vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received an email about a remote job opportunity at XXXX. I saw that this opportunity was being relayed through my school, so I immediately trusted it, and I received information about it on my school email. I signed up for this fraudulent opportunity on a XXXX spread sheet. I signed with my name, address, and things of that sort. The opportunity stated that when hired your job would be to buy, package, and send goods to foster homes. I wasnt too skeptical and when I was told I got the job. A check was sent to my house and the check. It was made out from a restaurant to me. The lady who was texting me, I dont even know if it was a lady at this point, said that it was XXXX of their very close sponsors. I went to cash the check out at the bank on XX/XX/XXXX. The check amount was {$3900.00} and I was told to come back the next day because I had to wait for the check to clear. I was to use XXXX to get XXXX {$500.00} vanilla XXXX cards and send pictures of them to XXXX XXXX, the lady who reached out to me. The {$400.00} would be my cut. I was only able to withdraw {$500.00} the first day, XX/XX/XXXX, and the bank teller told me I had to wait XXXX day for it to clear. I waited XXXX day and went back to the bank on XX/XX/XXXX. The teller told me that the check cleared and gave me {$3000.00} in cash. After I got the cards that the " job '' needed it was too late. I called Citibank on XX/XX/XXXX because I wasn't able to access my account and a representative told me that my card is locked because it is overdrawn by over {$3000.00} and the account connected to the check that was deposited was frozen. I told the bank that wasnt possible and said I would contact the job ''. I was going through my email to look at their information again when I came across a scam email from my school. Ive done some research on situations like mine and after talking to customer service representatives from my bank for hours it doesnt look like I will be getting the money back. A representative opened up a claim for me to possibly get my money back but they are saying that since I withdrew the money I am liable. I dont think that this is fair at all because the workers at the banks are the experts and the bank should have some sort of policy on checks. I really can not afford to pay this amount to the bank and neither can my family. I was only able to get the {$500.00} that was withdrawn the first day and a representative helped me open up a new claim to dispute the {$3000.00} that was withdrawn on XX/XX/XXXX. This could take up to 90 days to process and I can not wait that long to access my account. It has already been nearly XXXX months.

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 2021-05-30 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: NJ

Complaint narrative:
XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX This inquiry does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: NJ

Complaint narrative:
XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX This inquiry does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: NJ

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Removal date : XX/XX/XXXX This Inquiry does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: WELLS FARGO & COMPANY
State: TX

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

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 2021-05-30 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: CITIBANK, N.A.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: JPMORGAN CHASE & CO.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
Since XX/XX/2021 I have been unable to withdraw the funds in my Binance.us crypto account to my personal off-exchange storage device ( hardware wallet ). 

On XX/XX/2021 I transferred some VET, ETH and ZIL to my Binance.US account and converted the ETH into three other crypto currencies ( ZIL, VET and ONE ). I have no deposit holds on my account so I should have full access to the currencies that are in my Binance.US account. 

When I go to withdraw the funds and send them to my hardware wallet I receive an error that reads, Withdrawals suspended due to risk management. This has been happening since XX/XX/XXXX. 

I have attempted to resolve this by opening three different cases through their online support portal : Case ID # XXXX - Opened XX/XX/2021 - System automatically closed the case and combined it with an old case that remains open even though that case is resolved. 
Case ID # XXXX - Opened XX/XX/2021 - System automatically closed the case and combined it with an old case that remains open even though that case is resolved. 
Case ID # XXXX - Opened XX/XX/2021 ( later in the day ) - System automatically closed the case and combined it with an old case that remains open even though that case is resolved. 

Business has no customer service phone number to call. 

As of now, I have had no response from the company and I am unable to withdraw the funds in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: OneMain Finance Corporation
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: TX

Complaint narrative:
On XX/XX/2017, an unauthorized charge of {$9700.00} was made to my Citi MasterCard. I notified Citi customer service immediately upon receipt of the statement, and was assured that no further actions were required by me to resolve the problem. I filed complaint # XXXX with the CFPB that I have been denied relief. In their response, they dont deny that the charge is unauthorized. Instead, they deny responsibility for obscure technical reasons, which do not change the guarantee made to me by them that I am never responsible for unauthorized charges. I accepted the instructions given me by their customer service department as legitimate. If they were inadequate or improper, the liability for that should lie with Citi, not me.

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 2021-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
To whom it may concern : I have been dealing with the authorities with a cyberstalking incident which I believe might have to do with identity theft. I live at XXXX at XXXX in XXXX XXXX Florida. I believe that our property manager at our property management company benchmark property Management is stealing check numbers from our monthly dues which are multiple checks due to other fees. Her name is XXXX XXXX. I'm starting to believe she has been stalking me and my family and that she is a liability to this community and possibly somehow using illegal surveillance to infiltrate people 's homes and bank accounts. 

due to my lawyer 's recommendation I was on the board of directors a couple of years ago and I resigned before there was any real liability because I do not trust the board or this property management company that they switch to. It is called benchmark property Management on XXXX XXXX XXXX XXXX FL. the association 's address is XXXX XXXX XXXX XXXX XXXX Florida my address is XXXX XXXX XXXX apartment XXXX XXXX XXXX XXXX bank is PNC I have notified them about the possible fraud I just wanted to let you know in case anyone else who lives in my community as having an issue. 

