vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have Disputed this Account the XXXX XXXX  Account is Inaccurate and Fraudulent Information reporting on my credit profile The dates and account status is inaccurate. I Am Seeking Litigation From This Account. XXXX XXXX  is still reporting miss leading information on my credit report. This account was sold to another company. So why is XXXX XXXX  steel reporting information about this 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 2021-03-13 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I made a reservation for travel with a company named XXXX XXXX XXXX  in the amount of {$3500.00} for XX/XX/2020. Given Covid we were unable to travel and due to merchant unresponsiveness filed a merchant dispute with American Express. Full amount was credited back to my account in XX/XX/2020 and was told to consider the settlement final within 69 days. 

Now, 6 months later American Express billed me back {$1900.00} after the matter was considered final by me and the merchant. Please help. American Express is not responding to this merchant dispute issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: ME

Complaint narrative:
Barclay 's sent me a letter dated XX/XX/21 that if I didn't use credit card my card within 30 days, the account would be closed due to inactivity. A review online of my account on XX/XX/21 showed the account had already been closed. After calling Barclays Customer Service the same day, I found out that they closed the account on XX/XX/21 and would make me reapply to have another card. The credit line on the card was {$13000.00}, this has now caused my utilization rate to increase significantly, impacting my credit score. The representative didn't appear to know how I could formally file a complaint with his company, except to have somebody call me. He certainly didn't seem to know how to log any CFPB complaints internally. It's unclear to me how a company can send a letter saying I have a certain number of days to do something and then take action prior to allowing the given timeframe for that to occur. They also took away any points I had accumulated by closing the card.

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 2021-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: PA

Complaint narrative:
I previously disputed with this company to provide me with my HIPPA release form that I signed to see where did I gave permission to this or other 3rd party company to have my medical records. They said they were not breaking any rules and I disagree it is a violations to my right for any 3rd party collections to even have my medical record and I will be reporting this HIPPA as a recommendation by my lawyers and will get ready to follow suit thereafter. 

On the breakdown fees it shows what they did to me and that's private and sensitive information that only my doctors and I should know but unfortunately you also have this information WITHOUT MY PERMISSION!! 

I want them to send me my HIPPA release form to see where does it say I gave permission to them to have my medical records so please provide a copy of my signature Asap. I will provide proof of documentation that I sent the company and will provide the certified Mail receipt with tracking number so you can review I feel very disappointed with this company and I'm ready to file a lawsuit if nothing changes

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
I have a credit card with FNB Omaha Bank, a limit of XXXX + On XXXX. XXXX I charged {$1300.00} mostly for an auto repair, a one-time charge. Payment has been made in full. XXXX dropped my score by XXXX points, and the bill is paid. I made a dispute their response below. 
Report Number : XXXX Date Generated : XX/XX/2021 Results Report Number : XXXX Date Generated : XX/XX/2021 FNB OMAHA Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

Results Report Number : XXXX Date Generated : XX/XX/2021 FNB OMAHA Account XXXX Your balance is the amount that you owe on an account. A high balance may have a negative impact on your Credit Score. 
Score Decrease Your FICO Score has decreased by XXXX points. XX/XX/2021 2021

