vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
Requested a wire transfer on XX/XX/2020 from my Gemini account with a value of XXXX $ into my XX/XX/XXXX XXXX XX/XX/XXXX account. I received a message from Gemini stating the wire was completed and the XXXX $ were no longer in my Gemini account. Money has never been received in my XXXX XX/XX/XXXXaccount. Gemini has not provided a Federal reference number for the wire transfer therefore XXXX is unable to track it. Also Gemini does not have a support where I can talk to a person, it is all over email and it takes days to receive support from Gemini.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: TN

Complaint narrative:
I would like for the CRA 's to remove the negative accounts.

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 2020-12-16 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: MLD MORTGAGE INC
State: NJ

Complaint narrative:
On XX/XX/2020, I noticed a hard pull for my credit report from MLD Mortgage. I have never agreed in a written form or verbally for them to do so. They apparently abused the information they have on me in their database ( MLD is my current lender and I provided my ssn to them before ) This is definitely not acceptable to me and I would like to take action to protect my own privacy and rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I recently opened an American Express savings account. 

I have several problems with American Express : First, this morning I logged into my account and clicked on 'search ' to see how to sign up for paperless statements. When I tried to sign up for paperless statements, it had logged me out of my account. When I tried to log back in, it did not recognize my username and / or password. ( It may have taken me to a login page for a credit card, rather than the savings account? ) I went back to the sign in page for a savings account and again was not able to click on 'paperless statements ' without being signed out of my savings account. Why does American Express have such an unprofessional website? 

Second, just now ( evening ) I tried to log back into my American Express savings account. However, when I clicked on 'email me a code ' to verify my login, it did not send me a code. It did this twice. I phoned American Express ( XXXX ) and spoke with XX/XX/XXXXXXXX ' who said that the system was down for maintenance and I should try to log in later. There was no notice on the American Express login website informing the client about the shutdown - why? Other banks put a notice on the login website when their site will be down. 
And XXXX was unable to tell me how long the system would be down for. Why does American Express not inform their clients of shutdowns, and why don't they inform their employees how long the system will be down for? 

Third, I also asked XXXX how I could fill out a Pay-on-Death / Transfer-on-Death form to leave my account to a charity in the event of my death. She said that American Express does not allow clients to have a charity as beneficiary. Why? Every other bank allows a charity as a beneficiary. This is definitely NOT in the client 's best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I do not have a credit score and report with Equifax and am unable to even create an account to even submit a dispute about it. I have called the support center multiple times and they tell me to mail documents that prove my identity. Each time I send the documents, I receive a response saying that either I did not send enough documents to prove my identity or that they could not find any credit history on me. 

There have been no issues getting credit scores and reports from XX/XX/XXXX and XX/XX/XXXX. When my last name changed, there were no issues updating my social security and passport. Thus, I know that I have the correct identification and I do have a credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: MO

Complaint narrative:
I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I was a XX/XX/XXXXcustomer for 11 years and switched phone services to XX/XX/XXXX. XX/XX/2020 I switched providers andXX/XX/XXXX bought the lines over and was taking over contracts from phone and remaining balance. I am not responsible for this account and would like it removed. This is not my responsibility the contract I signed shows it was paid byXX/XX/XXXX 
Not sure how to get this resolved and if I knew this would affect my credit then I would have just stayed with XX/XX/XXXX 
Now I am receiving collections calls from IC systems.

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 2020-12-15 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: KS

Complaint narrative:
In XX/XX/2020 I was on my mortgage company website and thought i was being billed a late fee but when i called then a rep told me after a escrow analysis my mortgage was going to increase in XX/XX/2020. I informed the rep I could not afford to pay a higher mortgage so the rep offered an extension on my mortgage, he said I could continue paying the original amount of {$1500.00} for 3 more months instead of {$1600.00} as long as I called monthly and processed payments by phone. Later that month I discovered an error that I made, my payment was not honored but I immediately paid once I realized there was an error. Multiple reps promised fee adjustments and also confirmed my payment extension that the first rep promised. By XX/XX/2020 I got a letter stating there was a problem so I called and was told my account was past due. I offered to pay any past-due amount needed so that my credit wouldn't be impacted so that rep told me to pay {$35.00} and assured me that everything else was already taken care of. She said the XXXX was for the XXXX payment being past due and NSF and said all other fees were already removed. She also mentioned for the first time that i was not eligible for the extension that was promised to me in XXXX and told me that going forward I should pay {$1600.00}. I've asked multiple reps to have the negative report removed from my credit file sinceXX/XX/XXXX rep gave me wrong info that lead to full payment not paid which ultimately considered me past due. XXXX doesn't seem to agree with fixing my credit file. Today, XX/XX/XXXX I got an automated call that hung up on me, I called back and a rep told me I need to pay additional fees despite I have not been late or had any declined checks since the one time in XXXX. XXXX is taking advantage of me, they can't explain why I'm still getting billed more fees and won't accept responsibility for giving me wrong info. I've tried to give them several opportunities to keep this right but they ignore me. I would've just paid the {$1600.00} to avoid this terrible situation and try ro refinance later but now my credit score has dropped very low because a rep at XXXX gave me wrong info, this is not fair. I feel like they are picking on me and mistreating me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Because I asked for validation of debt when I physically mailed certified letter to the creditor of the alleged debt posted on my report but there is no way to reach them as they deliberately put bad address. The credit bureau did not verify anything and just leave it. How come they put it is in dispute when it was not validated.

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 2020-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/20 I called my bank to dispute a charge from a buy here pay here transaction that took place on XX/XX/20 since I had returned the vehicle after the dealer refused to reach out and help me. I ended up involving the Attorney Generals Office and the DMV Inspectors office about this issue and have also had the chance to submit my evidence. Besides the day I called my bank to dispute the transactions and to periodically ask for updates my bank never called to ask for my evidence and took it to arbitration without ny knowledge or calling me for my evidence so I ended up losing my {$1800.00} deposit and the {$72.00} fee for using my card. I have since contacted the Attorney General the FTC and theXX/XX/XXXX and an Attorney and the Bond Company of the auto dealer to submit my evidence. I have tried several times to advise the bank I want to file a formal complaint and I keep getting emails asking to to reach out with questions and there is nothing more they can do. I am asking to file a formal complaint and for any other help or resources I can contact to prevent anyone else from dealing with this issue and to maybe to help any previous citozrns.

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 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
For nearly a year, I have been trying to use TransUnion 's website to freeze or unfreeze my credit file and submit disputes to them. I have not been able to login and do either of these tasks due to some sort of block on my credit file. I have had to freeze or unfreeze my credit file through a lengthy process over the phone that takes an hour or more each time I call. To initially place the security freeze, I had to send in the request through the mail. This is unacceptable because that process can take up to 30 days. If someone is in the process of stealing my identity, which has happened to me many times, I do not have 30 days to wait to place a security freeze. Due to this inconvenience, I have had to completely remove the security freeze from my file in order to avoid these unnecessary delays when I need to use my credit. 

I have tried calling their customer service for their website, and each time, they have been unable to assist me in removing this block from my online account. I am uncertain if the representatives are unable to ascertain the issue I am having or if they are merely not trained to fix this issue. Unfortunately, they have been unable to assist me, irrespective of the reason. I need to be able to access, maintain, freeze, unfreeze, and dispute with TransUnion just like everyone else. 

I have attached a screen shot of the message I receive every time I try to login to TransUnion 's website.

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 2020-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/15 I received 6 consecutive calls from Navy Federal in the span of 4 minutes. I was expecting to receive collection activity, but felt harassed by the excessive amount of calls literally back to back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: TN

Complaint narrative:
I would like for the CRA 's to remove the negative accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I was a joint owner on a checking account with my daughter at PNC bank. XX/XX/2020 she was scammed by a company causing an overdraft on her account of over XXXX. She filed necessary paperwork to have the scam investigate since it was her account and I had no part in the checks being received or deposited. On XX/XX/XXXX, at noon, my daughter and I had an appointment with Ms XXXX XXXX, PNC bank representative of XXXX XXXX branch to have my name removed from the account, since the account was opened when she was a minor. I had called another branch office on XXXX XXXX, to see what policy was to have name removed from the account and the person that answered the phone told me it would be no problem since the account was established when she was a minor. I asked for copies off the signed paperwork we signed and asked how long would it take to remove my name from the account. Ms XXXX XXXX told me that I did not need a copy and that I would receive something in the mail 3- 5 business days from the bank stating that my name was removed from the account. My daughter told her at that time that she would totally be responsible for the account. I also signed the log book when I entered the branch. Ms XXXX also asked me why was I taking my name off he account and I told her, did she need to ask. On XX/XX/2020 I was contacted from the recovery department of PNC regarding this matter of {$6000.00} deficit on the account, and I told the person that the account was no longer in my name and to contact me after she did her research. I went into another branch that day and was told all of my accounts were closed. I further proceeded to call PNC customer service and was told that I had to call on Monday -Friday between hours of XXXX to find out why my accounts were closed and that a letter and cashier check was sent out on XX/XX/2020 of which I have not received any correspondence since my daughter moved out in XX/XX/2020. Today, my daughter text me to tell me that the paperwork that we signed does not exist and that the bank has no record of the paperwork filed at PNC bank XXXX XXXX branch in MD on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: MA

Complaint narrative:
Equifax, continues to report my credit utilization outside of my billing date. My billing date is the XXXX of each month, yet, my usage was reported on the XXXX @ 16 % and XXXX @ 14 % of XXXX. WHY ARE THEY ALLOWED TO KEEP REPORTING MY ACTIVITY OUTSIDE OF MY BILLING CYCLE EVEN AFTER REPORTING THEM and XXXX  XXXX TO CFPB? this is a form of unethical practices, in addition to harassment, that needs to stop, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: FL

Complaint narrative:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this 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 2020-12-15 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: OH

Complaint narrative:
I have recently looked over my credit report and notice some fraudulent addresses on my credit report that need to be removed. 
The addresses are listed : XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX, XXXX, OH, 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 2020-12-16 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: NY

Complaint narrative:
IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

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 2020-12-16 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: NY

Complaint narrative:
IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am requesting a CREDIT BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies. I would like to request a security freeze placed on my report and request a PIN Code. I choose to opt-out of your disclosing future information until further notice including inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.

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 2020-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/2020 I used my newly opened Capital One checking account to send {$1500.00} by the transfer service, XXXX, through Capital one. My account showed the money was sent, but the recipient never received it. capital one was and is very difficult to contact, after wasting hours trying to get help ( all calls recorded ) i was only told to keep waiting, or transferred between useless and incompetent people. Capital one is taking too long to give me back money my family and I need to survive. Their inaction is causing us financial and medical issues. There is no one that can help and I can not afford for to keep waiting indefinitely for them to " look into it ''. Do something, anything, to earn your title as an organization involved in consumer protection.

Company response to consumer: Closed with explanation