vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-13 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: NJ

Complaint narrative:
I have a chase card thats closed as a charge off. This card is fraud and most likely used without my consent. Ive disputed the company for fraud but still shows up on my report. Received letters in the mail that this account will be immediately removed. Balance of {$1100.00}. Closed in 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
For 4 weeks I have been trying to get my account unlocked. 0 response from Coinbase.com Here are the support tickets I've filed so far : Case # XXXX - Coinbase Pro says XXXX for Withdraw, and Trade blocked out even though payments are up to date Case # XXXX - Can not Sell, Convert, or Withdraw Crypto Case # XXXX - Coinbase Pro account can not withdraw, deposit, or trade! Please help! 
Case # XXXX - 4th Support Ticket -- No Response. I am reporting Coinbase Pro to the FTC 0 Response. They are holding my funds hostage, please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-13 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: TX

Complaint narrative:
I am extremely appalled by the recent investigation into items that I disputed last month. I disputed last month because my XXXX and XXXX accounts were never late and I submitted my proof of payment and forbearance status. I also had two XXXX accounts that were reporting inaccurately, and these accounts still report inaccurately. I submitted proof of payment and other form of proof that show these inaccuracies. These items still remained after their so called " investigation ''. These accounts are STILL being reported illegally. Earlier today, I received a letter stating that your investigation was complete. Your investigation could not have been thorough, if you used an automated system, E-OSCAR, Im sure you know this is not a complete legal investigation. Please delete immediately! 

Accounts to be updated to paid as agreed : 1. XXXX : XXXX 2. XX/XX/XXXX: XXXX Deleted : 1. XXXX : XXXX 2. XXXX : XXXX Proof : 1. For XXXX I have attached the documents detailing I was in forbearance. 
2. For XXXX I have attached my bank statements showing that payment was made for these dates. 
3. For both XXXX accounts, I have attached the payment agreement that I had with XXXX, as well as proof the amount was paid.

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 2021-01-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am extremely appalled by the recent investigation into items that I disputed last month. I disputed last month because my XXXX and XXXX accounts were never late and I submitted my proof of payment and forbearance status. I also had two XXXX accounts that were reporting inaccurately, and these accounts still report inaccurately. I submitted proof of payment and other form of proof that show these inaccuracies. These items still remained after their so called " investigation ''. These accounts are STILL being reported illegally. Earlier today, I received a letter stating that your investigation was complete. Your investigation could not have been thorough, if you used an automated system, E-OSCAR, Im sure you know this is not a complete legal investigation. Please delete immediately! 

Accounts to be updated to paid as agreed : 1. XXXX : XXXX 2. XX/XX/XXXX : XXXX Deleted : 1. XXXX : XXXX 2. XXXX : XXXX Proof : 1. For XXXX I have attached the documents detailing I was in forbearance. 
2. For XXXX I have attached my bank statements showing that payment was made for these dates. 
3. For both XXXX accounts, I have attached the payment agreement that I had with XXXX, as well as proof the amount was paid.

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 2021-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IA

Complaint narrative:
I have an account unknown to me with XXXX which seems to be a prepaid money card. 

First I received a email from them telling me congrats on opening an account with them. 
I meant to contact them at that time. 
Also there was another email of the same, except for it had some other person 's name in it sent to me. 

So I do not know what is going on with that! 

Then I just received in the mail a XXXX pay card - which the card is missing from the envelop. 
So I tried calling their listed number XXXX But without that card I don't have the card number it asks for, in order to go any further in their automated system. 
I do not want to enter my social security number it requests to do so - I do not know this company. 
And everything seems so fraudulent already. 

So I need two things please : Any and all accounts with XXXX closed. 
Explanation of how these accounts are being opened. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: MI

Complaint narrative:
Transunion, XXXX and XXXX  are all reporting I have two chapter XXXX bankruptcies from 2016. I only have one. The clerk that entered my bankruptcy filing forgot to include my LLC 's information on the original filing, even though it was on the paperwork. Instead of correcting the original petition, since it was the court 's error, they dismissed the original petition and then refiled the petition the following day under a new case number. I was sent a letter by the Federal Bankruptcy court, explaining this which I sent to the credit reporting agencies. They refuse to remove the original filing which is negatively impacting my credit score to this day.

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 2021-01-13 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: TX

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
This morning I received an email stating my credit card limit was cut to 20 % of the former limit. In the letter, I was told my decrease was due to decreases on my credit file - which was caused by the same credit card back in XXXX. 

The letter also included that I had too many inquiries on my credit report, which is related to the refinancing of my rental properties. 

I have not opened any new accounts and I have not missed any payments. When I called to ask for an explanation I was told there is no person I can speak with and there's no option to reconsider this decision.

