vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: WV

Complaint narrative:
I went online XXXX to search for a XXXX XXXX XXXXXXXX XXXX. I found a pendant on XXXX XXXX XXXX. It was advertised as high quality with a price of {$13000.00}, on sale for {$12000.00} with a 75 % rebate for a total of {$3100.00} No Tax. Attached is a screen shot of what I saw. Plainly on the top it says 30 Day Return. Upon checkout I noticed an option to pay overtime through Affirm. It asked for my phone number and email address only. it approved me for the amount to purchase the pendant over 12 months with interest. The next day I get an approval email, but it has my wife 's name on it, XXXX. My wife doesn't even know about this purchase. 

I emailed the company on XXXX asking if I was going to receive this before XXXX and never received a reply inside 24 hours. I emailed them again asking the same question. I got a reply explaining I purchased the poorest quality diamond made. So, I immediately called XXXX XXXX XXXX. He suggested I go to a smaller diamond for better clarity. The bigger diamond would show too many imperfections and be very dull. I told him to just cancel the order. He told me there would be a XXXX $ % restock fee?!!! That would be {$1000.00}. It hasn't even been shipped. He didn't offer any other solutions to try to fix the issue. 

I contacted Affirm. At first they didn't want to talk to me because the account is in my wife 's name. She doesn't even know about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
I contacted the bank on XXXX to inquire about why they were processing debit card transactions when the balance was low on as I did not opt in for the overdraft protection. The transactions in question were a reoccurring debit card transaction that hit my account at different times. The representative agreed to reverse two of those and only reversed 1. The bank has processed more of these and then tacked on an overdraft fee of {$36.00} per transaction, I was charge {$36.00} on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX with only one refunded. Asking for s refund of {$100.00}. 

Ive tried to call the bank multiple times in the past week with long hold times. I finally reached a representative today and was told she could not hear me, This was after waiting on hold for XXXX minutes and she ended 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 monetary relief
Consumer complaint received 2021-12-18 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: U.S. BANCORP
State: GA

Complaint narrative:
Approx a year ago I had several accounts opened ( or attempts ) using my identity. More fraudulent transactions committed with stolen identity. All four accounts were signaled as fraudulent by the credit organizations and no accounts were successfully opened. 

Customer service at US Bank indicated they have some identifying information on whoever attempted to open accounts that could be very useful to law enforcement. Would/could not provide more details to me. 

The four accounts are listed here : Three accounts ( two checking one CC ) applied for online through US Bank onXXXX XXXX, 2021 One credit card applied for online through XXXX  XXXX on XX/XX/2021 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 2021-12-18 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: GA

Complaint narrative:
Approx a year ago I had several accounts opened ( or attempts ) using my identity. More fraudulent transactions committed with stolen identity. All four accounts were signaled as fraudulent by the credit organizations and no accounts were successfully opened. 

Customer service at XXXX XXXX  indicated they have some identifying information on whoever attempted to open accounts that could be very useful to law enforcement. Would/could not provide more details to me. 

The four accounts are listed here : Three accounts ( two checking one CC ) applied for online through XXXX XXXX onXX/XX/XXXX 2021 One credit card applied for online through XXXXXXXX XXXX  on XX/XX/2021 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 2021-12-18 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: GA

Complaint narrative:
Approx a year ago I had several accounts opened ( or attempts ) using my identity. More fraudulent transactions committed with stolen identity. All four accounts were signaled as fraudulent by the credit organizations and no accounts were successfully opened. 

Customer service at XXXX XXXX indicated they have some identifying information on whoever attempted to open accounts that could be very useful to law enforcement. Would/could not provide more details to me. 

The four accounts are listed here : Three accounts ( two checking one CC ) applied for online through XXXX XXXX XXXX XXXX, 2021 One credit card applied for online through XXXX  XXXX on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: IL

Complaint narrative:
On XX/XX/XXXX i had a major XXXX accident where i had to be taken to the XXXX, before that, in the accident site someone stole a few of my belongings from the vehicle, including my wallet, the thief used my debit card from Citibank, fraudulently, i have already contacted police and an arrest will be made in connection with this unauthorized use of my card. 

I have also contacted my bank, and they have done a horrible job, the case was denied and closed within XXXX hours after being opened, they didnt even review the case or even paid attention. 

