a travel agency XXXX using Apple Card issued by Goldman Sachs. The flight was canceled but the agency refused to refund the ticket. Following Goldman Sachs 's directions, I disputed the charge with Goldman Sachs several times ( dispute claims # XXXX, XXXX ), reasserted some of the claims, and provided emails from XXXX as evidence of the flight cancellation. 

All the disputes were denied without indications of the reason except for stating that I had the right to see the information that Goldman Sachs gathered to make the decision. I requested this information 3 times on the phone on XX/XX/XXXX, and XXXX, XXXX ( this time with the agent under the name of XXXX ) but have never received anything. 

I do not understand why I am supposed to pay for the service that was not delivered and why Goldman Sachs failed to supply me with the information they gathered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am requesting that the following inquires are removed from my credit report as a fraud alert was placed on my credit report and that EVERY creditor must contact me before either offering credit, and/or running my social security number in the first place. 



I was not contacted by the following creditors under this stipulation to be notified first and these inquries need to be removed immediately : 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX- XX/XX/2022 3 ) XXXX XXXX XXXX- XX/XX/2022 4 ) XXXX- XX/XX/2022

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 2022-05-18 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am requesting that the following inquires are removed from my credit report as a fraud alert was placed on my credit report and that EVERY creditor must contact me before either offering credit, and/or running my social security number in the first place. 



I was not contacted by the following creditors under this stipulation to be notified first and these inquries need to be removed immediately : 1 ) Experian XXXX XXXX XXXX 2 ) XXXX XXXX XXXX- XX/XX/2022 3 ) XXXX XXXX XXXX- XX/XX/2022 4 ) XXXX- XX/XX/2022

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 2022-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  # XXXX, has violeted my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as a late for a purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: Paypal Holdings, Inc

Complaint narrative:
Dates : XX/XX/2022 Amounts : {$110.00} or XXXX Actions : Money on Hold

Company response to consumer: Closed with explanation