vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-24 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: VA

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 2022-01-24 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:
My Transunion report says I have an account in collections from a company called XXXX XXXX XXXX XXXX for {$10000.00} opened on XX/XX/2019. This is not mine, I didn't open this account and want it removed from my 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 non-monetary relief
Consumer complaint received 2022-01-24 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:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Passport, ID, Identity Theft 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 non-monetary relief
Consumer complaint received 2022-01-24 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Passport, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
My name is XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, SC XXXX, phone XXXX. I am a customer of TD Bank here in XXXX XXXX. I had never had a savings account with them, but had CDs with another bank. I received an ad from TDBank saying that if I opened a new savings account of {$20000.00}. with them from another source that I would receive a bonus of {$200.00}. after 90 days of deposit. I did this on XX/XX/XXXX, I went into the bank, sat at a desk with an agent who explained what the new account was all about. I deposited a check for {$20000.00}. from the XXXX XXXXXXXX XXXX to open my new TD savings account. No one said anything about it having to be opened ON LINE, which is claiming is the reason I didn't get any bonus. After 90 days I I received a statement saying that I had earned XXXX CENTS interest!!! Wonderful. I called, went into the bank, fussed for 2 weeks and have had NO response from them other than they are WORKING on it. .The email that had lured me into their scheme is still in my here in my email file. I can forward it to you if you want. Had I left my money in the CD at XXXX  I would have made {$12.00} ub the 90 days. I am filing an official complaint, FALSE ADVERTISING. I would never send my moneyto an email that I didn't trust its source. SURE, it said TD Bank, but have been a scam from anywhere. 
Please help me. I am XXXX XXXX XXXX and my money is important to me. -- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I wanted to open Citi Priority account following this link : https : //banking.citi.com/cbol/priority/offer/default.htm? venue=GoogleBR & cmp=knc_acquire_2106_BAUCHK_Priority_Google_BR & gclid=Cj0KCQiAubmPBhCyARIsAJWNpiMG1y2vZJ_TCcRmbiglwYI6HgTTaWu8-sDqICXGWK-9rr-J7rLC-w0aArfcEALw_wcB & gclsrc=aw.ds & BT_TX=1 & ProspectID=B094A7EB13404DE69A8EADDAD9B2785C Provided all the information and then I got one obstacle which is more of a issue from Citi side as they have hired cheap XXXX XXXXXXXX XXXX  to do their IT work. 
Due that hurdle, it asked me to call on that # XXXX which i did but nobody was there. Then I got one rejection letter with the file number ending in XXXX but even if I call that number there is nobody picking up even after 45 minutes of wait time. The letter states that Citi is " unable to verify information on consumer report ''. Moreover Citi didn't provided which consumer report agency I need to reach out to?

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 2022-01-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
All 5 HARD INQUIRIES ARE FRAUD. THEY WERE PUT ON ACCOUNT WHEN IT WAS FROZEN AND WENT THROUGH ANYWAYS. 
1. XXXX XXXX  2XXXX XXXX 3.XXXX XXXX 
4. XXXX XXXX XXXX 5.XXXX All 5 hard inquiries are fraud and we're pushed through when file was frozen. 

They did not follow federal law with FCRA SECTION 609 AND 611. It is so sad they took company to XXXX we're they do nothing for your credit even if customer. They locked me out so I can't even look at account. It is shameful are credit is in place were they don't listen and don't follow American federal law. FRCA is nothing to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
All 5 HARD INQUIRIES ARE FRAUD. THEY WERE PUT ON ACCOUNT WHEN IT WAS FROZEN AND WENT THROUGH ANYWAYS. 
XXXX. XXXX XXXX XXXX XXXX XXXX bank. 
XXXX. XXXX XXXX Bank XXXX All 5 hard inquiries are fraud and we're pushed through when file was frozen. 

They did not follow federal law with FCRA SECTION 609 AND 611. It is so sad they took company to XXXX we're they do nothing for your credit even if customer. They locked me out so I can't even look at account. It is shameful are credit is in place were they don't listen and don't follow American federal law. FRCA is nothing to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : XXXX ALLY XXXX XXXX XXXX ALLY XXXX XXXX Found out that these is/are incorrect information listed under my name and I was never late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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 2022-01-24 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : XXXX WELLS FARGO XXXX XXXX WELLS FARGO XXXX Found out that these is/are incorrect information listed under my name and I was never late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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 2022-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ATG Credit, LLC
State: IL