I have been trying relentlessly to recover my hard earned money, i have sent citibank numerous pieces of evidence to show them i was a victim, they are not doing the proper research and i am already hiring a XXXX 

Please help by creating a case as i will need this for XXXX XXXX, per their request.

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 2021-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
On XX/XX/2020 I had a larger deposit in which was for my back XXXX, I was made aware via email by workforce XXXX I had then gone over to my Citibank app to enter my acct to situate the money to a couple other accounts to pay on bills and whatnot since my woman owned small business took a huge hit from the pandemic, and had no income, and when I do finally get my XXXX, its basically to no avail! But, back to after entering the app, I could not gain access to my funds, I msg from the app to Citibank via the app messenger, but theyre stating theres no block on it, but yes there was, and yes, THERE STILL, I again, try just yesterday, THEYRE still staying my acct is active, to call in, even after I signed a form yesterday, every time, like as a year ago, all seem to going fine, till I get put on hold for them to access my acct, theyll then return very different acting n say, theres no problem, but call in to the said department.. XXXX  was contacted immediately of the occurrence, Im not clear what happened there, nothing that helped me.. I have all correspondences, emails from them since ... and also, the probably 30-40 CALLS Id made prior, just endless transfers to representatives that are barely able to even be understood, but all to have said the same, not a problem, some say yes, was a block they put, but its been lifted.. I just want into my acct n get my money they stole! Please help me... thanks and god bless. XXXX XXXX XXXX XXXX **** will gather up all documents pertaining to, included the screenshots of the msgs yesterday.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 monetary relief
Consumer complaint received 2021-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Business and Consumer Solutions.
State: TX

Complaint narrative:
i received a letter from a debt collection company ( FBCS, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX ) claiming i owe {$5600.00} from an unpaid XXXX XXXX XXXX The bank who filed the claim is XXXX XXXX XXXX XXXX and the original creditor is XXXX XXXX. I called FBCS and they confirmed my social security number, name and address are correct ; however the email address on file was not. FBCS XXXX  said the account was related to charges from 2017. I have never opened a XXXX XXXX XXXX so I know this is not my debt. I asked them to please report the account as fraud. The FBCS XXXXXXXX told me she would be mail me a form to complete and mail back to them. I thought I would file an official complain with your office. Please let me know what else I need to do to protect my credit card from this fraudelent debt. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was not aware of any action taken towards me I made my payment for service on that day. I was not aware of any balance I immediately went to the XXXX to resolve this issue. Please me in clearing this up as this my be having an effect on my credit report as I am attempting to secure a place to live.

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 2021-12-18 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: FL

Complaint narrative:
Received response from Equifax stating they needed more identity. How pitiful are they or is it they are off shore and can not comprehend? This issue has been going on for years and they and you have the complaints. The complaint has hot that has ALL of my information as does every one of the hundreds of complaints they and you have received in the past. As you know you have not for years fixed the SOCIAL SECURITY ERROR in your software... how strange..yes right.. yet you don't do much of anything. The game evidently no intended fix just delay and blame. See error CFPB ( XXXX  ) The following form fields are incomplete or have errors : Social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: The CBE Group, Inc.
State: PA

Complaint narrative:
I'm submitting this complaint in reference to CBE GROUP knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof " TO SEE '' Valid Authorization/ proof of alleged debt. Report without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by the FTC u.s c41, et esq

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2021 XXXX charges in the amounts of {$220.00} and {$5.00} appeared on my XXXX XXXX XXXX  with Bank of America. The description of these charges says XXXX XXXX XXXX CA. I do not have an account with either of these companies and do not do business with them. When I called the number they were unable to help me because, of course, I do not have an account with them. 

I then contacted Bank of America and reported the fraudulent charges and Bank of America reversed the charges the following day, XX/XX/2021, closed my account and mailed me a new credit card. I thought that was the end of it but on XX/XX/2021 the charge for {$220.00} reappeared on my account as part of the balance due. The charge for {$5.00} has not reappeared. The reason given by Bank of America for charging me back for this fraudulent charge was that the merchant has provided documentation confirming I received the merchandise or service. 

