vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: MD

Complaint narrative:
STATE COLLS is claiming that I owe them {$50.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: LA

Complaint narrative:
I joined Gemini as it was said to be a highly trusted company in many reviews. After giving it a try and depositing money they have froze my account. So while they have my money i cant do anything with it and cant withdraw it. I have been trying to contact them via Email and XXXX for over a month and they dont repond. the phone number is fake. After getting on XXXX, reviews from app store on phone, and many forums i now realize they are doing this to many users and some have been trying get them money back for 6 months now. This website is a scam and after i get my money i will never deal with them again ever. 

Gemini Trust Company , LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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 SYSTEM INC/ is claiming that I owe them {$2200.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
In XXXX, I Purchased A " Baby Camera System ''. I Decided To Return IT. I Went Through The Return Process And Received A Return Label. I Sent The System Back And The Seller Received It. I Had A Credit On My AMAZON Account Of {$250.00}. I Called AMAZON Customer Service, And They Told Me That I Would Receive A Refund Check For, The Full Amount Mailed To Me. As Of XX/XX/2021, I Have NOT Received My Refund.

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 2021-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjusters added an account to my credit file without ever notifying me nor providing me written notice even to dispute this claim. 

My credit file states that they added this account on XX/XX/2021, however, it started reporting on XX/XX/2021. Again, no knowledge or was I allowed any opportunities to dispute. Provide proof where your company notified me of this debt. 

The entry states the that original creditor is XXXX XXXX XXXX XXXX XXXX for {$860.00}. Please provide me the original documents that give you justifications to collect any debt from me. The amount of the original debt to include the date I contracted to do business with your firm. 

I am requesting that you provide the amount you say I owe you and the signed documents where I contracted to do business with your firm. Specifically I am requesting you verify and validate this debt as I was not legally notified. 

I request that you provide my your authority to do business in my state by providing me with your license no. for debt collection in the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: WA

Complaint narrative:
I have disputed XXXX XXXX XXXX XXXX in the amount of {$940.00}, this is not my account it is a fraudulent account I never authorized. Transunion never Provide wet signature that I requested to verify account, per FCRA section 609 if account can not be verified and provide wet signature contract account should 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 2021-05-18 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I had an account with Navy Federal Credit Union which was tampered with by an unauthorized third party. Around the time that my account was used in a mannerism that I never authorized, I was the victim of a hate crime and assaulted. I was also under the supervision of the XXXX XXXX XXXX in XXXX, New York as a victim of Domestic XXXX where an Order of Protection was issued for my personal safety and security. My checking account with NFCU was used fraudulently and closed. I was then reported to Early Warning Services for " Checking Account Fraud '' showing a XXXX dollar loss. 

I was also the victim of Identity theft and XXXX XXXX and XXXX credit cards were opened in my name fraudulently and without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I got a promotion in the mail from citi bank stating Im pre qualified for their offer with XXXX XXXX, spend {$3000.00} in 3 months and receive XXXX airline miles. 

I called to confirm this offer was still good because I already used a similar offer last year and redeemed it. I was told if I got the letter, get fully approved for the card and spend the appropriate amount of money I would revive the airline point even though I already used a similar offer the year before. 

i was approved for the card the following day, spend the {$3000.00} within a month of applying and my miles never showed up. After a couple weeks I called to see why I still havent received my credit for the miles, I was told this offer is only good ever 4 years for each individual and I already had this offer the year before. I explained to the manager that a got a pre approved promotion letter in the mail and I called to confirm I qualify for the miles and I was told I was.

the manager refused to help me in anyway. I feel taken advantage of and lied to. I did not need or want another credit card, the only reason for opening this card was for the the miles ( which I called to confirm I was eligible for before applying ) now my credit score is lower and I purposely spent extra money to reach the {$3000.00} minimum on a card for no reason, if they told me in the beginning I didnt qualify I would not have opened the account and would have waited to buy certain items.

I just cant get over the lying and horrible customer serving that I am receiving from the citi XXXX XXXX credit card.

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 2021-05-18 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: Early Warning Services, LLC
State: NY

Complaint narrative:
I had an account with XXXX XXXX XXXX XXXX which was tampered with by an unauthorized third party. Around the time that my account was used in a mannerism that I never authorized, I was the victim of a hate crime and assaulted. I was also under the supervision of the XXXX XXXX XXXX in XXXX, New York as a victim of Domestic XXXX where an Order of Protection was issued for my personal safety and security. My checking account with XXXX was used fraudulently and closed. I was then reported to Early Warning Services for " Checking Account Fraud '' showing a XXXX dollar loss. 

I was also the victim of Identity theft and XXXX XXXX and XXXX credit cards were opened in my name fraudulently and without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: NY

Complaint narrative:
I am the victim of identity theft and have placed fraud alerts on all of my credit reports. The telephone number on the fraud alert which is listed on my credit reports needs to be updated to ( XXXX ) XXXX. 