Complaint narrative:
There is a XXXX XXXX reporting to all three credit bureaus. XXXX, XXXX and XXXX. I have sent letters to the credit bureaus and to the collection agency. I have requested the collection agency to provide validation of this debt, which is in clear violation of the HIPAA policy to disclose any item subject to my medical information. I have not gotten a response in regards to the removal of this account from either credit bureau or collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Not only does every company need to pull Transunion which is the worst of the worst of all reporting agencies, I have a freeze on mine and tried extensively to remove this freeze for over an hour. I enter in my data online and it keeps telling me to sign up. I have an active username and password used just over 30 days ago to place the freeze on. I tried to forget password and reset and continuously get errors on Transunion ends that I can atleast get a 6 digit code to verify myself to my email but once I enter it online they give me an error that they are having issues on their end. How do you have boht online issues and phone issues where nobody come to the phone for over an hour? I've been on hold at the same time for an agent to unlock my account now and see if they can unfreeze it and nobody is answering. Now my account is locked after the attempts I made to use their easy system so that's been added to my list of needs from them, I cant unfreeze it so I can get basic internet with anew service provider in my new apartment timely and transferred to do my job where I make money to pay my bills with but Transunion is established to report how I pay my bills, make it make sense. With no internet, and no job how can I do this???? How XXXX Ironic! Why companies are still running credit reports in the middle of COVID when people have suffered financially and been late on bills just to keep a roof over their heads is ridiculous as well. TRANSUNION needs to be eliminated

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 2022-01-24 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: CA

Complaint narrative:
I placed an order to a seller in XXXX and used PayPal to send money. There was an issue with product and seller agreed to refund. It's been 3 months and no refund was given after endless excuses. I ask PayPal for help and open a case. PayPal claims I open too many cases ( 6 in 4 years after hundreds of purchases ) and not only denies my case, it shuts down my account and prevents me from using it. Seller finally tells me he wants to refund but must use original method but can't because PayPal shut me down. I complain to PayPal but says decision is final.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : XXXX SYNCB/XXXX XXXX XXXX SYNCB/XXXX XXXX Found out that these is/are incorrect information listed under my name and I was never late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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 2022-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I was trying to check on my coinbase account. I was unable to do so. I was prompted to change my password because I felt I was hacked. When I entered a password reset to be sent to my email attached to my previous coinbase account, I did not receive it. I knew then I was hacked. I had to go to work for a long shift. When I came back home I noticed a pending transaction to my debit card for 1,000 USD that I did not authorize. It put my account in the negative. I recall my previous coinbase account had 1,400 USD in various cryto currencies and the unauthorized withdrawal of 1,000 USD. The total amount lost was 2,500 USD. I attempted to stop payment on the unauthorized transaction of 1,000 USD but was too late. I tried reporting matter to coinbase live support but if you can not provide correct name and email associated with account they would hang up on you after 3 failed attempts. I even mentioned I was hacked how could I provide that information. I then tried to use their online ticket support. I was getting bot responses and could not generate ticket. I was frustrated and stopped attempting to conract them. The following week I visited our local police department and filed a theft report with XXXX XXXX. His email address is XXXX. From time to time I receive notifications from coinbase for example staking updates on an asset I use to own their. Any help with matter to retrieve my lost funds of {$2500.00} USD would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America Edd debit Card account. I have been trying to get back 2 amounts that were stolen our of this account. I have submitted 3 complaints here this is my 4th XXXX the number of my last complaint. Briefly XX/XX/XXXX {$5000.00} was transfer out of my account by criminals who set up a bank transfer on my account. ( I never even new at the time I could do this only used my card. ) on XX/XX/XXXX on {$4400.00} was stolen the same way. Then after that and after what seemed like a million calls, instead of listening to me or investigating, B of A edd proceeded to reimburse me and the criminals would steal it immediately. Now, since I have tried repeatedly to talk to resolution dept. of B of A edd I have recently received a letter on saying they have temporarily credited my card, which is associated with my account which was closed because of the criminal activity, which I had to do since they were not doing anything. So when I call to figure out how to get my partial payment of what was stolen, I am told the account is closed and they can not help me and to talk to XXXX/EDD. I have been speaking with a very nice caring lady at EDD and she told me that once the money is transferred to Bank of America EDD account they have no control of it. She has put in an inquiry to the higher ups for me. So I have been waiting a month for a response from the higher ups at XXXX/EDD. Bank of America EDD you can talk to them for hours and the will repeat the same thing '' your account is closed and we can do nothing, contact XXXX/EDD. Also I have a new open account with XXXX/EDD, where they were sending my money by checks, because I obviously don't trust Bank of America EDD debit card accounts. I know I am not alone and I am one of millions that are being treated this way. Any help out there?

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