vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I called capital one to close my account because they kept marking me as fraudulent and making me jump through hoops to use my card. They refused to close my account and refused to let me apply my points. After multiple refusals to close my account and apply my rewards someone finally closed it without advising me that doing so would cancel my reward points I was attempting to apply. The situation that caused this is capital one put my account on fraud alert three times in a row for the same charge. The first two times I jumped through their hoops and they told me to go make the purchase after clearing it. I did so and they blocked me again, escalating thier demands to verify my identity. Why would they tell me to make a purchase just to block me!? Eventually the state the only way for me to clear the account is to send a copy of my ID to them. At this juncture I paid the card off, except the reward amount I was expecting to apply, and repeatedly tried to close my account. They refused to apply my rewards and close the account repeatedly and were intentionally difficult. My other credit card with them has been working the whole time. One of their reps said my social security could have been hacked so they cant use that. But on my bank account and other credit card they were allowing normal validation methods and didnt need my ID. Lastly I called to let them know I got their letter threatening to close my account for cursing at them for lying to me and being intentionally deceitful. The representative refused to transfer me to a supervisor. She indicated she wasnt validated and couldnt transfer me and then started giving out PII. She then told me I am placing you on timeout hold when I pointed this out. I dont know what kind of company thinks they can put their banking clients in time out because they dont want to get a supervisor. Not a company I ever want to give my money to. Absolutely garbage!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Trans Union has violated my civil rights under 15 USC 1681 in accordance with the Fair Credit Reporting Act, account XXXX XXXX acct # XXXX 15 USC 1681 section 602 A states I have a right to privacy, 15 USC 1681 section 604 A section 2 It states a consumer reporting agency can not furnish a account without written instructions

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 2022-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: CA

Complaint narrative:
I was a victim of identity theft earlier this year and already disputed some charges with XXXX due to new open accounts under my name. I thought everything was cleared up but I checked today and I have this new account pending saying im under collections since XXXX but I never signed up for anything. The company is registered in XXXX  and I live in XXXX so it does not make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: FL

Complaint narrative:
I have reached out to the credit reporting agency about a dismissed bankruptcy on my account. It states its from the US BKPT CT XXXX XXXXXXXX XXXX. This public record is inaccurate and I disputed it and the findings was the credit bureau received from XXXX XXXX. I reached out to the court to dispute and they advised they do not report or subscribe to the credit bureaus or have an open case in my name.

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 2022-08-24 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:
I have reached out to the credit reporting agency about a dismissed bankruptcy on my account. It states its from the US BKPT CT XXXX XXXXXXXX XXXX. This public record is inaccurate and I disputed it and the findings was the credit bureau received from XXXX XXXX. I reached out to the court to dispute and they advised they do not report or subscribe to the credit bureaus or have an open case in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
It has been brought to my attention that XXXX XXXX XXXXXXXX has listed Suspected Fraudulent Activity on my ChexSystems file, dated XX/XX/2019. To my knowledge, I have never had Suspected Fraudulent Activity with XXXX XXXX XXXXXXXX. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. 

Specifically, I am requesting full validation from XXXX XXXX XXXX including copies of any documentation associated with this activity which bear my signature. 
In the absence of such documentation, I request that this be permanently removed from my ChexSystems report. 

For your records, my contact information is as follows : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX 
XXXX, Texas 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 2022-08-25 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:
on XX/XX/2022 i summited dispute with all the credit reporting agencies in regards to 3 open accounts on my credit report these accounts don't belong to me and is showing on my credit report. i have sent them information about my account with a ftc report stating that these accounts should be removed. they fail to investigate and remove these account. i have called to try to get this issues resolved but i was hung up on by three different rep and 1 supervisor this is not right I'm a single  mother trying to get a place to stay for me and my child.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
I was driving home from XXXX XXXX XXXX  and I was called by supposed " XXXX XXXX '' ( who I bank with ) and they asked if I had been trying to send money to someone through Zelle. I had not.. I had no access to a computer since I was driving. They told me my account had fraudulent charges and then told me one of my checking accounts had to be closed because of the fraudulent activity. ( I had XXXX checking accounts ) They then had me send the money to confirm my identity to myself through Zelle to a phone number and said the money would get sent back to me once my identity was confirmed. Next, they said they would send me an email to reset my banking account. I never got an email. I called my bank to check on it and they said there was no record of anyone calling me and has heard of several people getting scammed through Zelle with this same fraud. I have tried multiple times with my bank to get my money back, but they say Zelle is a third party company and they can't do anything about it. {$1400.00} was stolen from me. 