Thanks XXXX XXXX XXXX. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: NJ

Complaint narrative:
XXXX XXXX  {$0.00} Closed 2 late payments This account does not belong to me please remove

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 2021-05-30 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: NC

Complaint narrative:
XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have the Bank of America Travel Rewards Visa card. 

There is no annual fee. 

I pay my card in full before the Due Date every month and therefore pay zero in any interest fees. 

However in the last three statements : XXXX, XXXX, XXXX I have illegally been charged a {$1.00} fee on the XXXX of each of these three months, despite the fact that I was assessed {$0.00} fees for any interest. 

I called and complained to Bank of America and after 20 minutes of back and forth and being put on hold each time with some ridiculous explanation which CLEARLY is a violation of the card stipulations that states : Here is the excerpt from the contract : Minimum Interest Charge If you are charged interest, the charge will be no less than {$1.00}. 

Therefore, since I dont pay ANY interest, this CAN NOT apply. 

My concern is not the small about, rather the EXTREMELY fraudulent actions of Bank of America, which I am certain is being perpetrated against the millions of people who hold this card and most likely any Bank of America cards or other financial products as this is a charge deliberately entered into their computer system and then assessed automatically. 

Please research all of Bank of Americas abusive practices along with those of other financial institutions which may also be engaging in these types of fraudulent thefts. 

{$1.00} is small enough for most people to ignore, but multiplied by the millions of accounts is on a massive order of magnitude. 

Thank you all for the vitally important work that you do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I have a bad collection acct showing on my credit file that does not belong to me. I tried disputing in but the acct was not taken off

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 2021-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: MI

Complaint narrative:
Hello My loan origination date was XX/XX/2004 my original loan amount was XXXX I don't understand why I still owe so much on my home. My loan was supposed to be a 30 year home loan. I am looking at my account with Midland Mortgage and it shows my maturity date asXX/XX/2050. I have never refinanced my home. I just want some answers as to my the payments I have made over the last 17 years have only went to the interest on the loan. I believe the balance on my mortgage should be significantly lower.

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 2021-05-30 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: Beach Cars of West Palm Inc.
State: FL

Complaint narrative:
This vehicle was paid off and should not be reporting to the credit bureaus as a repossession.

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 2021-05-30 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: NJ

Complaint narrative:
XXXX - XXXX XXXX XXXX late payment {$0.00} Balance updated XX/XX/2021 This credit account does not belong to me

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 2021-05-30 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: NJ

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX This inquiry does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
XX/XX/2020 I was informed my account was closed and dont 180 days I would be allowed to withdraw my funds. Now we have arrived at 180 days and they will not let me have my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: Chime Financial Inc
State: FL

Complaint narrative:
XXXX 2021 Chime Credit Card company reported a XXXX dollar balance I paid which they reported it to the credit builder and affected my credit. The time frame to pay it arrived and I already paid the amount. I made a report about it. 


This month they failed to notify consumers they were closing out statements on XX/XX/2021 instead of the XXXX which is the end of the month. They changed their due date and decreased the amount of time people have to pay their off balances. It is understood that they can change their due dates but proper notification should be required consumers can make informed decisions about their spending habits. I have other credit cards their due dates change but they notify in advanced not change it and give approximately 1 day to pay. That is a unfair practice and it needs to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

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 2021-05-31 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Victim of Identity theft, please see attached 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 2021-05-30 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: NJ

Complaint narrative:
XXXX XXXX {$0.00} Closed 2 late payments This account does not belong to me please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: NJ

Complaint narrative:
XXXX XXXX {$0.00} Closed 2 late payments This account does not belong to me please remove

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 2021-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Mountain Run Solutions, LLC
State: IN

Complaint narrative:
I have told this company repeatedly for years to stop calling me. They have even called my mother and told her I would be prosecuted if I didnt pay. They have told me the same thing. The debt is not even valid, and they will not leave me alone. 
Most recently I was contacted via text on XX/XX/21. I asked them to have no future contact and they replied again. I also made it clear that I do not wish to be contacted by any means. They crossed the line when they called my mother a few years ago, and continued to call me after I asked them to stop, while always threatening criminal action.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Around XX/XX/2013, I was sent a XXXX XXXX Citicard I had not requested. When I activated my replacement Citi XXXX, the XXXX XXXX card was automatically activated too. I contacted customer service to close it and was informed that I couldnt close it without closing the XXXX too. Recently, Citicard closed the XXXX XXXX account without notice or explanation after refusing to for over 7 years

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