vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I opened a Home Equity Line of Credit with USBank in 2019. At the time, I was pleased with the process of opening the account as USBank told me that I would be charged a low interest rate and that there would be no costs at closing and no costs to terminate the account. 

Fast forward a few years, I am currently moving and have to close my HELOC to close on my property. I called USBank to pay off my balance and close the account. At that time, they told me I would subject to a {$500.00} closing fee. As soon as I heard that, I disputed this fact while they told me it was in my contract. I informed them that I led to believe this would not be the case. I asked them to pull the transcript of the call from 2019 to confirm what I had in my notes from the original opening call. After XXXX calls with USBank, they refused to honor my request and told me that I was not able to receive any further information regarding the sales process or their sales tactics. I am at a loss and am heartbroken that such a large institution would be so brazen with their deception and double talk

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 2021-12-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
On XX/XX/2019 capital one reported I was late on payment.When it is on auto bill they tryed to pull the payment but it was rejected they did not notify me that it was rejected. I talked to the manger of company and he insurance me it would be removed because it was there fault. now sense then I can not get a mortgage because this late mark and the company will not help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2021, I sent each credit reporting agency ( Experian, XXXX, and XXXX ) a letter ( per their request ) requesting my consumer report, consumer file and investigative file. AS of XX/XX/2021, I have not received any of the 3 documents I have requested.

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 2021-12-14 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XX/XX/2021 I received an email saying that my anti-virus provider, XXXX, was deducting about {$250.00} from by bank account for an annual fee. I had just paid XXXX for my annual fee in XXXX, so I called the number in the email to ask them to correct the error. The number I called was not XXXX, as I later found out. The man on the phone asked a number of questions about my bank and debit card to get me my refund. In the process he showed me two crypto-currency dealers ( XXXX and XXXX ) and got my agreement to connect them to my debit card. Four transactions appeared on my bank account totally {$920.00}. When they tried a fifth charge, Chase fraud department sent us an email that my debit card was being used for a suspected fraudulent transaction ( the scammer was trying to put through a much larger amount- {$490.00} ). After I closed the phone call, I called XXXX and my bank. XXXX offered me a discount on next year 's fees and Chase told me that nothing could be done, not even filing a claim, until the charges, which were then " pending, '' went though. I called numerous times over the weekend to Chase, only to be told the same thing : " wait until the transactions go through, then file your complaint. '' The charges finally went through last night, XX/XX/XXXX. I called the Claims department this morning and was told there was nothing they could do and I could call XXXX and XXXX and ask them to put the money back on my account. I am reluctant to call the crypto-currency dealers, XXXX and XXXX, as I do not know if they are legitimate, perhaps even complicit in the theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This was opened fraudulently by someone else. I contacted XXXX XXXX the moment I saw them on my credit report and it was closed two months after opening in XX/XX/2019. It, unfortunately, despite being reported as being a fraudulent account with fraudulent charges, has been being reported on my credit report ever since. It keeps saying I'm late on payments and hurting my credit score. It's closed and the charges aren't mine. XXXX DO YOU MEAN?!

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 2021-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: UT

Complaint narrative:
My mortgage was transferred to Flagstar bank and there is no escrow. I never consented to an escrow because I pay taxes an insurance myself. I recently changed homeowners insurance in which the proof of insurance was sent multiple times to Flagstar. I kept receiving letters that I had not provided proof of insurance so I called the insurance division. They checked and said that they had my proof of insurance. I also received a letter ( enclosed ) that they had my insurance info. So why have they tacked on XXXX XXXXXXXX escrow to my loan payment? My taxes and insurance are paid. I tried to change the payment amount and it wouldn't let me. I can't afford a {$1000.00} house payment on my social security so it will not get paid. 

They are having service issues with phone and website so I can't contact them right away to straigten it out. Can't call on the phone and couldn't chat on the website.

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 2021-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am the executor of my mother 's checking account and she passed away on XX/XX/2021 and after reviewing her account, I seen a withdraw from Capital One of {$2500.00} on XX/XX/2021. My mother did not have any credit cards, she only had a debit card for her checking account from XXXX XXXX XXXX. I went to the bank and did all the necessary paperwork for unauthorized withdraw and the bank faxed all info to Capital One. I have talked to Capital One numerous times and so did the bank but they say they can not find any info for it. They are refusing to investigate or give my mother 's money back. This is definitely fraud and I do not know what to do next. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ( XXXX ) XXXX My mother 's name : XXXX XXXX XXXX, I have attached the printout of her checking account for XX/XX/2021 Capital One XXXX attn : Payment Investigation Dept