I immediately started calling Bank of America and talked to numerous persons on XX/XX/XXXX and XXXX, 2021. I requested the most basic information so I could explain why this isn't my charge which is the name of the merchant, the item I supposedly purchased and when and where it was delivered. Bank of America has not furnished me with any of that information. In Bank of America 's denial letter the transaction description is blank. 

XXXX can't help me, XXXX can't help me and Bank of America won't help me. Please help 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 monetary relief
Consumer complaint received 2021-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective XXXX my identity theft affidavit. I have never authorized or gave XXXX written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I've been trying to get a XXXX fare ticket refunded. First through the merchant with nonresponse, and then through the citibank XXXX XXXX the ticket was charged on. According to the merchant policy I could make changes or cancel the ticket up to XXXX hour prior to departure. I canceled it 6 days prior to departure and less than XXXX hours after receiving confirmation.Even if there were any fare restrictions, fine prints, would have been overridden as stated by the merchant if they failed to confirm my reservation within XXXX hour due to internal delays. Furthermore, the purchase of a new ticket for the same travel date and itinerary 6 days prior to departure and only a few hours after receiving XXXX  reservation confirmation, also using the same credit card ending on # XXXX along with the submitted documentation 's timeline proves I have done my due diligence to cancel this ticket as I don'tsee any reason Id keep both. 
I will never again purchase a travel ticket unless it's straight from the carrier. Online merchants who make it impossible forthe customer to reach customerservice and don'thonor theirpolicy like this particularmerchant give a bad name to online sellers. 
The credit card company has shown little to no effort to settle this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
This company keeps reporting inaccurate information on my credit report. Ive filed XXXX dispute and they arent correct the inaccuracies! My other reports reflect accurately and I would like this to be removed due to the inaccuracies claiming to be verified and a formal investigation not properly conducted. Please answer how an account goes from closed to open and now no information is available?

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 2021-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I had a XXXX XXXX credit card with Chase Bank. The account was transferred to XXXX in XX/XX/XXXX. After the transfer took place, XXXX XXXX issued XXXX credits in the amount of XXXX each for airline tickets purchased on XX/XX/XXXX against the credit card I used for the original purchase. Unfortunately, that card had been closed by Chase and a new card issued. When my Chase account was transferred to XXXX these credits were not transferred over. Chase tells me they no longer have access to my account and can not help. XXXX has confirmed they did not receive the credits and they have not been able to get Chase to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
I am filing a complaint against the company PAYWARD VENTURES operating under the trade name KRAKEN whose head office is located : Payward Ventures , Inc. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX Reason : misappropriation by the company Payward ( KRAKEN ) of a portfolio of assets in Euros and crypto-currencies for a total amount of XXXX bitcoins as of XX/XX/2021 ( i.e. approximately XXXX at the time of the event ). 

I blame the company : 1.for not having alerted me that two withdrawals, by a means other than the email that we do not necessarily consult in real time, one of XXXX bitcoins, the other of XXXX bitcoins were requested by an internet user based in XXXX ( which the company was aware of ) 2.not to have implemented a security leading to validate by the account holder, by one or two means ( email, SMS... ), a withdrawal of a very significant amount 3.for not having informed me that two withdrawals had been made on XX/XX/XXXX at XXXX UTC ( XXXX XXXX time ) 4.for not having responded quickly and up to the stakes to my insistent requests that I made to the support : the answers took several hours to come, and it took me three days to be able to reconnect to my account and find out that it had been completely emptied 5.of not having provided the security expected for a platform for exchanging the funds entrusted to it 6. to be responsible by these breaches for the total loss of my portfolio of assets up to XXXX Bitcoins Comment : before any intervention to be able to allow me to connect again, the support required to carry out a certain number of interventions that I had to perform, in particular to delete the browsing history, which is now detrimental to the analysis of events. The KRAKEN support being able to know that the funds had already disappeared, should instead have asked to preserve this useful information to document the possible phishing situation, whereas today the precious and useful data for the investigators has disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC
State: AZ

Complaint narrative:
A letter was received from American coradius international llc on XX/XX/21 stating they were attempting to collect a debt that I owe to XXXX in the amount of {$65.00}. 

I called XXXX and they verified that I have a XXXX balance and they have not referred my account to a debt collector. XXXX is unaware of why a company would be attempting to collect a debt in their name as there is no debt.

Company response to consumer: Closed with explanation