vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
Commencing on or about XX/XX/2021. I fell victim to a multilayered scam operation orchestrated by XXXX ( the Scammer ), XXXX : XXXX ( the Scam Website ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Gemini services

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOHELA
State: GA

Complaint narrative:
Back in XX/XX/2021 I received correspondence from MOHELA, a department of Education Servicer stating welcome to Mohela. I sent over a certified letter requesting validation which has my signature in wet ink. Mohela sent over correspondence stating my request is in process. Today I received another correspondence stating that they enclosed information that I requested. As you can view as well. Mohela failed to provide me with the Validation that I request. In the documents that they sent over it states that the following documents are under separate cover : Payment History and Master Promissory Note which is not what I ask for. This does not show Validation. 15 U.S.C 1692g Sec .809 ( b ). I also would like to bring up the inaccuracies reporting on my credit report from this creditor. XXXX I have no student loans debts. XXXX is reporting a different creditor which I have to deal with as well. This creditors just places an items on my credit report without validation or verification of debt. As a Consumer I have rights.. 15 U.S.C 1681q,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: CA

Complaint narrative:
According to section 609 of the FCRA Equifax must provide me with the original consumer contract with my signature on it to proof that account XXXX XXXX # XXXX is actually mine if they can not provide me with the requested document mention above they must delete this account. Also attach to this dispute I am providing you with copy of ID and SS Card to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Scammer ), XXXX : XXXX  ( the Scam Website ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via debit card and through an intermediary named XXXX XXXX and XXXX in the total amount of XXXX USD utilizing JP Morgan Chase services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: CA

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over XXXX days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( XXXX ) clearly states that a failure to investigate these items within XXXX days gives reason to immediately remove those items from my credit report. It has been over XXXX 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 XXXX XXXX accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, 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 2022-02-04 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: CA

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 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 2022-02-04 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: FL

Complaint narrative:
I was checking my credit report and i found out that there are many information which doesn't belong to me. I checked all details from credit report, and i saw, that you have wrong Date of birth XXXX, CORRECT DOB is XX/XX/1988. 
So i believe, that someone used my personal information to apply for these accounts, please, make sure You will inform all XXXX bureaus about this mistake. 
Because these accounts my credit score is very low, i'm not able to apply for any credit cards or loan, and You know, the situation with Covid-19 is very difficult and now is very hard to survive.

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 2022-02-04 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'm getting irritated since these elements from my report are still visible. You have not sent me any proof or documentation that has my signature.

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 2022-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: IL

Complaint narrative:
On Friday, XX/XX/2022, I received a letter from American Coradius International LLC ( Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX ) stating that they are a debt collector seeking payment on behalf of XXXX for an amount of {$590.00}. I have a XXXX account but have not had recent purchases that large. I reviewed my transaction history on XXXX and saw not charge that large or any outstanding balances. I then called XXXX and they confirmed that I owed no debt. If you XXXX the company, there are several hundred XXXX Reviews on this company sending out these fake letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: SC

Complaint narrative:
ON XX/XX/XXXX I RECIEVED MY INVESTIGATION RESULTS VERIFYING THAT THE FOLLOW INFORMATION IS ACCURATE AND FAIR. REPORTING AGENCIES FAIL TO SEND THE INVESTIGATED REPORT WITHIN 15 DAYS VIOLATING THE FCRA. XXXX VIOLATED MY PRIVACY BY SELLING MY INFORMATION TO XXXX XXXX XXXX IN XXXX OF 2019. CLEARLY AND CONSPICOUSLY ON MY CREDIT REPORT IS A CLOSED ACCOUNT STATING THE INFORMATION WAS TRANSFERRED TO ANOTHER PARTY WHICH IS XXXX XXXX XXXX. I NEVER AUTHORIZED SUCH TRANSACTION TO TAKE PLACE AND SHOULD BE EXCLUDED FROM MY CREDIT REPORT. THE TRANSFER OF MY INFORMATION IN REGARD TO THE SSN IS IDENTITY THEFT. XXXX XXXX XXXX ACCOUNT IS LISTED AS A DEBT BUYER. JUST BECAUSE XXXX XXXX XXXX BOUGHT THE DEBT IT DOES NOT MAKE ME LIABLE FOR THE ALLEGED DEBT OBLIGATION. THIS IS NOT A REQUEST FOR ANOTHER INVESTIGATION THIS IS A DEMAND FOR DELETION OF THE FRAUDULENT ACCOUNT. FURTHEMORE IF REPORTING AGENCIES COULD NOT PROVIDE DOCUMENTATION SUCH AS CONTRACT OF OBLIGATION TO PAY ALLEGED DEBT AND MY AUTHORIZATION TO REPORT AND SHARE SUCH INFORMATION IT SHOULD BE DELETED ASAP! THIS IS DEFAMATION OF MY CHARACTER

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 2022-02-04 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: IA

Complaint narrative:
I have accounts that I want validated according to my rights and I have accounts that are non compliant that need to be deleted because there is no name of the creditor on them and accounts that say charge and or late which are not true

