vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-13 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I purchased tickets to attend XXXX XXXX  performing on XX/XX/year> at The XXXX XXXX, as advertised to me in a XXXX email recieved on XX/XX/year>. I realized this to be false when I noticed the bands XXXX posted their tour and XXXX, The XXXX XXXX venue wasnt included in XXXX XXXXXXXX band tour, and they were performing in XXXX on XX/XX/year>. In addition, I received an email reminding me of the concert, however they did not mention XXXX XXXX in the line up, just XXXX XXXX and XXXX XXXX, which was not mentioned in the email from XXXX announcing XXXX XXXX. I was a victim of false advertisement through the venue and of XXXX. So on XX/XX/year>, I contacted XXXX in which they resolved they couldnt refund me the amount of {$43.00} for the falsely advertised concert on their behalf. I then contacted Capital One on XX/XX/year>, in which they resolved the case today, on XXXX XXXX as invalid and I was charged the full amount of {$43.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CEX.IO CORP.
State: CA

Complaint narrative:
On the morning of XX/XX/year> I decided to purchase XXXX from CEX.IO in the amount of {$190.00} ( what was charged to me ) and in the process of that transaction being placed through the website seemed to have some type of an issue and hung up while displaying a server issue on the screen. When the site worked again after being down it actually completed my transaction but only credited me CASH ( USD ) rather than litecoin. 

Since that time, as seen in the attatchment, the net amount given to me of {$180.00} ( which was actually much less than what the fees indicated my net amount would be ) is untouchable in my account. It does not allow me to send the funds, convert the funds, or withdraw the funds. 

Since that morning I have attempted to contact their " live chat service '' multiple times a day with no resonse coming back. In addition, I contacted their social media page which actually answered me multiple times but told me that I had to wait until support got to my ticket. 

Each day when i go into this so called " live chat service '' it keeps saying they will be back next day, or in a few hours or a different type of categorization of when they will return. This is not a " LIVE CHAT SERVICE '' and they chose to respond to social media inquiries but don't invest in the resources to answer a customer that they are holding their money. 

Currently the money is being held hostage by CEX in addition to the fact that I have 5 years of transactions with them where they charged me higher than advertised fees. So if a transaction says {$7.00} in fees potentially i am getting charged {$15.00} or so in fees ( nearly double every time ). So not only do they hold your money without regard, but they charge you unadvertised fees which add up to alot over time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
Hi my name is XXXX XXXX and I am a XXXX XXXX XXXX male I keep trying to tell these people that I didnt create those accounts I didnt even know what credit was at the time I have had family members ruin my credit because I didnt know anything about credit I have nothing that Im debt XXXX $ for it was not me and the companys wont dispute them when Im constantly telling them I have no knowledge of this account thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I will upload a prepared letter and documentation. It has to do with XXXX  parent 's mortgage and trying to be able to bring payments/account current to avoid foreclosure.

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 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 

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 non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: TX

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. 

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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I opened an online savings account with BMOAlto on XXXX XXXX. I funded the accounts and started to link my other bank accounts. On XX/XX/year> I received an email from the fraud prevention department that they placed my account on hold. I contacted them on XX/XX/year> and they requested a copy of my driver 's license and statements for my linked accounts. I provided the info on XX/XX/year>. I have reached out to them several times to try to resolve and I was promissed on XX/XX/year> by end of day I would have this resolved. BMOAlto takes no urgency in resolving disputes and no common sense on what their fraud department is reviewing.

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 2024-07-13 00:00:00
Product: Credit reporting 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 check my credit report to see this account that does not belong to 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 non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I did a balance transfer of XXXX $ from discover to Citi. It was a 0 % until XXXX. On XXXX I was penalized XXXX $ for interest charges on purchases which I was lead to believe was the same date of XX/XX/XXXX. Since, I had to do another transfer back to discover and now have XXXX balance on Citi and was billed XXXX $ for some reason.

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 2024-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDICO. INC
State: SD

Complaint narrative:
On XX/XX/XXXX I have received a letter on my name from the XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, ND XXXX ), stating that they are trying to collect a debt I supposedly owe to XXXX XXXX in the amount of {$320.00} for services on XX/XX/XXXX. I responded back to XXXX XXXX letter advising them it's not my debt, I did not receive any medical services on that date and I am disputing that my name is attached to that debt. I have requested the additional documents proofing that I have received a services but did not pay for them. Otherwise, it's sound very deceptive. 
I also contacted the original creditor XXXX XXXX regarding this issue and received a reply confirming it's not my debt but it's my deceased husband debt who passed away back in XXXX. 
Apparently the XXXX XXXX wants me to clear deceased 's debt by paying them from my personal funds.That 's why they changed deceased ' name on my name as a surviving spouse without any legitimate reasons as I think of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
I recently received a copy of my credit report and noticed I had fraudulent accounts on my report and inquiries.They are being reported by third party companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Continental Services Group, Inc. d/b/a ConServe
State: IN

Complaint narrative:
I recently received a copy of my credit report and noticed I had fraudulent accounts on my report and inquiries.They are being reported by third party companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, {$1200.00} was stolen from my joint checking acct that I share with my husband. 
Earlier that day we had reason to believe our account had been compromised. Once discovered, we immediately went to the Chase bank branch on XXXX and XXXX to personally have our acct closed and locked so any unauthorized access would be denied. A new acct was then opened, and all funds transferred from the old acct. The bank assured us that these steps would protect our funds. However, within minutes, {$1200.00} was stolen from our new acct. This amount comprised 2 wire transfers, one for {$500.00} at XXXX and one for {$650.00} at XXXX. including the transaction fees of {$50.00}. These stolen funds were wired via a XXXX XXXX bank in XXXX XXXX  XXXX into the acct of XXXX XXXX. We do not know any person with this name and we do not have any accounts at XXXX XXXX. 

