vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: SC

Complaint narrative:
Chime bank has repeatedly lied to me about not having my deposits then shows me proof that they had them while lying that they didn't. They also altered my bank statement so it doesn't show the actual date they received my deposits. I understand that they have a time frame for releasing deposits but they advertise that they never hold them and that's a lie

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX XXXX XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
Last night, on XXXX, XX/XX/XXXX. Somebody hack into my square hey account in used my virtual card information to make purchases on multiple Website. I contacted square immediately after I was made aware of these transactions and while they were still pending. They said they would get back in touch with me shortly and make sure to inform all merchants involved about the fraudulent activity that occurred so they wouldnt process the transactions. Well, upon checking my account this morning on Monday, XX/XX/XXXX. Square and all partys involved approved of 12+ transactions, consisting of nearly {$4000.00} to be completed. I am considering filing a lawsuit on every party involved with the criminal activity that took place. I will make a decision regarding this shortly. All parties involved that have already been verified and approved the transactions include XXXX XXXXXXXX XXXX, SQUARE. All other parties involved but didnt approve the transactions or still pending include CURRENT FINANCIAL INSTITUTION, XXXX XXXX XXXX XXXX XXXX and XXXX. Possible parties that might be involved but have not been confirmed include XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 17 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I attempted to access my Robinhood account as normal and it said I had password wrong. I figured I had somehow forgotten after several times. 
When I used the reset password function I did not receive email from Robinhood as I should have. At this point I attempted to contact Robinhood customer support via telephone. All phone options are dead end so I began emailing. I got form response at first, after a week they said " the emails you are receiving about password change are probably another user who typed email wrong ''. Robinhood sent me an email address that I do not recognize and said that it was my email. I replied that it was not. Robinhood has sent form reply, saying they will get to it in 3 days. It has been almost a month. 
I have emailed almost every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Someone tried to use XXXX to gain {$3500.00} cash from me. They were able to verify all my important information such as my social security number, address, and date of birth.

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 2021-06-07 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: NC

Complaint narrative:
I submitted a dispute to have collection account deleted because their reporting this account from a third party vendor and by law Equifax can not report an account from a third party vendor only the original creditor and haven't deleted it, they deleted the other 2 with the same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: IA

Complaint narrative:
Ive reached out several times and summitted complaints regarding the inaccuracy of this account, its coming back verify. Sending me a copy of a bill isn't validating anything. I've reached out to XXXX XXXX  many of times and i was told they don't have assess to this account and it was sold so to a collection company, which XXXX is still report.But CFPB send me a email that their wasnt going to investigate. I spoken to some higher up and i received a email which I'm submitting for prove which he stated over the phone it was a mistake and he was submitting it to be removed and also a copy of my credit report which you can see the information is inaccuracy, XXXX XXXX removed the inaccurate account.

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 2021-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I got the CitiBank XXXX XXXX in XX/XX/XXXX due to a promation giving 50,000 miles. I remodel and resell houses so I make a lot of large purchases. The probelm began when I purchased a house in XXXX and wanted to build miles so I charged to the XXXX XXXX Since it was just opened, my credit limit was only {$7500.00}. When I got near that amount, I would pay off the card so I could continue to use it. 
The issue is that Citibank " holds '' the payment for 10 days although this is an electronic transfer payment directly from a bank account. I have an XXXX, XXXX XXXX and XXXX cards ; none of them do this. You pay by the time of day stated and it's posted that night. I thought the " holding '' period seemed convenient for them as the statement closed on XX/XX/XXXX so they would have to have it posted before the next bill went out. Maybe, maybe not but I couldn't ignore it. 
I called several times about this. The last time was after I made a payment for {$7800.00} from a XXXXXXXX XXXX account that posted in my account on XX/XX/XXXX. 
( XX/XX/XXXX XXXX - XXXX XXXX Credited {$7800.00} ) When it had not posted by the XX/XX/XXXX, I called and was told it had to clear to be sure the money was in my account. I countered that if the money wasn't in my account, they wouldn't have paid it. He then said if I paid by debit card it would clear immediately ; well, that is basically what I did. Payment from the bank is exactly like using a debit card remotely since it was impossible to swipe a bank card to pay it. We had additional conversation about it including that it wouldn't " clear '' until XX/XX/XXXX. This sounded ridiculous and just wrong. I wanted to use the card to purchase cabinets but couldn't so used another card. I just wanted the miles with XXXX. I called again on XX/XX/XXXX as it still had not been processed even though it was taken from my bank account on XX/XX/XXXX. Again, I was told multiple reasons why " holding '' was their policy and it would not clear until XX/XX/XXXX. At that point, I closed the account as it was of no use to me and their practice of " holding '' funds for such an extended period seemed illegal to me. This has to violate some banking regulation! They are holding people 's money and using it for extended periods of time before processing payments. That must add up to millions of dollars they can profit using other people 's money without permission while the customer has no access to it. Thank you for anything you can do about this. It won't help me but it can certainly stop them from withholding money from consumers while they make use of their money.

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 2021-06-07 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: IA

Complaint narrative:
Ive reached out several times and summitted complaints regarding the inaccuracy of this account, its coming back verify. Sending me a copy of a bill isn't validating anything. I've reached out to XXXX XXXX many of times and i was told they don't have assess to this account and it was sold so to a collection company, which XXXX is still report.But CFPB send me a email that their wasnt going to investigate. I spoken to some higher up and i received a email which I'm submitting for prove which he stated over the phone it was a mistake and he was submitting it to be removed and also a copy of my credit report which you can see the information is inaccuracy, XXXX XXXX removed the inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: DISCOVER BANK
State: NJ

Complaint narrative:
The following accounts are not mine and i need them to be removed from my XXXX credit reporting agencies. 

1. Identity Theft DISCOVER FIN SVCS LLC XXXX This is not mine 2. Identity Theft XXXX  XXXX XXXX  XXXX XXXX XXXX This is not mine 3. Identity Theft XXXX XXXX XXXXXXXX XXXX This is not mine 4. Identity Theft XXXX XXXX This is not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The following accounts are not mine and i need them to be removed from my 3 credit reporting agencies. 

1. Identity Theft XXXX  XXXX XXXX XXXX XXXX This is not mine 2. Identity Theft CAPITAL ONE BANK USA N XXXX This is not mine 3. Identity Theft XXXX XXXX XXXX  XXXX This is not mine 4. Identity Theft XXXX  XXXX This is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The following accounts are not mine and i need them to be removed from my XXXX credit reporting agencies. 

1. Identity Theft XXXX XXXX  XXXX XXXX XXXX This is not mine 2. Identity Theft XXXX XXXX XXXX  XXXX XXXX XXXX This is not mine XXXX. Identity Theft BK OF AMER XXXX This is not mine 4. Identity Theft XXXX XXXX This is not mine

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 2021-06-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, Equifax and XXXX are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ORG GC GP BUYER, LLC
State: NJ

Complaint narrative:
They keep calling me to get in contact with my mom. At this point they are harassing me I literally receive XXXX to XXXX calls a day. They keep asking for my mom and I dont even live with my mom. This is considered harassment and I have no involvement with this debt. They call before XXXX XXXX am or even XXXX am asking for me mom when I have repeatedly told them I do not live with her.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07 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:
As of XX/XX/2021 Experian continues to report an inaccurate account on my credit report from XXXX XXXX. I have written several letters in an attempt to correct this issue and no progress has been made. At this time, no information or proof has been furnished to establish that this debt belongs to me. This incorrect information is severally effecting my credit score at this time.

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 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: GA

Complaint narrative:
The company is reporting accounts on my credit report that do 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 explanation
Consumer complaint received 2021-06-07 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: GA

Complaint narrative:
The company is reporting accounts on my credit report that do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX is attempting to charge me for an {$200.00} insurance bill that does NOT belong to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/2021, PayPal closed my account as part of Reference ID : XXXX for what they determine to be a violation of their user agreement. At this time, I was informed that they would be holding the {$20000.00} currently in my account for up to 180 days. At this time I filed a CFPB complaint, which PayPal responded to and said their decision was final and that my money would be released on XX/XX/2021. 

Since this time, PayPal has, unprompted by me, reviewed the account again, and has issued me a second shutdown notice, Reference ID : XXXX, and told me that my money would be held for 180 days ( presumably from this new date ). 

They have now reset the clock on the hold, and can presumably do this indefinitely with no recourse on my end. This amounts to theft. The money in my account is there as a result of a refund that arrived the day before I was shut down, and is not even related to the reason they have stated for closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX I deposited 2 checks via online. One from my work place, aka XXXX XXXX for XXXX and another from my grandfather for XXXX. They placed a hold on my checks and said that it was fraudulent. Which it isnt. Clearly both checks are made out to me and they have my name on them. They refuse to give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
Binance.US has locked me out of my account for absolutely zero reason. They have no customer support number, and they will not get back to me after writing several tickets. 

They essentially are holding my money hostage and wont reply. I cant do anything and Im furious I cant get my money out. 

After looking on XXXX I can now see this issue is VERY common and happens to a lot of people who still havent had any help from the company. Some people who have {$5000.00} basically stolen from them.

Company response to consumer: Closed with explanation