vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
DISCRIMINATION DISRIMINATION CITIBANK EXPECT A LAWSUIT FROM ME XXXX XXXX XXXX A VETERAN OF THE UNITED STATES XXXX XXXX AND YOU HAVE DECLARED A LEGAL WAR AGAINST ME. 

I wired {$4500.00} from my chase account to citibank for my XXXX XXXX investment account. I was also charged a {$25.00} wire fee which was refunded. Again I sent money from XXXX to citibank through XXXX wire with a reference number XXXX I sent it to citibank XXXX XXXX account number ending in XXXX. I dont see this number in the confirmation ledger. ONLINE DOMESTIC WIRE TRANSFER VIA : CITIBANK XXXX XXXX : XXXX XXXX XXXX NY XXXX XXXX REF : FROM XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX XXXX/TIMEXXXX XXXX : XXXX TRN : XXXX XX/XX/11 When i call XXXX XXXX they say they dont see it in the que and they cant find it for the last 3 days. XXXX finally put in a recall after me calling 100 of times one person a supervisor said its completed its lost and hung up. This is not right. THIS IS A FEDERAL WIRE THAT INSTRUCTIONS WERE SENT PERFECTLY. THIS IS A VIOLATION OF MY CIVIL RIGHTS I CAN NOT EVEN WIRE MONEY LIKE EVERY OTHER AMERICAN AND NOT HAVE ANY PROBLEMS I AM A XXXX VETERAN AND THIS IS A VIOLATION OF MANY MANY MANY MANY MANY FEDERAL LAWS HELP ME GET ME MONEY

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 2021-05-14 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:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My Name is XXXX XXXX. This complaint is with Comenity XXXX  XXXX  concerning finance charges on an XXXX XXXX XXXX Credit card ( account ending in # XXXX XXXX. See attached document for detailed information and documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: IN

Complaint narrative:
I have sent complaints to both credit bureaus as I was never late and the payment history is inaccurate from one bureau to another

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
I have repeatedly told National Credit Systems to show me documents with my written signature.They have failed to do so instead showing me papers what appears to show my name in electronic signature that I didnt consent.According to FCRA they must show documents with signatures in writing. 
I demand this collection for XXXX from National Credit Systems be remove/delete from my credit report or I will be force to take this situation to small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: IN

Complaint narrative:
I have sent complaints to both credit bureaus as I was never late and the payment history is inaccurate from one bureau to another

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 2021-05-14 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: CT

Complaint narrative:
I reached out to all bureaus concerning unverified items on my report and had no response. I have attached the certified letter receipt to this complaint. Here are the tiems i want removed : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # 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 explanation
Consumer complaint received 2021-05-14 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: CT

Complaint narrative:
I reached out to all bureaus concerning unverified items on my report and had no response. I have attached the certified letter receipt to this complaint. Here are the tiems i want removed : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # 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 2021-05-14 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: TransferWise Ltd
State: MD

Complaint narrative:
I completed a transaction through Transfer Wise using a credit card. Transfer Wise charged a fee to use the credit card however, they failed to disclose that the transaction would be considered a " cash withdrawal '' by my credit card company and therefore subject to fees other than a regular consumer purchase transaction. My credit card company, XXXX XXXX, charged a flat fee of {$20.00} for the {$160.00} Transfer Wise transaction, plus a minimum interest fee that applies for just the cash portion for two months in a row at a near 30 % interest rate. So in addition to the Transfer Wise fee, with the credit card cash fee plus two months of mandatory interest ( despite the fact that I pay off my credit card in full every two weeks ), I was charged over $ 30 % for the Transfer Wise amount of {$160.00}. Consumers need to be aware ahead of time so that they are informed of the potential consequences of using a credit card for these transactions. Transfer Wise, and other similar companies, should be required to warn consumers that transactions using a credit card are considered " cash withdrawals '' and subject to fees as appropriated by credit card companies when making a cash withdrawal. Also, that cash withdrawals may be subject to higher interest fees and high withdrawal charges for the transaction. 

