vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-20 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: MD

Complaint narrative:
Credit reporting agencies Equifax and XXXX are refusing to remove an old account ( XXXX XXXX } that's over 7 years old from my credit file. I have disputed this with no results. When I try to dispute again my request is refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: MD

Complaint narrative:
see attachments for instructions please.

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 2022-03-21 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On two separate occasions I never received my Bloomingdales Citi Credit card ( s ) nor did my authorized user Bloomingdales is not resolving the issue of fraudulent charges made on my accounts, in fact they are making my balance larger. I have reached out to them on multiple occasions and they are not helping at all. They are now saying my balance is XXXX  consisting of two charges for XXXX, one for XXXX and one for XXXX. I nor my authorized user on the account made these charges because we never received the card ( s ). Someone got a hold of the cards and made the fraudulent charges. 

I would like this matter resolved immediately Last 4 digits of my SSN are XXXX to help bloomingdales credit card find my 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 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I was charged several charges from the same vendor within minutes for thousand of dollars. I let the credit card company know right away. They suggested I wait till I get my statement and then call and dispute. I did so and they have a me a conditional credit. They later on sent me a letter stating they could reverse the credit unless I reach out to the vendor and seek credit. I did so the vendor said the charges were canceled. I sent the information to the credit cared company with the name of the vendor agent and ID number. 
The credit company waited for yet some weeks and informed me that the vendor did not issue credit. The credit card company told me that there was a third party involved we are in they should be contacted in seeking credit I asked him if we could reach out to the third-party. The credit card company and myself tried to reach the third-party and after a couple hours after failing gave up and the credit card company asked me to seek credit from the third-party even though we could not reach them over the phone. I tried and tried and finally was able to reach an agent through a chat live chat from the website the third-party company looked into my account and said I should not have been charged and I should go back to the financial institution or my credit card company and get credit I recorded and took pictures of all all the chats and send it to my credit card company I have called my credit card company several times and they said it the charges have been reversed and that I would still be responsible. I told my credit card company I have not authorized charged or used for services that have been charged on my account for which I do not take responsibility and do not agree to pay these they said youre gon na have to fight for it but without any directions or anything else from them I spent a lot of time calling credit card company Several times writing letters and contacting merchants and doing as they suggested they do not have any other directions for me and I still yet not willing to give me credit for something I did not charge so I see 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 2022-03-21 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: LA

Complaint narrative:
I disputed inquiries on my report that I am not aware of. XXXX was the only company to delete the fraudulent inquiries. Equifax and XXXX did not. These are causing me to be declined credit that I need. I wish for them to go back in and verify the information as required by law and have the inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
A company cancelled my purchase and refunded the money for a purchase since XX/XX/2022. However that was not credited to the credit card. However the electronic portal is showing that the balance is negative ( refund amount ). On XX/XX/XXXX When I made another purchase, however, this negative balance included and I therefore had to pay the full amount of the purchase even though a negative balance. 
Contacted the company on XX/XX/XXXX, the representative said it was a computer error and it would be fixed. 
When it was not fixed, then I called again and the supervisor XXXX said that the negative balance, which is a credit is held by Sears credit card until 90 days and then returned. I questioned why a negative balance then would be shown if it is not available for use. I got no answer from them. As such now I have to pay an additional sum of money to Sears card for the Purchase made on XX/XX/XXXX. 
Sears seems to be holding persons money which are credited to their accounts and using it for some purpose but it is not available for the customer to use for 90 days until returned.

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 2022-03-21 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Credit reporting agencies XXXX and Experian are refusing to remove an old account ( XXXX XXXX } that's over 7 years old from my credit file. I have disputed this with no results. When I try to dispute again my request is refused.

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 2022-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KLS Financial Services, Inc
State: NC

Complaint narrative:
I have tried on numerous occasions to have this collection removed from XXXX and it has been removed from all the other 2 bureaus ( XXXX and XXXX ) months ago. The Collection is from KLS Financial- Fastpace Tennessee for {$130.00}. I have come to discover that this debt is also Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report. It is a HIPPA Violation and I NEED THIS TO BE REMOVED ASAP!

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 2022-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Foris DAX, Inc.
State: PR

Complaint narrative:
I have an account with Crypto.com, which is a digital currency exchange. They offer a visa debit card which you can use to pay regular merchants with digital coins. 

In order to apply for the card you need to stake around $ 400s worth of XXXX, which is Crypto.coms in-house digital coin. Staking is analogous to a Certificate of Deposit in traditional banking. In exchange for a certain interest rate, the consumer agrees to not withdraw a given sum of a certain digital coin. I understand how that works fully. 

I wanted to apply for the card, so today, XX/XX/2022, I agreed to stake XXXX XXXX ( equivalent to {$360.00} ). Immediately after doing that, I got a screen that said that the XXXX card was not available where I live ( XXXX XXXX ). The only reason that I went through with the staking transaction was because I wanted the card, only to find out that I had tied up {$360.00} for nothing. 

Customer service could not assist me. They pointed to the terms and conditions of the staking transaction without taking into account the whole context of how and why the staking occurred. They also indicated that the full terms and conditions for the card stated that it was not available in the XXXX XXXX XXXX. 

Be that as it may, I believe the way that the visa section of their app is designed is deceptive and predatory. Why would they even let customers that are ineligible from the outset due to external circumstances apply ( i.e. locations ) and make the staking commitment for that sole purpose? They had my physical address as part of their KYC procedures and have access to my IP address. Why did their app not prevent me from doing that like many other digital currency apps do and they do for other products? 

