vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-23 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: CO

Complaint narrative:
I have sent TransUnion 8 requests since XXXX of XXXX, to reinvestigate incorrect items. It is now XXXX of XXXX over a year later and Transunion is SILL reporting these items on my report without any response or validation. Ive included the last letter I sent which was XXXX of XXXX and copies of the three accounts they are reporting inaccurately. 

XXXX Account status " derogatory '' This account is PAID AND CLOSED IN FULL. - Remove this to reflect CLOSED XXXX  - Payment status " Late 120 days '' - Account was paid and closed in full in XXXX REMOVE this to reflect PAID XXXX XXXX- Comments- " Dispute resolved " - This account was never in collections, paid and closed and they never even started an investigation to validate any of the information on this account which is incomplete and inaccurate. REMOVE IT This is a huge problem and I expect that these items be removed immediately

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 2022-03-23 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: BANKMOBILE TECHNOLOGIES, INC
State: WA

Complaint narrative:
On XX/XX/XXXX there was an unauthorized withdrawal of {$1500.00} from my bank account. I submitted a dispute on XX/XX/XXXX but the bank doesnt respond to any messages and I still havent received my money back.

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 2022-03-23 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
The credit company has reported to the credit bureaus that I have a delinquent account with them, and when asked to back it up or to take it off the XXXX bureaus, they have not responded at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I filed a complaint regard XXXX XXXX  and my credit score went from the mid XXXX 's to the lower XXXX 's my credit report dropped XXXX points for two or three credit inquiries instead XXXX points each.

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 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed a complaint regard XXXX XXXX and my credit score went from the mid XXXX 's to the lower XXXX 's my credit report dropped XXXX points for two or three credit inquiries instead XXXX points each.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: AZ

Complaint narrative:
GEMINI TRUST COMPANY , LLC MAINTAINED CUSTODY OF HUNDREDS OF SELF-DIRECTED IRA ACCOUNTS FROM WHICH GEMINI ALLOWED A HACKER TO ILLEGALLY TRANSFER APPROXIMATELY {>= $1,000,000} IN CRYPTO TO A SINGLE, UNRELATED ACCOUNT. GEMINI THEN ALLOWED THE HACKER TO REMOVE ALL OF THIS CRYPTO FROM GEMINI 'S EXCHANGE AND TRANSFER IT TO A " TORNADO, '' WHERE THE STOLEN CRYPTO HAS NOW BECOME IMPOSSIBLE TO TRACK AND RECOVER. GEMINI PROMISED ITS ACCOUNT HOLDERS THAT IT WOULD IMPLEMENT TWO-FACTOR AUTHENTICATION FOR ANY WITHDRAWALS, AND YET GEMINI ALLOWED THE ILLEGAL TRANSFERS TO OCCUR W/OUT DOING SO, AND WITHOUT PROVIDING ANY NOTICE TO ACCT HOLDERS THAT THE TRANSFERS WERE OCCURRING. GEMINI ALSO AVOWED TO ITS CUSTOMERS THAT ALL CRYPTO STORED ON ITS EXCHANGED IS FULLY INSURED, AND YET GEMINI HAS FAILED TO COVER THE LOST CRYPTO.

THE THEFT OCCURRED, IN SIGNIFICANT PART, DUE TO GEMINI 'S USE OF AN IMPROPER API NOT SUITABLE FOR IRA ACCOUNTS THAT ALLOWED IMPROPER ACCESS TO THE CUSTODIED ASSETS. THE THEFT AMOUNTED TO AN IMPROPER MONEY-LAUNDERING SCHEME , IN VIOLATION OF FEDERAL AND NEW YORK STATE LAW. 

GREATER DETAILS REGARDING GEMINI 'S DEFICIENCIES ARE SET FORTH IN THE ATTACHED COMPLAINTS FILED WITH THE NY XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This XXXX XXXX XXXX XXXX  account was taken over by XXXX XXXX XXXX, XXXX. My settlement with XXXX & XXXX was agree to by both parties and upon full payment of our agreement, the XXXX XXXX Account derogatory information would be permanently removed from my Experian, XXXX, XXXX, et al credit bureau reports files. 
In the past year and a half or so, I have spent well over {$1500.00} on credit repair companies, XXXX XXXX and XXXX, to have XXXX XXXX Bank delete all of their derogatory credit bureau report information reported to Experian, XXXX, XXXX, et al credit bureau, to no avail. 
XXXX XXXX Bank sold my account to XXXX XXXX XXXX, and I paid XXXX & XXXX the full agreed to amount, and XXXX XXXX Bank refuses to remove their derogatory information from all credit bureau report files, even though they sold my account to XXXX XXXX XXXX. 
Once I paid XXXX & XXXX in-full, then my original debt was completely paid off, as agreed to by XXXX & XXXX and myself! 