The contact info for the person I sent my money to is XXXX XXXX. I've called the number and asked for my money back and she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
This is for coinbase.com My account is under the email XXXX I sold my bitcoin virtual currency for {$770.00}. It now reflects in the USD balance but now I am unable to withdraw it to my bank account. Coinbase support is utterly useless. Please help me get my money back. I have paid a lot in fee to cash out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XXXX XXXX Synchrony Bank issued a complaint in the District Court For XXXX XXXX XXXX. Synchrony Bank stated that I was served a summons. This is incorrect. I was not served. The complaint is for an alleged debt. I have not been able to dispute this debt yet Synchrony Bank is suing me for the alleged debt. XX/XX/2022 I sent a Cease and Desist via certified mail.

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 2022-08-24 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:
XXXX and Equifax has me listed as N/A when lenders are trying to verify my identity. When I log into my account with both credit agencies I am unable to see any of my credit information. I have extensive credit history. XXXX admits the problem is on their end and that it would take a week to merge my files. My files are now merged and I am still unable to view any information to dispute. After numerous calls to resolve this issue, I am still left unable to access my credit file and lenders are currently not able to verify my credit history. I have sent Equifax my personal documents to verify my identity as they recommended. To date I am still unable to view my credit profile online and lenders are not able to verify my credit history. I dont know what else to do to regain my credit history. This is affecting my ability to secure housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On Friday, XX/XX/XXXX, I opened an account with Bank of America with a check in the amount of {$5300.00}. The check was a distribution from my Roth IRA written out from XXXX XXXX and drawn against XXXX XXXX. 

On Saturday, XX/XX/XXXX, I could no longer access the account. 

Upon contacting Bank of America on Monday, XX/XX/XXXX, I was informed that the XXXX XXXX had flagged the checked as counterfeit and that Bank of America was taken the action to close the account. At this time, the account had {$2100.00} in it. 

I immediately contacted XXXX XXXX and informed them of the situation. They, in turn, had contacted XXXX XXXX to determine what had happened. XXXX XXXX called me on XX/XX/XXXX to inform me that XXXX XXXX had NOT deemed the check counterfeit. They had cashed the check and provided the funds to Bank of America. 

On Wednesday, XX/XX/XXXX, I called Bank of America to inform them of the information from both XXXX XXXX and XXXX XXXX. Bank of America informed me that they wanted XXXX XXXX to tell XXXX XXXX to request a " return of funds '' from Bank of America to XXXX XXXX for the remaining {$2100.00}. Bank of America was not going to reopen my account and they were waiting for XXXX XXXX to return the " counterfeit check ''. 

On Wednesday, XX/XX/XXXX, I called XXXX XXXX to inform them of Bank of America 's request. XXXX XXXX requested that Bank of America provide them said request in writing so that they could look into what was being asked. I called Bank of America to request the information be faxed to XXXX XXXX in writing. Bank of America refused to do this. 

On Thursday, XX/XX/XXXX, I called Bank of America to figure out what exactly we could do to release the {$2100.00} currently in their possession. They informed me that the Bank of America Fraud Department would open an investigation into the circumstances of my account closing and the remaining money. I was told it would be five business days to complete the investigation. 

On Wednesday, XX/XX/XXXX, I received a letter ( date XX/XX/2022 ) from Bank of America informing me that they decided to close my account. I also received a letter form XXXX that they received negative information about an account I am associated with ( assuming this to be the Bank of America account ). I called Bank of America to inquire about the status of the investigation since it had been almost 3 weeks. I was informed that there had been no status updates on the investigations and that there was no time line to start the investigation.

