vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
American express has been stalling and i did everything one can ask for. i sent them the remittance coupon to settle the debt. They are just been stubborn and hard headed. these people are greedy. At this point I am covering my tracks to show prove to the pending lawsuit as evidence of them refusing to credit the account. on XX/XX/XXXX they sent me an email that they will be closing my account on XX/XX/10 XXXX days before I wrote my initial cfpb complaint. All bills are PREPAID. All obligations is owed to the united states.The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. They keep trying to get me to call to settle the debt when I have already sent them multiple letters. this is also a breach of privacy rights according to 15 usc 1692 c, Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. This is a HARASSMENT! also threatening to send my private information to the credit bureaus is identity theft or selling the debt. i have given them more than enough chances. At this point its ridiculous. They want the fight so that's what will have to happen. the bureaus have 4 days not fifteen in a case of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022, XX/XX/2022, and XX/XX/2022 a merchant called XXXX XXXX XXXX XXXX charged my wells fargo checking account in three different occasions. Wells fargo is saying because I have a history of buying online crypto in the past from other crypto websites they won't investigate or protect my account from these three unauthorize transactions. In what world does me buying from another site, automatically " disqualifies '' my account from having protection?

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 2022-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/2022, I got a new job as a XXXX with a XXXX  XXXX  in XXXX XXXX, California. I had to relocate. On XX/XX/2022 I found a house I liked in a post of the XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. After several messages I connected with XXXX XXXX on XXXX after reviewing his profile and noticing endorsements and work connections to verify his identity. Convinced I was renting a home, XXXX had me fill out a rental application. And then instructed me to make the direct deposits for first months rent and the rental deposit of {$6700.00}. On XX/XX/XXXX, XXXX and XXXX 2022, I transfered a total amount of {$6700.00} through my XXXX XXXX bank and XXXX XXXX  with Zelle and XXXX XXXX. I receiced a receipt for my payment. 

On XX/XX/2022, I flew to XXXX XXXX, California to relocate to my new rental home and start my new job. When I called the rental agent for the home I paid first months rent and deposit of {$6700.00}. XXXX XXXX ignored my calls and disappeared. After numerous attempts at calling the realtor, I came to and realized that I was tricked into committing a financial error by making a direct deposit to someone who tricked me under false and fraudulent pretenses. My family and I experienced additional financial challenges after having our money stolen as we had to pay for a hotel unexpectedly, as we traveled with our XXXX baby.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have reached out to each reporting agency for a resolution but was not able to achieve one. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name and number. 
XXXX. XXXX XXXX ( XXXX ), XXXX XXXX XXXX I ( XXXX ), XXXX XXXX XXXX I ( XXXX )XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXXXXXX ), 15 U.S.C 1681 section 602 A States I have the right to Privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer repot containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-01 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: NC

Complaint narrative:
I have reached out to each reporting agency for a resolution but was not able to achieve one. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name and number. 
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 XXXX XXXX 15 U.S.C 1681 section 602 A States I have the right to Privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer repot containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I Made an agreement with XXXX XXXX to Pay {$370.00} for removal of collection account from all 3 of my credit reports, it has been updated and removed from XXXX and XXXX but has remained on my equifax report for several months after it has been paid and I have contacted this company several times with no result, The agent I spoke to name is XXXX, direct line XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NM

Complaint narrative:
State on the report report for 9 months but I dont who it is and never received correspondence and it a charge- off

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 2022-10-01 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: JPMORGAN CHASE & CO.
State: NY

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On Monday XX/XX/2022, our family Coinbase account was hacked and XXXX XXXX was stolen. Our complaint, is with Coinbase and their lack of support and customer protection. It appears that despite their previous advertisement, Coinbase is not using its " insurance '' to cover any losses from theft from their exchange ( s ), but employing what could be classified as Unfair or Deceptive Acts or Practices according to the Federal Trade Commission Act ( Section 5 ). https : //www.federalreserve.govXXXX Specifically, Coinbase is using its new Coinbase XXXX ( XXXX ) subscription as the limiting qualifying factor in deploying its insurance theft coverage. However, this was poorly publicized and does nothing for any previous Coinbase exchange customers who have had funds stolen. This is highly deceptive and has resulted in the loss of millions in XXXX funds from not just us, but numerous Coinbase customers. 

To date, Coinbase Customer support has done nothing but send template emails and has not directly addressed or answered our questions and concerns to move towards a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: IL

Complaint narrative:
Ive identified accounts and inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity

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 2022-10-01 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: IL

Complaint narrative:
Ive identified accounts and inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
My father passed away XX/XX/XXXX. He has a VA loan with deed of trust and promisary note and a mortgage payment. He left no will and i am the only heir. first missed payment XXXX XXXX until now did i know the aftermath of loosing my father and trying to understand the loan agreement and probate and who assumes debt, ect.. i sent freedom mortgage a copy of my fathers death cert and informed them and then i kinda just stopped getting the mail and answering phone calls after i bured my dad. its at my negligence for letting the mortgage get 9 plus months behind but i signed into the mortgag comp online account thing and filed for a hardship covid 19 forbearanse plan..caouple weeks went by and nothing so i call custmer rep of company and pulls up info and she says the accouint has been closed so she cant view anythong on anythoing then .I was served Summons papers from Freedom Mortgage corp, they filed a complaint againt the estate of my father the unknown heir and devees and the occupants of the property as well as the state which here i live in. and one other finance company..one of the other occuiopants of the property diled a reply to the summoins for extension. i recieved my last mortgage statement and it informs me that i do not have to make any paymsents until XX/XX/XXXX and renftatement is $ XXXXsomething ... .company did a summons by publication first date of publiction XX/XX/XXXX for the forclourser of the property the statement in which i recieved and it informinf me of the covid19 forbearance approval was XX/XX/XXXX dual tracking is what i suspect the summons papers demanded the entire principal balance of XXXX ..violationg my RESPA rights thank you for your time..

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 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have quiet of few accounts, Inquires and addresses on my reports from all 3 credit bureaus and have disputed everything I have talked to them over the phone multiple times times and just got the run around every time and they say everything is verified which I don't know how even the information on the accounts that I know are mine the information is incorrect and they won't help me so here in my complaint and am now prepared to take further action.

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 2022-10-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
At the end of XXXX I paid off my Victorias Secret credit card. To date no difference has been reported to any credit reporting agency. I called the company XX/XX/XXXX. Comenity - the bank that holds the credit card acknowledged they did know about the problem and asked if they could send me a letter that it was paid off. Getting a letter doesnt raise my credit score. I was waiting for a certain score to then apply for something else but I wanted this to show as paid in full first. It is now XX/XX/XXXX its been over 90 days and there has been no resolution. I was going to go on social media and complain to Comenity but it appears Im not alone with massive issues by other credit holders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX has not reported the payments I have made to them, to XXXX, XXXX and Transunion since XXXX XXXXPlease update this reporting.

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 2022-10-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX has not reported the payments I have made to them, to XXXX, Equifax and XXXX since XXXX XXXXPlease update this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX has not reported the payments I have made to them, to Experian, XXXX and XXXX since XXXX XXXXPlease update this reporting.

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 2022-10-01 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: OR

Complaint narrative:
My wifes wallet was stolen on XX/XX/XXXX while shopping at our local XXXX XXXX store. She called me and I immediately reported it to the the 3 banks the represented the cards in her wallet. i also reported it to the local police department and gave the credit card companies the case number. There was 1 unauthorized charge conducted on each card by the thief before the banks could put a stop on them. All 3 banks later gave us a credit. Bank of America however later reversed it. I called them and asked why and they said it looks like a mistake was made and they would have to reopen the fraud case. Then i received a letter that it was approved and i should receive a credit on my account. i waited a couple of weeks and called back and they said they didnt know why i hadnt received the credit and they would have to reopen the case again. i have called over a dozen times to get this resolved only to be transferred to another person who doesnt end up helping.

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 2022-10-01 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: EQUIFAX, INC.
State: ME

Complaint narrative:
After 2 investigations by the credit bureau 's, the information on my credit report is still incorrect. On the XXXX XXXX XXXX, acct # : XXXX, the close dates are incorrect. Because of this, the account listed above must be deleted. I have enclose supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: ME

Complaint narrative:
After 2 investigations by the credit bureau 's, the information on my credit report is still incorrect. On the XXXX XXXX XXXX, acct # : XXXX, the close dates are incorrect. Because of this, the account listed above must be deleted. I have enclose supporting documentation.

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 2022-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: AL

Complaint narrative:
I received an email stating that my credit score went down XXXX points and its from this company called AR Resources and last year the same company lowered my credit score saying I owe money and then I received a report saying that my debt was paid off and now they are trying to charge me for what? I havent been to the hospital in a good while now. I did go this year but it was for my mom she was not feeling well and I accompany her to the hospital. Im not sure what is going on or why they are charging me when supposedly the debt was removed back in 2021?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My card was with CapitalOne. I received a letter in the mail around XXXX ; unfortunately, I am just opening this letter now. I have been going through some family emergencies and health issues, and unfortunately, I missed the deadline and my account automatically closed without my consent. I had XXXX reward miles that I could redeem. I called Capital one on XX/XX/22, and they told me I couldn't access my statements or redeem my awards because my account was closed. I spoke with XXXX employee ID number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: ME

Complaint narrative:
The following account for XXXX XXXX  XXXX # XXXX is on my credit report and it is incorrectly reported. After 2 investigations with the credit bureau 's the accuracy hasnt been corrected. The following is incorrect on the reporting... 

1. ) It is rated every month as C/O. It should only have been marked C/O on the first month after the first 120 day late. 

2. ) The following dates are incorrect on several reports, the Date of Last Activity, the Date Reported, the Date Opened, Closed Date.

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