XXXX 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 2022-03-23 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX  # 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.

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 2022-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synerprise Consulting Services, Inc.
State: AZ

Complaint narrative:
Synerprise consulting XXXX. 
Refuses to remove collections From credit report Although the debt statue in Texas is 4 years. 
Threatening to my wife while I was in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.

Complaint narrative:
I have told them that I have never had any account with Citibank until recently and that if they could please send me documentation I would take the appropriate steps. They become abusive and threatened to arrest me and that I will be sued in court.

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 2022-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc.
State: CA

Complaint narrative:
I received a call today saying that I needed to pay that debt, and I told the Agent I'd already paid it directly to XXXX, and because it was paid in full, they were going to take 10 % off. 
The Agent said : " You can't do that, '' I said : " I did do that, and the money had been taken out of my account already. '' I told her that I am a banker and that she needs to stop telling people that we can not settle whatever amount we owe directly with the lender. That is a scare tactic and shouldn't be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
For the last 2 years I was on automatic payments with carrington mortgage after I bought out of foreclosure. I took myself off in XXXX for XXXX payment. At the end of XXXX I made my XXXX and XXXX payment. I then went on in XXXX to restart my auto payment and saw that it said my XXXX payment was due. I checked my history and it said I had around {$2000.00} in fees that I knew nothing about. I called and asked what they were for and no one could tell me. They said they would waive the fees but it would be 10 days. As this would not cause me a late fee I had them do it. On XX/XX/XXXX after everything was updated I made a partial payment for XXXX. I then logged at the end of the month and made what there website was the remaining balance for the month. In the beginning of XXXX I logged in to setup my automatic payments again starting in XXXX and it said my XXXX payment was due. I called again and was the {$800.00} was used towards fees which still no one could identify. After 30 minutes of going back and forth they said it would be 10 days to fix again but then I would owe around {$200.00} for rest of the payment. I made the payment and started my auto payments again. It is now the end of XXXX and it says my full XXXX payment is due and I owe a late fee. When I look at my payment history it shows money going in suspense account and then being taken out but nothing going to my mortgage. I would like this issue resolved but I feel if I call again they will give me the same run around I will just end up in with same problem next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
These Hard Inquiries on my XXXX report I do not recognize nor did I give my consent for. Dated XX/XX/XXXX from XXXX XXXX XXXX and XXXX XXXX. I only have knowledge of XXXX XXXX XXXX XXXX. Also their is a Hard inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX that I do not recognize as I know that I was out of town and not inquiring about an Auto loan on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My personal information was used to access personal bank accounts, change login information, alter account activity notifications, access personal emails, impersonate me for fraud, withdraw funds from my personal bank accounts, use existing cards to make transactions, request credit line increases, use my credit information to get approved for purchases, credit applications, apartment verification, alter my personal data, access my online accounts ( social media, third party payment apps, employment verification ), resolve debt collection issues, and ruin my credit score.

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 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a dispute with Experian because the addresses is listed on my credit report are not currently my addresses or addresses that I have not resided. I informed Experian that on XXXX of my consumer reports I found an account do not belong to me. I asked experience to remove the addresses from my credit report because these addresses could allow someone to get a hold of my personal information and use it fraudulently. 

Experian won't remove the addresses because they say I have multiple accounts linked to those addresses but If any of the creditor on my credit report wants to contact me. They should be able to review my credit report and find an valid address and be contact me there.

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 2022-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/2022, I recieved a text message that purported to be from Chase verifying whether I had authorized a {$2000.00} XXXX deposit. It looked like a legitimate text so I texted back " no. '' I received a call back and the individual said that they were from Chase 's fraud department. The fraudster walked me through steps to cancel the XXXX transaction. He had me send the {$2000.00} to my own phone number to prevent the money from being taken. I figured what harm could it do since it said the money was going to me. It dawned on me that this was an unusual call so I hung up the phone and called Chase to verify. The Chase representative said that he saw the transaction but that no money would leave my account because " I caught it in time. '' He also called me fortunate for catching it. Minutes after I hung up from Chase, {$2000.00} was transferred from my Chase account to the scammer via XXXX. I filed a claim with Chase who promised to review the matter in a timely fashion. They said I would hear back in 10 days but when that 10 days came and went I called Chase who indicated that the claim was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I had contacted portfolio recovery trying to negotiate a debt from XXXX of 2016 with XXXX XXXX I spoke with XXXX XXXX and also a XXXX who claimed to be a supervisor both were extremely rude would not allow me to talk and very just overall unhelpful and extremely rude I was trying to settle the vet and they were not cooperative

