vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem adding money
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Someone obtained my information and had my edd debit card sent to their address in California. I filed a report with the FTC, and local police department. Bank of America found proof of fraud, which the police did as well from images of atm withdrawals about 500 miles away. The fraud was committed in another state then where I live. BOA said I failed security questions about my self so it took time for them to realize it was actually me someone else set security questions and stuff which obviously werent a curate. Cause my truth failed their screening. When I told boa they sent my card to the wrong person and they took XXXX from my account I got hung up on and was on hold for 5 days 3 1/2 hours each day on hold I finally got through to get no where its been months and still no money they say its being investigated and now my account is frozen blocking me from obtaining what little money I do still have I am stuck out of town with no way to get gas until its unfrozen I have reports and pictures of someone at an atm taking my money what more evidence is needed I moved out of town months prior to filing for edd how was someone able to obtain a card in my name be on camera and not be in jail paying back the hardship they caused I earned my right to get ui through years of hard work for what to get it stolen and my complaints and disputes pushed aside like Im garbage Im lost for words just very stressed and confused and so many questions

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 2020-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: AR

Complaint narrative:
I have an account with Coinbase ( for 3 years ) where I buy and trade Bitcoin as an investment opportunity. I have funds locked in a Bitcoin XXXX  that need to be moved to my Bitcoin wallet ( part of their normal security process ). There are multiple layers of security and 2 email addresses are required. One of my old email addresses is no longer active so this is preventing me from receiving an authentication email to get my funds. Coinbase no longer has a phone line for customer service ( I assume due to covid ) so email is the only customer service available. I first emailed them about this problem XXXX, receiving a generic email thanking me for contacting them and someone would be in touch soon. I waited one week, heard nothing, email again -- same generic response back. Emailed again every day from the XXXX. Finally on XX/XX/XXXX I get a response saying the only way to fix this is to have them move the funds to my wallet, delete the vault, and then I could create a new vault and be back in shape. They sent a link asking me to verify my id ( send phot of drivers license ) which I did. On the XXXX I get the same email asking me to verify again which I did and got confirmation that it was verified. Today ( XXXX ) they email me saying if they don't hear from me my case will be closed due to no action on my part. BEYOND FRUSTRATING that my investment money is locked with no access and their lack of customer service is causing me to loose money every day as the Bitcoin market fluctuates like a stock price. Amazing that this company wants to go public with an IPO and yet has virtually no level of customer service when funds are locked and unacsessable. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-28 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: MA

Complaint narrative:
I am collecting the Pandemic Unemployment Insurance. The funds are dispersed by Bank of America onto a debit card. In the past I have had trouble using my card because they would check to make sure that I was making the transactions. However they allowed over XXXX dollars to be taken from my account. At first they told me it was a limousine company, then they said it was charged by XXXX ( I don't have a XXXX account ). I have been calling them for months about this. I spend hours each day on the phone with them. I have been told at different times that the money would be back in my account in one week, that my account is closed I have been hung up on after waiting on hold for three hours. Finally I was told that if I provided them with a police report they would return the money. I did that and they didn't return the money. I called crying because I had no money for my son at XXXX and a person on the phone told me my claim was closed. I went online and found out that people are having these type of problems all over the country with Bank of America. I am a single mother and have had to borrow money from my family to get by. Please help 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 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I currently have my credit frozen with all 3 credit bureaus/reporting agen cies- Experian , XXXX , and XXXX . I am moving into a new home and needed to remove th e freeze so that the electric utility company could review my application for service. 

For XXXX and XXXX, their sites were so easy to do this- very intuitive, quick, and provided a firm confirmation that the request for lifting the freeze was sucessful. 

Absolutely not the case with Experian. A totally different experience. It is clear that they do not want consumers to be able to speak with live customer service agents. They are not even open until XXXX XXXX eastern time. So people who live within the eastern time zone only have functionally half the business day to reach them when this is necessary. 

Their site is not nearly as friendly and intuitive, but my main complaint is that it should be very, very easy for consumers to reach a live representative with any credit reporting agency. 

Because I can not reach Experian, my new home may not have the electricity turned on when we move in. You can see how powerful a credit freeze can be, so this is why consumers should easily be able to reach each credit bureau by phone if we so choose to do so. 

I am really hoping this complaint will be taken seriously and that I will receive a response. 

