vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-21 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: AR

Complaint narrative:
So this is a closed account it clearly shows charge off. But at the same time its says open. But I says amount due zero. But its open seams to mean that this is an inaccurate reporting. And it shows no last due which would mean it should show current. This is an inaccurate reporting and this account either 1. Needs to be deleted totally from my credit all there agencies or 2. Shown as current all the way across the board. Either way they are being allowed to report inaccuracies on my credit which is gendering my credit. Please update or remove.it says date opened was XX/XX/2021 that is incorrect as I do have one with them that is current. Please have them to supply you and me with documents that I signed this account to be open on the date that they have reported. It does not exist

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 2021-10-21 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: AR

Complaint narrative:
So this is a closed account it clearly shows charge off. But at the same time its says open. But I says amount due XXXX. But its open seams to mean that this is an inaccurate reporting. And it shows no last due which would mean it should show current. This is an inaccurate reporting and this account either 1. Needs to be deleted totally from my credit all there agencies or 2. Shown as current all the way across the board. Either way they are being allowed to report inaccuracies on my credit which is gendering my credit. Please update or remove.it says date opened was XX/XX/2021 that is incorrect as I do have one with them that is current. Please have them to supply you and me with documents that I signed this account to be open on the date that they have reported. It does not exist

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: AR

Complaint narrative:
So this is a closed account it clearly shows charge off. But at the same time its says open. But I says amount due XXXX. But its open seams to mean that this is an inaccurate reporting. And it shows no last due which would mean it should show current. This is an inaccurate reporting and this account either 1. Needs to be deleted totally from my credit all there agencies or 2. Shown as current all the way across the board. Either way they are being allowed to report inaccuracies on my credit which is gendering my credit. Please update or remove.it says date opened was XX/XX/2021 that is incorrect as I do have one with them that is current. Please have them to supply you and me with documents that I signed this account to be open on the date that they have reported. It does not exist

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 2021-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: EVERBANK, NATIONAL ASSOCIATION

Complaint narrative:
I made a money transfer with XXXX, the money to be taken out of my TIAA checking account. I made a mistake and the order went through 2 time instead of one. There was only enough money in the account to cover one transaction so they locked the account.

I then transferred money from another account to cover the debit in the first account. However, TIAA never unlocked the first account which was the one I have set up for transfers. I am doing XXXX XXXX in XXXX in an area with no international phone connections. So I have to use emails.

TIAA has a place on their site to : Email Us. I clicked on that and sent my email explaining the problem and that I had transferred money into the account to bring this up to date, and asked them to liberate the account so I could use it again. I received a machine answer which was incredible. It said they didn't accept emails that were not secure. Imagine that! The email was sent using their own system! I sent them another email asking them to liberate my account via XXXX email with is a secure. I got the same response from TIAA saying they did not receive emails that are not secure. Can you see the disorganization here and total disregard for the consumers situation?

Since then I have sent 5 or 6 emails to different people at TIAA with absolutely no answers. This is a simple problem to fix : simply liberate my closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im not producing a score, and I added a couple of tradeline on my report, and I added these trade lines a couple of months ago

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 2021-10-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
Account was marked as SETTLED when I was {$100.00} away from paying in full. I did not agree to have my collection automatically settled and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I have always made my payment on time each month and in XX/XX/2021 I paid my card off in full. My limit on the card was {$600.00} and then in XXXX my limit was decreased to {$300.00}. I noticed this in XXXX and called Target to ask why they had decreased my limit. They could give me no explanation and wanted to do another hard pull on my credit to try and raise the card limit back to what I was originally approved for. All of my other credit cards are also in good standing and I make all my payments on time. I do not understand why Target lowered my limit when I have been a good customer. This obviously makes me want to do business elsewhere and I am contemplating closing this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im not producing a score, and I added a couple of tradeline on my report, and I added these trade lines a couple of months ago

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im not producing a score, and I added a couple of tradeline on my report, and I added these trade lines a couple of months ago

