vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Recently I opened Citi priority account through phone with a personal banker on XX/XX/XXXX, during the phone conversation I confirmed my mailing address XXXX XXXX XXXX XXXX XXXX XXXX twice and also faxed my credit card statements with correct address information to the application team. Then I received email stating that my card was mailed to XXXX XXXX XXXX XXXX XXXX XXXX. 
I called this team ( phone # XXXX XXXX on XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX and requested to update the address to the correct one. Each operator was providing the different information to me - XXXX the operator kept saying they can not update the address and need to submit it to the personal banker and get his approval or something like that. 
XXXX the operator said will submit the request XXXX the operator said she saw the request and will send follow up email XX/XX/XXXX the operator insisted they can not update the address within 30 days, but when I mentioned it was a mistake caused by their team, and there should already be a request, he said he will follow up with the request and I should receive the email when it's updated. 
XX/XX/XXXX and XX/XX/XXXX both operators confirmed the request and asked me to follow in 1- 2 business days to make sure both street and apt numbers are updated. 
XX/XX/XXXX the first operator asked twice what's my questions, when I repeated twice it's regarding the update status of my change of address, he put down the phone and kept me on hold without any word. I had been waiting for few minutes and hung up. 
the second operator was rude and arrogant I requested to speak with the supervisor and file a complaint. She said they don't have any supervisor and they are the only team for account application. I then requested to close my close 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 explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
I just opened PayPal account thinking it more convenient for me to do transactions oversea and I sold an item on XX/XX/XXXX XXXX it was XXXX And on XX/XX/XXXX I sold another item on XXXX for XXXX usd when the first payment came in they already put me on hold, then I ask why they just ask me to wait for few days just to make sure I send the parcel out show them the tracking number which I did after I posted it and the second item payment came in also same situation on hold also which I assume is normal in PayPal because Im new just joined them. Day past by and I keep messaging them until when they want to hold my money they just replied dont worry the money is yours they just want to make sure the item arrive to customer only will release. Item already arrive on XXXX XXXX and my pay still on hold and next thing i know I received an email stating I no longer can use PayPal without any explanation and hold my money for 180 days .it just XXXX transactions and they do this to me! please help me tq

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
The following charge appeared on my XXXX XXXX XXXX XXXX ( issued by Barclay XXXX XXXX - https : //www.barclaycardus.com ) - the below information is copied from my current activity as listed on their website : GoFndMe* salvemos alos Ar Account ... XXXX {$390.00} XXXX Points PURCHASED BY XXXX XXXX TRANSACTION DATE Saturday, XXXX XXXX, 2021 POST DATE Sunday, XXXX XXXX, 2021 MERCHANT LOCATION* XXXX XXXX CA XXXX XXXX XXXX NUMBER XXXX MERCHANT CATEGORY CHARITABLE AND SOCIAL SERVICE ORGANIZATIONS I did not make the above donation - and I contacted XXXX on XX/XX/XXXX XXXX soon as I noticed the fraudulent transaction. It has been more than the 10 business days I was informed it would take to investigate, and XXXX has not sent me any communication regarding the charge, and has not taken any action to investigate. 

I have spent many days on hold with their " fraud department '', but have yet to speak to anyone there. It is nearing the end of my statement month, and despite assurances by representatives that I would not be liable, when I log into my account ( or call ), their system tells me that I owe {$390.00} I can't afford to have a late payment show on my credit report, but they are most definitely dragging their feet and making no apparent attempt to resolve this dispute. 

I have also reached out to XXXX, but have made no headway there in terms of determining where the charge came from.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-19 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: MO

Complaint narrative:
This is me XXXX XXXX XXXX XXXX another complaint. Now On and XX/XX/21 and on XX/XX/21 I sent XXXX letters about some inaccurate things on my credit report, i also called and tried to get some help but no luck. It has been 60 plus days later and I have not received a response at all. Not a letter, email information from you or the credit agencies. I know am being taking advantage of and they are ignoring my requests both letters and online. In section 611 ( a ). It is plainly stated that a failure to investigate within 30 days gives me a reason to immediately remove these inaccurate items from my credit report. I know with covid things take longer but i am completely in the dark right now with no information that i requested. it has been well over 60 days so they need to be deleted ASAP. I demand these accounts be deleted immediately or I will have no choice but to file for litigation due to the tremendous amount of stress you caused me. My information was also impacted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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:
please remove all fraudulent accounts as i have no knowledge of them. due to the Equifax data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
please remove all fraudulent accounts as i have no knowledge of them. due to the XXXX data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over

