vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX {$600.00} was withdrawn out of my savings account. My PIN number was changed by an individual that gained access at the branch and withdrawal out of my account the same day. Chase bank allowed someone to access my account without my permission. On XX/XX/XXXX Ive been disputing this transaction for chase to take action on returning the money that was withdrawn. Chase sends me a letter stating We are denying your claim because we determined that the item ( s ) being disputed were authorized or you received benefit from the item ( s ). We will not reimburse your account. 
I did not authorize or receive benefit from {$600.00} being withdrawn by my account. Chase needs to take responsibility for allowing someone to commit fraud and changing my PIN number to my debit card to withdraw money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the creditor however there is nothing notated on my credit reports that this account was ever disputed. that is a violation and this account need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: GA

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the collection agency however there is nothing notated on my credit reports that this account was ever disputed. that is a violation and this account need to be deleted.

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 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
XXXX keeps selling a debt that does not and has not belong to me. It has been removed several times from credit bureau. They keep putting it back on my credit report as a new account and I have to dispute all over again and fight it all over again this is the 4th time they have switched collectors and added it as a new account.

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 2022-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: I.C. System, Inc.
State: CA

Complaint narrative:
In XXXX I started school for XXXX XXXX XXXX I received a XXXX XXXX for this tuition the Pell Grant specifically stated what the itemized issues with the money was going to be used for this included tuition materials student transportation also the student for food and rent and most definitely to pay the school after 3 months of being in school working on a laptop I never received one penny from this grant my understanding was they were going to buy me a laptop pin paper materials books rulers things that I needed to continue in school I never received anything I had to buy my own laptop with my own money after 3 months of this they sent me a bill in the mail saying I own {$600.00} for tuition I contacted the federal government and they stated that they were paying the grant was on its way I didn't have any more money to continue buying materials that I needed for class so I dropped up under the understanding is that the school did not provide what they said they were going to provide for me in order to continue being schooled that is my dispute so I'm not paying them back no matter what I didn't receive nothing and I still have to pay their money no the grant was for me not for them

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 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
My complaint is against Shellpoint Mortgage Servicing Company. I have been trying to get my PMI removed from my account. I have fulfilled all requirements for the removal. ( Please see attached letter. ) I believe this was a deliberate attempt to keep me from having the PMI removed. I received the amount paid for the XXXX XX/XX/2021. Thank you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: E*TRADE BANK
State: IL

Complaint narrative:
ETRADE BANK I have had a 5 year CD ( earning less than {$2.00} a year ) that I have been trying to close for 15 years. Each time they never respond until the 7 day grace period is over and then insist on such a hefty fee, I have just left it. 

This year I was determined to close it on it's maturity date of XX/XX/2022. I spoke in XXXX to a helpful customer service person who instructed me on the form I was supposed to complete and upload. I did that on XX/XX/XXXX. The file said 'in progress ' for weeks and finally a few days before maturity, I waited 47 minutes online in the middle of the night to get through to customer service. I talked to a helpful woman named XXXX XXXX who informed me they were waiting for me to upload my ID. No one had told me this, though it had been sitting 'in progress ' for a month. 

I uploaded my ID. Three days after maturity, still nothing. I waited now 88 minutes on hold and talked to another helpful customer service person named XXXX XXXX supposedly brought it to one of his superiors who said it would be paid out within 5 business days after maturity. 

It has now been nine days since maturity and there is no movement whatsoever on the account. 

Please check the complaints on their XXXX book for similar issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A : States that I have the right to privacy.

15 U.S.C. 1681 section 604 A : It also states that a consumer reporting agency can not furnish a account without my written Instruction.

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 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: GA

Complaint narrative:
I never lived in Virginia or had and power service in Virginia I have tried to dispute this numerous times and they keep saying they disagree. Someone use my info and ran up a XXXX $ bill in electricity. It's not me or my authorization of this bill or account. I need it removed.I have not supplied proof under the doctrine of the estoppel by silence. Engelhardt v. Gravens ( XXXX ) 282 SW 715. 719.! I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
The vehicle was given up as a voluntary repossession after the transmission gave out and the dealership refused to cover it under an extended warranty we paid for. After repossession the auctioned off the vehicle and initially removed this amount from the remaining balance of the loan. After multiple years of trying to work out a deal, they removed all liability from the primary account holder and reinstated the full unpaid amount back onto my credit report, as if they had never auctioned the vehicle off at all.

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 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A : States that I have the right to privacy.