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 2021-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Fairway Capital Recovery, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX I spoke with a lady by the the XXXX with Fairway Capital Recovery ( collection company ) and she said a copy of the letter was sent on XX/XX/XXXX of XXXX to XXXX XXXX place in XXXX in XXXX. XXXX she said this because we didnt even close on this home until XX/XX/XXXX of XXXX. She was recording this phone call and it was right at XXXX XXXX. 
I then hung up and called XXXX XXXX XXXX and paid that bill for XXXX with a confirmation number of XXXX. This bill was disputed in XXXX of its original amount because the utilities were kept on for over a month after I had left the home as the lease was ended. The leasing company advised me that I never requested that I stop services. Does anyone leave utilities on after they move??? I know I didnt for fact. Anyways I cant prove this from 3 years ago. Total XXXX. So I woke up this morning with a credit alert that there was a collection on my credit report. I then called the collector Fairway Capital Recovery back. I informed them the bill was paid and asked to speak to the manager ( XXXX I was told her name was ) however she was unavailable to speak. Apparently she is the one who has the authority to remove this from my credit report. This is not fair to me. XXXX XXXX kept my deposit and I had to just pay XXXX. That a total of over XXXX dollars that is gone. I probably owed maybe XXXX but not over XXXX. I have disputed this account with XXXX and this collection company before hoping for some sort of fair amount that should be paid but today unfortunately I lost because without any notice to me it appeared on my credit report. This is not fair. I received no letters in over a year. No phone calls. No certified letters. No emails. NOTHING. I paid the disputed balance to XXXX directly and told them this is inappropriate. I demand that The FairWay Capital Recovery remove itself from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: NY

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I applied to get approved for a car recently. I was immediately denied due to not having a credit file with Equifax. I called them several times and no one had information on how to correct the issue. I have credit scores and a file at XXXX XXXX but not a Equifax which is weird.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
On XXXX I had my Coinbase compromised. I woke up to notifications from my bank about multiple overdrafts from transactions from Coinbase. I tried to sign into my account and was unable to. My bank was able to resolve the issue within 20 minutes. Coinbase was a whole different story. There phone number is a dead end. I submitted a ticket as recommended. In that mean time I was able to get a response from their social media team with a response that my claim was taken in. No response for claim # XXXX till XXXX in the afternoon. This issue could have been solved in 20 minutes over the phone. Instead we went back and forth over emails from XXXX. They made me jump through multiple hoops to " recover my account ''. Photo verifications, selfies with notes on it with the day. Really ridiculous. Finally was able to unlock my account and they transferred my funds into the new email I used. Well after all that back and forth for days my account that had about {$5000.00} in cypto was drained out to {$24.00} dollars. Literally they had me go through all that when I could have made a new account in 5 minutes. Coinbase is the only account I have that I receive phishing texts and emails. In those emails they sent me they were quick to blame me. Literally all that money was drained out in minutes at XXXX XXXX You'd think that would raise a red flag especially when a hacker could get into my account and change my password and phone so I get no notifications. This has been a complete nightmare and coinbases idea of customer service is horrible. Their security is horrible. Literally trusted this company thinking I'd be safe and got screwed over. The emails I received pretty much told me to kick rocks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
Disputed collection. Had it removed to come back with a date that I wasn't in any hospital. Didn't go to any hospital the year of 2020 but the dates says otherwise ... .fraudulent collection