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I recieved an offer ( single sheet with no true proof it came from Citi ) with a number to call to activate. I called and the automated system asked for the last 4 of my card #. The person that answered then asked for full card number and then password. I was concerned about fraud and asked for some type of confirmation that it was actually Citi I was speaking with. They wouldn't give me ANY indication other than say they were Citi. I called thier customer service line and spoke with a manager whose response was simply " that's how Citi does it ''. I think this opens every Citi customer up to MASSIVE potential Identity Theft due to thier policies. Simply offering something simple like my address ( even just city and state or zip ), my last purchase, last 4 digits of my social security number or anything that would not jeopardize my identity but offer confidence that I was actually dealing with the company. I don't think I should have to do this much research to be sure I am dealing with the proper people.

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 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I filed a complaint regard XXXX XXXX and my credit score went from the mid 700 's to the lower 600 's my credit report dropped XXXX points for two or three credit inquiries instead XXXX points each.

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 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX ( XXXX Credit Score : XXXX Top 1 % ) Account : Citibank XXXX XXXX XXXX Credit Line : XXXX Account Status : Excellent - 4 years held, balance paid in full every month -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Citibank Closed our Account - in good standing w/ all balances paid 100 % monthly. They claim a call center agent said we 'Refused a Term ' but no such exchange occurred nor can they document. It is an error on the call center agent part and Citibank will not even provide the documentation to pursue them for the damages they have caused our Credit profile. They have fabricated an issue and have harmed us. 

We don't pay any credit card interest and would care about any term ( rate ) changes as we don't live our life 's paying any interest to any of our XXXX ( unused ) lines of credit. We know the Credit score game this is how we have a XXXX XXXX  score. Damages : This Closing of a XXXX line of credit for no cause, with zero documentation or even an excuse has caused our well managed Credit Score to drop by XXXX points. This big company can not harm or damage us for no cause. They may be big but we are smart and will be loud. If they are making up fraudulent reasons to harm good creditors like us ( we are blessed ) what on earth are they doing to lesser fortunate souls? I am starting here and need your assistance to pursue all courses of action. They are not too big to be accountable for their mistakes! XXXX XXXX  XXXX XXXX Email : XXXX ; 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 non-monetary relief
Consumer complaint received 2022-03-23 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: PA

Complaint narrative:
NEW INFORMATION Transunion has responded to my complaint, complaint # XXXX stating that they have received my complaint, and are reviewing the complaint and will follow-up within 60 days, see attached. 

Federal Law does NOT give any consumer reporting agency 60 days to respond to a dispute. The only provision that Federal Law grants is a 15 day extension if and only if the consumer reporting agency receives information from the consumer during the 30 day period of the reinvestigation of a dispute.

The letter that they have initially sent me in response to my initial dispute in no way gave me any instructions or identified any information that is required to get the disputed information investigated, which makes Transunion in violation of 611 ( a ) ( 3 ) ( C ) of the Fair Credit Reporting Act.

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 2022-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
This capital one XXXX  XXXX  account was taken over by XXXX XXXX XXXX, XXXX. My settlement with XXXX & XXXX was agree to by both parties and upon full payment of our agreement, the Capital One Account derogatory information would be permanently removed from my XXXX, XXXX, XXXX, et al credit bureau reports files. 
In the past year and a half or so, I have spent well over {$1500.00} on credit repair companies, XXXX XXXX and IdentityIQ, to have Capital One Bank delete all of their derogatory credit bureau report information reported to XXXX, XXXX, XXXX, et al credit bureau, to no avail. 
Capital One Bank sold my account to XXXX XXXX XXXX, and I paid XXXX & XXXX the full agreed to amount, and Capital One Bank refuses to remove their derogatory information from XXXX credit bureau report files, even though they sold my account to XXXX XXXX XXXX. 
Once I paid XXXX & XXXX in-full, then my original debt was completely paid off, as agreed to by XXXX & XXXX and myself! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Albert Corporation
State: TX

Complaint narrative:
I received a card in the mail from Albert Cash that I did not sign up for or authorize. I have attempted to reach Albert Cash by phone many times to report the issue and I am unable to get to a person. I have sent emails to them and I have not received any reply 's. I mailed a fraud packet to them that contained an 609e letter, an FTC Identity Theft Victims Complaint & Affidavit, my police report information and my identity documents. These documents were delivered on XX/XX/22 and on XX/XX/22. I have received no response to these documents either.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation