vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CHARLES SCHWAB CORPORATION, THE

Complaint narrative:
Hello, I was searching on XXXX XXXX for an apartment rental. I discussed over email a potential apartment for rent. I received a passport photo from the supposed landlord. After discussion, I decided to go through with the apartment. The man named " XXXX XXXX '' and I spoke also over XXXX  as well. He messaged me that a XXXX link was sent to me via email to go through the details and continue with payment. Prior, continued to tell me over email that he would be using XXXX to ensure his safety and mine. I continued with the link and was directed to send a bank transfer to a XXXX account through the application XXXX. I foolishly continued and processed the payment on XXXX XXXX, 2021. Immediately after I even received an invoice confirmation. About 2 days go by and I begin to become suspicous, finally. I realize then I have been part of a scam this entire time. First thing I did was call my bank and emailed XXXX. XXXX directed me to call my bank after I sent them documentation etc. I recieved a XXXX provisional deposit into my account. At this point, I believed that my bank had disputed my claim and returned the money back to me on XXXX XXXX. At this moment, I stopped the process of filing a report to the XXXX police department. As, I have been residing in XXXX since the end of XXXX. Unfortunately, on XX/XX/2021 a letter from the dispute team told me they reversed the payment because I was responsible for sending the money. This I already knew and had been in contact with Charles schwab customer service employees who were aware of this as well. I was advised to upload additional documents to Charles Schwab. I spoke with 3 more Charles Schwab customer service employees, which I repeated my story and recieved misleading information regarding the dispute process about my case. It was not until the 4th employee, that I was informed that I had to be contacting XXXX the third party app to dispute this payment. on XX/XX/XXXX, The employee told me that they were not able to give me my money because the scam was not considered fraud. I am very much destroyed by this back and forth and lingering dispute. I am a XXXX, have many XXXX  loans, and financially have been supporting myself for XXXX  years. I am XXXX. I understand I was being naive and not meticulous about every detail with the scammer. In addition to all of this, the scammer hacked into my XXXX and uploaded fake XXXX listings on my behalf. I immediately deleted these and changed my password to my XXXX. Thank you for reading my email and happy holidays.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021, I submitted a complaint due to the fact that my original dispute with Experian was being ignored since my original dispute date of XXXX XXXX. It took over 90 days for them to respond to my dispute, which should have resulted in the disputed inaccurate items being deleted from my consumer report permanently. However, the accounts are still on my report with no document evidence from the investigation that was made. An investigative report should be done with personal interviews and Experian FAILED to accurately investigate the accounts and provide the document evidence from the investigation. I need these inaccurate and unauthorized accounts removed from my credit file IMMEDIATELY because it is hurting my chances with getting a mortgage, which is help ruin the banking system which in turn ruins the economy!

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 2021-12-23 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: OH

Complaint narrative:
I have called EQUIFAX several times trying to get resolution of a dispute. I was professional and I am not an irate type of person. It was extremely disappointing to have several people either hang up or transfer me to another person without my knowledge. I was even hung up on my a supervisor when I was going to quote the law. I am disputing items on my credit report based on 15 U.S. Code 1681a under 2B in exclusions. I demand these items be removed! I have also sent another complaint thru the CFPB. Confirmation XXXX. 

This ORGANIZATION WASTED HOURS OF MY TIME AND WAS VERY UNPROFESSIONAL! I DEMAND MY CREDIT REPORT BE CORRECTED AT ONCE! I HAVE DISPUTES FROM XXXX AND XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/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 non-monetary relief
Consumer complaint received 2021-12-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX-2021, I attempted to close my Best Buy Credit Card because of non-use & I already had a Citibank Credit Card, which this seemed to duplicate. They listed a charge for the continued 'XXXX XXXX  ' service, which I hadn't used in at least 10 years. I was told to call their XXXX XXXX service, to remove this, because their Billing Department was, somehow, separate, and I was given a special number. I called and this Representative was able to ZERO my Account, with a small Fee of {$.00} ( cents ), she couldn't remove. for undetermined reasons. I VERIFIED that this was ALL O owed & was assured I would receive NO further Billing, after payment. On XX/XX/XXXX2021, I received a Bill from Best Buy Credit Card, that they were charging me a service Fee of {$2.00}, the Charge they are making against this CLOSED Account seems to be dated XX/XX/XXXX2021, which includes {$.00} ( cents ) of INTEREST on a purchase, not detailed, nor product that was gained/lost/ When I called to dispute this, I finally spoke to a Manager AT the Billing Department and was told he couldn't remove the charge and I would, again, have to call another Department. I was told by this Manager, I would have my good Credit, lowered if I refused payment. This is nothing less than Fraud and terrible Business practice, PLEASE help!