Since the placement of the fraud alerts on my credit reports, a number of inquiries have been placed for credit using my name and social security number that I've never authorized. 

The XXXX and XXXX XXXX XXXX XXXX Accounts that appears on my credit reports is a result of fraud and identity theft. I have filed an Identity Theft report and police report with the credit bureaus but, they are refusing to remove it. 

The matters in this complaint have not been addressed or have ever been in any Litigation or before a court of law nor are they scheduled or filed to be heard in a court of law.

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 2021-05-18 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: NY

Complaint narrative:
I am the victim of identity theft and have placed fraud alerts on all of my credit reports. The telephone number on the fraud alert which is listed on my credit reports needs to be updated to ( XXXX ) XXXX. 

Since the placement of the fraud alerts on my credit reports, a number of inquiries have been placed for credit using my name and social security number that I've never authorized. 

The XXXX and XXXX XXXX XXXX XXXX Accounts that appears on my credit reports is a result of fraud and identity theft. I have filed an Identity Theft report and police report with the credit bureaus but, they are refusing to remove it. 

The matters in this complaint have not been addressed or have ever been in any Litigation or before a court of law nor are they scheduled or filed to be heard in a court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have mailed the 3 credit bureaus requesting validation of debt being reported on my credit profile over 30 days ago and until now I have still yet to receive a mail stating the status of my request or an update. I have mailed a follow-up letter requesting such information and haven't received a response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
VIOLATION OF THE GRAMM-LEACH-BILEY ACT OF XXXX XXXX CITIBANK TORT COMMITTED BY CITIBANK AGAINST XXXX XXXX ON XX/XX/XXXX THROUGH PRESENT I WOULD LIKE THIS CONSUMER PROTECTION BUREAU TO INVESTIGATE THE TORT CITIBANK HAS COMMITTED AGAINST ME. 

I WIRED MONEY TO MY XXXX XXXX INVESTMENT ACCONT WHICH IS LOCATED AT CITIBANK. I SENT THE FUNDS OF {$4500.00} FROM MY CHASE CHECKING ACCOUNT. 

XXXX SAID IT WAS SENT SUCCESSFULLY BUT XXXX XXXX DID NOT RECEIVE IT. THE NEXT WEEK WOULD TAKE HUNDREDS OF CALLS TO TRY AND TRACK DOWN MY FUNDS TO NO AVAIL. 

FINALLY CITIBANK HAS COMMUNICATED TO XXXX THIS STATEMENT/QUOTE/ IN ACCORDANCE WITH OFAC GUIDELINES. 
PLEASE PROVIDE THE BELOW INFORMATION FOR XXXX XXXX IN THE REMITTER PAYMENT DETAILS FIELDS. 
. 
FULL NAME AND FULL ADDRESS OF THE INDIVIDUAL GENERATING THE HIT, INCLUDING CITY AND COUNTRY DOB OF INDIVIDUAL POB OF INDIVIDUAL PROOF OF CITIZENSHIP DESCRIPTION OF RELATIONSHIP BETWEEN ORIGINATOR AND BENEFICIARY DETAILED PURPOSE OF PAYMENT FULL NAME AND ADDRESS OF INDIVIDUAL 'S EMPLOYER, INCLUDING CITY AND COUNTRY ( IF APPLICABLE ) COPY OF INVOICE ( IF TRANSACTION IS COMMERCIAL IN NATURE ). 
FUNDS WILL BE HELD AWAITING YOUR URGENT REPLY. 
PLEASE ATTACH ANY NECESSARY SUPPORTING DOCUMENTS IN RESPONSE TO THIS MESSAGE REFERENCING OUR CASE NUMBER. 
FAILURE TO PROVIDE THE REQUESTED INFORMATION BY XX/XX/XXXX MAY RESULT IN THE FUNDS BEING REJECTED OR BLOCKED BY CITI. 
/UNQUOTE/ Please provide the above mentioned details as soon as possible to avoid any further delay of your payment. For all correspondence pertaining to this case please be sure to quote our XXXX XXXX XXXX, N.A. reference in your reply. '' THIS IS A VIOLATION OF THE GRAMM LEACH BILEY ACT OF 1999 THEY DID NOT DISCLOSE MY RIGHT TO PRIVACY THEY NEVER GAVE ME THE RIGHT TO OPT OUT OF INFORMATION SHARING AND THEY DIDNT EXPLAIN THEIR INFORMATION SHARING PRACTICES WITH ME. 
I SPOKE WITH XXXX IN THE WIRE DEPARTMENT WHO WOULDNT GIVE ME HIS LAST NAME. HE IS A TOUGH GUY BIG SHOT. SO I ASKED FOR HIS MANAGER XXXX THE WIRE SUPERVISOR EMPLOYEE ID XXXX I WAS SO RESPECTFUL WITH HER SHE WAS CORDIAL PROFESSIONAL AND NICE, AND MITIGATING RISK AS SHE SPOKE WITH ME. SHE DIDNT SAY ANYTHING OTHER THAN THEY ARE RETURNING THE FUNDS BACK TO XXXX ( WHICH HAS NOT HAPPENED AS OF THIS EMAIL ) SO LET 'S DO THIS BECAUSE OF THIS 100 'S OF THOUSANDS OF DOLLARS WILL BE SPENT BY CITIBANK AND OTHER GOVERNMENT INSTITUTIONS THAT WILL MITIGATE THIS FROM HAPPENING AGAIN TO OTHER XXXX 

FOR I AM A UNITED STATES XXXX XXXX VETERAN AND WE MUST LEAD BY THE FRONT CITIGROUP EXPECT A FEDERAL COMPLAINT FILED IN DISTRICT OF COLUMBIA CHALLENGING YOUR OFAC GUIDELINES INTERNAL POLICY. 

WE'RE GOING TO SEE IF XXXX XXXX WAS A GOOD HIRE FOR YOUR GUYS FROM XXXX. 

GET SUED SEMPER FI 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 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I am XXXX. I need an advocate to assist me in obtaining my interest in the fathers estate. My brother, XXXX XXXX XXXX, was named as executor of my fathers estate, The estate of XXXX XXXX XXXX XXXX Attorney XXXX was assisting my brother in Michigan XXXX My brother was also receiving help from an attorney, XXXX XXXX, Attorney XXXX XXXX of Georgia because my father died while living in Georgia. To the best of my knowledge my fathers estate is without oversight. The assets were in a variety of financial instruments in excess of {$12.00}, XXXX. I need assistance to fairly and independently sort through and finalize my fathers estate. My only desire is to ensure the trust be divided equitably divided among the beneficiaries. I have copies of all the critical communication among the siblings. The accounts originated from within XXXX XXXX out of Georgia and then transferred into Wells Forgo in Michigan. I also have critical communication between XXXX and both XXXX XXXX and XXXX XXXX regarding the my fathers estate. Thank you XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I will include in my next email XXXX XXXX XXXX XXXX Michigan 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 2021-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: COMPUTER SCIENCES CORPORATION
State: MN

Complaint narrative:
Hi, what happened? For 6 years I have been on auto pay on the XXXX of every month. Check my account. Meanwhile I just got a letter stating my last car payment was past due.. Why was that not taking automatically from the account. I just paid online via XXXX XXXX for {$330.00} which should be my LAST payment since maturity date is XX/XX/2021. This is a glitch on your end and you guys should have automatically taken out the last one ... Why also was it {$330.00} and not the usual {$330.00}? Lastly, not only was this a glitch on your end, you also should not be reporting it to the credit bureau since I just paid online well within 30 days. .Please confirm and explain what went wrong. Also concerned you may start trying to continue to take from my account. I need the title and lien release. This car is now officially paid off. I should have a zero balance now.. please send all paper work for release of title, lien, etc.. 

I have been doing automatic since DAY 1 for 6 years!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
Also you guys have a TON OF XXXX complaints. This better not go on my record. Looks like you just did same to someone else. This is your issue. 
This looks like attorney general should get involved. You have 36 complaints at XXXX  and looks like you have issues with releasing liens and people are losing transactions. Someone else you did same thing.. took money out yet told them they were past due. With me.. I was set up for automatic with drawl and you didnt pull the money out.. why not? 


SCARY.. these are your complaints. I believe your regulated by federal trade commission. Enough complaints there should be a class action.. attorney general and bank regulators will be contacted..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Commonwealth Financial Systems, Inc.
State: MS

Complaint narrative:
My report is stating that I owe over XXXX dollars to XXXX XXXX XXXX or creditor that I had no knowledge about any account.I feel very threatened that I'm having these things on my credit report and my whole life I never borrowed from anybody or anything.I don't understand what I owe exactly but its identity theft. It may possibly be that my I'd was stolen? And someone must have used it. Can you tell me where the account they say I have is? Or what type of loan maybe? Cause its been a long time since I had even over a XXXX dollars! Some of those names and addresses aren't mine. Do I have a mortgage or vehicle? If so what do I have?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be l have not been able to get help from them for months but I just remembered I could file a report on here as 1 tool they are not doing their job properly and it is effecting me a great deal as used PayPal quite frequently My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have mailed the 3 credit bureaus requesting validation of debt being reported on my credit profile over 30 days ago and until now I have still yet to receive a mail stating the status of my request or an update. I have mailed a follow-up letter requesting such information and haven't received a response

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 2021-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Entity : Credit Karma/XX/XX/XXXXDetails : - Opened Credit Karma checking account on XXXX/XXXX/21 through XXXX. 
- Reason the account was opened because XXXX offered {$50.00} if my tax returns were deposited in this accounts and needed to set up direct deposit by XX/XX//21. 
- Confirmed this offer again over email. I have a record of them repeating the offer. 
- No money deposited on promised date ( XXXX/XXXX/21 ) and support denies the offer ever existed. 
- Complaint regarding deceptive practices and false advertising.

Company response to consumer: Closed with explanation