vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I purchased an item online from XXXX. My account got charged a price higher than the price I confirmed. When I reached out to the merchant, letting them know that I did not want the item anymore because it was higher than the price agreed upon, the merchant forged some documentation showing that the price that I paid for the item was indeed the price listed for the product. When I brought to light that their response wasnt true, the merchant escalated my complaint to a higher department to address the issue. Instead of addressing my issue, the higher department simply said that I wasnt eligible for a refund. Mind you, at this time the product had not even been shipped to me yet. Because this was fraud, I contacted my bank. 

When I contacted Citibank in XXXX to open a dispute, they told me that they were going investigate my claim. They eventually closed my claim saying that they didnt have enough information on my part to substantiate my claim. When I found out that my claim was closed, I immediately contacted Citibank and told them that if they needed more information, all they had to do was contact me. I then demanded that they reopen my case by filing an appeal. In the appeal I attached all the emails between the merchant and I, which clearly showed that they REFUSED to address the fact that the price I agreed upon for the item was different from the price that I was charged. 

I just found out that Citibank sided with the merchant again. When I asked why, they told me that the merchant simply told them I wasnt eligible for a refund. THIS HAS NOTHING TO DO WITH THE FRAUD THAT OCCURRED. I WAS TOLD AN ITEM WAS ONE PRICE BUT CHARGED A WAY HIGHER PRICE. I CONTACTED THE COMPANY BEFORE THE ITEM WAS SHIPPED TO ME. THE COMPANY DISREGARDED MY COMPLAINT AND SHIPPED THE ITEM ANYWAY. THEY ALSO NEVER ADDRESSED ME BEING CHARGED A HIGHER PRICE!!!! HOW CAN MY COMPLAINT OF FRAUD ON THE MERCHANTS END BE DENIED WITHOUT EVER ADDRESSING WHY I WAS CHARGED A HIGHER PRICE?

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 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-28 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: MI

Complaint narrative:
Hello! 

I sent letters to this company on XX/XX/2022 and have yet to hear any type of responses. I have reason to believe that information is being reported inaccurately on my behalf and I am aware that this is a violation of my rights! Also, this inaccurate reporting is causing emotional turmoil as I am not able to be approved for things that I need to better my life and existence. 

All I asked for was a re-investigation because I am positive that the information is being inaccurately reported. 

I truly demand a re-investigation. If not, please remove from my credit report ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
Through my university email, I was invited to be a personal assistant to professors. My first task was to help send money to charities for him. He wrote me a check and sent them through email, I deposited, and then I would send the money through Zelle. I would find out that the checks he sent me where fraud, so I would end up giving multiple checks of my own money to random people that I thought were orphanages/charities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: Convergent Resources, Inc.
State: OH

Complaint narrative:
Company reporting to credit reporting companies This account isnt mine. There not able to provide proof of ownership. None of there information is correct. 
XXXX XXXX XXXX is reporting a account charge off. Ive never had a XXXX XXXXXXXX XXXX XXXX This account appears been opened online none of information matches mine

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 2022-07-28 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: Eastern Account Systems of Connecticut, Inc.
State: OH

Complaint narrative:
Company reporting to credit reporting companies This account isnt mine. There not able to provide proof of ownership. None of there information is correct. 
XXXX XXXX XXXX  is reporting a account charge off. Ive never had a XXXX XXXX XXXX  card This account appears been opened online none of information matches mine

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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:
Company reporting to credit reporting companies This account isnt mine. There not able to provide proof of ownership. None of there information is correct. 
XXXX XXXX XXXX is reporting a account charge off. Ive never had a XXXX XXXX XXXX card This account appears been opened online none of information matches mine

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 2022-07-28 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: NY

Complaint narrative:
I requested that a signed document with my handwritten signature be sent to my mailing address to verify my account however the signed document was never sent.

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 2022-07-28 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: NY

Complaint narrative:
I requested that a signed document with my handwritten signature be sent to my mailing address to verify my account however the signed document was never sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I tried multiple times to figure out why this account was not closed when I closed it and my bank account in XXXX of XXXX  I have spoken to many customer service reps and they transfer me and transfer me and refuse to let me speak to supervisors. They have no explanation other than " you never closed this account '' when I know 100 % that I closed this prepaid card. It now continues to pile up with late payments and interest that I can't afford and never should have been charged when the account was closed prior to any of these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: NY

Complaint narrative:
I requested that a signed document with my handwritten signature be sent to my mailing address to verify my account however the signed document was never sent.

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 2022-07-28 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-07-28 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I requested that a signed document with my handwritten signature be sent to my mailing address to verify my account however the signed document was never sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-07-28 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX Unauthorized inquiries furnished on my consumer report which is a violation of 15 USC 1681 b ( c ) ( A ) ( B ) ( i ) ( 3 ) and a violation of my privacy rights in accordance with 15 USC 1681 ( a ) ( 4 ).

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 2022-07-28 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: OH

Complaint narrative:
pursuant to 15 U.S. Code 1681a - Definitions ; rules of construction The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Experian has not sent me any documentation to whom they investigate to get the items on my consumer report verified.

