vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-26 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: FL

Complaint narrative:
I have contacted this company several times along with Equifax to have this account removed from my credit report. They ask me to contact Equifax to have the notations removed which I did. I have attached the letters provided to me that assured me that this would be removed from my credit report. It is not my responsibility to correct this issue but in still have been given the run around by both XXXX XXXX XXXX and Equifax. It has been over a year going into two years and this is still on my credit report. This should not be a dispute at this point it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
National credit adjusters did not send me information to verify the debt. I have sent corespondent for almost a year and still no response from the Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Im filing a complaint against the company Affirm who have been negligent and deceptive. They have violated multiple consumer and federal laws. They have been reporting inaccurately on my credit report and harassing me saying I owe a debt. On my report its showing them as the Creditor when in fact I am the Original creditor according to CFPB Laws, a creditor is a person ( me ) and theyre reporting as the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
My Citi bank checking account got closed on XX/XX/XXXX. And Citi bank agent told me that the funds total {$32000.00} in my account would mail to me within 7-10 business days after XX/XX/XXXX. Today it's XX/XX/XXXX, I didn't receive any funds/checks from Citi bank . I called them at least 50 times in these 2 months. The agents told me that check was sent then requested another check twice for me and asked me to wait for the 7-10 days, just keep waiting for it. I asked for the tracking number and they never gave me. So Citi bank is playing the game and won't send me the funds. It's nonreasonable. I complanited to them so many times and they didn't do any further action.

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 2021-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: GA

Complaint narrative:
A letter dated XX/XX/XXXX was received from XXXX that I was released from a debt where my name was forged. I had submitted their Forgery Questionnaire on XX/XX/XXXX. 

Since then two companies have contacted me. XXXX XXXX XXXX XXXX via Ms. XXXX XXXX contacted me XX/XX/XXXX. I promptly sent the letter that I had received from XXXX and she said that the letter clearly states that I was released from this debt. Most recently, I was contacted by XXXX XXXX from Vance and Huffman inquiring about this same debt from XXXX. As of today ( XX/XX/XXXX ), I forwarded the email that I sent to XXXX XXXX XXXX XXXX that includes the documentation that I was released from this debt. 

I feel harassed and I want these phone calls to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26 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: GA

Complaint narrative:
Credit Reporting Agencies and Collection Agencies violated the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LDF Holdings, LLC
State: MS

Complaint narrative:
On XX/XX/2021 I email the company to revoke my ACH payment for the XXXX XXXX. In the contract it states that I have to call or email 3 or more days before the payment is due. On XXXX XXXX I called at XXXX XXXX. to make a payment from my debit card but to realized that they have already ACH my account already. I informed them that I email them and they told me that they didn't receive any email from me. About XXXX. I received an email from them about revoke the XXXX payment and which I replied to showing where I emailed on XX/XX/XXXX. They still insist that I didn't email them and they I had the wrong email address, but I replied to the email that they the sent me to show where I email them on XX/XX/XXXX. I told them I wanted them to refund me that payment because I followed what the contract said to do and they breached the contract. They have refused to do anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I opened an auto loan account with Wells Fargo in XX/XX/2019. I made the final payment on XX/XX/XXXX for the full payoff amount on the Wells Fargo online portal. I received no confirmation via email or no updates since the final payoff. 

2 days later, on XX/XX/XXXX, when I attempted to login to the online portal, the system rejected my login and does not allow me to access any of my loan documents, statements etc. Further, when I try to call the customer service line to Wells Fargo, I am directed to an automated verification system that no longer recognizes my account number OR my social security number. In effect, Wells Fargo appears to have closed the account WITHOUT any confirmation or notice and, more importantly, has not sent me a loan release document OR returned my car title. 

When I get through to the general customer service line, they tell me they are helpless and I need to go to the nearest branch, which is in an entirely different state, over 100 miles away. I am at a loss to how a federally recognized financial institution is able to get away with defrauding customers in this fashion, with no confirmations, no receipts, no notices to account closures and without returning car titles upon loan payoff.