I was unsuccessful to have the charges reversed by my credit card company. I wrote to Transfer Wise to let them know that they should be informing consumers of these issues but did not receive a response. This is where your organization can be of help to consumers, by intervening and requiring the organizations to provide full disclosure regarding fees for these transactions. The companies are otherwise taking advantage of consumers charging outrageous fees and interest for very little amounts of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Oklahoma Student Loan Authority
State: IN

Complaint narrative:
On XX/XX/XXXX, I ran my three credit reports. There was a closed student loan on there for the amount of {$1500.00} from Oklahoma Student Loan Authority. There was also an address listed on the report for a Texas address. Both of these items are incorrect as I have never taken out a student loan. I called OK Student Loan Authority on XX/XX/XXXX to see what I needed to do to take care of this. They forwarded me their Loan Discharge Application : Forgery form to complete. I filled out this form and returned it same day along with a copy of my Drivers License, social security card, mortgage statement and utility bill. I continued to follow up with this company, but they would never transfer me to the correct department or provide me any answers on what the status was. It is now more than a month later and we are no closer to this being resolved. It is important to note that I currently, and at the time the loan was opened had an extended credit freeze on my account due to past identity theft. This loan should never been able to be opened without contacting me personally in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
I have had a primary mortgage with XXXX XXXX and we received notice it was transferring mid XXXX from XXXX XXXX to Specialized Loan Servicing LLC. We did not receive a payment coupon from Specialized Loan Servicing LLC. We called the company requesting a new loan number, # XXXX and sent a payment postmarked on XX/XX/2021. To date, we have still not received a payment coupon or any paperwork from Specialized Loan Servicing LLC. 

We had sent a copy of our XXXX XXXX XXXX  previously along with payment to Specialized Loan Servicing. 

Since this is our mortgage, this makes us understandably nervous. We would like payment coupons and timely acknowledgement of payments. 

XXXX XXXX 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 explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: MO

Complaint narrative:
I've transferred XXXX $ via ACH into my Gemini account on the XX/XX/2021, the company froze my account next day, with out any prior notice, or even an email to explain to my why my account have been frozen out of the blue, I had already bought bitcoin with my the amount I transferred, with my account being frozen all my assets in my account were frozen as I well, I was not able to to trade or convert my bitcoin which started to fall and caused me a huge loss on my asset, the company then took a whole month to email me asking for a selfie of me holding my ID and then they stopped answering my emails

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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:
Some time ago I sent a letter regarding inaccurate and unknown things on my credit report.. To this day, well over two months later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60+ days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to XXXX you caused me. Due to my stay at home I found that my information was also impacted by Equifax data breach and may have gotten into the wrong person hands. I used this link below. 
Equifax Breach Inquiry Link : https : //eligibility.equifaxbreachsettlement.com/en/eligibility

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Ive contacted the credit bureaus on XXXX, XX/XX/2020 and XX/XX/2020 about removing a chapter XXXX bankruptcy off my credit report. They provided me with false information saying that they verified the bankruptcy with the court. Which was proven to be a lie, which goes against the credit fair act. Ive contacted the bankruptcy court to ask about this. They sent me a letter stating that they DO NOT verify, or send any information to credit bureaus. So ive been trying to have this bankruptcy removed from my credit report for quite sometime now. It is really holding me back from what im trying to accomplish. So im really hoping filing a complaint will help me. I have the letter from bankruptcy court stating they dont provide information, or verify with the credit bureaus. That i will attach. Thank you

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 2021-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: OK

Complaint narrative:
On XX/XX/2021 I woke up from working my overnight shift to find a charge in the amount of {$1100.00} had been charged to my netspend ( Ace Flare ) prepaid card. I immediately contacted customer service because I had an unauthorized charge to an XXXX # XXXX in XXXX XXXX, Texas. I filed the dispute as they requested. As I was talking to the representative I received an email stating my card was recently added to XXXXXXXX XXXX ( I own an IPhone ) I was also informed someone tried to access my account from a different number the same day but was unable to verify the information on the account. I explained to the representative I was in Oklahoma. Theres no way I could have made it to Texas and made this purchase for I had just got off from working my overnight  shift and had went to a local florist and purchased flowers for my coworker using my other bank card. I took all the necessary steps such as changing the address, getting new login information for my mobile account and requesting a new card. I had to use my home loan down payment money to pay my rent and other bills until they posted the provisional credit. Just to find out today they are trying to say Im responsible for the charges on my account and after their investigation they found no error in the charge are going to reverse the credit. Wanting me to have the funds available within 5 days. Every representative I have spoke to has tried to push off the resolution time by asking me to wait for 10 days for all these bogus documents validating the charge. I escalated my call to a supervisor named XXXX Manager. She continued to tell me I have to wait for documentation. I continued to ask for another supervisor or someone of power to discuss this issue. She transferred me to an XXXX XXXX who continued to say the same thing. They are trying make me pay for the funds that I did not use. It was fraud and theyve treated me like a criminal and I have not done anything. Im curious on how they concluded I made the purchase without asking me for any other additional or supporting information or even talking to me during the dispute process.

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 2021-05-14 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: NH

Complaint narrative:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: SC

Complaint narrative:
XXXX sold an alleged dent in my name and the collection agency bought it yet there is a balance still shown reported on 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 2021-05-14 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: SC

Complaint narrative:
XXXX sold an alleged dent in my name and the collection agency bought it yet there is a balance still shown reported on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: SC

Complaint narrative:
There is a medical collection on my report. Not only does it violate HIPPA it is also reporting incorrectly. I have medical insurance and my insurance has covered all of my medical expenses in the last 4 years. I have contacted the company as well as filed a dispute with the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: FL

Complaint narrative:
I have several collections on my credit bureau that I have disputed, the disputes have not been validated. The collections are the following XXXX Opened XX/XX/XXXX {$1400.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$440.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$120.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$160.00} Original creditor : XXXX I never opened any of those accounts neither have I had any agreement with any of those companies. 
I ask for proof of validation in my XXXX  reports since I file for proof of validation via letters and nothing was sent back on the following dates XX/XX/XXXX XXXX  they said that they sent a letter in the letter that they sent nothing was verified. Immediately I filed an Ftc report on XXXX FTC Report Number XXXX XX/XX/XXXX XXXX XXXX XXXX debt they could not find me in the system. 
XXXX Debt complaint XXXX XXXX no one responded I will attached all of the documentation to here so that all can be seen.

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 2021-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I had fraud on one of my accounts with Chase Bank. They have frozen all my accounts and are preventing we from accessing the funds I have on deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-14 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: MO

Complaint narrative:
I have a paypal account that I can not access because I don't have a mobile phone. I called them about it and they will do nothing. They sent me a monthly statement notice, but I can't see it because I don't have a mobile phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC
State: NH

Complaint narrative:
I filed a prior complaint ( XXXX ) against Veteran 's United as the company refused to recognize my state issued Veteran 's property tax credit. Only after complaining to CFPB did the company respond and agree to recognize the tax credit.

I have requested to opt of an escrow with the mortgage as I want as little to do with the company as possible after needlessly causing stress and costing me time in dealing with getting the company to recognize a state issues property tax credit.

Veteran 's United states that I have to sign a contract to opt out of the mortgage escrow. I have no issue doing this, but have questioned the need for a cushion/reserve escrow as this provision is required in addition to re instituting an escrow account and the provision is not required by the Real Estate Settlement Procedures Act ( RESPA ). The amount in the contract is the maximum amount allowed under the RESPA for a reserve/cushion escrow on top of the other escrow accouunt.

My wife and I returned a singed copy of the contract only omitting the cushion/reserves provision not required by the RESPA, which would be in addition to the escrow already required if my wife and I did not pay for the property taxes or insurance.

Veteran 's United has rejected this agreement and has cut off communications since that point in time. Nothing has changed as far as Veteran 's United not recognizing the state issued disabled Veteran property tax credit and Veteran 's United is not engaging in good faith to resolve the issue of opting out of the mortgage escrow.

Lastly, the contact with the representative from Veteran 's United has acted rude and condescending to my wife and myself. Any help given would be much appreciated. Thank you!

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