vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: VI

Complaint narrative:
Good evening : The company Discover Card closed by account that has a credit limit of {$7900.00}, without notifying me in advance. The account had a XXXX balance, and I have been a member of Discover from 2014. I was informed that my account was closed due to lack of activity. I am currently paying a Discover Loan, which is current. 

This sudden closing of my account during Covid, without any notice is cold hearted and without merit. I owe Discover no money on my credit card account and I paid down my Discover Personal Loan of {$30000.00}, down to approximately {$10000.00}. 

I am a XXXX American Male and I feel Discover 's action as basic XXXX!!! I am asking you to contact Discover Card and ask them to justify the action of closing my account. The closing of my account will be detrimental to my credit rating, because it will lower my available credit, which will hurt my credit rating. 

My name is XXXX XXXX XXXX and my Discover Card # is XXXX XXXX XXXX XXXX. 

I requesting that you contact Discover card and ask them to justify its action concerning closing my credit card account. It is disgusting that Discover is closing my account when Covid is killing XXXX Americans at a record rate. It Covid doesn't kill us off then credit card companies like Discover will help finish us off! 

Furthermore, please advise what legal actions I can do against Discover Card due to its outrageous action. I also, wish to know if Congress ' Covid Relief Bill restricted how credit card companies can close accounts without cause during Covid? 

Thank you for your forthcoming consideration of my requests stated above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: NV

Complaint narrative:
I called customer service of this credit card company " First Bankcard '' and the person was not explaining well with detail and switched to her manager. 
The manager was not explaining either and treat me as ignorant saying " go file the complaint if you can ''. 
The problem was that they made a minimum interest charge of {$1.00} on XX/XX/20 and I asked it in writing explaining based on which amount. 
Previously I requested a balance transfers of total {$5000.00} and paid total fees of {$80.00} and interest portion of {$4.00}. 
I asked about the charge of {$1.00} ... if was interest portion should be disclosed in the page 2 of 2. ( see attached statement ) But the statement shows that {$1.00} as fee and included in total YTD fees charged. 
I asked again an email or letter explaining well about that charge and they denied it.

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 2020-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
In 2019, My Venmo account and my linked banking account were hacked into because of a security issue on Venmo 's part. I have tried to contact Venmo multiple times to get whatever remaining money I had on my account after they had banned me from their services because I was too much of a liability. But then, they acknowledged that there was a security issue on their end, but then they blame it on me and subsequently, banned me from the service. They have not budged on their stance and as a result, I can not send money to family members and my landlord for rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Almost one year ago, XX/XX/2019 bank of America Transferred USD {$33000.00} from my account number XXXX to the account belonging to XXXX XXXX ( no idea which bank my money was sent ) with Confirmation # XXXX. My money simply DISAPPEARED from my account and Bank of America. When I made a claim, they simply sent me a brief communication, and closed my claim. 

BofA Never returned the money. I don't live in the US, but in XXXX ( SXXXX XXXX ). When I opened this account, I opened it years ago telling them I am not American citizen. I am telling this because, in order to transfer money from my account of BofA, I need to login into the account. But I was in XXXX that day ( XX/XX/2019 ) therefore, and It was impossible to authorize a transfer due to, BofA sends a SMS with the authorization code ( 6 digits number ) and IT is IMPOSSIBLE TO receive it outside the US, therefore ... I have NEVER RECEIVED a SMS code to approve any transaction, but BofA, simply ignored my claim and never returned my $ XXXX dollars back to my account.

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 2020-12-16 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: Coinbase, Inc.
State: FL

Complaint narrative:
coinbase.com locked me out of my account citing the need to verify my identity. No other financial institution has ever asked such things after account opening. I submitted the requested verification documents but they were denied. Since I have resubmitted many times and reached out to customer service with no feedback nor response. 
Initial submission of verification documents : XX/XX/XXXX - 3 separate attempts Initial email to customer service after failed attempts Next submission XX/XX/XXXX Email to customer service XX/XX/XXXX Next submission XXXX Email to customer service XXXX Next submission XX/XX/XXXX Email to customer service XX/XX/XXXX Submitted complaint on XXXX XX/XX/XXXX Its been nearly a month and they will not let me access my money nor digital currency. They are with holding these personal assets to which they have no rights. They will not respond to requests and we have been patient enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: MO

Complaint narrative:
I would love for someone to contact me personally since I have recorded phone calls with this company lying to me on multiple occasions. They randomly decided they were going to review my account. Gave me 5 different excuses as to why. Told me my funds would not be given to me. Then said they would be. Back and forth all day. They STILL have not issued my money to me. I run my own business, this is how I pay bills. They knowingly and intentionally wouldnt not give me my funds and asked for documents. What documents can I possibly provide? A customer runs their card to pay for their services, the end. There literally is no other documents I can provide other than the receipt, which SQUARE SENT TO MY CUSTOMER. Im facing homelessness because of square. I needed to use MY HARD EARNED MONEY to pay my bills. If you look online, Im not the only one! Except instead of withholding 30 % -50 % theyre withholding ALL OF IT. I cant touch a DIME. Im going to have to refund it, Ive already started the process, because its taking square up to 4 months or more to give it back to others for the typically one business day review so Ive issued it back to the customer to keep my freaking utilities on, and be paid a different way and they still havent got it either! This company is taking advantage of small business during a pandemic close to the holidays and the end of a federal moratorium. It has to be stopped. This has to be illegal. On top of all the lies ... this cant be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Earnest Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I signed a student loan refinance with Earnest for approximately {$90000.00} to refinance a loan held by XXXX, XXXX. While they claim to have sent the payment to my prior servicer and began charging interest on the loan, my servicer has claimed they haven't received the funds. Earnest has said they can't do anything until after 40 days BUT continue to charge me interest on the loan thus I am accruing interest for the same amount with both servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Sent letter 90 days ago heard nothing back, tried calling no answer, cant get through, extreme wait times, and IVR systems that take you around in circles

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 2020-12-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
XXXX is trying repo my XXXX XXXX XXXX XXXX. XXXX. So XXXX XXXX made the orig. Loan w/me on XX/XX/XXXX and that max amount is {$7600.00}. So all payments were made by me and they declare this are 25 payments begin on XX/XX/XXXX to XX/XX/XXXX, I added are of total {$7600.00}. Now they some one else named XXXX telling me they will not release my auto title until I pay the whole principal loan back or else interest keeps rising. So they are demanding I pay them $ {$2100.00} or else they are going to claim I defaulted on this loan, then steal my car. At gunpoint with XXXX  Sheriffs. So this is a crime under penal code 484 and felony crime under Penal Code 487. They got XXXX and have someone telling me his XXXX gang members will kill me if I say anything He idenifies himself as XXXX. I ask him for last name tonight he said XXXX and refused to supply his last name. So I asked where is XXXX XXXX? He replied he didn't know. XXXX in XXXX XXXX should be charged with felony attempted theft and felony attempted car theft, and spend prison time. I've kept this really running good and spent hundreds to keep thisvcar in good shape. If I recieve no reply and XXXX  show up and steal my transportation I swear to XXXX XXXX California and their officials and officers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Sent letter 90 days ago heard nothing back, tried calling no answer, cant get through, extreme wait times, and IVR systems that take you around in circles

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 2020-12-16 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Sent letter 90 days ago heard nothing back, tried calling no answer, cant get through, extreme wait times, and IVR systems that take you around in circles

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding multiple inaccuracies on my credit report. It has been over 45 days and I have NOT received a response. My disputes are being ignored and I feel like I am being taken advantage of. I demand the immediate removal of these items as Section 611 ( a ) states that failure to investigate these items within 30 days results in immediate removal of disputed items. Additionally, my information was impacted by the XXXX  data breech and it may have been compromised. I will take legal action to protect my name, standing, as well as for the undue stress that this has caused if this situation is not remedied. Again I demand that these accounts be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: AZ

Complaint narrative:
On XXXX XX/XX/2020, I used my monthly subscription to Experian 's " Experian CreditWorks Premium '' service to get my new credit report and credit score. The new report stated I did not have a credit score as I had no activity on any of my accounts. This is incorrect, and I contacted both my bank ( XXXX XXXX XXXX XXXX, with whom I have my XXXX  and only credit card ), and Experian to ask why, as of XXXX XX/XX/2020, my score was XXXX, and now, despite continuing to pay my credit card off in full each month, my score was XXXX. XXXX insisted that they have not changed how they report my credit information, and they confirmed that I continue to pay my credit card bill as required and in full each month. Experian insisted that it's either FICO 's or XXXX 's fault for showing " no activity for six months '' that would allow them to calculate my credit score. Again, less than two months ago ( the last time I refreshed my credit report ) my score was XXXX ; now it's XXXX XXXX XXXX XXXX. The only thing I can think is that because I'm disputing one charge on my XXXX credit card ( I reported and initiated this dispute with XXXX on XXXX XX/XX/2020, and as yet, they have not adjudicated my dispute ), Experian is taking it upon itself to deny me the ability to have a credit score, since my one credit card account is in dispute ( though as I wrote, I still pay it in full each month ).

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 2020-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
I have a collection on my credit report that was opened on XX/XX/2020 for {$1800.00} that I was not aware of until this year when I checked my credit score, it brought my credit score down. I have been through a lot during this pandemic and still going through a lot of financial situations and Im unable to pay this amount and need it remove please because I was not aware that I owed this amount

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 2020-12-16 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: CITIBANK, N.A.
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-12-16 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: DISCOVER BANK
State: MD

Complaint narrative:
Im very frustrated and confused as to why I still have inaccurate late payments being shown on my Discover Card. I disputed these inaccurate late payments so many times. Im about to get married, and start a family with my wife. But I dont have my own home. I want to buy my first home so badly. But these late payments are really hurting it and preventing me from qualifying for a home. I really, really, REALLY like being a Discover customer but I wish they would put the effort into looking into my concerns about the inaccuracies on my credit report. I want these late payments updated to current and paid as agreed. 
I called XXXX  on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I called XXXX  on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I called XXXX on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I mailed out letters to XXXX, XXXX, and XXXX  on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 This account is inaccurate because - XXXX  states 30 days late on XX/XX/XXXX but XXXX  and XXXX  state OK - XXXX  and XXXX  are reporting correctly. 
- XXXX  and XXXX states 30 days late on XX/XX/XXXX but XXXX  states OK - XXXX  is reporting correctly. 
- I disputed these late payments multiple times, by law if I dispute an account it should state so in the Comments and it doesnt. This is a VIOLATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I submitted disputes XX/XX/2020 and have YET to receive any indication of an investigation being started. I feel like I'm being toyed with and taken advantage of at this point. According to the FCRA credit reporting companies must investigate items in question within 30 days. It's been over 30 days and still nothing. Please resolve this and delete all inaccurate/unverifiable items 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 explanation
Consumer complaint received 2020-12-16 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: MD

Complaint narrative:
Im very frustrated and confused as to why I still have inaccurate late payments being shown on my XXXX XXXX. I disputed these inaccurate late payments so many times. Im about to get married, and start a family with my wife. But I dont have my own home. I want to buy my first home so badly. But these late payments are really hurting it and preventing me from qualifying for a home. I really, really, REALLY like being a XXXX customer but I wish they would put the effort into looking into my concerns about the inaccuracies on my credit report. I want these late payments updated to current and paid as agreed. 
I called TransUnion on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I called XXXX  on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I called XXXX  on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I mailed out letters to TransUnion, XXXX, and XXXX  on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 This account is inaccurate because - XXXX  states 30 days late on XX/XX/XXXX but TransUnion and XXXX  XXXX OK - TransUnion and XXXX  are reporting correctly. 
- TransUnion and XXXX  states 30 days late on XX/XX/XXXX but XXXX  states OK - XXXX is reporting correctly. 
- I disputed these late payments multiple times, by law if I dispute an account it should state so in the Comments and it doesnt. This is a VIOLATION!

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 2020-12-16 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Im very frustrated and confused as to why I still have inaccurate late payments being shown on my XXXX XXXX. I disputed these inaccurate late payments so many times. Im about to get married, and start a family with my wife. But I dont have my own home. I want to buy my first home so badly. But these late payments are really hurting it and preventing me from qualifying for a home. I really, really, REALLY like being a XXXX customer but I wish they would put the effort into looking into my concerns about the inaccuracies on my credit report. I want these late payments updated to current and paid as agreed. 
I called XXXX  on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I called XXXX  on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I called Equifax on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I mailed out letters to XXXX, XXXX, and Equifax on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 This account is inaccurate because - Equifax states 30 days late on XX/XX/XXXX but XXXX  and XXXX  state OK - XXXX and XXXX are reporting correctly. 
- XXXX  and XXXX states 30 days late on XX/XX/XXXX but Equifax states OK - Equifax is reporting correctly. 
- I disputed these late payments multiple times, by law if I dispute an account it should state so in the Comments and it doesnt. This is a VIOLATION!

Company response to consumer: Closed with explanation