vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
I can not transfer funds out of my Coinbase account in spite of spending 1-2 hours on chat lines and dealing with multiple representatives. They are now employing the " Plaid '' system. I've had problems with Plaid so I'm not suprised that this very flawed money transfer system is not performing as advertised. XXXX Coinbase says it can transfer the money into my XXXX brokerage account it does not link -- and my XXXX account says that it is set up to receive a money transfer from Coinbase. I transferred money into Coinbase using my checking account but their system won't allow money from my Coinbase account back into the very same checking account from which the Coinbase account was funded. I get nothing but boilerplate responses from Coinbase 's representatives but my money appears to be locked in Coinbase and I can not get it out and they are doing nothing to assist me in a useful way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In the beginning of XXXX I opened a business account but it was closed a few days later. On XX/XX/XXXX a check was mailed but I never received it. On XX/XX/XXXX I called to see where the check was I was told it was lost and another would b sent out and it would be expedited. On XX/XX/XXXX I called chase because I didnt receive a check I was told they had to investigate and make sure I didnt cash it and that they had to make sure it was lost. XX/XX/XXXX I called chase because I didnt receive my check the issue wasnt solved they hung up on me. XX/XX/XXXX I called about the missing check and I got 0 results. The check is worth {$2000.00} will I receive my money back?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
I have 4 accounts with CIT bank since many years, On XX/XX/XXXX  I had problem accessing my account online, I called the customer service and they informed me that my accounts are in process of closing and some one will call me in 2 days without any reason given, I waited and called them on XX/XX/XXXX  they informed me that i will get response by mail, i received no response on XX/XX/XXXX  I called them again supervisor name XXXX XXXX XXXX said they are in process of closing the all accounts and it will take 10 days, they refused to give me further assistant. I have 4 accounts total amount totaling {$200000.00} approximatlly. I am senior citizen and need accessto to money and i am not able to get any assitant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
under Fcra company has 4 days to remove inaccurate items. Items are inaccurate and fraudulent and are against privacy law violations. Illegal reporting of charge off by XXXX XXXX. And illegal reporting of charge off credit by rent debt collections XXXX. Privacy law violations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account. 
See the documents attached.

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 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
I WAS AT THE END OF MY LOAN AND ONLY HAD A LITTLE OVER {$1300.00} LEFT TO PAY ON MY LOAN. I WAS REAR ENDED BY SOMEONE WITHOUT INSURANCE & THERE IS ABOUT {$10000.00} WORTH OF THINGS THAT NEED DONE TO THIS CAR INCLUDING FRONT/BACK BREAKS, RACK & PINION & THE WHOLE TRUNK NEEDS TO BE REPLACED ALONG WITH THE EXHAUST FROM THE ACCIDENT. I PAID THESE PEOPLE OVER {$12000.00} FOR THIS CAR AND ONLY HAD ABOUT {$1300.00} LEFT TO PAY!!! 

i AM TAKING CARE OF XXXX CHILDREN XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX STRUGGLING TO MAKE ENDS MEAT. I'VE HAD ISSUES WITH THIS COMPANY THROUGH MY WHOLE LOAN WORKING WITH ME. MY PHONE HAS BEEN OFF BECAUSE I COULDN'T AFFORD IT RIGHT NOW. THEY SAID THEY TRIED CALLING, BUT I NEVER RECEIVED ANY EMAILS ( EXCEPT FOR 1 EMAIL THE DAY BEFORE THEY REPOSSESSED MY CAR ) NOR ANY VISITS TO MY HOME TO TRY TO SEE WHAT'S GOING ON. NOW THEY ARE SAYING I NEED TO GIVE THEM OVER {$2000.00} TO GET THE CAR BACK. IF I CHOOSE NOT TO, I HAVE TO PAY {$75.00} JUST TO RETRIEVE MY BELONGINGS THAT IS IN THE CAR RIGHT NOW. WHEN I TALKED TO XXXX XXXX AT AUTO NOW, SHE TOLD ME THEY HAVE " NO PATIENCE FOR THINGS LIKE THIS ''. THEY COULD CARE LESS ABOUT PEOPLE STRUGGING & TRYING TO MAKE ENDS MEAT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX} With Toyota Financial. I have asked for an extension.They reported late. Two weeks later they keep sending me letters that it was their fault. I wan na see if I can get those late payments removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Trident Asset Management, L.L.C.
State: PA

Complaint narrative:
I Do not know TRIDENT ASSET MANAGEMENT they are claiming that I owe them from a Credit Card they never sent any documentation stating anything but they keep updating my Credit Profiles and its hindering my Credit Score and I tried Disputing but they keep saying that the information is accurate when I never signed anything with them so it cant be accurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have sent numerous requests to update my personal information correctly to Experian and XXXX they have continuously ignored my requests. 

Please tell Experian to delete the following addresses and names : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-18 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: MS

Complaint narrative:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions 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 explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 A States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions.

15 USC 1681c ( a ) ( 5 ) Section states : no consumer reporting agency containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: PA

Complaint narrative:
On XX/XX/XXXX, I initiated a balance transfer with Discover in the amount of {$4400.00} with no interest until XX/XX/XXXX. I have been making at least minimum due payments on my account. I have recently started making large payments in an attempt to reduce the interest I will be charged on XX/XX/XXXX. I looked at my last couple recent statements and noticed that of the {$1300.00} in payments that I've made for the time period of XXXX, only {$270.00} has been applied to my balance transfer remaining amount. I spoke with a Discover employee and a manager via online chat today, XX/XX/XXXX. I was advised that their policy is to apply any payment amount over the minimum due towards the purchase balance with APR. I asked if they could please make an adjustment and apply my payments to the balance transfer amount. I was told no and that no one at Discover could help me. I've been saving up trying to get this balance down to avoid interest and get my family back financially. I'm not asking for interest to be waived or anything like that... I just really need all these extra payments applied to the balance transfer. I was told the only way to get no interest charged on the balance transfer was to pay my complete balance for everything in full. Crazy how Discover 's motto is " We treat you how you'd treat you ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have sent numerous requests to update my personal information correctly to XXXX and Transunion they have continuously ignored my requests. 

Please tell XXXX to delete the following addresses and names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please tell Transunion to delete the following addresses and names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I sold {$1800.00} worth of XXXX on PayPal. The account was frozen for 180 days. I was supposed to receive the money after 180 days but they are still not releasing it. The money belongs to me. It is mine. PayPal needs to give it to me so I can transfer it to my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: EQUIFAX, INC.
State: OH

Complaint narrative:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor Name LXXXX XXXX XXXX  XXXX XXXX XXXX XXXX ), Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/2023 I started receiving emails from Bank of America stating they received my application and my account was approved. 

I have several accounts with Bank of America and was concerned. I called them immediately and they advised they can not see anything on their end. 

On XX/XX/2023 I received more emails stating my email address has been changed. I immediately went to a bank branch and they looked up the account and said there was a checking account opened in my name with my social security number, address and the email address was changed from my actual one to a different one. They told me that I needed to contact their fraud department. 

I contacted their fraud department on XX/XX/2023 and they advised they closed the account due to fraud. 

I have since been receiving debit cards in the mail and statements ( XX/XX/2023 ) which leads me to believe it hasn't been closed. I want this account closed. I have received nothing from Bank of America indicating it has been closed.

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 2023-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: PA

Complaint narrative:
Selene Finance says I missed XXXX, XXXX, and XXXX 's payments which I made. I have proof that they deducted the payments from the account. They started an XXXX XXXX notice against me immediately afterwards.

Company response to consumer: Closed with explanation