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 2021-01-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NJ

Complaint narrative:
I keep receiving emails that I owe money to ace cash services for a {$500.00} loan that I never applied for nor accepted theyve threatened me with arrest seizure of my stuff court case lawyers legal fees threatened my financial stuff and these emails have come from two totally different people from two different states but any time Ive replied and asked they say ace cash I called ace cash this morning and they talked to me over the phone and said that I dont have any loans through them nor do I owe them any money what so ever. I googled this and it seems ace cash has a possible scam or that people have been impersonating them they told me with my name and email I had no loans through them because nothing popped up on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: PA

Complaint narrative:
TransUnion has repeatedly violated my rights FAIR DEBT Reporting ACT VIOLATIONS & FAIR DEBT COLLECTIONS ACT VIOLATIONS My initial letter dated XX/XX/2020 was a dispute! Disputing fraudulent inquiries in my name. 

-TransUnion refused to do an inquiry which is violation number1 -TransUnion did not respond to me within 30 days which is violation number2 -I have had furnishing companies reach out to TransUnion to remove the inquiries TransUnion has refused which is violation number3 -I filed a complaint with the CFPB TransUnion manipulated the CFPB 's system by responding with a generic statement which was defining the word inquiry and that is violation number4 CFPB Complaint # XXXX & XXXX Next step is hiring a lawyer

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 2021-01-13 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: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2021-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
On XXXX, 2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2021-01-13 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: MI

Complaint narrative:
XXXX, Equifax, and XXXX are all reporting I have two chapter XXXX bankruptcies from 2016. I only have one. The clerk that entered my bankruptcy filing forgot to include my LLC 's information on the original filing, even though it was on the paperwork. Instead of correcting the original petition, since it was the court 's error, they dismissed the original petition and then refiled the petition the following day under a new case number. I was sent a letter by the Federal Bankruptcy court, explaining this which I sent to the credit reporting agencies. They refuse to remove the original filing which is negatively impacting my credit score to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX, XXXX, and Experian are all reporting I have two chapter XXXX bankruptcies from 2016. I only have one. The clerk that entered my bankruptcy filing forgot to include my LLC 's information on the original filing, even though it was on the paperwork. Instead of correcting the original petition, since it was the court 's error, they dismissed the original petition and then refiled the petition the following day under a new case number. I was sent a letter by the Federal Bankruptcy court, explaining this which I sent to the credit reporting agencies. They refuse to remove the original filing which is negatively impacting my credit score to this day.

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 2021-01-13 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: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX XX/XX/XXXX INQUIRIES XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Above information is being reported by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Friday XX/XX/2021 While paying at XXXX XXXX denied payment Called number given on banner to inquire Was told that my account had been frozen because Chase has detected fraud and made the decision to no longer maintain a banking relationship. 

Was connected to another rep and was told that I needed to provide statements regarding for XXXX XXXX XXXX Info and payments. 

ca. XXXX Spoke to ( representative ) at XXXX Main Office in XXXX. We were given minimal info or clarification and told to submit printouts for all XXXX payments. 

Monday XX/XX/2021 Met with ( NAME ) at XXXX at main branch office to submit paperwork. A phone representative informed us that this info would be checked with the respective Unemployment Departments. When asked for access to savings accounts, was told that they are frozen and that is not your money, it is fraudulently deposited by ( representative ). 

Tuesday, XX/XX/2021 Called WI XXXX and spoke to fraud advisor ( NAME ) Was told no fraud activity apparent. Called IDES and likewise, no fraudulent activity detected. 

Wednesday, XX/XX/2021 Email and letter to ( NAME ), Chase Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
We accidently overpaid our account by {$4600.00}. We contacted XXXX XXXX XXXX and told them we overpaid and want a refund, Overpayment was made XXXX XXXX XXXX, it is now XX/XX/XXXX. I have been on phone numerous times with customer service and nothing gets resolved. They said they sent a check but we have seen no check. They say they stopped payment and issued new check over a month ago still nothing. They keep me on hold for hours. I am starting to get mad. Its like they are not going to give my money back.

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 2021-01-13 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: GA

Complaint narrative:
I have disputed unauthorized inquiries with Transunion. I stated that I didnt give consent for my credit to be pulled by the creditors I listed in a letter and they sent me back a generic response. Transunion did not investigate my dispute and did not provide proof of investigation.

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 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I made a clerical error which left me with a payment slightly short. An agent called me to let me know I was showing a past due balance and to avoid a 30 day late, I could pay over the phone. I did so and then the company reported it anyway. I have called numerous times, filed disputes but to no avail.

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 2021-01-13 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: TX

Complaint narrative:
I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. 
I am writing to request that you block or remove the following fraudulent accounts from my credit report 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 2021-01-13 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: TX

Complaint narrative:
I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. 
I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XXXX/XXXX/202 I received a call from XXXX XXXX XXXX, XXXX, Offering me a XXXX XXXX with Zero percent interest for the life of the card. 
I received a XXXX XXXX with Zero percent interest for only Two years, not what they offered. 
I called XXXX XXXXXXXX XXXX and their number was not in service I called XXXX and they had no affiliating with XXXX XXXX XXXX. 
I attempted to dispute the charges with my credit card /Barclay and they said the charges stand because I gave them my information I am responsible even though, XXXX XXXX about the interest free card and their affiliation with 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