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 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I spent {$7700.00} at XXXX in XX/XX/2021 using my Citi XXXX  credit card, with a refund of {$1700.00} from the merchant on XX/XX/2021 ( the transaction details are attached ). The net amount I spent at XXXX was {$5900.00}. These transactions with XXXX qualified the 5 % cash back for the 4th quarter of XXXX  in total resulting in nearly {$300.00} cash rewards. The rewards was redeemed and the balance was 0. Now I have a negative balance ( - {$88.00} ) and was informed by Citi this was due to the refund from XXXX on XX/XX/2021. 
I have contacted Citi and requested a review of the cash dollars on a quarter basis. But the response insisted the negative rewards was caused by the XXXX return during the billing cycle, without considering the overall amount I spent at XXXX in the 4th quarter of XXXX. Apparently the claw-back of the XXXX  dollars is completely wrong because the overall net amount I spent at XXXX last quarter was {$5900.00}, which equals to {$290.00} cash back. I am very disappointed that Citi never takes customers request seriously and I dont think Citi is willing to resolve the issue.

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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I STARTED TRYING TO APPLY FOR A XXXX XXXX CARD I WAS GRANTED THE EVERYDAY XXXX XXXX XXXX CARD IN THE YEAR 2012 I WAS NOT LUCKY NOR ABILE TO HAVE TIME TO ACTIVATE THE CARD OR PAY AT LEAST THE LOWEST FEE ASTHE COST FOR THE MONTH TO KEEP THE CARD WAS ONLY 100DOLLAR PER MONTH/IT SEEMS THAT THE XXXX XXXX XXXX PEOPILE CLOSED AS WAS SAID A MAN AND A LADY WAS RULING THE HOLE DEAL AS TO NOT LET ME ATTAIN ANOTHER CARD /I WAS ALSO ABILE TO OPEN XXXX STATES OF MIX/MIXES BUILDINGS WITH OTHER FAMILY MEMBERS AS WITH SERIOUSER LISCENSE TO KEEP THE BLDGS AND OFFICES /IT SEEMS THAT I TOLD THEM THAT THE BLDGS AND OFFICES ARE INTACT AND NEEDS TO BE REGISTERED THEM SEEM TO IGNORE THE STATEMENTS ABOUT THE XXXX XXXX FOR YEARS AND THE XXXXLINES OFWRONGERITEMS AS 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 2022-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: AL

Complaint narrative:
Unusual accounz activity XXXX my ccount. I had contacted the financial institution over and over about missing monies XXXX charging my account with merchants I had blocked previously. I have recovered only bout XXXX dollars of the XXXX since XX/XX/XXXX that has been scammed or over charged mounts on my account. They have not handled my money responsibly XXXX my bank, and made it so easy for the scammer to keep taking from me over and over, .. even XXXX much as making a false Current XXXX XXXX pp o idnot recognize money being spent and donated to XXXX XXXX XXXX XXXXXXXX account on XXXX XXXX Alot of transactions weren't in my history on app o had to go through all statements available. I have an open dispute now that's their fault, paid monies to blocked merchants I still haven't been refunded. Which all charges are made by my hacker and scammer XXXX XXXX XXXX, from XXXX XXXX born XXXX made name XXXX previously from XXXX Al went to XXXX XXXX XXXX nd lived on XXXX XXXX XXXX Al XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  / XXXX / {$9300.00} XXXX  XXXX XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2022-02-04 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  / XXXX / {$9300.00} XXXX  XXXX XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I submitted a complaint with ID # XXXX on XX/XX/31. Wells Fargo 's response was a complete and utter lie. They said that they investigated themselves and found that they did nothing wrong, and I have no recourse as the CFPB blindly accepted Wells Fargo 's version of events. My wife independently verified the deposit prior to placing it in Wells Fargo 's ATM, and to this date, Wells Fargo has not provided me with any proof or documentation of the accounting history of that ATM, or the cassettes inside, and are just telling me to trust them. We had literal tens of thousands of dollars in deposit accounts at Wells Fargo, and well over 100k moved through our accounts per annum. Why would I be trying to scam them out of {$100.00}, and why do you, the CFPB, the organization who is supposed to be looking out and PROTECTING the consumer, allow them to steal from us with no recourse or evidence whatsoever.

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 2022-02-04 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: FL

Complaint narrative:
I was checking my credit report and i found out that there are many information which doesn't belong to me. I checked all details from credit report, and i saw, that you have wrong Date of birth XXXX, CORRECT DOB is XX/XX/1988. 
So i believe, that someone used my personal information to apply for these accounts, please, make sure You will inform all 3 bureaus about this mistake.

Because these accounts my credit score is very low, i'm not able to apply for any credit cards or loan, and You know, the situation with Covid-19 is very difficult and now is very hard to survive.

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 2022-02-04 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: FL

Complaint narrative:
I was checking my credit report and i found out that there are many information which doesn't belong to me. I checked all details from credit report, and i saw, that you have wrong Date of birth XXXX, CORRECT DOB is XX/XX/1988. 
So i believe, that someone used my personal information to apply for these accounts, please, make sure You will inform all 3 bureaus about this mistake. 
Because these accounts my credit score is very low, i'm not able to apply for any credit cards or loan, and You know, the situation with Covid-19 is very difficult and now is very hard to survive.

Company response to consumer: Closed with explanation