vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-20 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: OH

Complaint narrative:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts -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 explanation
Consumer complaint received 2021-11-20 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: MA

Complaint narrative:
I have tried everything to resolve the issue from writing XXXX XXXX a letter to calling to disputing the issue with the bureaus but nothing has worked as they are refusing to acknowledge my request the XXXX at XXXX XXXX laughed at my concerned and said i would never be able to remove the remark as they say was reported correctly the issue is that it was NOT i paid my lease every mo the on time they failed to report an excise bill and too the money from my monthly hill to pay the excise bill when confronted why they shared that it was a system issue they have and was processed that way

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: MA

Complaint narrative:
I have tried everything to resolve the issue from writing XXXX XXXX a letter to calling to disputing the issue with the bureaus but nothing has worked as they are refusing to acknowledge my request the XXXX at XXXX XXXX laughed at my concerned and said i would never be able to remove the remark as they say was reported correctly the issue is that it was NOT i paid my lease every mo the on time they failed to report an excise bill and too the money from my monthly XXXX to pay the excise bill when confronted why they shared that it was a system issue they have and was processed that way

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 2021-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Under Florida XXXX XXXX XXXX " A void judgement is a XXXX that has no legal force or effect, the invalidity of which may be asserted by any party whose rights are affected at any time and any place, whether directly or collaterally ... its in incapable of being confirmed, ratified, or enforced in manner or to any degree. 

On XX/XX/XXXX, SPS ( Select Portfolio ) reply to our complaint no. XXXX, and made the false that on XX/XX/XXXX, we had engaged in a loan modification agreement. SPS uploaded a copy of the allege agreement to the Consumer Financial Protection Bureau portal. I have attached the same for your recollection. If you carefully review the signature page you'll find that SPS ( Select Portfolio ), never signed the agreement, therefore we never had a contract. Under Florida XXXX XXXX ( XXXX ) ( a ), A written agreement loan modification agreement must be signed by both parties. Because XXXX XXXX never signed the agreement we never had a contract, therefore is a void. The allege contract never was, nor taxes paid on the loan increase pursuant to Florida statutes XXXX ( XXXX ) ( b ) XXXX ( XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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:
To Whom It May Concern : I have a credit card, account number XXXX, with BarclaysUS. They were offering a 0 % APR balance transfer offer for 6 months that I wished to accept. The representative was offering to direct deposit the money that I need directly into my business bank checking account with XXXX Bank. I did this transaction on XX/XX/XXXX and the transaction posted on XX/XX/XXXX. I was a bit concerned with the XXXX doing the transfer on XX/XX/XXXX as he was not asking for my routing number and did not know the account number. I found this odd since I had done a similar balance transfer offer successfully on XX/XX/XXXX to the same bank account and got the money instantly. He kept asking for my branch address. I had to request that he take my routing number down numerous times. I knew that without a routing number, the ACH of funds would never hit my TD Bank checking account ( or XXXX Bank at all for that matter ). He eventually completed the transaction. 

I later checked on XX/XX/XXXX to make sure the funds had hit my account and they still had not. I called on XX/XX/XXXX to establish a complaint with the company. The first representative did not seem to think it was a problem and that most ACHs could take up to XXXX business days. I implored her and her XXXX that I asked to have escalated to during the call to look a bit deeper. They realized that there was no routing number. I supplied this to them. However, now they said that this could take up to XXXX business days to resolve. I did not think that was a reasonable time window for resolution. I called again on Friday XX/XX/XXXX. I got the same answer that a case has been started and they're looking into it, but I could sense that there was no resolution on the matter or even a start to resolve the matter. They continued to reinforce that this might take 30 days to resolve. I don't think a simple ACH mistake should be given that long of a window, especially when it was me who initiated the case 5 days later and the charge is on my Barclays account for which I have the responsibility of paying. However, I don't have the benefit of receiving any money to complete the transaction. 

I am writing to the CFPB to expedite the handling of this matter with Barclays. I wish for a Barclays representative other than a customer relations XXXX to give me a resolution window that is less than " possibly 30 days ''. 

I can best be reached by my cell phone at XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: TX

Complaint narrative:
I have disputed information multiple times with the XXXX major reporting agencies asking for specific information about my dispute and I have not gotten resolution. They keep sending me a general message saying information has been verified but will not include details of the verification.

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 2021-11-20 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: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
I paid off my Target credit card with proceeds from a home equity line of credit. Twice Target rejected the payment. I used the same payment information for my other credit card companies and had no problem whatsoever. I had to move the funds to a checking account and pay them off from that. Target charged me {$29.00} for each payment and closed my account without giving proper notification which I am concerned will reflect negatively on my credit. There was {$60000.00} in the account where they repeatedly rejected the payment. There was no point in time where the funds were not there. 

I called their customer service and they acknowledged the problem, but refuse to fix it. Furthermore, since they erroneously closed my account I can not get access to my electronic statement. Every time I try to log in with my correct username and password, it insists on sending a secondary identification one-time password to my email, but the code repeatedly either shows up after the 15-minute expiration window or the passcode simply doesn't work. So now I do not even have appropriate access to my account information with which to provide you the dates of the payments and amounts. 

I have the following concerns : 1 ) Target negatively impacted my credit erroneously and categorically refused my rights to a credit dispute. They said they were willing to dispute the payment for the {$29.00} fee but would not even open a dispute for the credit reporting. 
2 ) Limiting my access to my account information with which to properly dispute the credit mistake is a further violation of my rights to properly file a dispute. 
3 ) When Target chose to close my account they did not provide appropriate notification of adverse action. 

How many other people are being denied their basic rights to a credit dispute? I would understand if they opened a dispute and we disagreed on the outcome, but Target categorically refused to even open a credit dispute. This seems to represent systemic problems complying with consumer credit protection laws. I'm a good customer with excellent credit and payment history. If this can happen to me I am concerned with how more vulnerable populations are being exploited. I would really appreciate the CFPB 's assistance in looking into this matter and fear the scope of this is more than a simple one-off. I really think this warrants a more broad review of policies, procedures, and front-line customer service training. I am concerned that their agents are operating without a basic understanding of the laws with which they are beholden.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I have caught BOA charging my & my wife 's credit card for " XXXX XXXX on Purchases '' while there must be no charge at all. This is not a coincidence & this happens with a regular pattern. BOA steals from its customers! What a shame! 
When I call BOA they have nothing to say & just apologize. This is huge fraud by a bank that is FDIC insured. There are millions of innocent citizens are charged interest that they do not have to pay. Many of these innocent people do not understand the XXXX & related financial calculation & this evil XXXX gets away from this fraud. 
I have XXXX XXXX in XXXX & I'm preparing for XXXX exam that's why I have the knowledge to catch these thieves.

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 2021-11-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: CO

Complaint narrative:
XXXX XXXX to PNC Branches visited in Colorado : XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ) Beginning XX/XX/2021, I have been unable to access both my business and personal accounts with PNC Bank after the transition from XXXX. I can not transfer any funds between the accounts. I have visited XXXX branches a total oXXXX XXXX  times. I have spent countless hours at the branches trying to identify the linking problem I was having. Come to find out, my daughter and I identified the trouble : My XXXX XXXX XXXX daughter has XXXX user ID 's and XXXX has access to my personal money market account, a joint account I have with my husband, my personal checking account, as well as several lines of credit and XXXX additional accounts. My daughter and I have XXXX joint account - PERIOD. She should not have access to my personal accounts ( checking, line of credit or money market accounts. This seems like a breach of my personal privacy. Multiple supervisors and escalations departments in personal banking, online banking, and business banking have been unable to fix this. I only have access to my money market account and a business account when I login with my personal user ID. My last conversation was over XXXX hour and XXXX minutes. No resolution. They will not send me to someone who can fix this XXXX  WEEKS LATER! What I have been told is that " they are working on it '' and " we will contact you '' and " these need to be linked ''. The bank branches have each told me that so many clients are experiencing this. That is a red flag and I am out of patience. This is a breach of my personal privacy. Who else is able to access my accounts other than my daughter? That is terribly scary. This PNC transition has been a flawed mess. This is unacceptable and has become a detriment to my business since I can not transfer funds between the different accounts. Given it is the yearend, I am very concerned that I can not make transfers and access my money in a timely manner. I am not willing to frequent the branches. They are unable to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
i recently check my XXXX credit report and noticed a lot of loans and inquiry on my credit I did not do. i am currently preparing a case of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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:
The company claimed that they were able to verify the bankruptcy but that couldn't have been possible due to the fact that I have a security freeze with the company that they use to alleged " verify the information ''. Even if I would have filed for bankruptcy, the Bankruptcy Courts do not provide any information to anyone. I have a copy of a letter that clearly indicates that they do not provide any information to anyone. XXXX uses XXXX to " allegedly provide verification of information ''. In my case, XXXX couldn't have provided verification to them due to the fact that I have a letter ( enclosed ) which clearly states that I have placed a security freeze placed on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO
State: TX

Complaint narrative:
I filed a CFPB complain to POPULAR CREDIT SERVICES on XX/XX/2021 ( Complain ID : XXXX ) regarding the charge of annual fee to the credit card after the account was closed. POPULAR CREDIT SERVICES responded to the complain on XX/XX/2021 confirming that the account as been closed and I will receive a credit for the pending balance related to the annual fee ( please see case XXXX for detailed response from the company ). However, POPULAR CREDIT SERVICES never credit my account to zero out the annual fee ( {$140.00} ) as it stated. As a result, my account is now considered delinquent ( even after closure ) and has been incurring late charges and interest charges, and this has been reported to the credit bureau which affected my credit score significantly!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/21 my debit card was used to make a fraudulent purchase which the bank alerted me to. However after finding the fraudulent charges valid during their investigation, the bank lost the opportunity to dispute these charges in the future. The merchants card processor prohibits additional disputes post the first dispute. Neither the merchant nor the bank will correct this.

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 2021-11-20 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: American First Finance, Inc.
State: IL

Complaint narrative:
American First Finance is reporting inaccurate information regarding my account. On XX/XX/XXXX, they reported me as being 30 days late w/a loan balance of XXXX and a XXXX month term at $ XXXX. This has dropped my score XXXX points. My loan payments are $ XXXX, my account is current and my payments are $ XXXX. Its almost like they input someone elses information on my account in error. I have contacted them on XX/XX/XXXX and XX/XX/XXXX and the representative advised me that my issue will be routed to their escalation team and call me back. They apologized for the error and says, their credit team would fix this problem. This account was reported to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MA

Complaint narrative:
Fraudster was selling tickets on XXXX  for a XXXX XXXX concert, I contacted them at the number on the post and agreed on a price. Sent the money through cashapp and they said they were going to send the tickets and then I stopped hearing from them. They wouldn't answer my calls or text messages and never sent any tickets

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: MO

Complaint narrative:
I have been trying to dispute these negative items on my credit report but the bureaus and so called furnisher claimed they investigated the account but never show proof of what they investigated.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
On XX/XX/2021 I sold XXXX XXXX coin on Coinbase for XXXX in USDC which is a virtual currency equal to 1 US dollar. 

Later that day when I went to move some of that money around, Coinbase gave me a notice that my account was suspended and I could not withdraw or add funds. 

For 24 hrs there customer support has been awful and completely arbitrary and I still do not have access to my funds. 

Coinbase is violating there own terms of service for some reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-20 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter to Experian about 3 collection accounts. I have yet to receive any kind of follow up on my account. Pursuant to 15 USC 1692g ( B ), they legally have to respond in 30 days or less. They violated the law by not doing so. Due to the violation, I demand that the accounts are DELETED IMMEDIATELY! 

THE FOLLOWING ACCOUNTS WERE IN DISPUTE : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX I ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Good afternoon CFPB : I need to filing a complaint with the CHASE Bank. Since they blocked my bank accounts. Without giving me a term to extract my money from them. 

Although I was always communicating with them. After the blocking of my account on XX/XX/XXXX, I have been calling every two weeks to find out the status of my funds, since they indicated that they would write me a check for the total amount that my account had at the time of closing. 

XXXX months have passed and they still tell me that my account is under investigation and my money is still being held. This money is the product of my work, and it has prevented me from replenishing my inventory of cleaning products, which is a family business I started during the pandemic. 

The amount in the account is {$56.00} Ive attached the letters received by the bank. 

I remain attentive to any other request for documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: FL

Complaint narrative:
I call Experian and sent certified mail. About fraudulent account on my credit report XXXX XXXX Cell phone {$4700.00} XXXX XXXX I file a report with FTC

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