vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was scam by a company that called XXXX XXXX XXXX. On the XXXX of XX/XX/XXXX at XXXX XXXX  I received a message via Messenger from my supervisor XXXX XXXX that I worked with at XXXX XXXX by the XXXX XXXX stating that the company will give me a certain sums of money if I pay a certain sums and it is not a loan because I don't have to pay it back. She wasnt working alone she worked with a man but i dont remember his name. She would text me on messenger on what to do and then text the man to carry out the transactions. Before I reported them to my bank and XXXX he use to text me from this number XXXX ( I dont have these text because i deleted it ) which they didnt use anymore so the man started to text me from another number which XXXX ( i have those text messages. She even acted like shes helping me out by sending money to the person too. Even my brother got involve Because he was the one that helped me with some of the money to pay him. I was skeptical but it was my supervisor so I trusted her. First she said I must buy a {$100.00} XXXX card and send it to the person she's working with at the company so I did. On the XX/XX/XXXX I send my first transaction of {$700.00} dollars ( note all my transaction is through XXXX from my BBT bank account ) the email address is XXXX XXXX  XXXX. And the verification number is XXXX And here is the follow transaction that I made also 1. XX/XX/XXXX amount {$850.00}. Verification # is XXXX 2. XX/XX/XXXX amount {$700.00}. Verification # is XXXX 3. XX/XX/XXXX amount {$960.00}. Verification # is XXXX THESE TRANSACTIONS ARE FROM THAT EMAIL ADDRESS STATE ABOVE. Now from a different email address on the XXXX/XXXX/XXXX amount {$500.00} to XXXX. Verification # is XXXX. From another email address XX/XX/XXXX amount {$500.00} to XXXX. Verification # is XXXX. And another email address XX/XX/XXXX amount {$300.00} to XXXX. Verification # is XXXX. AND XX/XX/XXXX amount {$700.00}. Verification # is XXXX. And the last transaction i made was on the XX/XX/XXXX email address XXXX the amount {$300.00}. So in all they scammed me {$5500.00} dollars. I attached my bank information with all the transactions. If you need any additional information I will gladly provide 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 2020-05-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6700.00}, {$0.00}, {$440.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not 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 2020-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Augusta Collection Agency, Inc.
State: GA

Complaint narrative:
I AM REQUESTING VALIDATION FOR THESE ACCOUNTS SHOWING ON MY CONSUMER REPORTS!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I AM REQUESTING VALIDATION FOR THESE ACCOUNTS SHOWING ON MY CONSUMER REPORTS!

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 2020-05-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: DLC, LLC
State: NV

Complaint narrative:
The loan Company Dollar Loan Center reported i was 30 to 90 days. I called and caught of tge payment, made it current and I was told that the wouldnt report to the credit bureau, if I paid all the past due interest and made it current. I was told due to Covid 19 they wouldn't report it. The still reported it and it was only 30 days and I paid the interest and made it current. It should have never been reported due to agreement and Covid 19 policy for the company. I

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6700.00}, {$0.00}, {$440.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of  verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not 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 2020-05-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I disputed several collections on my credit report and asked equifax to investigate. They came back with verified but they never investigated it. When I complained I was told I needed to contact the " collection/creditors '' myself to get more information. So I sent certified mail with signature return letters asking for documentation or some type of validation, a contract or signature or any type of details that proved this belonged to me. I got a bill instead. They offered no proof or details what so ever. So I contacted Equifax again and sent all the documents from the certified mail, to the signature cards, to the responses and they sent me back a response that they updated the accounts. I had told them that these companies are refusing to give me any documentation or proof of these so call debts and that I need them either to give me proof or documentation and method of verification and they said it was up to me to prove they weren't mine. How can I prove a negative? The ones reporting should have to prove and provide their method of verification. Equifax has me jumping through hoops and not providing any resolution on this. When I called them I got a XXXX XXXX XXXX which is part of their company. I asked and asked for help with this matter and all they wanted to do was sign me up for their services. They would take care of it if I paid them money. I refused and demanded to talk to Equifax. After 3 different phone numbers I finally talked to Equifax that said they  couldn't do anything that I needed to contact the collection/creditors. I explained I already had done that and they wouldn't provide any information. I was then told once again that it is up to me to prove these do not belong to me. A run around. The same XXXX over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
XXXX XX/XX/2020 I requested for a Loan Modification/Forbearance for my mortgage they replied in writing on XX/XX/2020 they denied my Loan Modification for insufficient surplus and denied my Forbearance Repayment Plan request for insufficient surplus and Special Forbearance for temp workout and permanent hardship it was my understanding when the CARES ACT 2020 was signed into law on XX/XX/2020 no matter the status of my delinquency if a borrower has a federally back loan I have a VA Loan that they are protected supposed to approve 180 days of forbearance and if my financial situation doesn't change I'm suppose to get another 180 days of forbearance I don't understand why they denied my forbearance request when CARES ACT has directed the lenders with federally back loans are suppose to approve the forbearance my financial situation has changed since XX/XX/2020 I have paid off my truck and motorcyle loan and I officially retired from my employer on XX/XX/2020 will star recieving check on XX/XX/2020 which gives me an extra income of {$2200.00} I sent an appeal letter on XX/XX/2020 stating these facts to my lender but since they totally ignored Forbearance under the CARES ACT I don't believe that they will work with me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: PNC Bank N.A.
State: FL

Complaint narrative:
PNC won't connect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citibank is refusing to honor its offer of XXXX XXXX XXXX miles in return for opening a new account, paying online bills on the account, and using the account 's debit card to make a certain amount of purchases. I fully complied with the terms of the offer, yet Citibank is refusing to give me any of the miles it owes me. 