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 2021-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Ive had American Express serve for years for me and my wife, the account was solely in my name. Well on Thursday XX/XX/XXXX i attempted to use my card at the Funeral parlor to purchase keepsake urns for my wifes family, My wife passed away XX/XX/XXXX at the age of XXXX. Well i called the number on the back of the card only to be told my account was locked, ( Wont give me a reason ) Wont give me my money, and is telling me in order to get an answer i have to MAIL a letter to Serve Customer Care. I got NO notice of it closing, they haven't sent me ANYTHING saying why, no email, text letter nothing. 
XXXX XXXX XXXX XXXX, GA XXXX Ive called 5 times because i was in aww that they can take my money, close my account and tell me to MAIL someone, seems odd if you ask me. I spoke to a supervisor named XXXX employee ID # XXXX. He told me the same thing and will not help. Friday XX/XX/XXXX i typed up a letter and sent it priority mail with tracking, i also have notified my local Attorney Generals office for help, emailed a local news source and filed a complaint with the XXXX. Everything i do is linked to that account, Stimulus, unemployment, taxes, bills. They left me in a bad spot at a bad time in my life when my wife passed away. This is not fair for an institution this big to just do what they are doing to me. Please help me. Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2021, I noticed that I had 13 transactions from that apparently had come from a website listed as XXXX XXXX on my bank statements. The total for these charges after whoever had used my card issued a small refund of {$100.00} was {$6300.00}. This could have been caused by any number of things as I had just gotten back from XXXX XXXX, Nevada the week before this happened, however I made sure my card was on me and in my wallet next to me at all times. It is possible someone used a skimming device of some sort. I filed a fraud claim with Bank of America the same day this happened. two months later and I called the bank again because they had retracted the credit they had given on the date of XX/XX/2021, stating that after investigation I was liable and they would not refund me. I would have tried contacting the merchant themselves, however they did not have a phone line, and the only way to get customer service was with an order number of which I do not have because I have personally never purchased from them.

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 2021-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have had my PayPal account for 20 years. I logged in on XX/XX/2021 and 2 minutes later I get a message saying my account has received permanent limitations. When I call to figure out whats the problem, they cant give me an explanation. I have not had and transactions since middle of XXXX. Their attitude is basically just oh well. This account has been important to me from the beginning and I have done my best over the years to make sure I dont do anything to warrant something like this and it happens anyways. The reason I even logged in that day was to get the info to have my social security check direct deposited to the account. 20 years means nothing to them apparently!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Conn's, Inc.
State: NM

Complaint narrative:
This company has contacted my employer, XXXX  in the past. I served as an operator at the time and was I did not owe, and had my personal information. When I did not answer, they left personal information with my coworkers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NM

Complaint narrative:
I have a collection with this company with the original credit being XXXX XXXX. I received a quote with XXXX  but was never insured through them to my knowledge.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: SC

Complaint narrative:
On XX/XX/2020 I attempted to use my Discover card and it declined. I assumed this was because I was in a different city shopping for my daugher 's birthday about an hour from home. What really was going on is that someone hacked my Discover account online, changed my address and contact information, and requested a new card be delivered to associated address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 

This is not my address and I do not have any affiliates with anyone in OH. My credit report reflects on XX/XX/2020 this address as an associated address and I would like it removed. I would also like any inquiries or charges around this time removed as well as it does not belong to me. I did report this issue to Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: MO

Complaint narrative:
I was charged 3 fraudulent transfers from my checking account to Xoom. 

I was then charged 80-100 fraudulent charges from my XXXX through my credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13 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: NJ

Complaint narrative:
Coinbase has changed their vault setup without notifying their users. 

Coinbase used to allow multiple vaults for the same cryptocurrency. Now they only allow one. I currently have three vaults. I can see my other two vaults and I can transfer bitcoin into them, but there is no way in the interface to access them and transfer bitcoin out of them. This is a bug on Coinbase interface. 

I currently have more than one bitcoin vault, the bitcoins that are in my other vaults are now frozen stuck. 

When I go to the vault to withdraw, there is no drop-down to choose my other vaults. It defaults to one vault. It will let me transfer bitcoin into the other vaults that are inaccessible, but I can not withdraw bitcoin from those vaults. 

I have created a case on XXXX Several attempts to speak to someone. I created a claim, no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX, I got a call threatening if I didn't call back they'd start legal proceedings. I called back and a lady said that I owed Wachovia/Wells Fargo about {$1500.00} from my old checking and savings account there. She could have said credit card debt, I'm not sure. 