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 2021-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
Let 's go over the reasons Clover in our legal opinion is shady, bizarre and a terrible credit card merchant service : ( 1 ) if and when you receive a " Dispute '' and try to login to their server to respond, you will be told by their system to " enable cookies '' even when your cookies are " enabled '' in my case using XXXX XXXX  which 99 % of humanity uses, otherwise they " can't help you '' and keep you on hold for 30 minutes or more, transferring you all over the place to different clueless, non-technical people who don't speak English as a first language each of them making you " verify '' yourself through painful, multi-tier questions/answers more akin to XXXX XXXX than a credit card merchant service; ( 2 ) these people keep telling you to switch to a different browser " XXXX XXXX '' which is truly bizarre ( and definitely sounds immoral/illegal ) to force their customers to download/switch to a different browser in order to keep our duly earned money ; ( 3 ) when you search for their address online it is virtually impossible - the address we have provided herein the XXXX  complaint is a guessing game, at that. 

Please urgently investigate and advise.

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 2021-10-26 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 have contacted Equifax on numerous times via phone and I have also sent in many disputes about fraudulent credit inquiries on my credit profile, I have also sent in a copy of my identity theft report and still the fraudulent inquiries remain on my report. I contacted Equifax on XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: NY

Complaint narrative:
My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: NY

Complaint narrative:
My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer 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 non-monetary relief
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I did a credit report through the 3 major credit unions and saw fraudulent transactions through XXXX for the amount of XXXX $ and XXXX XXXX for the amount of over XXXX . I was incarcerated at the time of these transactions and wish to have them removed from my credit report. I reported this to XXXX, XXXX XXXX & experian

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 2021-10-26 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: PA

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 2021-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
As a federally protected consumer and natural person BANK OF AMERICA has violated my rights.BANK OF AMERICA is in violation of the ELECTRONIC FUNDS TRANSFER ACT ( REGULATION E ) .Pursuant to 12 CFR 1005.2 ( I ) & 15 U.S. Code 1693a ( 9 ) Financial institution means a bank that directly or indirectly holds an account belonging to a consumer.The account BANK OF AMERICA holds for me belongs to me only not them.BANK OF AMERICA is also in violation of the TRUTH IN LENDING ACT ( REGULATION Z ). Pursuant to 12 CFR 226.2 ( 20 ) they have violated the terms of our open end credit plan. TAKE NOTICE PURSUANT TO 15 U.S. CODE 1666 ( E ) THE CREDITOR LEGALLY AGREES TO FORFEITS ANY RIGHTS TO COLLECT FROM THE OBLIGOR THE AMOUNT INDICATED IN THIS DISPUTE, WITH RESOLVING THESE BILLING ERRORS.AS THE CREDITOR, YOU BANK OF AMERICA MAY NOT COLLECT ANY DISPUTED AMOUNT, I THE CONSUMER DOES NOT NEED TO PAY, A CREDITOR SHALL NOT ACCELERATE ANY PART OF THE CONSUMER 'S INDEBTEDNESS OR RESTRICT OR CLOSE A CONSUMER 'S ACCOUNT SOLELY BECAUSE THE CONSUMER HAS EXERCISED IN GOOD FAITH RIGHTS PROVIDED BY THIS SECTION.SUCH ACTIONS BY BANK OF AMERICA WILL FORFEIT ITS RIGHTS TO COLLECT THE DISPUTED AMOUNT AS DESCRIBED IN 15 U.S. CODE 1666 ( E ) AND PURSUANT TO 12 CFR 1026.13 ( D ) ( 3 ) ; AND HOLD THE CREDITOR BANK OF AMERICA LIABLE PURSUANT TO 15 U.S. CODE 1693M FOR THE ACTUAL DAMAGE CAUSED TO I.