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 2022-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, N J XXXX 2ND Notice XX/XX/XXXX PAYPAL CREDIT C/O Synchrony Bank  XXXX XXXX XXXXXXXX XXXX Fl XXXXXXXX Via Certified Mail RE : XXXX XXXX SS # Account # This is the 2nd written request. You still have not complied and continue to charge fee to this account. In as much as you fail to comply with my request for documentation, I am NOW requesting that all charges be discharged and my account brought to XXXX {$0.00} This is the 2nd formal request to Freeze all Paypal Credit accounts under my social Security number ending with XXXX and stop charging fees and interest until the account can be verified. I have request numerous times over the last 24 months for a COMPLETE AND FULL DETAILED TRANSACTIONAL ACCOUNT HISTORY from the very first transaction, for which you have failed to provide a full accounting of all transactions and continued to charge me interest and fees. 

The earliest statement you have provided was for XXXX XXXX which already had a balance of {$3100.00}. I have never received COMPLETE AND FULL DETAILED TRANSACTIONAL ACCOUNT HISTORY FOR YOUR OPENING BALANCE PRIOR TO XXXX XXXX which you claim is {$3100.00} to include TRANSACTION DATE, VENDOR AND PURCHASE DETAIL this account from the 1st Transaction and 1st Dollar. 


I have never requested any credit from PAYPAL with the exception of a Paypal MasterCard which has a {$300.00} limit. Any and all transactions were to be a direct debit from my bank account. I, will not make any more payments or be held liable for interest or any fees not limited to late, past due and over limit fees until this account can be verified by me. For which you continue to make payment demand on the phone and by mail. 

In the quick review that I have made, there are charges for late fees for payments that were made on time and also double charges on the same day for the same vendor and amount. In additional to transactions unrecognizable This is just a few examples of the errors being made by your company. 

Sincerely ; XXXX XXXX In addition the creditor made attempts to charge my XXXX XXXX XXXX FOR THE PAST DUE LATE PAYMENTS THAT ARE IN DISBUTE.

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 2022-07-28 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
LVNN Funding LLC Reporting charge off on credit file but this account isnt mine. There not able to prove ownership of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Greetings, my name is XXXX XXXX XXXX XXXX, I have a problem with my coinbase account, on XX/XX/XXXX someone hacked into my account, sold all my cryptocurrency and withdraw that money, after many conversations with the identity department, cripto and funds department ( coinbase ) i havent been able to locate the money, on XX/XX/XXXX they told me ( over the phone ) that it was sent to a debit card ending in XXXX, several transactions, under my name and with my billing address, which card is not mine, coinbase is not providing me with any tool or efficient help to solve this case, they are telling me that for security reasons they can not give me any extra information about the instrument to which the hacker sent the money, calling that person hacker because without my credentials logged into my account, which is not logical because every time i log in coinbase sends me a text message and the same to sell and withdraw money as a two step verification process, which never hapenned, all in all, what i want is coinbase to be responsible for these acts against my interest in their platform, i feel completely unsupported by them because they are not providing me with any useful information, not even in my account statement, in this one they just show that this person sold the criptos but nothing more, during the call of the 21st with them they told me that on XX/XX/XXXX the debit card mentioned before was added and removed within minutes. The amount substracted in XXXX dollars was around XXXX XXXX ( it was all in cryptocurrencies ). Case number provided by XXXX email associated to this account : XXXX After talking for several hours with their departments they told me that their legal team was going to reach out to me because they were able to see that i have a case, their legal team sent me an email, XX/XX/XXXX, saying that they hope that i had all the help that i needed and that they were closing my case, which help should come from them, i really feel that they are mocking of me and can not understand how such a renown company can treat their clients in this way. I request for your help, This are my savings. 
Here i attach my coinbase account statement and their last email, which has a different case number that the one they gave me over the phone ( the one i wrote on above paragraph ) Thank you for your support, i look forward for you answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Easy Finance, LLC
State: TX

Complaint narrative:
Keep XXXX me with debt collection agencies of a old account that they keep saling it to different collection agencies!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Paid off Kohls account online in full because in escrow {$58.00} was total due in full on XX/XX/22 I paid it then cancelled my auto pay on the account because wasnt planing on using this account till after escrow & closing on my new house then they say the mailed a statement showing I still owed get this {$6.00} which I didnt because I paid it off I never got the mail because I moved & did forward my new address for another state so they say I was late a month on said payment & I never got a phone call either like they have in the past & they reported late payment to credit beaus killing my credit score XXXX points & I close next month on my house I need this reserved asap! I did call in & they said dispute it but that wont help In time I could loose the house please help. I did make the payment of {$8.00} right away when I got an alert from my credit services advising of the points change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28 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:
LVNN Funding LLC Reporting charge off on credit file but this account isnt mine. There not able to prove ownership of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: FL

Complaint narrative:
I am a victim of check forgery. The bank caught XXXX of XXXX checks, I found the third. I have followed all their instructions and submitted all documentation for their investigation. The bank will not give any time frame for their investigation to be resolved. No time frame.

Company response to consumer: Closed with explanation