I think that the only answer is that they seek to unduly benefit from customers staking their native/asset by any means necessary, including by pulling a bait and switch. Apart from the obvious benefits of having the staked currency ( much like the case of the traditional bank with the CoD ), staking also increases the market cap of their coin, which is a key metric when evaluating digital assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I issued a check to a recipient in XXXX of XXXX. The recipient deposited the check on XX/XX/XXXX and then again on XX/XX/XXXX. I opened a claim with my bank since the check we issued, check # XXXX, was deposited twice. The bank gave us bank the funds but then took it back within 30 days. The bank claims that the check is two separate checks. The images that are available are of the same exact check that the recipient deposited. Even the agent on the phone was confused as to why the claim was denied as it's clear it's the same exact check. I've gotten nowhere with Chase and I've spent 3 months trying to get my money back, which is {$1100.00}. The bank is not helpful and is trying to steal my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
Acima Credit FKA Simpl - XXXX - balance owe {$1500.00} this debt is not mines. I have contact XXXX and they telling me they will not reinvestigate. I definitely paid this debt, off in XXXX months in cash to the place of business. I move around and this happen so many years ago I no longer have receipt but I clearly paid it in 90 days to avoid paying XXXX. Please remove from my report. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
My father opened up a credit card in my name without my consent an made fraudulent charges on my account with capital one bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act, everything has to be 100 % accurate on my credit report. The credit bureaus say the properly investigated but that cant be possible if accounts have multiple charge offs ( which reset the date of last active ), charged off accounts with past due amounts. Inaccurate reporting is grounds for removal. I have been patience with Equifax for over a year and they have yet to mail me proof of the investigation. this is severely hurting my chance for a financial future with this inaccurate reporting. they even have removed these account then place them right back on without an 5-15 day noctice.

they have also violated my rights under the 15usc 1681 sec 602 A which states i have a right to privacy.

Sec. 604. Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
i did not give permission for them to furnish any of this inaccurate infromation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I applied for an auto loan ; my credit score is 810+ with all three credit bureaus. PenFed requested that I provide additional identity proof such as utility bill, driver 's license, passport ( or government issued identification ), social security card in color. I have presented in color the following to verify my identity : Two utility bills in color, social security card in color, and my state gun carrying permit in color. PenFed is refusing to accept my State issued Gun Carrying Permit as identification when their instructions say a government issued ID such as driver 's license or passport. Such as mean that you are not limited to those two items ; but any government ID would satisfy this requirement. I will upload for your inspection their identity requirements and all forms of verification I have sent them. I view this as another way to deny me credit, since they can not base on my credit score of 800+. They refused to accept previously sent documentation in black and white. I had to go to XXXX XXXX to meet their color only requirements and resend them. I have been sending and resending identity documents since XX/XX/2022.

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 2022-03-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Law Office of Carl Brugnoli
State: MA

Complaint narrative:
In XXXX, I bought a second-hand car in the state of XXXX, this car had a manufacturing defect and abs problems, after a few months of observing the problem with the car I wanted to return it to the dealer but they told me that I could no longer do nothing and they treated me in a threatening manner. In less than six months this car presented an imperfect that I had to pay with more than {$3500.00} ( I have proof ), in XXXX I moved to the state of XXXX  where I had an accident ( it was not my fault ), and the car presented again problems with the abs. I decided to return it and explain to XXXX XXXX that I can't afford the repair or pay for it and it's not safe for my life. 

In XXXX I received a letter from the XXXX Carls Brugnoli Law Office. They sent me an appointment to court where I attended. I indicated the situation there. I had no further communication. This week I received a letter from this lawyer indicating that he had copies of my arrest papers, but if he did not call him to discuss the debt. 

This situation is worrying since I am a person with medical problems and I pay for my health and this person causes me physical and mental damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I saw on my credit report that Convergent Outsourcing reported that I owe {$1400.00} to XXXX. I called them I let them know I do not owe them anything. They said that they would contact XXXX and I still haven't heard anything back in a few months. I returned all XXXX phones back to XXXX 's corporate office due to not being able to make calls or send texts the whole month I had them as my cellular provider and was told I don't owe anything. I called customer service and was told they were servicing the cell tower in my area. They didn't work in any area I was in.

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 2022-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XXXX I used XXXX through BOA and transferred {$1500.00} to a guy off of XXXX XXXX to purchase some car parts. I called him and he said he did not receive the money. I thought I could clear this up with the bank the following day. He said he had other buyers wanting the item and asked if I could use apple pay. I had a suspicion he may be a scammer so I called BOA and spoke with an associate on a recorded line. She said I would be covered in the case of a scam since my debit card is linked to apple pay. I sent him four installments totaling {$1500.00}. He disconnected his number immediately after I sent him the last installment and I have not received my item. I filed a dispute with BOA on the charges and received a letter saying I would not be refunded. I called XXXX and they told me BOA should handle the case. I also filed a police 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 2022-03-21 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX has violated my rights. 

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

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

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 2022-03-21 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: AR

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. The alleged obligation must be referred to the United States for collection of said obligation [ per 18 USC 8 ], not to me. 2. This reporting has not been permitted or ordered by any court, and is consequently being done in violation of [ 15 USC 1681b ]. Any agreements alleging to give permission to report or furnish a report are hereby rescinded for reason of a mistake being made under duress. 3. The debt collector has no wet ink signature of mine showing any agreement to any obligation to engage with me for any reason. They do not have permission to have acquired my location information or any other pieces of Personal Identification Information. Any alleged permission obtained by my signature is hereby rescinded for reason of a mistake being made under duress.

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