vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-02 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
At a Wyndham timeshare upgrade presentation I was offered the XXXX by Wyndham credit card. I told him I already have one. The sales representative kept pushing for a higher limit credit card. I kept saying, NO. The 2 people then asked, Can we get your information just to update your card? I asked why and was told it was for my current credit card, just to keep it updated. I reiterated, I don't want a new card. They promised it wasn't for that. Needless to say, a month later, a new wyndham credit card came in the mail. We were not happy. We felt betrayed by their promise, It's not for a new card, it's just to update your information. Well, this affected our credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I previously disputed alleged Ch XXXX bankruptcy item with the bureaus In response they verified the item as accurate, stating that the information verified with the court. I contacted the court myself as the court may have violated federal and residence privacy laws by submitting such false information to the Bureau.

The court responded making it clear they did not report or validate any information with credit bureau ; therefore the original response from the bureau stating they verified the item with the court was either an error or flat out lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681 ), I was never sent any proof but I did get my own proof, yet the Bureaus have yet to comply. I have been being ignored for over 90 days!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Idaho XXXX XXXX To Whom It May Concern : My name is XXXX XXXX XXXX and I am filing an official complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IDAHO XXXX. 

The attorney falsified details on a complaint filed in Third Judicial District in the State of Idaho ( CASE # : XXXX ). 

I requested proof of debt which is my legal right. Letter of Validation : Collection efforts, i.e. documentation, phone calls and/or letters from both the Citi Bank and/or his office. No proof of debt was provided.

In the complaint he stated that he made numerous attempts to collect debts and again 10 days before complaint of judgement was filed. There has been no collection efforts from Citi Bank or the attorney. I sent a letter requesting proof of all actions. NONE was provide. This debt is no longer owe- according to CitiBank . 

The attorney, XXXX XXXX XXXX knowingly and intentionally practiced deceit knowing that his action would cause hardship and unnecessary stress. I also filed a complaint with Idaho XXXX XXXX XXXX regarding his actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Can't get any information on my loan. Chase just purchased it. But I can't even get the loan #. I made a payment, but nothing was taken out of my account. I don't want to be delinquent, but can't get hold of anyone at chase. The level of service from my previous mortgage company to this I've is unacceptable. You need to have as high or higher standards than the company I previously had my mortgage with. 

I spoke to XXXX and she said that's chase has no way to see if payments have been made. She said even a supervisor will not be able to see if a payment was made to chase. She was not able to tell me who I need to speak to in order to find out about payment. 

Who do I need to talk to in order to find out if a payment was made? 

Why can't chase see when I pay chase? 

Still want able to get my loan # from them either. 

Horrible lack of service. 

Is it legal to require a complaint here too fond this information out? 

Is it really not allowed to make a payment on a holiday? I should be able to make a payment on any day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/2019, discover financial started reporting me as deceased and closed the account. I attempted several months in a row to make my payments and Discover would not allow me to because of the deceased status. I informed them multiple times they were reporting me as deceased incorrectly. They requested I contact the Social Security office to fix the mistake, which I did, and provided the corrected information to discover financial. They have since charged off the account and have been reporting to all three credit bureaus since XX/XX/2019 that I am late on my monthly payments. discover financial never contacted me to reinstate my payments or communicate any information regarding the account. They currently have me listed as alive however continue to report negatively with the three credit bureaus. I originally requested that they remove the deceased status and all negative reporting from the three credit bureaus, but they have only agreed to remove the deceased reporting and not the charge off or late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
the following accounts was never authorized to report on my credit :. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Follow up to Complaint Number XXXX. Remains unresolved. 
Cash App Reference Number : ref : XXXX : ref I am unable to access my Cash App account after purchasing a new phone and installing app. 

There is a serious disconnect between what the Social Media Team on XXXX is telling me and what the CFPB is telling me. One telling me to set up new account. The other to request password be reset. Which is it? I have submitted information to have password reset. I have also tried to set up new account. In each case I receive pop up on phone that states " unable to sign on on this device. '' No other financial institution. No bank. No Credit Union. No Investment House. No P2P payment system requires this or makes users go through this process. 

Response from Social Media Team on XXXX. XXXX  XX/XX/XXXX. 
Again, you need to create a new account using a new phone number or email address. The reason you are having trouble making a new account, is due to you likely attempting to use the phone number and/or email address linked to your other account. 

Response from CFPB Monday XX/XX/XXXX As set out above, after several unsuccessful attempts to log into your Cash App account with your PIN, the PIN is automatically locked. Cash App Support has offered to assist you with resetting your PIN. At the time of this writing, we are currently awaiting your responses to the email sent to you on XX/XX/2021 in order to verify your account information, and once verified, your PIN will be reset. Please review this email correspondence and respond at your earliest convenience. We hope this response satisfactorily addresses your complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: NJ

Complaint narrative:
The Following account listed is not my account. I did not obtain this account nor did I authorize for it to be opened. 

1. Identity Theft CBNA Account Number : XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Last XX/XX/2021, I sent the credit reporting agencies letters notifying them that they reported inaccurate and incomplete credit information. I am distressed that they failed to maintain reasonable procedures with their operations to assure maximum possible accuracy in the credit reports they published. It's very clear that they violate the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and I want to seek legal action about this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Last XX/XX/2021, I sent the credit reporting agencies letters notifying them that they reported inaccurate and incomplete credit information. I am distressed that they failed to maintain reasonable procedures with their operations to assure maximum possible accuracy in the credit reports they published. It's very clear that they violate the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and I want to seek legal action about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
A few years ago, Bank of America closed my checking accounts and would not tell me why. At this current time, I need to be able to bank with Bank of America because I am one of my mothers guardians and oversee her finances.

I need someone to tell me I was forbidden with doing any banking with Bank of America even though my account had been open for over 30 years with absolutely NO issues ever!!

It never made sense and no one was allowed to tell me what happened to cause this action by BOA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I purchased a corporate kit on XX/XX/2021, from XXXX, the total amount of {$85.00} was charged to my XXXX account ( See doc 1 original receipt ). On XX/XX/2021, I mailed a money order in the amount of {$85.00} to cover the entire balance of the purchase ( See doc 3 XXXX XXXX. I received an email statement dated XX/XX/2021, for the same amount, with payment due on XX/XX/XXXX ( See doc 2, first statement ). In communicating with the company ( PayPal Credit/Synchrony Bank ), I sent two faxes outlining the payment and where it was sent ( See docs 3 & 4 fax confirmations ). Both faxes included the money order and address, to where it was sent. On Monday XX/XX/2021, I received another email reminding me of my minimum payment ( See doc 5 XXXX 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 monetary relief
Consumer complaint received 2021-06-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Last XXXX I filed a complaint to my investment accounts bank ( Chase ) in which the brokers would buy and sell stock in various companies and only buy 1 or 2 shares at a time per day and do so for the 30 or so companies and charge me {$650.00} per month to do this. This has gone on for over 7 years. I again filed the same complaint last XXXX, XXXX and the Chase bank froze all my accounts, an IRA plus the brokerage account plus another account in which I directed the buying/selling stock. They also froze my checking and savings accounts and canceled my Debit and credit cards. This all happened XX/XX/XXXX leaving me with zero access to my funds to even purchase the basic necessities of life for 15 days until I received a cashiers check for the value of my checking/savings accounts on XXXX, XXXX. I am using another Bank, XXXX XXXX, to get my ( 3 ) three investment accounts, my IRA with XXXX shares XXXX, another account with various stock with XXXX, XXXX shares, XXXX with XXXX shares and various other stocks. The third account had XXXX or so companies stocks in which the broker cashed in the stocks without my permission causing a problem with IRS and as of this date XX/XX/XXXX I do not have control of my investments and am charging Chase with violating my 4th Amendment rights, no seizures without due process of Law. I want the name of the person ( s ) who created this seizure and to sue them for this malfeasance, theft, fraud and the 4th. Also, the said broker ( s ) lost over {$20000.00} last year alone in bad investing and tried to hide said errors in documents which are NOT available to me at this time, this has also been going on for several years including an IRS paperwork errors in XXXX in which I only had access to one investment download for doing my XXXX taxes when there were three accounts reported to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Four months ago I replace my phone and when I got my new phone I was unable to get into my Coinbase account I contacted them many times I can not access my money I can not move my money and there is no other way to contact them outside of email. I am just trying to gain access to my account so I can transfer and close it at this point I cant do anything and no one there is capable of correcting this issue it seems..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2021, I notified credit reporting agencies that they violated the 15 us code 1681 and 15 us code 1681b ( FCRA ). This makes my credit transaction suffer because it was harder and longer and so, I would like it to be taken care of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Hello CRA ; I just refreshed my credit report and noticed that other credit reporting agency went ahead and remove this public record bankruptcy from my credit report. but, unfortunately, your unlawful conduct has caused me a lot of stress and financial harm, including worry and other distress, out of pocket costs and expenses, and loss personal credit opportunities. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! 

Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? 

For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. Youre required to obtain verification from the DATA FURNISHER and the court told me that they dont verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. 

MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! 

Chapter XXXX bankruptcy Reference # XXXX Date Filed XX/XX/XXXX MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! DELETE!!! 

Chapter XXXX bankruptcy Reference # XXXX Date Filed XX/XX/XXXX MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! DELETE!!! 

Chapter XXXX bankruptcy Reference # XXXX Date Filed XX/XX/XXXX MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! DELETE!!! 
This public record contains multiple inaccuracies The amount is incorrect This public record was dismissed or filed in error This item never went to judgment The bankruptcy chapter, status and/or dates are incorrect The date ( s ) is/are incorrect This public record is paid, satisfied or released Best Regards ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: IL

Complaint narrative:
For the last three years at least Equifax has reported me as deceased. They tell me they have fixed it but my credit report still says I am dead. The fraud department said it would fix this and they have not. I am at a loss as to what to do-I have sent my driver 's lisc., social security, reported it as fraud. They just will not change the report. I am at a loss as to what to do since I am not dead!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2020 This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In XXXX, XXXX, XX/XX/XXXX and most recently in XX/XX/2021 I sent dispute letters to the credit reportimg agencies about fraudlent inquiries. It should also be noted I sent an addidtional letter on XX/XX/2021. I have requested investigations into the matter and I requested that they send me a full description of the procedures used in the investigation and to be sent proof of my consent for my file to acessed in my recent letter. 

Its been almost 6 months and I still have not been notified or see any updates or changes to my credit report. NONE. Not one single acknowlegment OR ANY CHANGES OR REMOVED INQUIRIES!!! 
I send the letters certified so I know they are recieving them but I am being ignored AND WHEN I CALLED RECENTYLY THE REPS WERE NOT HELPFUL!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rausch Sturm LLP
State: FL

Complaint narrative:
On XX/XX/2019, my mother passed away. After probate was over and they put part of her house in my name, I got mail claiming I owed money to this company or that company. My siblings put mom 's house up for sale and we got a buyer. Just before closing they informed me I owed over 22 thousand dollars for two judgements. The first judgement was for a little over 5 thousand and the second one is for a little over 3 grand. but these two debt collectors claim now I owe over 13 thousand on the first one and over 8 thousand on the second one. This is impossible and quite outrageous and defiantly fraudulent. I will try to upload the original judgements.I tried to contact the agencies the one for over 13 thousand would not answer the phone and the second one I talked to but they refused to budge on the amount. This is so not right and completely unconstitutional. 
Thank you for your help in this matter, XXXX XXXX Also, XXXX XXXX stated that they served me but I was not served, they described someone about XXXX XXXX XXXX with brown hair. That's funny since I live alone and I am over XXXX with XXXX 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