I took my money out of Wachovia after its XXXX meltdown, so I presume the lady was talking about then or before. Almost 12 years after the event! I know I had no credit card then because I got the first credit card of my long life ( I'm now XXXX ) in about XXXX, from the XXXX XXXX XXXX. 

Nor do I see how I could have obtained {$1500.00} from XXXX any other way. When I moved my money no-one said anything about owing. Anyway, the women threatened me giving me my correct social security number and my current address. It felt like a mafia shakedown, especially given the perfidy of both Wachovia in its subprime bundled mortgage scam that helped bring down the world economy for so long, and Wells Fargo 's creation of many accounts not requested by their customers.

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 2021-03-13 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: SC

Complaint narrative:
On XX/XX/2020 I attempted to use my XXXX card and it declined. I assumed this was because I was in a different city shopping for my daugher 's birthday about an hour from home. What really was going on is that someone hacked my XXXX account online, changed my address and contact information, and requested a new card be delivered to associated address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 

This is not my address and I do not have any affiliates with anyone in OH. My credit report reflects on XX/XX/2020 this address as an associated address and I would like it removed. I would also like any inquiries or charges around this time removed as well as it does not belong to me. I did report this issue to Discover.

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 2021-03-13 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: KY

Complaint narrative:
I filed a dispute with Equifax. Mortgage was showing the last four years all payments were 120+ days late which dropped my score over 50 points. The error was corrected in the fact that the payment history was changed back to what it should be. Equifax refuses to give me the points back on me credit score. I have spoken to an agent and they told me basically it's not their problem and they won't give me the points back on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express Bluebird deleted and officially withheld my bank statement for card ending- XXXX. From XX/XX/2021 to XX/XX/2021 I am illegally missing my statement and transactions for that timeframe. I have proof because a was able to see my unemployment and now I cant look it up for those past weeks. Not through the app or the online browser. I printed back on the XXXX but all the transactions I needed to see arent on the copy I initially populated on the XXXX of XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: MN

Complaint narrative:
I have been trying to get this issue resolved since XX/XX/2020 and each time reaching out to this company thats reporting on my credit report which is XXXX XXXX XXXX I keep getting undeliverable mail back. The Credit bureaus claim this account is verifiable and have yet to send me any method of verification. This company is violating my rights according to the FCRA. This shouldnt even be on my report and also reporting inaccurate information.

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 2021-03-13 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: MN

Complaint narrative:
I recently accessed my credit report and seen that a car loan that wasnt supposed to be under my name is on my report. The loan was purchased by my ex and added me as a co-signer. I have tried numerous times to resolve this and to get it deleted and the company is refusing to honor to my request. They sent me the contract with his signature and mines and thats not even my signature. I was at work on the date and time of this purchase. And on another violation regarding my rights as a consumer they never marked any Credit reports in which they are supposed to within 30 days of the dispute. I sent the first letter certified and it was signed for on XX/XX/XXXX. I sent another letter on XX/XX/XXXX and they signed for this on XX/XX/XXXX and I have yet heard anything back or has the account been removed from my credit reports

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 2021-03-13 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: MN

Complaint narrative:
I recently accessed my credit report and seen that a car loan that wasnt supposed to be under my name is on my report. The loan was purchased by my ex and added me as a co-signer. I have tried numerous times to resolve this and to get it deleted and the company is refusing to honor to my request. They sent me the contract with his signature and mines and thats not even my signature. I was at work on the date and time of this purchase. And on another violation regarding my rights as a consumer they never marked any Credit reports in which they are supposed to within 30 days of the dispute. I sent the first letter certified and it was signed for on XX/XX/XXXX. I sent another letter on XX/XX/XXXX and they signed for this on XX/XX/XXXX and I have yet heard anything back or has the account been removed from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
For whatever reason, the store shows a temporary debit from XX/XX/28 for XXXX on my charge card I did not make or use. I've tried reaching both the store and synchrony, both blame the other and say there is nothing they can do.

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