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a checking and savings accounts with JPMorgan Chase Bank, N.A. I deposited a check signed by my father in the amount of {$30000.00} on XX/XX/2019 that was made out to me. The payor bank was XXXX XXXX XXXX. XXXX XXXX XXXX on XX/XX/2019 immediately transferred the funds of {$30000.00} to Chase Bank. Chase Bank used a computer program software called " XXXX '' to " hack '' and " cybertheft '' two checks of my father 's XXXX XXXX XXXX checking account without his prior consent. Based on those two cybertheft checks, Chase Bank stole {$30000.00} from my checking account and refused to return the money. Chase Bank claimed that the signature on the deposited check was " forged ''. Chase Bank without cause closed my checking account on XX/XX/2019. Chase Bank never proved the allegation of forgery on that check. I tried to recover the funds directly from Chase Bank because the money was earmarked to pay for my father 's funeral and burial expenses, however, Chase Bank refused to return the money. My father 's funeral and burial arrangements had to be delayed for six weeks. Eventually, I had to initiate a arbitration claim against Chase Bank to recover the money and other damages caused by Chase Bank 's refusal to return the money. The arbitrator forced Chase Bank to return the money with interest for the eleven months Chase Bank had stole the money. However, the arbitrator refused to force Chase Bank to pay for other damages such as emotional distress, interference with my father 's funeral arrangements, closure of my checking account, interference with my ACH agreements with third parties, Chase Bank 's illegal discovery of private banking documents ( tax forms and bank balance ) from my father 's XXXX XXXXXXXX XXXX  checking account. I am entitled to recover the other damages that the arbitrator refused to force Chase Bank to pay. I am submitting this complaint requesting the CFPB to assist me in the recovery of {>= $1,000,000} from Chase Bank for its criminal activities. Chase Bank should not be licensed or chartered to do business with the public. I firmly believe that Chase Bank 's actions were motivated by XXXX discrimination against me that a XXXX man having {$30000.00} being deposited in his checking account must be the result of some illegal activities on the XXXX man 's part. XXXX people do not have that kind of money legally. Chase Bank has had a history of discrimination claims brought by XXXX employees that resulted in a {>= $1,000,000} settlement. Chase Bank has had history of discriminating against poor and XXXX customers such as refusing to provide " private client '' customer perks to the poor and XXXX customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian and XXXX are now reporting the account starting with XXXX on my credit report as an account that was in collection in XX/XX/2021. ( Please review attachments ) I have disputed that this account is not mine and no one has provided me any documentation to support the account belongs to me. But now the account was in collection last month. I have no accounts with XXXX that are in Collections.

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 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX a fraudulent wire transfer was sent from my checking account to XXXX XXXX in Florida ( a telephone scam ). 
For three weeks I was told by Citibank that if the money was not returned by XXXX a claim would be filed by Citibank under consumer protection rights for a fraudulent wire transfer. 
On XXXX XXXX I was told the complete opposite. 
I had signed an affidavit on XX/XX/2021 attesting to a fraudulent wire transfer. 
On the XXXX Citibank informed me because I allowed banking information to be given to the scammers there was no consumer protection right involved. 
I did not realize I was being scammed, when I did I contacted Citibank immediately and went to the police precinct ( all immediately after I hung up on the scammer ). 
I was misled by Citibank and even though I contacted them immediately there was no attempt to contact the other bank for at least 2 weeks.

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 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have attempted to dispute old student loans reported by Navient several times in the past for for violations but they are still reporting on my credit report. I have attached a copy of how they are being reported. The numbers I reference below correlate to the attached copy of my credit report. 

Items 1,2 and 5 are being reported on my credit report with no Date of First Delinquency. This is against FCRA rules. There is no way to determine statute of limitations and as such these files need to be deleted from my credit report. 

Items 3 and 4 show a date of last payment of XX/XX/11. This is clearly beyond the 7 year statute of limitations for an account of this type. It is also incorrectly being reported as past due when they should have been changed to charge off status years ago. These accounts need to be deleted immediately. 

The inaccurate listings of these accounts on my credit are causing me financial harm as they are preventing me from being able to purchase a home for my family. I have disputed these items well over a year ago and was truly dismayed to find nothing had been done. 

Please assist me in looking into this matter and helping to get these accounts deleted as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
When I signed up for a Coinbase XXXX account, Coinbase failed in their Duty to Inform me, as a user, of the miners ' fee components of their transaction system. 

Due to the excessive miners ' fees charged on Coinbase XXXX, I am unable to access my own funds that I lent out, let alone liquidate my accounts and transfer the crypto currencies to a wallet where I can maintain more control. 

I have 4 different crypto currencies held on my Coinbase XXXX under the profile name, @ XXXX, that I am unable to access, withdraw, and/or swap for other crypto currencies. 

I attempted to resolve this issue with Coinbase Support, under XXXX # XXXX, but Coinbase support was unable to escalate the issue to the appropriate level to functionally and actionably address my issues. 

I requested multiple times for Coinbase to liquidate my crypto currency holdings and transfer them to my Coinbase account associated with my email - XXXX. 

Coinbase 's actions have left me vulnerable, being unable to access my own funds to cover everyday expenses, and feel predatory given the fact that Coinbase XXXX does not sufficiently disclose the fees associated with transacting on Coinbase XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: NC

Complaint narrative:
On Equifax ReportXXXX XXXX XXXX has reported as Medical Debt, variable rate and has changed classifications over time. Has reported " OK '' in months then has gone back and stated " 30, 60, 90, 120 '' days late in same period of time. Then they changed from Medical Debt to Personal Services to Installment and Individual Account. This account has been disputed as erroneous, negative information on my Equifax Report, Equifax came back as verified and then I disputed the method of verification, Person talked to, Company, Phone Number, Date spoke to, Documents bearing my signature showing debt. Nothing of forementioned was provided. Even more erroneous information on reports from Equifax shows " OK '' pays as agrees for 8 months and the balance and credit never changed and when XXXX XXXX went back to change times late, they showed 30 days late in XXXX 2021 and separately reported 60 days late for same Month with Equifax. This is erroneous and must be removed from my report. Equifax has drastically reduced my credit score from XXXX on report dated XX/XX/2021 to a XXXX dated XX/XX/2021 from their erroneous reporting and has caused negative financial actions because of such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I sent letters to all 3 credit bureau aboit these false inquries on my credit reports. i didnt give permission for none of the five creditors to have a reason to pull my report

Company response to consumer: Closed with explanation