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 2021-04-19 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: Collection Consultants of California
State: CA

Complaint narrative:
On XX/XX/2021, a derogatory mark was added on my credit report per XXXX XXXX from Collection Consultants Of California for the {$230.00} now {$300.00} and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. My request, therefore, is twofold per validation of debt and HIPPA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: M. G. Credit, Inc.
State: IN

Complaint narrative:
I sent 2 certified letters that were never picked up intentionally because they can not provide information that I asked for so this company feels that if they dont touch or accept certified mail their problems will go away.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: EQUIFAX, INC.
State: OH

Complaint narrative:
On XXXX I requested my updated address be the only address on file because I don't want my personal information being sent to addresses I do not live in and showed numerous items of identification my address and it went ignored so I refiled again on XXXX after equifax said they couldn't change it and showed more documentation and still nothing changed. I don't want personal mail or information being sent to homes that i don't live in.. identify theft is a serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
I want info on recasting my mortgage. 

Loancare is the absolute worst. 

They have no human beings to handle inquiries. Only an automated system without this option. Utlitmately it keeps hanging up on me. 

I did not choose to be a customer of this lousy company. My mortgage got sold to them.

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 2021-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/2021, I placed an Order for Two wire transfers, in the amount of {$14000.00}, each, at Wells Fargo Bank Branch # XXXX, in XXXX, Washington and the phone number for them is XXXX I was told that the funds will be available, in Three days. 
I called and left a message for XXXX XXXX XXXX and XXXX called me back, and she ultimately couldn't find my funds and where the funds went. 

From there, XXXX exculated the matter and an Executive XXXX XXXX is working on what he does and told him that Wells Fargo has damaged me, and I need to be compensated for the loss of taking care of my private affairs.

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 2021-04-19 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: FL

Complaint narrative:
on XX/XX/2021 i sent EQUIFAX a letter to dispute inaccuracies and unverifiable account. They failed to respond. 
" Under 15 USC 1681 b ( a ) ( 2 ) ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. '' I have not given EQUIFAX consent to furnish anything. Please remove the disputed items in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: KY

Complaint narrative:
This is a written request that you investigate specific items that I believe to be reported in error. Its identity theft. These accounts are not mine they are fakes. This terrible situation is causing me financial and emotional distress because of their unknown nature. The following items must be deleted. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
When you type annualcreditreport.com into a web browser, it gives a 404 page error. ( The address bar shows " https : //XXXX '', although I am NOT at any foreign location - I am in the United States . ) However, using the link from the FTC webpage ( https : //www.consumer.ftc.gov/articles/0155-XXXX ) DOES work. 

After using the FTC 's link to enter the site, I encountered another problem. Once I viewed the first credit report, the link to get another report ( " Get your next report or finish '' ) creates a popup with 2 choices : " Yes, I want to return to XXXX now '' and " No, I'd like to remain on this web site ''. The link to remain on the site works, but the one to " return to XXXX '' does not. It simply remains on the same page, although the web address bar shows " https : //XXXX.transunion.com/dss/returnToXXXX.page? # ''. 

In addition, every company providing a credit report is apparently allowed to create ads for paid services on the pages that display the free reports. This is very misleading and I hope the CFPB can stop the practice. ( Also, XXXX  's use of the XXXX website, which is nothing more than an advertisement for their {$24.00} a month credit monitoring service. )

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 2021-04-19 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: FL

Complaint narrative:
On XX/XX/2021, I filed a dispute on with Equifax in regards to an inaccurate debt on my credit report by XXXX XXXX. The dispute number is # XXXX. I did this through the Equifax website. ( Picture will be include from their website. ) On XX/XX/XXXX, I emailed Equifax requesting a response, since I never heard from them. ( Letter will be included ) This letter included a statement sighting that the Federal Trade Commission requires a response in 30 days and I will file a complaint if no response is made. Still today XX/XX/2021, I have not received a response from Equifax. This is over 90 days. On their website, under my login, it still states under investigation for dispute # XXXX. 

