vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XXXX  2020, I received a promotional offer in the mail to open a savings account with Citibank, to maintain a certain balance and then receive a corresponding cash bonus. I opened the savings account online with instructions to fund the account. A few weeks later, I saw that the account was not funded, so I called Citibank and was told that I should transfer the funds myself online. XXXX A few weeks earlier, I had already transferred $ XXXX from another bank into my CItibank checking account. ) I went ahead and transfered the $ XXXX into the Citibank savings account. 
Two months later, I called to check on the {$500.00} cash bonus, and was told that I would have to wait until XXXX I called in XXXX, and was told that they could not find the promotion to which I was referring, and asked that I bring it into the nearest Citibank branch. I told them that I could not bring it in personally, because of health concerns, but that CItibank could pick it up or I could mail or eMail it. I was advised that I could not mail it, and that there was no eMail address that I could send it to. The representative said that they could open a dispute, and would get back to me I called again in early XXXX, and was told that the promotion was located and that the funds would be deposited within 10 days. 
I recieved a letter today stating that I DO NOT qualify for the promotion because the funds were transferred into the savings account from another Citibank checking. I explained that I had to transfer the funds to the new savings account because : ( 1 ) Citibank failed to fund the savings account ; and ( 2 ) I was instructed by Citibank to transfer the funds myself I followed all of the terms : ( 1 ) opened a NEW savings account iwth $ XXXX ; ( 2 ) maintained a $ XXXX balance for 60 days thereafter. Citibank has refused to honor their own promotion

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 2021-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: MO

Complaint narrative:
Accidently deposited XXXX to XXXX  address on binance.us created ticket XX/XX/XXXX to have binance recover the XXXX and either send it back to sending address or credit it to account as XXXX. Ticket # XXXX. XXXX replied to ticket and said it was submitted. However on Tuesday XX/XX/XXXX the ticket was closed for comments and had been marked as solved since XX/XX/XXXX even though funds have not been restored. A new ticket # XXXX was made in place of old one. I have heard from others who have had a similar issue on a later date that their problems have already been resolved so I can only assume my ticket was ignored when closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is my last step before filing a lawsuit on XXXX  XXXX Transunion in the XXXX of Virginia. 
Multiple disputed all documented XXXX  XXXX Transunion failed to follow procedure when processing a dispute. They've complete disputes early without actually verify if the information was correct. I've been denied credit cards and loans for this misinformation. It has cause me great stress in my life trying acquire new credit. The information is simply not correct and needs to be corrected or removed. No one should have information being reported differently on all credit reports from the same creditor. When a consumers credit is pulled they are pulling all 3 credit reports and if things don't match up then you may have a problem. For years XXXX  XXXX Transunion has been ruining my credit with these ploys. I've taken major steps to repair my credit and they are now a block in the way. I paid debts that were reported correctly if I owed that company and the validation is accurate. 
XX/XX/2021 Sent to XXXX XXXX Transunion a Factual Base Dispute consisting of errors placed by their company against me. Equifax refused to update the information to maximum accuracy. XXXX  XXXX Transunion accused me of using a credit repair services when I have wrote these letters by myself. I will include the 30+ letter that I have used to send XXXX  and Transunion XXXX This letter goes over every possible error that I thought I could find, that is causing great harm to my person. I've included proof behind every error. I've sent it to each credit bureau so they can all correct the errors. My intention is to pay all my debts, remove any negative nark against my name, and protect my identity. I also give Equifax and Transunion any Authorization again CFPB be my witness. I will include all copies to identify me. 1 See, e.g., 15 USC 1681e ( b ) ( requiring consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning an individual about whom the report relates ) ; 15 USC 1681i ( requiring a consumer reporting agency to reinvestigate upon receiving a consumer dispute ) ; 15 USC 1681s-2 ( a ) ( 1 ) ( A ) ( prohibiting a furnisher from furnishing information that it knows or has reasonable cause to believe that the information is inaccurate ) ; 15 USC 1681s2 ( a ) ( 1 ) ( B ) ( prohibiting the furnishing of information where the consumer has notified the furnisher that the information is inaccurate and the information is in fact inaccurate ). https : 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 2021-04-03 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: BMW Financial Services NA, LLC
State: VA

Complaint narrative:
This is my last step before filing a lawsuit on XXXX XXXX XXXX in the XXXX of Virginia. 
Multiple disputed all documented XXXX XXXX XXXX failed to follow procedure when processing a dispute. They've complete disputes early without actually verify if the information was correct. I've been denied credit cards and loans for this misinformation. It has cause me great stress in my life trying acquire new credit. The information is simply not correct and needs to be corrected or removed. No one should have information being reported differently on all credit reports from the same creditor. When a consumers credit is pulled they are pulling all 3 credit reports and if things don't match up then you may have a problem. For years XXXX XXXX XXXX has been ruining my credit with these ploys. I've taken major steps to repair my credit and they are now a block in the way. I paid debts that were reported correctly if I owed that company and the validation is accurate. 
XX/XX/2021 Sent to XXXX XXXX XXXX a Factual Base Dispute consisting of errors placed by their company against me. XXXX refused to update the information to maximum accuracy. XXXX XXXX XXXX  accused me of using a credit repair services when I have wrote these letters by myself. I will include the 30+ letter that I have used to send XXXX and XXXX XXXX This letter goes over every possible error that I thought I could find, that is causing great harm to my person. I've included proof behind every error. I've sent it to each credit bureau so they can all correct the errors. My intention is to pay all my debts, remove any negative nark against my name, and protect my identity. I also give Equifax and Transunion any Authorization again CFPB be my witness. I will include all copies to identify me. 1 See, e.g., 15 USC 1681e ( b ) ( requiring consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning an individual about whom the report relates ) ; 15 USC 1681i ( requiring a consumer reporting agency to reinvestigate upon receiving a consumer dispute ) ; 15 USC 1681s-2 ( a ) ( 1 ) ( A ) ( prohibiting a furnisher from furnishing information that it knows or has reasonable cause to believe that the information is inaccurate ) ; 15 USC 1681s2 ( a ) ( 1 ) ( B ) ( prohibiting the furnishing of information where the consumer has notified the furnisher that the information is inaccurate and the information is in fact inaccurate ). https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
I have an old collection that was opened in 2014 with Hunter Warfield. I tried in passing to correct this debt but the company was very rude and laughing in the background. The debt accrued over {$2000.00} in interest over the years. ( now over {$8000.00} ) This debt has to do with apartment complex years ago. ( XXXX XXXX XXXX ) There was an eviction on my record that has fallen off. A new company has taken over and recently this year put it on my credit report as if it were a new account. Ive done a lot of research on this and it is very much illegal. They have threaten to garnish wages from my bank account as well which is also illegal. I have worked very hard on my credit and feel that this is very unfair to act as if this were a new charge and to bring my score down way low when trying to buy a house.

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 2021-04-03 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: FL

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and a public record USBK COURT XXXX ALABAMA XXXX XXXX As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue. I have also attached a copy of my current driver license please update my current address to XXXX XXXX XXXX, XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: DISCOVER BANK
State: CT

Complaint narrative:
I had an issue with fraud on my account that took months to deal with and was finally resolved with cfpb, but there is still one more issue. My card kept having late fees and a late balance, but I was not paying them and was told not to since the whole balance on my card was fraud. One agent did not even report the fraud, which is why these late fees were still appearing. Discover claims they notified me that the account was closing, but I never received any documentation due to my mail being compromised. All I would like is for my account to be reopened and sent a new card. I would be willing to open a XXXX XXXXXXXX or have the card sent with some type of signature mailing so I am sure the card will get delivered. I have an excellent payment history with this account and have been using it appropriately before the fraud appeared. I should not be held liable for someone elses actions, so I would like my account reopened with the same credit limit. There is no reason for this due to the whole issue being fraud and Discover failed to provide me with information regarding my account and providing terrible customer service. Also, I was nagged repeatedly to pay a minimum payment of {$35.00} on the account or else my card would be charged off and the agent promised me my account would remain open if I paid this payment and I would be refunded once the investigation was complete. The investigation is now complete and I am not liable for any charges, but my account is closed and I was never refunded the {$35.00}. I dont want to have my credit affected for something that was not my fault and I truly enjoyed being a Discover customer and I loved my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
The involved company is Gemini and the issue is that my account is pending verification after 5 Months into submission of my personal identifiable information. I have emailed Gemini four times consecutively, explaining my issue but have not heard anything back. I invested funds into into the Gemini platform and have been denied to withdraw those funds due to my " Pending Verification '', and it tells me to " Please check again later ''. I can not access my funds or get Gemini to release them to me, Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

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 2021-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings.

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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 EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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 like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX. I have reached out to these organizations for more information and to pinpoint where these fraudulent items came about and they can not provide me information. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report and a copy of my current driver license with this complaint. Please review.

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 2021-04-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Metro Collection Service Inc.
State: CO

Complaint narrative:
Received one notice of collection XX/XX/XXXX, called XX/XX/XXXX left message confining debt paid, call original creditor to confirm the same. XX/XX/XXXX received summons called attorneys office, they referred me to the collections office. Called collections office and creditors office, emailed original creditor they confirmed payment was made and the collections account would be recalled. However, on XX/XX/XXXX a new amount was entered to the reporting agencies. A new email was also sent on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is no way for me to report on my credit report I am a victim of a governmental racketeering enterprise or prohibited personal practice. Pursuant to the 14th amendment, 42 USC 1988 ( a ), 18 USC 1964 and 5 USC 1221 ( g ) ( 1 ) ( A ) ( iandii ) and 5 USC 5596 for an admitted prohibited personnel practice pursuant to 5 USC 2302 or a governmental racketeering enterprise pursuant to The Florida RICO Act ( see attachment 18-1 case number 20- 1679 in and for the US Court of Appeals for the Federal Circuit ) I am entitled to {$40.00} XXXX and an Admiral retirement. I have intellectual property that is constitutionally mandated to be implemented that is designed to control hurricanes, global warming by controlling the temperature of the ocean, and make the oceans more prolific by nourishing phytoplankton with upwelling when it is needed most, and to control red tides.

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 2021-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
my problem happened XX/XX/21. XXXX Coinbase Case # XXXX ) I made 4 conversion trades that all went through smoothly. Later that day I looked at my bank account and see 4 separate {$100.00} charges from coinbase that correspond to the 4 conversion trades I made. Mind you, conversion trades between coins charge no fees. So I contacted Coinbase support, explain the situation and get an automated response that a ticket will be opened and they will look into it and get back to me. Later that evening as I'm trading away my account is locked!? I check my email and sure enough I got a reply from Coinbase support! They tell me they are " locking my account while they investigate, but my funds are safe! '' So they have my {$6000.00} dollars in a volatile market which I do mostly swing trades and lock it. How does that make my funds safe exactly? My account is secure and has not been hacked. Coinbase simply charged me {$100.00} for each of my small swing trades! Today ( XX/XX/21 ) I get an email saying " my case is closed '' NO other information, no resolution and my account is still locked and have no idea where any of my money is now! They now don't respond to emails and if I try and open a new ticket they just merge it with the now " case closed '' ticket. I have never in my life had such poor experience with any company. especially one that is supposed to be # 1 and going public on the XXXX!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-03 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: GA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation