vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I finally received my XXXX XXXX card with my funds on it after waiting weeks when I did my money was on there but after like 3 days boa took my money leaving me in the negative balance everything I certify for has been taken I spoke with edd they said it was no fraud on my behalf so why has the bank taken my money no time frame of when it would be fixed I'm extremely discouraged and don't know what to do.

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 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/2020, I sent in a complaint, now closed, # XXXX. I complained that after sending an FTC identity theft claim with accompanying documentation to TransUnion, I had not seen any sign that they were taking the appropriate measures as required under FCRA 605 ( b ). They responded to the complaint with their usual rhetoric about performing an investigation, etc. and let me know in 30 days. This timeline violates the timing requirement of the FCRA. In any case, just yesterday, XX/XX/2020, I received a letter from TransUnion dated XX/XX/2020, outright dismissing my FTC fraud complaint, without doing any investigation, and determining for themselves that I had committed fraud by filing said report and they would not do a thing to look into the allegations! As far as I know, they have NEVER done an investigation into an account that I have disputed, and they are the only one of the three credit agencies to not put a block on the accounts listed AS IS THEIR OBLIGATION under the FCRA. I did not see any portion of the FCRA that states that companies may use their own discretion after receiving a fraud complaint. I have attached a copy of the said letter here, and I have also forwarded one to my attorney. I'm completely shocked and outraged that TransUnion believes they have the right to do whatever they want with my credit score.

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 2020-11-09 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: GA

Complaint narrative:
My identity has been compromised and need to have the following account and inquiries 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 2020-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Good Day to you HELP Reference for family protection & support : Coinbase XXXX XXXX  XXXX # XXXX, XXXX XXXX, CA XXXX Coinbase, Inc. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX, CA XXXX Well you have to be XX/XX/XXXX before you can be smart! I feel XX/XX/XXXX 
Got scammed from a 3rd party acting as a coinbase customer service XXXX XXXX XXXX XXXX XX/XX/2020 was the date of occurrence ) and remotely trick us out of all our Cryptocurrency acting as coinbase and remotely stole Over ( {$11000.00} US Dollars ) Not even a wear of programs that can allow others to access your account acting as coinbase. How are we to know and over 1.5 years never any communication of security breaches, compromises and scams to be a wear of, be wear updates and protection. Not being able to speak directly with coinbase, no live chat. unknowing and with out any warning the ability to communicate was taken away. 
Countless amount of attempts to contact in any and all means. 
Complete compromise. Knowing this I would at least had a decision to cease or continue to do business. 
No protective measures in place, no customer service, no live chat, taking responsibility and or the notification of the deletion of phone support which was once in place. Customer service are key in financial matters. 
Thank you for your time and any assistance for our family would be grateful. It was a lot of money and needless to say no sleep as late. 
XX/XX/2020 was the date of occurrence XXXX, XXXX XXXX XXXX ) XXXX XXXX : /XX/XX/XXXX XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX -- -- - Forwarded Message -- -- - From : XX/XX/XXXX XXXX XXXX To : XXXX XXXX ; XXXX XXXX ; Thank you for your interest. XXXX Sent : XX/XX/XXXX XX/XX/2020, XXXX XXXX  PST Subject : Scammed XXXX  acting as coinbase

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: AMERICAN HONDA FINANCE CORP
State: CT

Complaint narrative:
Honda Financial is deliberately refusing to update my 3 credit reports I have called and spoken to three different people Car was purchased for XXXX Loan amount was XXXX Payments made total XXXX XXXX payments were paid for XXXX plus interest and other charges Honda financial assessed. We own the vehicle in full with a lien release. 

Yet Honda financial refuses to Update the payment information to reflect the months of. XXXX XXXX XXXX XXXX and XXXX of 2020. Honda also Failed to report that the car is Lien releases even though they sent us a lien release and I have repeatedly asked Honda financial to update the Information being sent to three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: CT

Complaint narrative:
XXXX XXXX is deliberately refusing to update my 3 credit reports I have called and spoken to three different people Car was purchased for XXXX Loan amount was XXXX Payments made total XXXX XXXX payments were paid for XXXX plus interest and other charges XXXX XXXX  assessed. We own the vehicle in full with a lien release. 

Yet XXXX XXXX  refuses to Update the payment information to reflect the months of. XXXX XXXX XXXX XXXX and XXXX of 2020. XXXX also Failed to report that the car is Lien releases even though they sent us a lien release and I have repeatedly asked XXXX XXXX  to update the XXXXnformation being sent to three credit bureaus

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 2020-11-09 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: CT

Complaint narrative:
XXXX XXXX is deliberately refusing to update my 3 credit reports I have called and spoken to three different people Car was purchased for XXXX Loan amount was XXXX Payments made total XXXX XXXX payments were paid for XXXX plus interest and other charges XXXX XXXX  assessed. We own the vehicle in full with a lien release. 

Yet XXXX XXXX  refuses to Update the payment information to reflect the months of. XXXX XXXX XXXX XXXX and XXXX of 2020. XXXX also Failed to report that the car is Lien releases even though they sent us a lien release and I have repeatedly asked XXXX XXXX  to update the Information being sent to three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: CT

Complaint narrative:
XXXX XXXX is deliberately refusing to update my 3 credit reports I have called and spoken to three different people Car was purchased for XXXX Loan amount was XXXX Payments made total XXXX XXXX payments were paid for XXXX plus interest and other charges XXXX XXXX  assessed. We own the vehicle in full with a lien release. 

Yet XXXX XXXX  refuses to Update the payment information to reflect the months of. XXXX XXXX XXXX XXXX and XXXX of 2020. XXXX also Failed to report that the car is Lien releases even though they sent us a lien release and I have repeatedly asked XXXX XXXX  to update the Information being sent to three credit bureaus

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 2020-11-09 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: GA

Complaint narrative:
My identity has been compromised and need to have the following account and inquiries 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 2020-11-09 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: GA

Complaint narrative:
My identity has been compromised and need to have the following account and inquiries removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ

Complaint narrative:
I called the XXXX collection agency about a collection that was on my report I advised them that this account should not be in collections because I was on XXXX XXXX and had got orders to move and had to leave my apartment I did give the apartment a copy of my move orders but they still sent me to collections with out telling me what it was for I asked about disputing it and basically was told it was on my credit report and I would need to pay it it I asked about my options and was told I could make a payment, I was advised that I could settle the account or pay in full the difference was if I settled it would show settled for less on my credit report and if I paid in full then it would be deleted, I went online on XX/XX/2020 and paid the balance in full. the account is still on my credit report as of today and I called on XX/XX/2020 and spoke with a manger and he said he would get back to me and never did and he did not correct the account, I payed the balance in full because of the deletion agreement he said once the payment cleared the account would be removed in 30 days

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 2020-11-09 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: EAST WEST BANK

Complaint narrative:
My East West bank account was closed by them in XXXX. My account number is XXXX and my name is XXXX XXXX. However, they still charged me {$25.00} per month for the management fee of the account after the closing.

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 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
I do not have a signed contract nor any contract with The Bureaus. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX XXXX. I am not responsible for this debt with The Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
There are issues with several claims that were filed last year and still not resolved. 
The last claim XXXX for Purchase Protection was opened in XX/XX/XXXX and I have submitted all requested documents several times but they keep closing the claim for not receiving documents ( I do have proof that those documents were sent to them and they were received by thme ). 
I last submitted documents in XX/XX/XXXX, they acknowledge the receipt of documents along with a signed document by a repair company that was required by Amex XXXX.

Last week, I received a notice from Amex XXXX that they were not able to verify the repair estimate and would noy pay the claim. 

In XX/XX/XXXX, I also filed a theft claim for a laptop BUT I have not idea what they have done to the claims. I never received the claim payment. 

In XXXX, I filed a claim for receiving all merchandize and what was received were damaged. We went back and forth several times and I had to re-open claim more than once but never received the claim payment as Amex XXXX  have a habit of closing claims without payments and any valid reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I do not have a signed contract nor any contract with Portfolio Recovery. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: STEWARD FINANCIAL SERVICES LLC
State: NJ

Complaint narrative:
The vehicle was taken over 18 months ago, and was sold yet the balance is still showing on my credit report for the remaining balance that I owed which is {$14000.00} yet I brought the car for {$15000.00} and made payments on the car for over 2 years. Steward Financial Svcs is a rip off finance company. The took the car that had my pocketbook in it with over {$10000.00} that belong to a friend.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: TN

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.a derogatory mark on my credit report per XXXX  XXXX, XXXX Upon further research, this account was transferred/ sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was no written form of communication, contract for this accused debt at all or signature for this does not validate the debt and anybody can be sent a bill and say its mine. According to the FCRA, XXXX. XXXX  has violated my rights as a consumer and I'm requisitioning legal action to remove this account immediately. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: TN

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.a derogatory mark on my credit report per XXXX  XXXX, Experian Upon further research, this account was transferred/ sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was no written form of communication, contract for this accused debt at all or signature for this does not validate the debt and anybody can be sent a bill and say its mine. According to the FCRA, XXXX. XXXX  has violated my rights as a consumer and I'm requisitioning legal action to remove this account immediately. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MO

Complaint narrative:
Square Inc d/b/a Cash App closed my account without formal dispute, or otherwise providing formal information as to the reason of closure other than apparently violating their terms of service agreement. 

The vague reason they state is a P2P ( Peer to Peer Transaction ) from XX/XX/2020 at XXXX XXXX received from $ XXXX in the amount of {$20.00} Identifier : # XXXX The user XXXX XXXX. XXXX $ XXXX ) is claiming a fraudulent chargeback with their originating card issuer or bank, as their money was subsequently refunded back to their originating account for the reason of returning the payment on XX/XX/2020 at XXXX XXXX  to ( $ XXXX ) in the amount of {$20.00} Identifier : # XXXX Square Inc d/b/a Cash App has refused to investigate the matter into my account closure, stating their decision is final and did not allow me time to dispute the chargeback, and electronically withdrew the funds in the amount of {$20.00} from my linked XXXX Checking Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: FL

Complaint narrative:
Since XXXX I have not been able to have access my unemployment benefits for alabama unemployment. I filed my claim in XXXX and have been receiving benefits since XXXX with no problem out of nowhere my card locks and has been suspended according to customer service and I have tried three times to speak with somebody higher than customer service and tier 2 to resolve this issue and unsuspend my benefit card to access my monthly benefits every week I certify my week and it's processed to their card and has been since XXXX when I stopped being able to access it according to customer service I needed to do an identity verification one time out of the three times I've been able to speak with somebody a woman gave me a long fax number I've got two documents or three documents needed which I mailed them because I couldn't figure out how to do the facts so I did the other way she said which was my back and front driver 's license and a copy of my social security card and a tax return prove my social security number they claim they never received it's now been months several months as I still claim my weeks with no way to access my funds and nobody to tell me nothing cuz when I call back now I can't even get anybody to tell me exactly the address or fax number of where to verify that I sent it correctly since they say they never received it please help me to get my benefits back in order and unsuspend my prepaid card account this is ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Total Card, Inc.
State: NJ

Complaint narrative:
I never paid my account late yet the credit card company has me down for making my payment late XX/XX/2020. I went online and made my payment and the system gave me a confirmation that the payment was made yet the company is trying to say that the payment didn't post to my account causing a late payment. It is not my fault if their system was having problems that isn't fair to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: GA

Complaint narrative:
I sent out a dispute letter on XX/XX/20 regarding unauthorized inquiries on my account. I have not received any correspondence, nor have these items been removed.

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