Even though Chase manager, XXXX XXXX , processed these transactions, it was apparent that our new acct had not been secured and the thieves were able to access our acct without our knowledge. Chase has refused to reimburse us for the fraud and have in fact denied our claim citing it as a scam. The bank explained that fraud is defined as " unauthorized access to an account without the account holders knowledge or consent '' and defined a scam as " account holders being deceived into granting access to funds ''. By their own definition, Chase bank is aware that what occurred to our acct was fraud and not a scam, yet they refuse to reimburse us for the funds stolen. 
Additionally, on the following day, XX/XX/year>, Chase sent a text verification to my husband 's phone confirming that the bank itself spoke to the fraudsters, thus granting access and enabling the criminal transaction. 
Now Chase continues to tell me that WE gave them access by authorizing the wire transfer, and that couldn't be further from the truth. It seems as though they are using every excuse they can to blame us and keep our money. 

I have talked to several people in Chase fraud dept. On XX/XX/year>, I spoke to XXXX at XXXX ext XXXX and I've spoken to him several times after that date. I spoke to XXXX on XXXX, XXXX, 2024. I've also spoken with XXXX in the fraud dept. and many others whose names I can't remember. All have not been helpful and told me that my claim has been denied. The only person who has helped me in all this, including filing complaints in my behalf, etc... is XXXX at the Chase bank branch on XXXX and XXXX We sincerely hope you can help in this matter, as {$1200.00} is a substantial amount that we can not afford to lose. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting 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: FL

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 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2024-07-13 00:00:00
Product: Credit reporting 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:
XXXX : XXXX XXXX XXXX Addres : XXXX XXXX XXXX zip cod XXXX DOB : XXXX XXXX Last XXXX of XXXX : XXXX Date : XX/XX/XXXX Bureau name : XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX Recently : I did investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S code 1681e ( b ) Accuracy of reports whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. code 1681 ( 5 ) treatment of inaccurate or unreliable information ( A ) general it, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting Agency shall ( XXXX XXXX  ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately ; Account XXXX XXXX XXXX account # XXXX this account is being reported inaccurately, please remove this from my report credit, immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I was solicited by someone presenting themselves as representatives of XXXX XXXX XXXX XXXX XXXX  ( later changed to XXXX XXXX XXXX XXXX to invest money in financial services or products. This investment turned out to be unsuccessful and/or fraudulent and I lost a substantial amount of money. Later, I was again solicited by a person presenting himself as XXXX XXXX as a representative of XXXX XXXX, to transfer amounts for the recovery of the previously lost investment. Such persons explained to me that the funds that were previously lost to the web-platform XXXX XXXX XXXX XXXX XXXX are now recovered and available for refund. Eventually, these claims turned to be fraud too. All payments to both Merchants were made in the way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial broker/ recovery service. All such transfers were made through my wallet hosted by Coinbase. I consider the beneficiary wallets being an integral part of the fraudulent scheme behind both XXXX XXXX XXXX XXXX I also know that under the so called travel rule, virtual assets services providers ( XXXX ) are put under certain obligations, which include collection and keeping record of information about the beneficiary wallets, especially about if the beneficiary wallet is hosted ( including which is the hosting exchange ) and/or if the beneficiary wallet is un hosted XXXX Based upon the understanding that Coinbase is acting compliant and will provide the due care towards its own wallet-holders ( such as me ), I have sent a relevant request for provision of information ( Attachment XXXX/02 Letter of Demand to Coinbase ). Such letter was solely based upon the assumption that : ( a ) Coinbase should have collected the requested information as a part of their regulatory obligations ( if it has acted XXXX compliant as it declares and advertises ) ; ( b ) neither part of the requested information requested is considered confidential and is not protected under any law ( it does not qualify under any rules as personal information ) ; and ( c ) I have justified legal interest to have knowledge about the beneficiary wallet holder and about the crypto-exchanges that possibly hosted wallets, to which I made transactions. As a matter of fact, said letter is requesting information ONLY about the name of the beneficiary person and the location ( hosting entities ) of the beneficiary wallets, where I have transferred crypto from my Coinbase hosted wallet. It is based upon the travel rule requirements imposed on XXXX XXXX XXXX UPDATED GUIDANCE FOR A RISK-BASEDAPPROACH / VIRTUAL ASSETS AND VIRTUAL ASSET SERVICE PROVIDERS ( v. XXXX  ). With slight deviations in the thresholds and the required information to be recorded, similar regulations are adopted by XXXX, XXXX and XXXX. Unfortunately, Coinbase failed to provide a repose to my justified request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
Hi my name is XXXX XXXX and I am a XXXX XXXX XXXX male I keep trying to tell these people that I didnt create those accounts I didnt even know what credit was at the time I have had family members ruin my credit because I didnt know anything about credit I have nothing that Im debt XXXX $ for it was not me and the companys wont dispute them when Im constantly telling them I have no knowledge of this account thank you.

Company response to consumer: Closed with explanation