vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My identity was stolen, after I learned of this I contacted all my financial institutions including PayPal. It was very hard to get a hold of someone to on the phone. Then because my account was stolen it was even harder to contact you guys over the internet. I left many messages to you all but never heard back. At one point I got ahold of someone and we went through all the money that had been taken unlawfully or fraudulently. A case was opened and in a short time after closed, not by me but Im assuming you all or the person who stole my account. At that same time I went in and verified some things for you all. I was let back into my account and I updated everything. At this time my bank account had already blocked this account from spending my money. I believe that should have been a red flag for you all. However it wasnt. My biggest concern now is that theres another bank account in my name thats being used on my account. If that is the truth then those are both fraudulent accounts. You guys have not talk to me since you will not return any of my phone calls you will not return any of my emails Im guessing you think I am the identity theft thief, but you couldnt be further from the truth. I am in fact XXXX XXXX. I have had this account for years like over 15 yrs, and Im so surprised you all didnt see the big change in the characteristics of spending money. I never had a small business as well, it was added by the person who stole my identity. I want to see my accounts spending for the past 8 years, as Ive been told it is about that long if not longer that this has been going on. Im needing your help to solve this, I cant do it alone. Thanks for reading Im hoping to hear back from you. The stolen account email is still being used, I begged yall to delete it in our one and only conversation, you said it would be done immediately but this was back in XXXX of last year 2020. I need answers and help with my account. There is not a good telephone number that you all can be reached at, as well as there is not a good way to get in touch with you unless you have a PayPal account. Im wondering if there is a number or a better way of communication that you all could give me. I have tried everything and you guys are just so hard so very hard to get a hold of by phone or email or any communication means. Thank you again for reading and I hope to hear from someone soon,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I tried to call the person that scammed me to get my money back but of course he disappeared, so I called my bank and explained that I was scammed and asked if they could help but they said because it was through XXXX, they were unable to do anything. So I called XXXX and they said since it was through my bank that I had to call them. I called them again to try and resolve this issue and they continued to say they could not help me. I lost {$740.00} to a scammer and they say they can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: Winklevoss Exchange LLC
State: NV

Complaint narrative:
I have been trying to withdraw and transfer USD and cryptocurrency from my Gemini wallet but have been unable to.

When I reached out to Gemini support about the issue, they immediately restricted my account ( without explanation ). Any further attempts to reach out to Gemini support resulted in no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: CITIBANK, N.A.
State: UT

Complaint narrative:
XXXX XXXX XXXX is reporting a debt that is not mine. I recently checked my credit file and noticed this debt reporting on there. It looks like they are trying to collect for Citibank? I have never had an account with Citibank for as long as I've been alive. This account must be fraudulent and I have filed a police report for this account. I ask that during this investigation period XXXX XXXX remove all negative reporting from my credit file and such deletion letter will be provided to me. XXXX unvalidated debt on credit could constitute fraud under both federal and state laws so I ask that XXXX XXXX remove this account 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 2021-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi, I have had a credit card with Citibank for 8 years. In XXXX, my card expired and I asked for a new one. The company refused on numerous occasions to issue me a new credit card, however, left my account open and it still shows as an open account on my credit report. I was told they refused to issue me a replacement card because of a debt that was owed from XXXX that was then added to my credit report in XXXX. I was contacted by a law firm representing a company that had purchased the debt from Citi bank and was told by Citibank that I was not allowed to have a new replacement card until I paid the debt. Upon speaking with the lawyer on the phone, he said that the debt was opened in XXXX, which was a XXXX, it was opened in XXXX when I was in college. I had not heard from Citi or anyone regarding this debt for years until XXXX and this situation came up. I negotiated a lower payment with the law firm and contacted Citibank for a replacement card since the debt had now been paid. They continued to refuse me a replacement card, hanging up on me on the phone as well. I to this day still have an open credit card account with Citibank that is XXXX years old, with no payments due, XXXX balance, and am still refused a replacement credit card, even with the previous debt that is XXXX years old now being rectified.

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 2021-04-23 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: FORD MOTOR CREDIT CO.
State: MN

Complaint narrative:
An account that were previously held by Ford Motor Credit Company is reporting wrong. The account was included in a Discharged Chapter XXXX Bankruptcy but on my credit reports the account in question still shows late payments and not the proper reporting. Under the Fair Debt Collection Practices Act, the account should show " INCLUDED IN BANKRUPTCY '' and should have previous late payments and Metro 2 data showing charged off account not showing up.There are numerous issues with the reporting that violates the law. When I disputed this issue with XXXX  and XXXX, the Credit Bureaus deleted the account for violations against the Fair Credit Reporting Act. When I first noticed the issues were in XX/XX/2021. When I noticed the issue, I disputed it with Ford Motor and the CRA 's. Ford Motor didnt furnish the credit bureaus with the required disclosure, within the period required by law. They are required by law to place a notice of dispute on my account within 30 days of my dispute, which you signed for XX/XX/2021. I have retained a copy of their signature and date of receipt, as well as time stamps of my credit reports showing that you violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30 day period. Im requesting Ford Motor Credit Company delete these two accounts off of my credit reports for good for violations against the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit
State: CA

Complaint narrative:
XXXX XXXX Tel : XXXX XXXX XXXX Lender Dispute : VW Credit Please see attached : The original contract which outlines the vehicle lease terms. I can't locate a signed copy but would appreciate it if the Lender provided one. 

Copies of insurance certificates, proof of complete coverage on the vehicle in question up until the lease term expired. I inadvertently forgot to cancel the monthly insurance and carried it for a few extra months. 

The car was turned in to the XXXX XXXX dealership in XXXX of XXXX. On the day before the lease expired. The vehicle was not a voluntary repossession. 

Two separate credit reports are attached. One mentions a {$5000.00} balance in XX/XX/XXXX. In XX/XX/XXXX, my XXXX  credit report showed XXXX, no outstanding balances for an auto loan. I've attached copies of the current reporting on my XXXX XXXX, and XXXX  reports, where they are incorrectly reporting 46 late payments. I want both agencies to remove this incorrect information.

Emails from Audi reps offering me different options to lease a new Audi. In one email, the representative mentions my payment status. No delinquent balance and four months remaining on the lease at the time of their offer. Why are they charging 46 payments as late? And charging me in XXXX, XXXX, XXXX when there was no active lease. 

I have disputed the VW item with XXXX, and it was removed from my credit report. They did their proper diligence, and I appreciate it. 

XXXX radio was still active when I made my final payment to fulfill the terms of the VW Loan.

At no time have any Audi representatives, or anyone from the VW loan department contacted me regarding the lease and alleged default or loan terms. No phone calls, no letters, no emails other than offers to lease another new vehicle. I'd be more than willing to review any correspondence if produced by VW Credit or an Audi dealer. I have seen absolutely nothing from them. I've requested copies of my payment ledger many times to no avail. 

The car was not repossessed. The lease 's full terms were met, and I'm requesting that the derogatory missed payments please be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: TX

Complaint narrative:
On XX/XX/2021 I have been reaching out to all three credit bureau to remove all unverifiable and negative information off my credit report. I have had no updates. 
Please have them update and remove the information off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: GA

Complaint narrative:
Per the Bank Statements uploaded with this Complaint, at some point before XX/XX/XXXX, I made my last transaction in my USBank checking account. On that day, my account had a balance of {$64.00}. For the next nine months USBank levied a {$6.00} " Monthly Maintenance Fee '' against my account. On the tenth month, in XX/XX/XXXX, USBank levied a fee of {$2.00}, which brought my account balance to {$0.00}. In XX/XX/XXXX, my account balance remained {$0.00}, no maintenance fee was levied, and my account was closed and no further statements were generated. 

That is, until Five months later, on XX/XX/XXXX -- without my permission or knowledge -- USBank reopened the account for the sole purpose of levying a " monthly maintenance fee '' in the amount of {$6.00}. As it was a closed account with a zero balance, the fee brought the account negative. For the next three months, until XX/XX/XXXX, USBank compounded fees upon its fees, utilized a " reserve line '' ( I never established or authorized ), and assessed all manor of penalties against this account and compounded the benefits of its prior fraud. 

The account statements, which I only acquired recently after hours of negotiations with USBank representatives, end on XX/XX/XXXX. By that time, USBank had attempted to pay itself around {$80.00} of fees and " protection. '' Years later, I ran a credit report and discovered that USBank had " charged off '' {$170.00} in XXXX or XX/XX/XXXX. It is still unclear how USBank arrived at that number, and no representative could provide me the answer. 


There are three issues : ( 1 ) USBank reopened a closed account -- without authority or permission -- for the sole purpose of levying a maintenance fee. 
( 2 ) USBank had no contractual " right '' to levy a maitenance fee against a a {$0.00} balance account as evidenced by its failure to do so in XXXX and XX/XX/XXXX and XXXX, XXXX, and XX/XX/XXXX. Its fee in XXXX was a breach of the contract. And to the extent that USBank argues it had that contractual right to levy a maintenance fee against a {$0.00} balance account, any contractual " right '' to do so was waived by inaction. 
( 3 ) USBanks ' consumer checking account agreement states that an account will become dormant after 12 months of inactivity. My account had no activity in the twelve months leading up to XX/XX/XXXX, and likely before. USBank breached the agreement by not rendering my account dormant prior to XX/XX/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 monetary relief
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: UT

Complaint narrative:
Recieved a call from gccollection XXXX This wasn't my first call from this number they had called in the past asking if I were myself. At an address in XXXX. Which I don't live in XXXX so I ignored them. This time around I recalled my car was registered in XXXX so it might be somthing I should ask them about. 

The lady on the phone gave me my actual account number to my XXXX  XXXX  account, an address listed under a car I own in XXXX utah, and 2 dates that match a time were i had actually owed XXXX  XXXX. 
She also gave me a subscriber #, and amount owed. Apoun calling XXXX  XXXX I was told I don't owe any money on XXXX  XXXX, and that this must be fraud. 
The email, and number I was given to contact this company back to pay the supposed debt is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: NY

Complaint narrative:
I received my stimulus check of {$1400.00} I cashed the check through PayPal I sent a photo ID from the XXXX XXXX New York XXXX with a picture of myself alive picture shot I was able to take out {$700.00} after taking out the {$700.00} PayPal put up a message saying that I was not able to use the account for 180 days or take my money out I am a person that has mental health issues XXXX I live in a shelter this money is important to me for me to travel for me to get food for me to obtain daily items I have XXXX as well and panic attacks this has caused me a lot of stress I've had XXXX XXXX in the last week alone due to this. I have not committed any fraud or anything wrong so I don't not understand why they withholding my money especially at a time like this my email is XXXX. they have withheld my money I've called them to no avail for over a month already I need my money released so I can pay for medication and food can you please email me back or try to help me resolve this issue thank you very much for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered that XXXX # XXXX, XXXX AND XXXX XXXX XXXX, XXXX AND XXXX XXXX XXXX, has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX # XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX, XXXX AND XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than needed dealt with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPAA authorization.

1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

3.Cease any credit bureau reporting until the debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.

Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered that XXXX # XXXX, XXXX AND XXXX XXXX XXXX, XXXX AND XXXX XXXX XXXX, has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX # XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX, XXXX AND XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than needed dealt with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPAA authorization.

1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

3.Cease any credit bureau reporting until the debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.

Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

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 2021-04-23 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I submitted proof of never being late including confirmation from the credit card companies confirming that payments were received but XXXX  still did not removed the late payment history on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
***PENDING LITIGATION*** I have supplied Experian with all the evidence previously by disputes through the CFPB and disputes through the mail about why the bankruptcy against me is inaccurate and unverifiable. I sent all the evidence to Experian 's legal team more than thirty days ago and still haven't received a response back. Experian 's willful neligence is not a good look. My lawyer is ready to file in court if we can't get the issue 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