15 U.S.C. 1681 section 604 A : It also states that a consumer reporting agency can not furnish a account without my written Instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: NV

Complaint narrative:
I successfully registered on Gemini 's website as US customer, ( State of Nevada ) and verified both my e-mail address and my phone number. I provided my full legal name, complete address, SSN and successfully uploaded my Valid, ( unexpired ) and clearly visible State ( Federally Recognized ) REAL ID. My account has been approved and I ALSO already VERIFIED my domestic Bank Account via XXXX using my online banking credentials. 
According their own TOS the ONLY document required for U.S. Applicants as Proof of identity is a valid state-issued ID, BUT after a week my IDENTITY is instead WRONGFULLY stuck in " PENDING REVIEW STATUS ''. 
No Further Requirement is Stated in their own TOS & FAQ for identity verification. They have everything they need to complete the identity verification for my account, but nobody have cleared my ID Verification by simply looking at the photos of the ID I uploaded. 
I contacted them and they illegally require me to Wire money from my Bank Account to " complete my identity verification ''. This is a known error in their system, but they dont bother to fix it. 
PAY CAREFUL ATTENTION TO THE FACT THAT by their own RULES, THE WIRE DEPOSIT REQUIREMENT - to validate the bank account, NEVER for IDENTITY BTW- IS ONLY FOR THOSE who : " are unable to link your bank account via XXXX or prefer not using your online banking credentials to register your bank account, ''. I SUCCESSFULLY LINKED my bank account via Plaid using my online banking credentials to register and verify it - NO NEED FOR WIRE. As for their own website, I should be able to transfer funds into my Gemini account, since my bank account is fully linked and verified. 
However, in order to be able to do that, Gemini needs to look at my Id and complete the identity verification for my account. Asking for a mandatory Wire is DISCRIMINATION, since it's not a policy or a requirement they publish or they ask any customer. Therefore, Gemini can either : 1 ) Look at the documents ( ID ) I already have uploaded while onboarding and complete my verification manually ( XXXX their 3rd party provider for the verification assured me you have everything and can contact them for help if you have trouble with the process ) or if for any reason they need the upload of new pictures, 2 ) they can create and send me a secure link to upload the new photos as they are supposed to according their own TOS. 
This is a SHORT Summary of the claim. 
THE COMPLETE FULL CLAIM IS ATTACHED PLEASE READ THE ATTACHMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2022 I was a victim of scammers who posed as USAA representatives to access my account. I immediately contacted USAA and they immediately refunded the money to my accounts and issued me new debit cards for my checking and savings accounts. I received my cards and thought everything was fine until I attempted to do a mobile deposit and was not allowed. I then called USAA and was told a ridiculous hold time of 3 hours on the automated phone system. So I reached out via USAA members chat on line. I was informed that it may take up to 3 days for the fraud department to put my account back to normal. Today is XXXX XXXX and my account is still frozen and I cant reach anyone at USAA to discuss this and I can not access my money. There is no branch to go into because this is an online credit union. They have blocked my calls from coming through because the account is flagged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
On XX/XX/XXXX I got a notification from XXXX, through XXXX XXXX that the account was closed. It was not on my credit or collections from XX/XX/XXXX tbrough XXXX XXXX. Then after it was closed it shows back up on my credit. An account that is closed can not be reopened or put back on your credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: NJ

Complaint narrative:
XX/XX/XXXX I submitted a dispute of a XXXX account. That account was not mine, didnt have my legal name and had my grandfathers address. Its a mixed file and I havent gotten a response from XXXX or TransUnion. TransUnion dropped my credit score below 650. Every time I file a complaint about a credit agent my scores sinks

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 2022-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I took the Covid-19 related forebearance because my workplace was closed and I couldnt make payments. Since the forebearance ended Ive tried to communicate with my lender to do a loan modification to bring my mortgage current but they refuse to communicate with me. Ive sent all my documents 7 times but I keep getting letters saying they dont have my documents and no one will talk to me except to say they need my documents and they are threatening foreclosure but no one will talk to me or help me. They are asking for documents signed by my ex spouse that I have been divorced from for 25 years for XXXX XXXX reasons and he signed a quit claim deed in our divorce and I have no idea where he is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On XX/XX/XXXX I got a notification from XXXX, through XXXXXXXX XXXX that the account was closed. It was not on my credit or collections from XX/XX/XXXX tbrough XXXX XXXX. Then after it was closed it shows back up on my credit. An account that is closed can not be reopened or put back on your credit 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 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-05 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: CT

Complaint narrative:
XXXX has opened a fraudulent account issued in my name and there's is a balance of {$1800.00}. 
Experian reported this charge originally, which I did not recognize that is past due with a company I have never heard of XXXX. I immediately disputed the charch XX/XX/XXXX with Experian. 
I also sent the below email to XXXX XX/XX/XXXX and have attempted to call them to directly dispute without response. 
" I would like someone to contact me as soon as possible regarding a delinquent account that was opened on my name fraudulently and is erroneously now appearing on my Experian credit report. I do not have business with you and expect this to be rectified with immediate effect. '' This is not my account. It is a fraudulent account.

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 2022-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
Cash app froze my funds ( It was only around {$200.00} but it's the principle ) due to a fraud company sending them a notice that I had a XXXX  XXXX. I have no ties to that company so I went on line and got my dissolved papers for my old business that we paid off our bills and closed during the pandemic. We no longer have the business and all cash app had to do was go to the secretary of states office online and search my name. 



The least cash app could do was send the funds back to the people who sent the money to my cash app. 



I can't even close my cash app account, they want let you close the account if you have funds in it and they want let you cash the funds out? 

Cash app is so messed up. 



When I first got the Cash app, there were several fraudulent charges on my bank account for {$5.00}? I had to get a stop payment reversal through my bank. The bank said that they didn't know how Cash app was able to charge my bank account that wasn't even linked to the Cash app card?

Company response to consumer: Closed with explanation