vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-02 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: CA

Complaint narrative:
I have been a victim of identity theft. I wanted to apply for a mortgage when I realized that I had an account with XXXX XXXX that was unauthorized by me. My personal info has been compromised in a the XXXX Data breach and my information has ended up on the dark web. This account does not belong to me and I did not open it

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 2022-06-02 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: CA

Complaint narrative:
I have been a victim of identity theft. I wanted to apply for a mortgage when I realized that I had an account with XXXX XXXX that was unauthorized by me. My personal info has been compromised in a the Equifax Data breach and my information has ended up on the dark web. This account does not belong to me and I did not open it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: CA

Complaint narrative:
I have been a victim of identity theft. I wanted to apply for a mortgage when I realized that I had an account with XXXX  XXXX that was unauthorized by me. My personal info has been compromised in a the XXXX Data breach and my information has ended up on the dark web. This account does not belong to me and I did not open it

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 2022-06-02 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: CA

Complaint narrative:
This is about disputing case Case Number : XXXX. 
XXXX XXXX XXXX  XXXX provided an estimate with some one elses license number in XX/XX/XXXX. He told me he is licensed and his license is provided in the contract. I paid him {$320.00} as deposit through capital one card and he started working with my approval to his estimate of {$1600.00}. 
He still hasnt finished job as of XX/XX/XXXX and contract is clear that he needs to finish the job by XX/XX/XXXX. Attached is another photo in XX/XX/XXXX that shows another contractor I hired to finish up XXXXXXXX XXXX XXXX  mess.I actually had to paint my house myself since he dropped me at the middle of the job. 
Capital one closed the dispute stating that the case has passed disputing timeline. I know for illegal contracting, the timeline is consistent with fraudulent actions, which capital one has a full promised protection against. XXXX fraud protection. C XXXX failed on this promise. In california, unlicensed contractor cant take more than {$500.00} jobs or its considered illegal. 
I had a similar case with XXXX and soon got money back after almost a year later ( started disputing around 60 days after last development. In this case, last development of the case shall be latest talk with the contractor, which is XX/XX/XXXX, when contractor proves his job undone and post my interior house photos to the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my 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 non-monetary relief
Consumer complaint received 2022-06-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my 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 non-monetary relief
Consumer complaint received 2022-06-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I made a transfer from my XXXX  wallet to Coinbase account for XXXX XXXX  which was valued at XXXX XXXX  which is XXXX XXXX. The transfer went into the Coinbase main account and not my personal Coinbase account. I contacted Coinbase customer service to resolve the issue with my transfer. Coinbase customer service is the worst. I opened multiple tickets ; XXXX on XX/XX/2022 via chat, yet there was no resolve. I made countless phone calls and opened the following tickets to try and resolve the issue, tickets ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Coinbase kept my XXXX XXXX for almost 2 months. On XX/XX/2022, Coinbase transfered the incorrect value into my account. Coinbase transfered {$12.00} worth of XXXX  value at XXXX per XXXX. I have contacted customer service about this issue with proof and they are ignoring the issue. I was not given the correct value. I did not make the transfer on XX/XX/2022, I made the transfer on XX/XX/2022. Coinbase kept my XXXX XXXX for almost 2 months. Then i'm given the lowest value of XXXX? This is unethical and unacceptable.I gave Coinbase plenty of time yet the transfer amount does not reflect the accurate value when the original transfer was made on XX/XX/2022. I want the correct value of XXXX per XXXX which is {$23.00} that was made on XX/XX/2022. 

The value at the time of the transfer was {$23.00} at the time, this is what I expect. The cash value of the transfer was {$23.00} on XX/XX/2022. I'm looking for the value of the transfer on XX/XX/2022, which was XXXX per XXXX at the time. 

The hash of the original transfer is proved below. The transfer was done on XX/XX/2022. 


https : XXXX Other transfers where made on the same day and time. The value at that time is XXXX per XXXX. Coinbase owes me {$11.00} worth of XXXX. 

I opened multiple tickets with no resolve. This is the worst customer service experience. I submitted all the proof that this transfer happened on XX/XX/2022 and the correct amount is {$23.00} in XXXX. 

I want the correct value at the time of the transfer which was XXXX XXXX which equals to {$23.00} at the time. The transfer was done on XX/XX/2022 and the XXXX value was XXXX which had a total value of {$23.00}. I want the remaining balance of {$11.00} worth of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
They locked my account after a direct deposit and kept my money and wont give me access to my money {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation
State: GA

Complaint narrative:
The company is Albert online banking and Ive been locked out of my account.Ive tryed speaking with the customer service representative via Tex and email because they dont have a live agent to talk to.My checks from my employment get deposited in this account and Ive not been able to change my banking password and they have completely stop answering my Tex and email.At this point I dont know who to call and what to do.I feel like this company is a big scam!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: AL

Complaint narrative:
in accordance with the Fair Credit Reporting Act 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 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 XXXXhas violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased on XXXX a room for XXXX nights at the XXXX XXXX in XXXX XXXX, California. The transaction totaled {$470.00}. I arrived on XX/XX/XXXX to a room infested with bed bugs. This was unacceptable and I immediately informed the desk that this was not going to work out because it is unclean and hazardous to my health and I went to XXXX to provide a refund. They did not. 

I then on XX/XX/XXXX filed a dispute with my Card company Chime they have 10 days to investigate the dispute and if more time is needed upon providing a provisional credit have time extended to 45 days. 

It is now XX/XX/XXXX calendar days later and 11 business days later including the a XXXX XXXX holiday. No response of on the investigation is been provided. Also no provisional credit has been added to my account. 

The law on bed bugs in California is ; California Health and Safety Code Section 17920.3 Any building or portion thereof including any dwelling unit, guestroom or suite of rooms, or the premises on which the same is located, in which there exists any of the following listed conditions to an extent that endangers the life, limb, health, property, safety, or welfare of the public or the occupants thereof shall be deemed and hereby is declared to be a substandard building : ( a ) Inadequate sanitation shall include, but not be limited to, the following : Infestation of insects, vermin, or rodents as determined by the health officer. 

General dilapidation or improper maintenance. 

Appendix 2- California Code of Regulations, Title 25, Chapter 1, Subchapter 1 Section 40. Bedding : In every apartment house or hotel, every part of every bed, including the mattress, sheets, blankets, and bedding shall be kept in a clean, dry sanitary condition, free from filth, urine, or other foul matter, and from the XXXX of lice, bedbugs or other insects. The bed linen in a hotel shall be changed before a new guest occupies the bed. In every dwelling unit where linen is furnished, the linen shall be changed before a new guest occupies the dwelling unit. 

25 CCR 40 Bedding. State Housing and Community Development- Bedding Beds in apartments and hotels that supply beds and bedding to renters must ensure that all bedding is clean and free of bedbugs. Linens must be changed before a new occupier occupies the unit. Hotel bedding must be changed before each new guest arrives.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX Paypal completed a transaction for {$3000.00}. The transaction covered a purchase of an electric bike valued at XXXX. Paypal has repeated denied my claims after the seller in question send me a non-working product. After many back and forths, AND MANY proofs, paypal still denied my claim. I have provided invoices ( proving it was broken ), picture evidence of the seller lying and I even have video evidence. 


The owner did not disclose that the vehicle ( ebike in question ) was damaged internally and needs roughly {$350.00} worth of fixing at the point of sale. I have video proof, inspection proof and the seller blocked me on what we used to communicate. 

It costs more than what it's worth to fix it. This is a total scam, he might have as well sent a piece of metal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On XX/XX/2022 I mobile deposited a check for {$1700.00} into my checking account. The next morning I went to log in to check the deposit and couldn't get into my account. Upon calling Chase, I was told that my account had been closed due to " inactivity '' ( the account was open the day prior when I deposited the check ) .The lady on the phone was able to reopen the account. She said that the check was on hold and the funds would be available XX/XX/XXXX. I logged in the next morning and my account was NEGATIVE {$1700.00} ( the amount of the check ). Upon calling again, I was told that the check was returned but no one knew why. I physically went to the business that issued the check and they took me to their bank to see what was going on. The bank that the check was drawn on said that the check had NOT been returned and hadn't even been presented to them yet. The lady at that bank suggested to put a stop pay on the check and have the business issue me a new check, which is what we did. I called Chase nine more times to find out why my account was negative the amount of the check. I finally spoke with a supervisor who informed me that CHASE had rejected the check the second that I deposited it because the image of the check was not readable ( blurry? ). She suggested that I redeposit it. I told her that a stop pay had been placed on it and that I was issued a new check ( which I did not deposit through Chase ). She adjusted my account back to a XXXX balance, which is what it was prior to this whole debacle. I thought everything was fixed and then I logged into my account yesterday ( XXXX ) and my account is now NEGATIVE {$1700.00} ( the check amount PLUS a {$12.00} returned check fee )! They couldn't read the check and rejected it and now all of a sudden they could read it?? It would be different if they had given me the money, I spent it and then the check was returned but the money NEVER hit my account! My account balance should be XXXX, the same amount as before I deposited this " rejected '' check. Now my paychecks are going to be direct deposited into this account and because it is NEGATIVE almost {$2000.00} all of my money will be sucked up to cover an overdraw that shouldn't be an overdraw! I have called and called and called and emailed and NO ONE can seem to fix this!! I need this fixed now!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
in accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX  XXXX  XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX  XXXX  XXXX, XXXX XXXX XXXX  ACCOUNT XXXX XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-06-02 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: AL

Complaint narrative:
in accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX  XXXX  XXXX  ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXXE XXXX ACCOUNT XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ACCOUNT XXXX XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: ME

Complaint narrative:
Fed Loan Servicing told me that with my newest XXXX hr a week job, I could get a second qualifying job and that would make me eligible to continue the Public Loan Service Forgiveness program. Today they sent to me a letter claiming my job ( s ) are not eligible, when both are non-profit and eligible companies, and combined also make me eligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my 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 non-monetary relief
Consumer complaint received 2022-06-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my 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 non-monetary relief
Consumer complaint received 2022-06-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened both a Citi priority  checking and Citi savings account online on XXXX XXXX. I was instantly approved and funded the accounts by a direct link to from my XXXX XXXX  account. {$5000.00} was sent to checking and {$10000.00} to savings. The money was accepted and withdrawn by Citibank. I received email confirmation of my accounts opening. On XXXX XXXX I received an email stating my accounts were blocked due to " security reasons to safeguard my information. '' I called citibank and was told I could not have the funds returned electronically. They would be sent via US Mail. The check would be sent by 60 business days. 

I do not understand how they can open accounts and accept money from me and THEN do the security check. I am unable to have access to my own money.

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 2022-06-02 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: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
On XXXX XX/XX/XXXX I received a notification that I was added as an authorized user on a XXXX XXXX XXXX account that made 100 % of payments on time. I thought this was odd and atypical of a fraudulent account so I checked with those close to me if they had added me. My parents recognized the account as one of theirs but had not added me ( I believe this as they have 0 reason to add me and that is their least used credit card ). It came up on my XXXX report as FNB Omaha and has an account opening date of 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