Today, I called Equifax. I have tried to call in the past, but I either had insane hold times or was disconnected. Today, I had the unfortunate experience of actually talking to a customer service member and her supervisor XXXX for an hour and fifty minutes. I am sorry I did not get the first representative 's name. 

According to both the Equifax representatives, the dispute was solved on XX/XX/2021. I explained to both of them, I never received any response. I did not hear from them by phone, email or mail. Also, their own system still shows under investigation. XXXX said I know we have an issue with our website not updating. I told him, that they have to show me a response within 30 days. XXXX stated he will try to send me an email showing the investigation was completed on XX/XX/XXXX. I explained it does not matter, you did not tell me within 30 days. Equifax still shows under investigation on their website. We finally ended the conversation with XXXX informing me, he is unable to even send me an email now to show investigation results. " I keep getting an error message. '' XXXX  said it may take 72 hours, to resolve this issue and I can see Equifax 's investigation results. Again, I explained to him that the FTC requires a response within 30 days, and Equifax still can't show me this and it's been over 90 days. XXXX would not remove the items off my credit report. XXXX insisted there is nothing he can do. XXXX also said that they have been aware of the website not updating for some time. So even with this information, he would not remove the complaint even though the knows their website is not working. He did not have a reason on why they did not response to my email on XX/XX/2021. 

Any help you can offer to fix this investigation would help. This credit company has single handedly ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
This is a cybercrime involving stolen identity and financial theft - amount not fully determined yet because we can not get a response from Coinbase about whether my funds were stolen. Coinbase has been the most unresponsive of all my crypto account custodian companies. 

Details/chronological summary 1. XXXX SIM card theft- on XX/XX/2021, about XXXX, XXXX assisted a hacker to take control of my SIM card and disable my phone. The hacker then proceeded to make password changes on my email and several of my crypto currency accounts. The hacker then used Coinbase to request withdrawals of {$150000.00} from a linked bank account at XXXX XXXX. I attempted to use my phone but was frozen out because of the sim swap. I borrowed my parent 's phone and contacted XXXX  to get back control of phone. We suspect possible inside job at XXXX  since I was later told that their internal notes said it was unauthorized user who called in the change of my SIM card. We have tried numerous times, but have been completely unsuccessful trying to get hold of XXXX 's fraud department and they have not pursued any investigation to my knowledge. 

2. Coinbase- I have tried everything to follow up and resolve the issue with Coinbase . 
I have attempted to do everything they said in their robot responses to no avail. After almost a full month of filing support tickets and requests to find out whether the funds in my account have been stolen, I still have not received a response. Coinbase support tickets continuosly say they have blocked the account, without telling me if there are any funds remaining. Also Coinbase is continuing to allow the hacker to try to draw funds from my linked XXXX XXXX XXXX  accounts- three attempts in four weeks for {$50000.00} each. I have no clarity from Coinbase that my {$35000.00} of investment in cryptos is still there, nor do I have any reason to believe the account is secured or frozen. 

3. XXXX XXXX- I notified XXXX XXXX to have freeze my accounts there. 

4. On XX/XX/XXXX, I called in a police report immediately after the attack but have not been able to get a copy of the police report online. 

5. FBI- On XX/XX/2021, I submitted a fraud claim to the FBI cyber crime unit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: MN

Complaint narrative:
Experian listed my XXXX expenses as {$7500.00}, which is almost twice my net income. This is also completely false. I have been paying down debt aggressively. Although my debt to credit ratio DECREASED, Experian dropped my credit score by 26 points. When I called them to ask why, the customer service rep stated that it was because of my debt to credit ratio, completely ignoring the fact that that ratio had decreased. I asked why they are reporting my expenses so high and they were unable/ unwilling to answer. 

I believe they make these false claims to get you to purchase their ''membership '' so you can fix it. However, even doing that will not allow you to dispute their false information. Since this is not a creditor reporting an account, I have nothing to dispute, it's EXPERIAN that is providing the false information and refusing to correct it.

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 2021-04-19 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: Collection Consultants of California
State: CA

Complaint narrative:
On XX/XX/2021, a derogatory mark was added on my credit report per XXXX XXXX from Collection Consultants Of California for an amount of {$400.00} now {$600.00} and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability Accountability Act ( HIPPA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofold-validation of debt and HIPPA authorization.

Company response to consumer: Closed with explanation