vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
Hi there, I am from XXXX and I was using the exchange platform called Kraken ( www.Kraken.com ) So I was using it with all due verifications, then on Monday, XX/XX/XXXX my funds were " frozen '' they were kept on hold, and when I asked the reason why they are on hold, on Tuesday, XX/XX/XXXX I was told to provide a picture with a handwritten note - " Only for trading digital currency on www.kraken.com - my e-mail address is **** '' and include : the current date your signature # *** " ; So I sent them the picture and form they asked to fill, the form was with the following questions : 1 ) Acknowledge the statements, indicating Yes or No beside each. 
You are opening and operating your Kraken account without the assistance of a third party individual. 
You have not shared access to your Kraken account ( either using remote access software and/or providing your accounts login credentials ) with a third party individual/company. 
You have not been contacted by a third party individual/company and instructed to set up a Kraken account for the purpose of withdrawing crypto to a third party platform. 
You understand that cryptocurrency withdraws are irreversible ( meaning you can not reverse the withdraw or recall the funds once you have executed the withdraw ). 
You are complying with Section 13 of our Terms of Service*. 

So then I was asked if I have only one account since they saw that someone tried to open another account from my device, my answer was - " I have only one account and no one uses my devices except me, what should I do?? i am going to change my password from my devices, should I change my account password? Tell me please what to do? '' Then no answer for the whole day. On the next day Wednesday XX/XX/XXXX i received the message from them stating that they have closed my account without any explanation ( please see the attached email screenshot ) So for no reason, they closed my account without explaining anything even though I went through all verifications and even through additional verification with a picture of me. I lost money due to that and lost time I want them to restore my account fully, if this is because I am from XXXX then they should remove XXXX from the list of supporting countries. 

Please help me with this issue, it's unfair and unjust to close the account for no reason. 
Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: NC

Complaint narrative:
My husband and I are trying to buy a home. Our lender has been working with us diligently and patiently. However, calling Equifax has been frustrating and time-consuming. I have called on numerous occasions to have someone fix my account as I am not able to lift my security freeze. The ongoing calls have been a month going on two months consecutively. 

On XX/XX/XXXX, I called back to Equifax to get my security freeze lifted. I provided all the pertinent information and explain the problem. When I log onto my.equifax.com, tab on manage my freeze, put in the dates I wish to temporarily lift the freeze, it gives me an error message asking me to call Equifax. This is how I know it is STILL not fixed after months of calling. ( See attachment for error ). The first representative by the name of XXXX, ID # XXXX, during the phone call, he stated the problem was fixed but he could not send me a confirmation number. I questioned his resolution of fixing the problem, but he could not provide an answer. Then, hung up and called my lender to inform the problem was fixed. My lender in-turned stated the problem was not fixed. Call back the second time, spoke to a representative name XXXX, ID # XXXX, stated the problem will be addressed and she placed me on hold for XXXX minutes. She came back and stated someone in Consumer affairs by the name of XXXX will fix the problem. I asked if she could transfer me to that department to speak with XXXX to make sure this is taken care of. She said she could not. I asked for a supervisor. A man by the name of XXXX, ID # XXXX stated he was a supervisor. I told him the issue, and he stated he see the problem but couldn't fix it. I told him this is unacceptable. The purpose of having a security freeze is for consumers to have control of their credit to prevent fraud from outsiders. However, I could not access my own account. He transferred me to someone else by the name of XXXX that says he is in Consumer Affairs. He provided a case # XXXX. I have been giving case numbers after case numbers and my account is still not rectified. This need to be escalated and corrected ASAP as this has held up our life pursuing a mortgage loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: GA

Complaint narrative:
First investors Financial services sold this debt to XXXX XXXX XXXX XXXX XXXX and one XX/XX/XXXX I paid the amount owed in full but they are still reporting on my credit Date account open XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: NJ

Complaint narrative:
I submitted my FTC complaint to Experian informing them of accounts that were not mine. Along with the FTC complaint I submitted supporting documents such as my ID and social. I have been informing Experian for months that they legally must remove the fraudulent accounts but they still continue to report the accounts. By law, I have the right to instruct what I want reporting on my consumer report 15 USC 1681b- permissible purposes of consumer reports, any consumer reporting agency may furnish a consumer report under the following circumstances and no other - ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
These accounts are NOT mine, they are fraudulent ( I have submitted multiple FTC reports ), and they must be removed from my credit report and file : XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian sent an update after I submitted my written request dated XX/XX/2021, with them updating information on the XXXX account ( XXXX ) but not deleting it. It is now reporting as a charge off. Experian is breaking the law and ignoring, 1. My FTC complaint 2. Furnishing a report without my written consent.

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 2021-06-09 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: GA

Complaint narrative:
On XX/XX/2021 I disputed an account with the credit bureau The account information came back as verified and I have requested proof of verification and not received it. 

The account does not belong to me and if they have information where someone has been allowed an account in my name I need to be provided with the documentation so that I may pursue further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On XX/XX/2021, I ordered what I thought was from XXXX off of social media. When I received the receipt from PaPal I instantly contacted them telling them that I thought it was a scam and disputed the transaction. They denied my dispute and did not bother giving me an explanation. On XX/XX/XXXX, I received an update that the item I ordered was shipped. A few days before that email notification from PayPal, I received a small envelope with the same tracking number. It was a small self-adhesive hook. It was not what I ordered. I have tried to contact Paypal and have had no response other than to tell me that the case was closed. I used PayPal because they say they have " customer protection and help in cases like these. This is false PayPal does not help it this matter or even bother reaching out with anything other than an automated 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 monetary relief
Consumer complaint received 2021-06-09 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: LA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: IA

Complaint narrative:
Transunion, XXXX, and XXXX  all have furnished reports on my behave with out my written consent and arent helping remove these negative items that is imparing my trust in the banking system and the consumer reporting agency. These reports are identity theft because no consent was ever given. ( 15 usc 1681 ( B ), written consent never granted, ( 15 usc 1681 ) this information is not supposed to be included in my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: States Recovery Systems, Inc.
State: NV

Complaint narrative:
I had a bank account with XXXX XXXX XXXX XXXX XXXX, and I was overdrawn they contacted me to make arrangements on the account, which I did they closed the account and advised me that they were going to convert the deposit account balance to a loan balance so they could send it to a collection agency. The balance on this account is for fees only for having the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: TX

Complaint narrative:
Ive disputed the two Bankruptcies with XXXX XXXX XXXX and Experian that doesnt belong to me. Yet they say its verified and to be mine, Ive spoke to the Bankruptcy court and they dont even give this type of information with credit bureaus so how is this being verified. Please remove these items they are immaculate and incorrect. I XXXX XXXX XXXX  have found XXXX XXXX XXXX to be on my report as a third party representative for me again these are not mine I demand removal as I have not authorized these people to represent me this again does not comply with the FCRA. Remove immediately

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 2021-06-09 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Dear Sir or Madam : I am writing to request the removal of JPMCB CARD SERVICES for regarding a delinquency of 30 days as of XX/XX/2017. I have attempted to set up minimum payments to be automatically processed, and their system did not process the payment due to an error that needed to be remedied later with a customer service representative. I have never had a late payment and I am asking that this is removed from my credit report. I am requesting the removal of this item from my credit report. I am a XXXX XXXX  employee trying to purchase my first home which is not easy, and this is negatively affecting me. Chase financial services is choosing to stubbornly cling to their belief that I have made a late payment despite my attempt to pay this on time and my flawless payment history otherwise. Please request that they remove this late payment report. 

Kind regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX XXXX XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waterfall Revenue Group
State: PA

Complaint narrative:
I noticed this account on my credit despite receiving no information from this company whatsoever, a violation of the FCRA. I noticed the account had assessed interest and fees, another violation, this time the FDCPA, and FCRA. I mailed them a dispute, as per my rights granted under the same laws. I first wrote a dispute to TRAF GROUP/A-1 COLLECTIONS, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX NJ XXXX. The following month the Company changed it's name and address to WATERFALL REVENUE GROUP, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX. Knowing they had again violated the FDCPA and FCRA, I wrote them another letter to the new address. That letter was returned to me. I have a right to dispute, I have a right to know who is reporting on my credit, and they have violated those rights. They have reported false information, they have reported inaccurate account information, and they have misreported their address, after a debt was disputed. I DEMAND JUSTICE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: TX

Complaint narrative:
Ive disputed the two Bankruptcies with Trans union XXXX and XXXX that doesnt belong to me. Yet they say its verified and to be mine, Ive spoke to the Bankruptcy court and they dont even give this type of information with credit bureaus so how is this being verified. Please remove these items they are immaculate and incorrect. I XXXX XXXX XXXX  have found XXXX XXXX XXXX to be on my report as a third party representative for me again these are not mine I demand removal as I have not authorized these people to represent me this again does not comply with the FCRA. Remove immediately

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 2021-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX sold this debt to XXXX XXXX XXXX XXXX XXXX and one XX/XX/XXXX I paid the amount owed in full but they are still reporting on my credit Date account open XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXs sold this debt to XXXX XXXX XXXX XXXX XXXX and XXXX XX/XX/XXXX I paid the amount owed in full but they are still reporting on my credit Date account open XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/XXXX sold this debt to XXXX XXXX XXXX XXXX XXXX and XXXX XX/XX/XXXX I paid the amount owed in full but they are still reporting on my credit Date account open XX/XX/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 explanation
Consumer complaint received 2021-06-09 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: TN

Complaint narrative:
I have disputed this issue on several occasions now and it is impossible to get fixed. 

Summary of Experian 's efforts below. 

XXXX, XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

The problem is Experian is not doing their due diligence. XXXX should have never been reported to by XXXX, therefore XXXX is not relevant nor should have any input. If you want to get to the bottom of the issue, Experian needs to contact the company that reported to XXXX erroneously. XXXX originally tried to collecting a debt that did not exist and then reported to XXXX. When I contacted XXXX they admitted it was not accurate and to cease collections and fix issue. XXXX is a completely bogus collection, because it only exist because of a XXXX error and not anything to do with me.

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 2021-06-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
disputed a transaction with capital one regarding a transaction with XXXX XXXX to which they double charged me for a transaction for services that were not rendered, i paid for a booking through a 3rd party for a flight via XXXX on XX/XX/2021, ITNIERY and confirmation XXXX FOR {$90.00} WHICH IS THE ACCURATE CHARGE XXXX CHARGED ME ADDITIONAL XXXX WITH A CONFIRMATION " XXXX '' the same day XX/XX/2021 when i called XXXX they acknowledged the error, but stated they can not process a refund, they can issue me a credit voucher for future travel to which i refused, I DO NOT WANT A VOUCHER, I DO NOT WANT TO USE THEIR HORRIBLE SERVICE, THERE WAS NO SERVICES RENDERED TO JUSTIFY THE TRANSACTION, SO IM NOT OBLIGATED TO GIVE XXXX ANY MONEY! AND CAPITAL ONE, IS UPHOLDING THE TRANSACTION!! I PROVIDED PROOF ND NOW THEY ADDED THE BALANCE TO MY ACCOUNT, TO REPORT TO THE CREDIT BUREAUS WHICH IS UNACCEPTABLE, WHERE IS THE PROOF THAT SERVICES WERE RENDERED FOR XXXX

Company response to consumer: Closed with monetary relief