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 2021-12-23 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: OneMain Finance Corporation
State: TX

Complaint narrative:
Onemain ran my credit after telling me I was approved and when I get to the office I am denied. They did this several times on my report. I have already acquired a lian with them in XXXX of this year. Now I have 5 hard inquiries on my report from them. Miss use of consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I CALLED XXXX, SPOKE TO SOMEONE NAME XXXX XXXX AND WHAT HE SAID XXXX SENSE TO ME AT ALL, HE WANTED ME TO GO TO MY COMPUTER AND GO TO THE SEARCH BAR AND TYPE IN INFORMATION IN WHICH I REFUSED. 

I RECEIVED AN E-MAIL FROM PAYPAL ABOUT A BITCOIN PURCHASE THAT I WAS NOT AWARE OF FOR $ XXXX. ORDER # XXXX, ON XXXX XX/XX/2021, IT DID NOT PURCHASE ANYTHING AND DO NOT KNOW WHAT BITCOIN IS. 

I TOLD HIM THAT SHE WAS A FRAUD AND WOULD REPORT HIM AND THE NUMBER IN WHICH I HAD SPOKEN TO HIM ON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX my Coinbase account was emptied. I opened the account in XXXX and never touched it for years. In XX/XX/XXXX I was contacted by XXXX of XXXX as agents for Coinbase. They offered to help me to move funds in my account to increase my earnings. XXXX XXXX was my contact and he provided me with almost daily information on my account including graphs showing how my funds were increasing. At his suggestion I made XXXX {$10000.00} transfers to Coinbase between XXXX and XX/XX/XXXX, with the last one taking place on XX/XX/XXXX. On XX/XX/XXXX I was no longer able to access either my Coinbase account or XXXX. It took me XXXX days to reinstate my account with Coinbase ( they kept asking me to re-set my account ). By mid XXXX I was able to access my account and found that it had been emptied on XX/XX/XXXX. I contacted the local police who sent XXXX XXXX XXXX to visit us on Wednesday, XX/XX/XXXX ( Case No. XXXX ) and at his suggestion I filed an Internet Crime Complaint on XX/XX/XXXX. Although the report was acknowledged, I have never heard back from them. In the meantime, I have had multiple communications with Coinbase who claim that they have always followed my requests. They sent me several reports showing the movement from my account on XX/XX/XXXX and the amount of the transactions, which were much higher than the funds I had in my account. When I asked them for further explanations regarding these reports, Coinbase provided me with a link to a site where I can subpoena them - I only wanted further information and had no intention of suing them or forcing them via subpoena. Obviously, my account was hacked and emptied, but what I want from Coinbase is information about how this was done and by whom, and the explanation for the very high volume of transactions that appear to have taken place in my account. I will attach a copy of my complaint to the Internet Crime Complaint base which provides information concerning XXXX and the different people involved, with dates of contacts, etc. XXXX additional name to add is XXXX XXXX who responded to one of my calls to XXXX XXXX in XXXX. His number is XXXX. I am not sure what connection he has to XXXX, but he was not happy to get my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: DISCOVER BANK
State: OH

Complaint narrative:
I started dispute ( s ) on multiple transactions on my DISCOVER CARD starting back in XX/XX/2021. DISCOVER said they would look into the disputes and in the mean time credited me back the funds. 3 months later late XXXX DISCOVER CARD reverses all the credits they gave me and said I owed them with no proof or explanation sent to me. The entire time while these transactions were in dispute they reported inaccurate and invalid information to my consumer credit report reporting I owed a balance. I told DISCOVER employees that this was a violation of Title 15 U.S Code Chapter 41 1666 ( B ) and ( d ) Correction of Billing error by taking more than two billing cycles to finish the disputed transactions investigation, reporting to my consumer credit report the entire time incorrectly stating I owed a balance when in fact I disputed the transactions thus such negligence ruined my consumer credit report and once I brought up these violations they meaning DISCOVER stated I must provide verification or my DISCOVER account will be closed. Verification as in my Social Security Number. I make this complaint today on XX/XX/2021 due to the fact they are still committing this fraud, illegal activity willfully and knowingly. XXXX from the executive department has received my complaint, emailed me but somehow after all this time I owe them a new balance when my account has been frozen for almost two months. I was owed {$240.00} proof in the attachments, now they balance transferred who knows what and now I allegedly owe them money. This is Non sense. If this persist I will be seeking legal council for legal suit for Civil liability pursuant to 15 U.S Code 1640 and Criminal liability for willful and knowing violations. As demanded in my last CFPB report I want my {$240.00} owed to me back, I demand my security deposit you illegally took back which is {$300.00}, and I demand {$6000.00} in compensation for violating my consumer rights, wasting my time, stressing me out, and not taking the matter serious and all the illegal activity you have committed like freezing my account, sending me letters demanding my Social Security Account Number and stating if I do not you will close MY account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I received a letter in the mail from Ad Astra Recovery Services Inc. on XX/XX/2021 Informing me that someone opened an account in my name, and I owed {$200.00} from a payday loan I never opened in my life. I immediately called and spoke with a representative and told him I NEVER in my life opened a payday loan, to which he replied, you didn't open the account, I emphatically told him NO. Then he said report it to your local law enforcement officials. I called the XXXX XXXX XXXX. number to report this fraud and identity theft, which XXXX. XXXX # XXXX said to call speedy cash and find out how this account was opened because you might have better luck than we the XXXX XXXX would. XXXX. XXXX asked me if I wanted to press charges, I said yes. I just want them to stop, he replied I understand. 
Today on XX/XX/21 I called the speedy cash customer service number, spoke with XXXX who I explained what happened, and transferred me over to the collections department. XXXX answered whom I again explained what happened to her, she apologized that I was a victim of identity theft, and informed me the account was opened on XX/XX/21 and inactive, she told me that I would not be responsible for the amount owed on the account, tried to connect me with the dispute department but the transfer failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I was victim of identity theft years ago. I submitted an Identity theft report in XXXX to the Federal Trade Commission and informed SEARS about this. In XX/XX/XXXX I received a letter from the creditor informing that the account would be removed from my credit reports and it happened. But in XX/XX/XXXX I noticed this account was reported again on my 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 2021-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Made large payment for loan requesting principle payment but Bank of America didn't process as principle payment as requested. 

After fixing issue with significantly reduced principle balance, Bank of America continues to charge me interest on larger loan balance instead of reduced balance remaining after large payment. 

Bank of America doesn't show principle and interest of monthly payment on online access to account nor on monthly statements like other banks with loans.

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 2021-12-23 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 never consented to authorize nor benefited from the following Accounts and Inquires, Block and delete them. If i have received goods and services from the furnished Accounts and Inquires, Let Experian have one of their senior executive certify under the penalty of perjury that i did received good and service from those transactions.

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 2021-12-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021, I submitted a complaint due to the fact that my original dispute with Experian was being ignored since my original dispute date of XXXX XXXX. It took over 90 days for them to respond to my dispute, which should have resulted in the disputed inaccurate items being deleted from my consumer report permanently. However, the accounts are still on my report with no document evidence from the investigation that was made. An investigative report should be done with personal interviews and Experian FAILED to accurately investigate the accounts and provide the document evidence from the investigation. I need these inaccurate and unauthorized accounts removed from my credit file IMMEDIATELY because it is hurting my chances with getting a mortgage, which is help ruin the banking system which in turn ruins the economy!

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 2021-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On XX/XX/2021 I have viewed my XXXX credit report and notice that there is an unauthorized inquire place in my file. This company has put a hard pull inquire on my XXXX. I have sent them letters explaining to them that I have not given any such authorization or signed any documents allowing ALLY LENDING to RUN my credit. I have asked them in Both letter to provide me with A copy of the loan application with WET Signature. If they cant provide me with the information I requested, I ask that they remove this inquire from my XXXX Report. They have failed to provide this information and using stall tactics. This inquire still remain on m 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 2021-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: U.S. BANCORP
State: CA

Complaint narrative:
Applied U.S. Bank Platinum Visa Card on XXXX after receiving a pre-approval in the mail. Received mixed messages online after submitting my application about whether I was approved. On one hand I got the auto-confirmation that line of credit was granted and that I'd be receiving my card in 4 business days. On the other hand I got an email saying their decision will be mailed to me in 10 business days. I called twice on XXXX to ask for an expedited card, clarification whether my application was accepted or not, and a credit limit increase since the initial amount was low. I didn't receive clarification from either phone call and was verbally rejected for an expediated card and limit increase. I didn't receive card for 3 weeks with no explanation. I called their number on XXXX twice, first time to request an expedited card, second time a few hours later to make sure the the first call rep did anything because at this point the bank and this credit card process has been incompetent. If I hadn't heard of U.S. Bank before I thought I was in the middle of a identify-theft scam. 3 reps over 2 calls on XXXX assure me I'll be receiving the card on XXXX and that I may call on XXXX for the tracking number. I call twice on XXXX for the tracking number and both reps don't have a tracking number for me and inform me that the replacement card hasn't been shipped yet. I called again on XXXX and there's still no tracking number or indication that a card has been sent. My conclusion is that the bank is giving me the run-around and refusing to provide the card so that I may not use their service. It's hard to believe this is just incompetence.

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