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 non-monetary relief
Consumer complaint received 2020-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I have disputed this account multiple times with Caine Weiner and what they sent me in return was not at all what I asked for. They have violated the FDCPA and FCRA by sending me incomplete validation after I disputed the account. I DEMAND JUSTICE! PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I received a loan from upgrade.com XX/XX/XXXX. I have been having problems with Upgrade since the pandemic started. They put me on a payment plan for {$170.00} first. I made those payments. Then i went to the website and they asked me to pay {$220.00}. I made that payment but they did not enter my account. Then they offered me another plan that i selected the one for {$230.00}. I made this payment on XX/XX/XXXX. They had not debeted my account earlier in the previous months, so i dud not expect them to debet my account this time. I contacted them 3 times. The first time, the representive said she was going to stop the automactic payment. She reviewed the account and saw that the payment was account for. They debeted the accojnt again. I called again and asked why were they debeting my account. They did this a third time. I asked them to refund the money. She asked me to request the bank to refund the funds. They told me that they would contact me on XX/XX/XXXX. They contacted me on Friday XX/XX/XXXX and still did not have a answer for me. I have not still heard from them. They have debeted my account 4 times for {$230.00} each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
I refinanced my mortgage with Alliant Credit Union XXXX. I am owed several XXXX dollars of escrow funds back that were withheld from my mortgage payment to pay taxes and insurance. The customer service line wont provide me with an accounting or itemization of that account and return the funds. I thought there were federal rules requiring any excess account amounts from escrow to be returned to the borrower within 30 days. My closing date was on XX/XX/XXXX. It has been almost 8 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ; XXXX and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached for reference. ) These multiple inquiries are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity Bank has used unfair and confusing practices with a credit card. I applied for an account with Wayfair online around the XX/XX/2020. The same day I made a purchase online, but waited to receive the credit card in the mail. It took a while ( I received a bill in late XXXX or early XXXX ) to receive any correspondence via email or in the mail. I received my product on XX/XX/XXXX. About a week later I attempted to go online to make a payment. It has been very difficult to communicate with their office about payment. The Comenity Bank website for the Wayfair card was not working properly. When I was finally able to get to the login for payment page, it still did not work properly. I was not sure which number to use to call them. It took a few days to engage online, but when I was able to get to a page to log in, it required the account number, which I did not have, to login. Then I received a letter that stated the account would close in 10 days. Wayfair switched from Comenity Bank to a different bank for credit card services and as a result reported to credit bureaus that the account was closed ( a negative impact on my credit ). I waited for the bill in the mail. But that the bill I received did not have a full account number listed. I called the number on the statement and was able to make a payment but I noticed that they charged me a late fee. I expressed how difficult it was to figure out how to make a payment online. Eventually, I asked about having the fee waived due to the difficulties of going online and paying as well as no account number appearing on the bill and they told me since the account was closed there was no way to reverse the fee. I asked how are they able to charge a fee but not reverse it? They had no explanation nor did the agent seem to care. He went on to explain to me if I paid it on time there would be no fee. I reminded him about WHY payment on time was an issue and that was the reason for my request. Eventually I asked to speak with a manager. When the manager got on the line, I asked why they were charging a fee on an account they closed. She asked which account, I told her Wayfair and she said, we do not service Wayfair accounts, XXXX does. While I was explaining to her I was a new customer when the switch occurred the line dropped. It was hard to tell if it was on purpose or accident because it dropped right when she finished her sentence and I began to speak. I called back and was on hold for 3 min and the call dropped again. 

This bank should not be allowed to offer services to the public if they are not able to properly handle accounts in a situation like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MI

Complaint narrative:
This problem is with a Discover credit card. I received a statement on XX/XX/2020 that WAS DUE ON XX/XX/2020 ( 4 days after the payment due date ). While this is not a problem for me since it is set for automatic payment it is well past the date that it is required to arrive. This may be the result of an error by Discover or a delay due to the U.S. postal service. I can, however, see this late delivery being a serious problem for several XXXX ( or possibly several XXXX ) people that would be charged late payment fees and additional interest for their particular credit cards. I am unsure if any part of the government can help prevent this problem from happening to others but certainly all credit card issuers should be appraised of this situation and urged to waive any additional fees and interest when this happens to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX ; XXXX  and Transunion should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached for reference. ) These multiple inquiries are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached for reference. ) These multiple inquiries are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: CA

Complaint narrative:
A fraudulent collection account from MRS ASSOCIATES showed up today on my credit report on behalf of XXXX. I do not use XXXX and I have never provided my information to them. This is a fraudulent account opened under my name. This account was previously being showing on my credit under a different collection agency called " XXXX XXXX XXXX  '' ( complaint XXXX ). " XXXX XXXX XXXX  '' admitted the issue on " XX/XX/2020 '' and somehow it is now showing up again under MRS ASSOCIATES. 

A police report was previously filed with the XXXX and it is attached. Please fix this. 

Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint in reference to the below account. I have disputed this account on several occasions. Each time Equifax has failed to follow through. The account is reporting inaccurately. In addition, I also provided documentation to Equifax stating that the account could be deleted from my credit report as per the supporting documentation from the creditor. Please update my credit report immediately as this is affecting my ability to obtain credit. If you fail to act, I will be forced to pursue litigation. It is my goal to resolve this matter amicably. 

I look forward to hearing from you. 

Account Name : XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: AmeriCollect
State: GA

Complaint narrative:
I have accounts that dont belong to me and have been removed fromm my credit report by XXXX and XXXX. XXXX  has not removed any of these accounts that are incorrect and negatively affecting my credit XXXX credit score.The accounts are listed below : 1 ) XXXX XXXX- account # : XXXX, opened XXXX, XXXX, XXXX ( CHARGE-OFF ACCOUNT ) 2 ) XXXX XXXX XXXX-account # XXXX, opened XX/XX/XXXX ( CHARGE-OFF ACCOUNT ) 3 ) XXXX XXXX- account # XXXX, opened XX/XX/XXXX ( COLLECTION ACCOUNT ) 4 ) US BKPT CT GA XXXX ( Bankruptcy chapter XXXX- dismissed ) - Reference # XXXX XXXX ) XXXX XXXX XXXX account XXXX XXXX ( CHARGE-OFF ACCOUNT )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: DISCOVER BANK
State: FL

Complaint narrative:
On my credit reports there is a closed account with huge amount of missed payments. DISCOVER BANK Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA DISCOVER BANK has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was divorced on XX/XX/2019. My ex-wife was awarded the car in the settlement and I was to be held harmless according to the terms of the divorce. My ex-wife refused to make payments and the car was subsequently repossessed. I was notified that my credit report has taken a hit ( it is the only item on my credit report ) and that the car will be auctioned off and I will be held liable for any monies that are not covered by the amount the car was sold for. I have attached the divorce decree for clarification.

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 2020-12-28 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, COMENITYCB/XXXX  add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation