vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: United National Services
State: FL

Complaint narrative:
Account under XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Currently I'm having problems with premier credit card. For long period of time I've been trying to lower down my internet with this company. So I can pay them off finally. I noticed most of my payments is just basically going to interest and bailing nothing is going to principal. I tried to negotiate a monthly payment that I could afford that will allow me to pay off this credit card faster. However I'm denied each time. I currently hold two credit cards with this company.. which I would like to merge into. And just make one payment and pay them off. 

I try to see many ways with this credit card company, to work more out with a payment plan and lower it down the rates in order for me to pay this off. Only this company will not work with me. However, they keep increasing the minimum monthly payments that is causing me problems to keep up. Knowing I can not really afford that. Which is causing me financial problems in the long run. I need this credit card company to work with me on both of my credit cards with them. 

With the interest rates being so completely high it's making it impossible for me to keep up.. it's causing me problems financially..

Company response to consumer: Untimely response
Consumer complaint received 2021-06-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Thank you in advance for your assistance. I have been trying to get this issue resolved with Equifax for some time now. I notified them that some has been trying to open accounts with XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX in my name. I did not apply for anything. I have attached an identity theft report to have these things deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
My phone wallet was stolen and there was numerous fraud instances on the cards and accounts. BofA honored the other fraud claims, but XXXX ( which I have never personally used, NEVER HAD A XXXX ACCOUNT ) did not honor, despite the fact that there was a police investigation and a clear perpetrator to the crime. The funds were taken from my BOFA checking account. I reached out to XXXX more than 6 times and each time they said they were investigating. The police detective was XXXX, XXXX XXXX ( XXXX  ) XXXX and the case number was XXXX. 

XX/XX/2020 XXXX Transfer Conf # XXXX ; XXXX XXXX XXXX XX/XX/2020 XXXX Transfer Conf # XXXX ; XXXX XXXX XXXX XX/XX/2020 XXXX Transfer Conf # XXXX ; XXXX XXXX BOFA keeps refering me to XXXX and ... .. 

At this point I've filed a complaint with the XXXX  and this is the response from XXXX : " Based on the information you provided, this occurred directly through your bank or credit union. It isimportant to note that XXXX does not hold or handle any money. XXXX provides messaging between the senders bank or credit union and the recipients bank or credit union to facilitate the payment between the two bank accounts. All transaction and/or profile information for XXXX is maintained by your bank or credit union. 
If you have not already done so, we recommend contacting your bank and filing an unauthorized payment dispute. "

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 2021-06-24 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: DISCOVER BANK
State: CT

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft DISCOVER FIN SVCS XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24 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: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

2. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

3. Identity Theft U S DEPT OF EDXXXX Account Number : XXXX This is not mine. 

4. Identity Theft U S DEPT OF EDXXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
There was unauthorized access to my PNC bank account and a unauthorized transfer of money was made totalling XXXX USD the transfer was made via XXXX, and it was done without my knowledge, and without my permission. My PNC has told me that it's against XXXX 's policy for them to do anything about it. After calling XXXX and explaining to them the situation and what happened exactly their representatives told me that it isn't against their policy for my bank to get the money back. They informed me that unauthorized fraud XXXX can be reversed but my bank PNC has to do it since the unauthorized payment was done through them via XXXX but not directly through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
Barclays Bank completely mishandled my account, by placing a decease indicator on my account that rendered me unable to discuss or resolve my account with them. This then led to this account reporting a late payment on my credit report showing for XX/XX/2020, and subsequently a charge - off on my report for this debt. 

The facts are egregious, the mishandling of this is rather silly, and Barclays Bank really does not take any ownership of the mistake they made, nor have they shown any willingness to fairly, amiably, and equitably resolve this matter. 

I understand the confusion that them thinking I am deceased can cause, but once that has been proven to be false, I expected a swift resolution to the delinquent status of the account. However, because of the decease indicator, they refused to accept a payment, ultimately shuffling me between departments for HOURS on ends, from one confused foreign representative to another. Further, I have recently discovered that XXXX had the audacity to place the account with a 3rd party debt collector, further impacting me for something that was NOT MY FAULT.

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 2021-06-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is a company reporting on my credit report by the name of XXXX XXXX. I have never heard of this company or even seen them in my area. This is really hurting me because I was involved in an accident and Im not able to do much right now. This is causing me emothional distres because I have been denied for jobs because of my credit. I did not give them permission to do anything to my report and I dont even know how they got my information.

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 2021-06-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is a company reporting on my credit report by the name of XXXX XXXX. I have never heard of this company or even seen them in my area. This is really hurting me because I was involved in an accident and Im not able to do much right now. This is causing me emothional distres because I have been denied for jobs because of my credit. I did not give them permission to do anything to my report and I dont even know how they got my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: MO

Complaint narrative:
I have repeatedly requested for Experian to remove an incorrect derogatory item from my credit report without success, even after uploading documentation, since XX/XX/2020. 
It concerns : XXXX XXXX, Debt Buyers, for an account originally owed to XXXX XXXX, for XXXX and failure to be co-operative and transparent when inquiries are made.

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 2021-06-24 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: FL

Complaint narrative:
Im a repeated victim of identity theft. Ive filed a report with the XXXX XXXX XXXX Police Department. Case # XXXX! Someone has also filed unemployment in my name. 
The following accounts are fraudulent 1.XXXXXXXX XXXX XXXX XXXX {$1600.00} 2. XXXX {$580.00} 3. XXXX XXXX ( XXXX ) {$380.00} 4. XXXX XXXX XXXX {$590.00} Ive never done business with these company or entered into a signed contract with these companies. All list accounts are fraudulent!!

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 2021-06-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im a repeated victim of identity theft. Ive filed a report with the XXXX XXXX XXXX Police Department. Case # XXXX! Someone has also filed unemployment in my name. 
The following accounts are fraudulent 1XXXXXXXX XXXX XXXX XXXX {$1600.00} 2. XXXX {$580.00} 3. XXXX XXXX ( XXXX ) {$380.00} 4. XXXX XXXX XXXX {$590.00} Ive never done business with these company or entered into a signed contract with these companies. All list accounts are fraudulent!!

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 2021-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
Daily phone calls I don't answer and they leave no message. XXXX check flagged the number as a scam. Today 's call was XX/XX/21 at XXXX. XXXX complaint identified the number to Sequium Asset Solutions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
problem was not resolved

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 2021-06-24 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: FL

Complaint narrative:
Im a repeated victim of identity theft. Ive filed a report with the XXXX XXXX XXXX Police Department. Case # XXXX! Someone has also filed unemployment in my name. 
The following accounts are fraudulent 1.XXXXXXXX XXXX XXXX XXXX {$1600.00} 2. XXXX {$580.00} 3. XXXX XXXX ( XXXX ) {$380.00} 4. XXXX XXXX XXXX {$590.00} Ive never done business with these company or entered into a signed contract with these companies. All list accounts are fraudulent!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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:
I created an account with Coinbase. They have a recurring purchase feature. I intended to purchase on the XXXX and XXXX as described on the sales page. What was not disclosed is that when you set up a recurring purchase you will also initiate an additional purchase on the same day. That is not what a recurring purchase is. In fact it is a one time purchase plus additional recurring purchases. I sent several email to coinbase asking them to retun the money from the additional purchase and the did not respond directly. 

On XX/XX/XXXX Coinbase confirmed their practice : ***************************** From : Coinbase Support XXXX Date : Friday, XX/XX/2021 at XXXX XXXX To : " XXXX '' XXXX Subject : [ Reply ] Case # XXXX - Recurring purchase Hello XXXX, Thanks for contacting Coinbase. 

Be advised that when you set up a recurring purchase, a one-time buy for the recurring purchase amount will execute immediately. If you set up a recurring purchase for {$50.00} worth of ETH each month, you will also execute a one-time buy of {$50.00} ETH at that moment .... 
***************************** The one-time buy is not mentioned anywhere, the sales functionality is misleading. 

Coinbase has closed several cases with me without giving me direct answers. 

XXXX # : # XXXX, # XXXX, # XXXX, # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: N26 Inc.
State: OK

Complaint narrative:
Received a notification from my banking app with N26. Was told that I needed to resubmit my identification again, for security reasons. I submitted my ID again to the app. This was yesterday on XX/XX/XXXX. Today, on XX/XX/XXXX, I receive an email that my account is now closed with no warning. I call N26 up on the phone, and after being on hold for 2 hours, I'm told my account was closed because of a new system update in place, I can open a " new '' account, and I may not speak to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXXXXXX  Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft SYNCB/PAYPAL Date of inquiry : XX/XX/2019 This is not mine. 

4. 01 XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: KEYCORP
State: WA

Complaint narrative:
Key Bank decided to implement a 'maintenance service fee ' of {$7.00} for an account with a {$6.00} balance in order to send the an auto-pay into negative account balance and charge an overdraft fee. 

When it was all said and done, Key Bank was able to turn a {$6.00} positive balance into a negative - {$76.00} one, with fees totaling {$82.00} which Key Bank decided to try and help themselves to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-24 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: NY

Complaint narrative:
I am a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: VI

Complaint narrative:
I know nothing about this loan. I never bought this car or made any payments. This is not my doing, I have no knowledge of this loan. My identity was stolen this account doesnt belong to me.

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 2021-06-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It shows there are 2 late payments in my XXXX XXXX XXXX account XXXX, in XX/XX/XXXX and XX/XX/XXXX. The reason for these 2 late payments are I rarely use this card, it at the beginning didn't charge annual fee, but suddenly start to charge annual fee on XXXX XXXX without notifying me. No email notification, no text notification. Even 1 month later they didn't notify me of the late payment. 2 month later, I see the amount myself, and call to the company to argue why they are posting this and even charge me late fee, they should refund me. They refuse to refund me, and can not provide any prove that they notify me in any way. I am so angry, I have to pain in full and close the account. But this late payment record stay in my credit report for 7 years. I call Experian to dispute this one, they said the company just said it is 2 late payments indeed. It is unfair, now it even don't know how much money in the late payments, a few dollars becomes 2 late payments, penalize me for 7 years. The company can really do whatever they want.

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 2021-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
I went to log on to my Coinbase account and upon doing so, the screen started blinking and went " white '' ... .over the course of time, I found out that there were unauthorized transactions of converting my XXXX XXXX XXXX to XXXX, then moving the XXXX XXXX out of my account, leaving my account balance at XXXX from {$55000.00}. I held XXXX, XXXX, XXXX, XXXX and XXXX. All were converted to XXXX, then sent to external address XXXX. All of these transacttions took place in less than two minutes. Coinbase showed no evidence of knowing their customer, halting these transactions or even questioning them. I have never sold my holdings in the life of my account.

Company response to consumer: Closed with explanation