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
The following complaint is in reference to my HSBC Direct Savings Account # XXXX In XX/XX/2021, I received a solicitation message from HSBC bank about the availability of a new multicurrency account called XXXX XXXX. I immediately opened the new XXXX XXXX  account ( Exhibit # 1 ) and on XX/XX/2021, I converted {$100000.00} into Euro currency receiving EUROXXXX. In XX/XX/2021, I received a communication from HSBC stating that I need to close my XXXX XXXX account by XX/XX/2021, otherwise If your XXXX XXXX Account remains with a balance after this date, we will automatically convert any foreign currency balances in your wallet at the current FX rate and deposit the USD equivalent into your US HSBC deposit account. We will then proceed to close the account on your behalf. Basically, HSBC Bank is forcing me to convert my Euro money into USD and take a financial loss of {$5000.00} or more. On or around XX/XX/2021 I called HSBC Customer Support Hotline to let them know that I do not intend to take that loss. I also reiterated that its HSBC Bank obligation to hold me harmless from any risk or loss arising only and exclusively from its management decisions. HSBC Bank NEVER disclosed to me that the XXXX XXXX account will have a limited life and duration when they enticed and solicited me to open that account in XX/XX/2021 ( Exhibit # 2 ). Having said that while reiterating my strong resistance to convert my EURO currency into USA and take a huge loss I requested the following : 1 ) My XXXX XXXX account to remain open until I deem convenient for me to close it. 
OR 2 ) HSBC Bank transfer my EUROXXXX money into my external EURO account without converting it. 
OR 3 ) HSBC Bank transfer my EUROXXXX money by converting it into USD and credit {$100000.00} into my HSBC Direct Savings account so to hold me harmless and avoid any financial loss. 
Since then, I did not receive a definite answer from HSBC bank other than a callback promise that never came. This is the reason for my complaint with your office. Hopefully you can assist me to protect my assets and avoid a financial loss arising from HSBC Bank management. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: CT

Complaint narrative:
About 2 weeks ago 3 accounts just appeared on my Equifax credit report that do not belong to me. There are 2 " XXXX '' accounts and 1 " XXXX '' account. I have not now or ever had any of these cards or accounts. I immediately attempted to dispute through " My Equifax '' account but those accounts state " Consumer Disagrees with info, re-investigation in progress ''. I have never disputed these accounts because they have never been on my credit report because they do not belong to me. I do not believe this to be fraud or identity theft. I believe that Equifax has mixed my credit file with someone else 's and I demand that this error be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
In XXXX I relieved notice I was being sued by LVNV Funding. I responded to the suit and send a debt animation request certified mail. I requested verification and proof of the debt. The case was withdrawn ( I'm assuming because they could not provide valid proof I owed the debt ). They also never provided me with any proof I owed the debt. Just an amount and a name of a credit card company. No contract. No signed documents. No account ledger. They have failed to provide proof of this debt and refuse to remove from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: MD

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2021, XXXX XXXX sent XXXX refunds of {$260.00} each through XXXX to my credit card at Chase Bank. Unfortunately, that credit card had been closed and purged. Also unfortunately, Chase Bank did not reject the funds immediately. They held the funds until XX/XX/XXXX and sent them back to a bank account. Because of the delay, the funds were not connected to me in any way. For months, I have tried to get XXXX XXXX and XXXX to check to see if the reference numbers in the attached document from Chase Bank hit their bank account. So far, both XXXX XXXX and XXXX say they do not have my money. During discussions with customer support in both organizations, I have learned that XXXX XXXX uses a Chase XXXX bank account and XXXX uses a XXXX XXXX account. If Chase Bank would tell me which bank received the funds on XX/XX/XXXX, then I would be able to focus my efforts on getting the correct company to research their accounts. I have attached a copy of a message from Chase Bank in which they gave me reference numbers for the deposits on XX/XX/XXXX. I have also attached a copy of information about the refunds that went through XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XX/XX/2021 at XXXX XXXX. this company called my job leaving a detailed description of my debt asking for a call back. 

I could have lost my job. 
My boss says personal calls should not come to that number. The voicemail clearly states it is a hospital environment that XXXX XXXX was calling and he proceeded forward. In Maryland, these debt collector calls to places of employment are illegal. I called and spoke to them a few months back about " stop calling my job '' and they continue to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XX/XX/2021 at XXXX XXXX. this company called my job leaving a detailed description of my debt asking for a call back. 

I could have lost my job. 
My boss says personal calls should not come to that number. The voicemail clearly states it is a XXXX XXXX that XXXX XXXX was calling and he proceeded forward. In Maryland, these debt collector calls to places of employment are illegal. I called and spoke to them a few months back about " stop calling my job '' and they continue to do so.

Company response to consumer: Closed with non-monetary relief