vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I direct deposit {$400.00} dollars to this card biweekly. On XX/XX/20 I initiated an internal transfer to another account and the funds were removed from my account however the one transfer of {$70.00} turned into 4 transfers with the same amount totaling {$280.00}. Additionally the money is in limbo hung in the system. I can not cancel these transactions that I never authorized nor can the receiver cancel or accept. I called bluebird about 5 times between XXXX XXXX and XXXX XXXX and they never offered a resolution or an eta when my funds would be released. They refused to assist me and told me its a known probably and there is nothing they can do at the time their IT department is working on it. It is now nearly 24 hours later, 1 week before XXXX during a pandemic and still no access to my funds. The company didn't even have the decency to send out a communication to its customers. I need help and am trying every avenue. I do not recommend doing business with a company who doesn't even care enough to alert its customers to known issues. Others could at this moment be making transfers Bluebird knows will fail and delay their funds for an unknown amount of time and they have not sent out any communications to prevent this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17 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: CA

Complaint narrative:
Due to me being a victim of identity theft I spoke with XXXX at Experian on XX/XX/XXXX about the unauthorized accounts that appears on my credit report I request the following accounts to be delete and removed off my Experian credit report : XXXX XXXX XXXX open date XX/XX/XXXX amount {$7200.00} account # XXXX. " XXXX XXXX XXXX XXXX '' open date XX/XX/XXXX account number # XXXX closed account. XX/XX/XXXX at XXXX about an unauthorized account " XXXX XXXX XXXX XXXX '' open date XX/XX/XXXX account number # XXXX closed account. On XX/XX/XXXX I spoke with XXXX about an unauthorized account " XXXX XXXX XXXX XXXX '' open date XX/XX/XXXX account number # XXXX closed account.Doing the trouble sometime of Covid 19 when acquiring funds to sustain everyday life is crucial, These unauthorized accounts has severely hindered me I am requesting that all above unauthorized accounts be removed immediately from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On approximately XXXX the XXXX My account on Coinbase was attacked. Coinbase 's security was flawed where there was no measures to secure and make sure that I was the one withdrawing funds from my account. I had measures set up for security but still bitcoin was stolen from my account. I have tried to make contact from this company and financial institution from XX/XX/XXXX to present day.. As of XX/XX/XXXX they have updated their service terms. I can not get in contact with anyone. and their phone system has no live agents or any support whatsoever. during this attack on my account I tried to call them and prevent the transfer from going through and stop before the transaction was veririfed through blockchain. They failed at every turn to protect my property and blamed me, days after their ticket system sent a generic reply. It was stolen directly from coinbase pro coinbase 's exchange where you trade crypto. not from my coinbase account. there were no security measures to ensure safety and when i called them the only message received was if you think your account has been compromised hit this number. I did and in turn my account locked me out of it but allowed someone to steal funds. in an email transaction they said it was my fault and didn't care to fix the problem and said it was minutes before i locked my account. this is total bs. it's been over 60 days they have not tried to resolve the issue and closed ticket and blocked email communication from their servers so when i send an email it is blocked. Also the first coinbase wallet i opened no longer has access and i can not retrieve a password this service financial institution is not protected in any way and I demand i receive my funds back immediately. They also use deception and go offline during major market movements and deceive the public so the market price is not the same in their trading. as i have provided images to prove that statement. I have had a lot of grief due to coinbase and I want my funds immediately as at the time of theft it has increased in value as well, and I have needs to be met immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: CA

Complaint narrative:
Due to me being a victim of identity theft I spoke with XXXX at XXXX  on XX/XX/XXXX about the unauthorized accounts that appears on my credit report I request the following accounts to be delete and removed off my XXXX  credit report : XXXX XXXX XXXX open date XX/XX/XXXX amount {$7200.00} account # XXXX. " XXXX XXXX XXXX XXXX  '' open date XX/XX/XXXX account number # XXXX closed account. XX/XX/XXXX at XXXX  about an unauthorized account " XXXX XXXX XXXX XXXX  '' open date XX/XX/XXXX account number # XXXX closed account. On XX/XX/XXXX I spoke with XXXX about an unauthorized account " XXXX XXXX XXXX XXXX  '' open date XX/XX/XXXX account number # XXXX closed account.Doing the trouble sometime of Covid 19 when acquiring funds to sustain everyday life is crucial, These unauthorized accounts has severely hindered me I am requesting that all above unauthorized accounts be removed immediately from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: CA

Complaint narrative:
Due to me being a victim of identity theft I spoke with XXXX at XXXX on XX/XX/XXXX about the unauthorized accounts that appears on my credit report I request the following accounts to be delete and removed off my XXXX credit report : XXXX XXXX XXXX open date XX/XX/XXXX amount {$7200.00} account # XXXX. " XXXX XXXX XXXX XXXX '' open date XX/XX/XXXX account number # XXXX closed account. XX/XX/XXXX at EQUIFAX about an unauthorized account " XXXX XXXX XXXX XXXX '' open date XX/XX/XXXX account number # XXXX closed account. On XX/XX/XXXX I spoke with XXXX about an unauthorized account " XXXX XXXX XXXX XXXX '' open date XX/XX/XXXX account number # XXXX closed account.Doing the trouble sometime of Covid 19 when acquiring funds to sustain everyday life is crucial, These unauthorized accounts has severely hindered me I am requesting that all above unauthorized accounts be removed immediately from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: CA

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. I filed a police report and FTC report : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: CA

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. I filed a police report and FTC report : XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I reported the card stolen and disputed each transaction and the reversed the credit and wont let me dispite anything. In the amount of XXXX and XXXX. Then begining on XXXX XX/XX/XXXX i began reciving errors and triple charges on every transaction and they dont allow to disp dispute online and I do not have the time 2 wait on hold and deal with customer service on the phone 4 hours a day for me how to dispute every single transaction as they go along day by day they violated my trust and I don't want to use them anymore now my they drained my account with these errors and have a negative balance of {$540.00} already now the {$440.00} from XXXX was a stolen car someone stole the rental and they reverse that credit to I don't want to deal with them anymore I don't want to use that their bank account anymore I don't trust them now I have a negative balance that has repercussions going to my credit and check systems Etc which is erroneous and violation of the laws a protections that we have I guess this type of behavior which is predatory it seems like every night something else is going on on my account and if I don't check it every single day I won't catch it is Bank of America that I'm talking about

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 2020-12-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Paypal illegal activity To Paypal XX/XX/XXXX You have illegally allowed XXXX XXXX  to access my account, and I have tried repeatedly to fix the problem by email, text and phone calls with you and XXXX and neither of you is able to fix the problem, you each blame each other. I am frustrated and going through Covid 19 hardship which you have made worse. 

On XXXX an XXXX purchase was made for XXXX by buyer XXXX and in my account, I contacted XXXX XXXX on XXXX and they stated that they would no longer be using PayPal as a payment method and needed me to list a bank on my XXXX account, which I did, and they deposited a payment for another sale in my bank account, all was working fine. I removed the XXXX and deposited it in my bank account since I no longer needed Paypal in which my paypal account balance was now XXXX. 

On XX/XX/XXXX a buyer is disputing a sale on XXXX saying he received a print damaged, which I am contesting, instead of communicating with me, the buyer made a complaint to XXXX immediately, and then emailed me. I asked for more information and the buyer never replied although he sent photos to XXXX. XXXX without communication with me, immediately withdrew XXXX from my paypal account which resulted in a XXXX, this froze my account and I am unable to add funds, PayPal says because XXXX stopped the payment, which was already deposited, that is why it is frozen, XXXX says the have nothing to do with it, you both work together and have caused this, I will not fix the negative balance, you and XXXX figure it out. 

Then on XX/XX/XXXX XXXX made a fraudulent charge of XXXX for fees was accessed by XXXX thru Paypal to my XXXX XXXX XXXX account, which I did not authorize. This was an echeck which is causing me negative balances on my XXXX XXXX XXXX account, remember I set up another bank account on XXXX for XXXX to access which they never did for the fees, now the XXXX is pending, and you removed that amount from my bank account illegally. 

At this point you and XXXX are working together and ruining me, this must stop. Therefore Effective immediately XX/XX/XXXX, PayPal and XXXX fix the problem, you both caused. You are causing financial hardship. I will pay no more fees to Paypal, remove my XXXX XXXX XXXX Account, never access it again or you will be charged with fraud. And close my Paypal account, send me confirmation that it is closed by email to XXXX. 

For your immediate attention and compliance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
My grandfather helped me buy a New 2020 XXXX XXXX XXXX at XXXX XXXX at XXXX XXXX XXXX, XXXX, FL XXXX on XX/XX/2020. The list price online for the vehicle was {$22000.00} for the XXXX XXXX which is the lowest priced trim level, XXXX XXXX charged me {$34000.00} improperly inflating the MSRP, charging me for the XXXX XXXX XXXX XXXX ( {$35000.00} ) when I purchased the XXXX XXXX XXXX ( {$23000.00} ). I believe this is grounds for Auto Dealership fraud by Inflating the total purchase price above the invoice or sticker price, such as by concealing options I did not request, or by including other unapproved and undisclosed fees as well as bait and switching on the company 's website. I am requesting my loan to be adjusted and/or refunded.

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 2020-12-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America Home Loan 's fraud into my account continues. Today this outstanding balance on my account has jumped to {$310000.00} with a interest payment due of {$3300.00}. It's illegal and criminal. Bank need to STOP all these illegal activities into my HELOC account # XXXX now, come clean, reinstate all correct entries, stop harassing me and above all explain and apologize.

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 2020-12-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/2020, synchrony banks closed down all 5 accounts I have with them without notification. I received a letter from them with the reason of closing down the accounts. The reason is high risk of failure to pay with no credit agency reported as part of the decision. All accounts with synchrony were in good standing and never late paid. Care credit limit XXXX with Balance of XXXX, carcare one limit of XXXX with balance of XXXX, value city limit XXXX with balance of XXXX, PayPal limit XXXX with balance of XXXX, Amazon limit XXXX with balance of XXXX. All said account are been paid accordingly. When these accounts were closed, it hurt my credit by -38 points. I tried to get a clarification from the grantor but none was ready to give me a good reason for closure of these accounts.

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 2020-12-17 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: OH

Complaint narrative:
XX/XX/2016 I went to XXXX XXXX XXXX XXXX for a consultation. I wanted to know what my options were. Later Id started getting phone calls concerning payments, later in mail about a court date. Id called several times to speak with the attorney, I wasnt able to reach her, later was told she no longer works for the company. Filed a complaint with Ga XXXX XXXX, basically the attorney stated she could not make any statements because she didnt have any information in front of her. I simply went into the office to find out what my options were. I did not file bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
I have been through a complete downhill battle with USAA and their credit card. We have been loyal customers to this bank and had a low balance of {$1000.00} on a {$6500.00} limit card through USAA that they stopped taking payments for last XX/XX/XXXX. We have changed our checking account numbers and tried every method known under the sun to try to pay this stupid card for the past year. Now, they have reported a 30, 60, and 90 remark on my husband 's credit report because THEY will not take the payment. We have added the accounts through the phone, online, etc. I am now trying to pay OFF this stupid card because they are destroying my husband 's credit for no reason other than negligence. In XX/XX/XXXX they decided to close the account without any notification. When asking USAA why they closed this account, to our surprise, they insisted that a letter had been sent that was NEVER received by the address that has been the same for almost 5 years, now. The same issues present itself over and over again. When recently trying to get fees from their end taken off because of " late payments '' from their system that will not accept the payment from our banking account ( XXXX ) we received hateful attitude and discussions about how it is our responsibility and not their issue that the account is late paid .... even though we have proof and offered to show this proof to USAA that they are not accepting our payment! I guess this will have to come down to harassment clauses eventually because we feel harassed and this needs to be mitigated ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I currently have a personal loan with TD Bank for {$3200.00}, as of XXXX XXXX, 2020, my credit report showed a new balance of {$340000.00}!!!! XXXX XXXX XXXX, XXXX XXXX and XXXX DOLLARS. the Representative I spoke with at TD Bank on XXXX XXXX, 2020 advised there was a computer glitch and TD Bank caught the glitch that disseminated erroneous balance information to the credit bureaus and within 48 hours my credit report should reflect the correct loan amount. My credit has already taken a hit and I am puzzled as to how a glitch can make a {$300000.00} error!!! PLEASE Help me. TD Bank did not email me, did not have any messages on their website nor any social media messages. I found out about the error by checking my XXXX Credit Report on my own accord.

Company response to consumer: Closed with explanation