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 2022-08-24 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: OH

Complaint narrative:
Yes, on XX/XX/2021 collection item number XXXX that was placed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX on me for the amount of {$1400.00} was paid in full. I have the collection letter to put in this complaint. I found the collection on my XXXX report along with them using both the name and initials on two separate claims on XXXX. When I disputed that XXXX was taken off entirely because they did not report to XXXX the fact that put a reported account into collections as well. 

A short time later I found XXXX once again on my Transunion report, and I made contact with them telling them I paid the debt thru a collection agency called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX is their number. Anyways XXXXI told me they had a right to still report my debt. I asked them to please at least mark it paid account. They told me no. So I went to Transunion and disputed that XXXX  account to find them sending many decisions based on something other than what I was informing them about the payment thru XXXX XXXX XXXX XXXX XXXX 

Please help me get this resolved. Every time I contact them a young child-sounding person is telling me what I need to do. I do exactly what I told you before in this submission. The attachment to this letter shows my attempt and how discussed I have become over trying to dispute this matter for nearly two years. Please help right away. I'm sick of seeing it.

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 2022-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have by way of mail, phone, CFPB tried to get PRA to cease all unlawful collection efforts, and to cease unllawfuly furnishing my private information to credit reporting agencies. PRA  has practiced this deception for months! Portfolio Recovery Associates has used abusive, unfair and deceptive practices in an attempt to collect a debt in which I do NOT owe, violating 15 USC 1692e. PRA has caused my telephone to ring multiple times violating 15 USC 1692d, harassing me. PRA has NOT provided ANY substantial proof that I owe them a debt. PRA has NOT provided ANY substantial proof that I owe a debt to XXXX XXXX XXXX  in which they have right to collect from me.PRA indeed has admitted to conspiring with with XXXX XXXX XXXX  to injure, oppress, intimidate me in my enjoyment of my right of privacy and my XXXX Amendment right, violating 18 USC 241. This is evidenced in PRA response in CFPB Complaint XXXX. PRA alleged that through the unlawful purchase of my private information, from XXXX XXXX Bank that PRA has a right to collect a debt from me, in which PRA paid for, in which they can't verify belongs to me, a debt in which XXXX XXXX Bank admitted can NOT verify, while ignoring federal and state laws to do so? Please me assist as many consumers are affected by the extremely predatorial PRA! PRA has violated many of my rights! PLEASE SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I saw that there was a large withdrawal made from my Citibank savings account to a XXXX XXXX account. I do not have an account with XXXX XXXX. I called Citibank on Wednesday, XX/XX/XXXX to file a complaint and they said they would start an investigation. There has been a credit in my account for the amount withdrawn and I am waiting on the pending results of the investigation.

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 2022-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have opened a new business bank account with citi I made to 2 deposits one for XXXX in cash and a cashiers check of XXXX from XXXX XXXX my old bank.Since this account was now open I was changing my bank to citi from XXXX XXXX but citi fraud department is now closing it because my past history with another bank a bad check was deposited that wasnt me and all the money I deposited is stuck and theyre saying I have to wait 30-60 days because they have to verify the check I deposited but it was a cashiers checks and cash deposit so why cant I just take the money out now and citi bank closes the account they wont let me that was all my money and I cant access it Im stressed out and fill XXXX right now can I please get help and get my funds back thats mine I need citi bank to unrestrict the account asap Im struggling with my bills and cant do anything all of my funds are in that 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 2022-08-24 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:
i dont and never had a XXXX XXXX XXXX. it is now showing in collections on my credit report

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 2022-08-24 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:
i dont and never had a XXXX XXXX account. it is now showing in collections on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: GA

Complaint narrative:
i dont and never had a XXXX XXXX XXXX. it is now showing in collections on my credit report

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 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have violated my rights. 
15 USC 1681 Section 602, states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.

I demand that all late payments indicated on both accounts are to be updated as Never Late 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 2022-08-24 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: FL

Complaint narrative:
I have reached out to the credit reporting agency about a dismissed bankruptcy on my account. It states its from the US BKPT CT XXXX XXXX XXXX. This public record is inaccurate and I disputed it and the findings was the credit bureau received from XXXX XXXX. I reached out to the court to dispute and they advised they do not report or subscribe to the credit bureaus or have an open case in my name

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