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 2021-10-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX/XXXX-Date of Inquiry XX/XX/XXXX XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX  XXXX  XXXX XXXXDate of Inquiry XXXX XXXX XXXX XXXX XXXXDate of Inquiry XXXX XXXX, XXXX XXXX/XXXX-Date of Inquiry XXXX XXXX, XXXX XXXX XXXX-Date of Inquiry XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: MD

Complaint narrative:
I received an email from NETSPEND regarding a debit card or prepaid card that I didn't apply for. My email was compromised and I have been receiving fraudulent messages from my providers as well as someone trying to get COVID funds in my name from unemployment.

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 2021-10-26 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: AZ

Complaint narrative:
My name is XXXX XXXX, my identity got stolen. You should blocked the information in the file that I've mentioned. I am submitting the copy of my ID, an Identity theft report and a notarized identity theft affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am filing this complaint because my rights as a consumer have been violated under the FCRA because I have not heard anything from this company in 90 days regarding my disputes and I have sent two dispute letters requesting a debt validation to PRO COLLECT and all they sent me is a template response

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 2021-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I was a victing of a Hacker. 

The Hacker was able to access to my cellphone and attempted to transfer money from my bank account to an a Coinbase account. 

- First transfer was of XXXX $ - Second transfer was of XXXX $ Both transfers were made XX/XX/XXXX between XXXX XXXX. 

When I was alerted of the danger the morning of on XX/XX/XXXX, I declined the two transfers with my bank and after that I tried to contact Coinbase to alerted them that my Coinbase account has been hacked, I explained to them throught emails that someone from Coinbase made two unathorized transactions to my checking account and I lost the access to my Coinbase account. 

My first email to Coinbase was XX/XX/XXXX at XXXX I only have received from Coinbase automatic emails as response. 

On my Coinbase account last time I had access I had a balance of aproximatly XXXX $ I've been sending more than 20-30 emails to Coinbase support during all this months. 
After 4 months, on XXXX they helped me to recover my account and I was able to gain access. My assets of XXXX $ disappear and now they say that I owe to Coinbase a debt of XXXX $ for reversal transactions with my bank. 

They say that they understand my situation but that I'm responsible for the security of my devices and they are closing the case. 

I'm not only losing my assets of aproximatly XXXX $ they are asking me for Coinbase 's losses due to a criminal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting inaccurate information to my transunion credit report. They are stating that I owe a debt of {$51.00} and have reported to my credit report as charged off. I haven't done business with this company and I do not owe them anything. According to the Fair Credit Reporting Act, section 609, they are required by federal law to verify, through the physical verification of the original signed consumer contract, and and all accounts that they post to my credit report. Otherwise anyone paying for their reporting services could fax, mail, or email in a fraudulent account. These reporting 's are inaccurate

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 2021-10-26 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I would like to say thank you Consumer Financial Protection Bureau and thank you for your help in protecting consumers against fraudulent acts of companies. I recently reviewed my credit profile and .... I would like to inform you of violations of the FCRA that this company has commited. This company has violated statute 15 USC 1681a ( 2 ) ( B ) of the exclusion section of consumer reports for the account number XXXX To remind this company of this law I have included it here. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Let me also remind this company of the definition of " credit card '' that's defined under the Truth in Lending Act 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I did in fact use my credit card, in this instance my social security card to obtain property on credit. This company approved my credit card, and this company provided me directly an extension of credit that originated from me, the original creditor that's defined under the Truth in Lending Act ( TILA ), which also makes this company a creditor. This information that this company is reporting on my credit profile must be excluded and they must delete their tradeline immediately. I have attached a description of the tradeline that should be excluded from my credit profile. I have also attached the contract that makes this claim true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened an account but at the time of depositing some checks with the application they were not accepted and they closed my account still with money inside, due to an alleged fraud, I have gone several times personally to the bank and also called online but they do not solve anything, my money is lost, Ive been trying to call for weeks

Company response to consumer: Closed with explanation