In XXXX or XXXX of last year, I received in the mail a brochure offering XXXX Aadvantage miles if I opened a Citi Priority Account package of {$50000.00} or more, spent {$750.00} on purchases with the account 's debit cards within 60 days, and made a qualifying bill payment for two consecutive months within the same 60-day period. On XX/XX/XXXX, I opened the account package at the Citibank branch at XXXX XXXX XXXX in Washington, DC. I presented the brochure to bank officer XXXX at the branch and he assured me that I would get the XXXX miles if I opened the account and fulfilled the rest of the terms with the debit card purchases and the bill payments. He added that IN ADDITION to the airline miles, I would receive a {$600.00} bonus for opening the account package. 

I opened the account package, and made the debit card purchases and bill payments within the 60 days. On several calls to Citibank 's national office, company officials confirmed I had complied with all the terms and would soon be receiving the miles. Yet I kept checking my Aadvantage account and seeing that the miles hadn't been added. Finally, when I called the national office in XXXX, the official suggested I talk to the branch manager at the location where I opened the account, and that's what I did. 

Yet when I talked to the branch manager, XXXX XXXX, she told me something completely different from everything I had been promised by XXXX and the officials on the phone. She said that because I received the {$600.00} bonus, I would not be receiving the XXXX miles. I told her that XXXX assured me I would receive both the miles and the bonus when I opened the account, and she conceded I made a mistake. She said he was mistaken. She told me I may be able to still get the miles, but only if I forfeited the {$600.00}. 

This is not acceptable to me. Had I been offered the choice as either/or at the time, I would have chosen the miles. But now I find it extremely problematic to forfeit the {$600.00} after being promised both. First, I think companies like Citi should keep their word. Second, I've already budgeted the money. And third, I've already received a 1099 tax form for the {$600.00}, so I'm expected to pay taxes on money I would now have to give back. 

Please help me and other consumers by ensuring that Citibank keeps its word on its offers to consumers.

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 2020-05-30 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have filed a dispute In regards to the incorrect items on my credit report. It has been well over 30 days, and I have not received any investigation results.

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 2020-05-30 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 — Investigation took more than 30 days
Company: Titan Receivables, Inc.
State: CA

Complaint narrative:
I have filed a dispute In regards to the incorrect items on my credit report. It has been well over 30 days, and I have not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Check my credit report and see a company called IC System have put negative and false information on my credit report.Never heard of the company.they are saying I owe them {$320.00} which I dont owe them anything. They need to provide me with documentation showing I owe this bill!!!! And remove this information off my 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 explanation
Consumer complaint received 2020-05-30 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I have tried numerous times to dispute the fraudulent information ( I am the victim of identity theft ) with Experian. They are the only credit bureau that will NOT investigate my items and remove them in accordance with the FCRA. 
I have recently contacted my lawyer and we filed and FTC ID Theft Affidavit ( again ) and obtained the police reports I originally filed. ( Experian has all this information ). 

I have sent Experian my 605B letter, ID theft affidavit and all required documents yet none of the fraudulent information has been blocked from my report. This is a violation of the FCRA.

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 2020-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I called the Chase Covid-19 Relief Payment Assistance line ( XXXX ) XXXX on XX/XX/XXXX, XXXX, XXXX and XXXX and I am going to continue to call them asking for a lower interest rate due to my unemployment since XX/XX/XXXX. 

Each time they said they couldn't lower my rate from the " prime '' 23.99 % I am currently at because in the last year it had dropped from 25.99 %. 

Regarding my Chase Freedom card : On XX/XX/XXXX I was charged {$210.00} in interest. 
On XX/XX/XXXX I was charged {$210.00} in interest. 

Regrading my Chase Freedom Unlimited card : On XX/XX/XXXX I was charged : {$54.00} in purchase interest & {$110.00} in balance transfer interest totaling {$160.00} in total interest. 
On XX/XX/XXXX I was charged : {$61.00} in purchase interest & {$110.00} in balance transfer interest totaling {$170.00} in total interest. 

This is insane & unreal ( and didn't it used to be illegal aka : " usury ''? ) especially considering XXXX XXXX, with whom I have had years of issues, dropped my rate across 2 personal and 1 business account with a collective {$33000.00} ( way more than with Chasxe ) of debt dropped my interest rate to 5.99 % FOR THE NEXT 12 MONTHS!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Circle Internet Financial

Complaint narrative:
I am speaking for myself and on behalf of several friends who engage with this cryptocurrency exchange Poloniex operating in the US, and elsewhere, under the parent company Circle. 

Poloniex has developed the practice of delisting coins and after a certain amount of time has lapsed, they remove the ability of the user to access the money, ever again. They list and delist coins frequently, creating confusion, and while they send out emails to users, marketing emails from them are frequent and thus all communication is easy to ignore due to being misconstrued as spam. 

The exchange profits enormously from this process by the fact that money that once belonged to its customers, overnight - like magic - suddenly belongs to the exchange itself. 

I've attempted to follow up with support and without even a discussion, they said that there was nothing they could do and my money was lost. 

Strongly suggest nobody sign up to this exchange, as shockingly, even without a hack, you might lose all of your funds. 

Imagine any other custodian of funds doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Would like to close Business Checking account effective today XX/XX/2020. 

We tried calling in but they were closed and online it wouldnt let us close it. We would not like to incur and additional fees and would like the account closed immediately. We just dont know if or when our business will resume.

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