vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Yesterday, I contacted y'all support number to not link my bank account to the XXXX XXXX oXXXX XXXX or XXXX XXXX or XXXX XXXX for cash. It says this internal error occurred. We have been notified about the problem, and for XXXX play, it says this An unexpected error has occurred. Please try again later. [ XXXX ] and XXXX says Something went wrong We couldn't link your bank. Try again later, and I can't connect it to any other apps too. I contacted y'all support team, and they told me nothing is wrong with my account, but my other family can link their bank account to their apps ; please help me fix my issues.

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 2021-03-21 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: MS

Complaint narrative:
On XX/XX/2021, I mailed a letter about inaccurate accounts showing on my credit report and asked for an investigation. It has been 2 months and I still haven't received results of an investigation and these unverified accounts are still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I've been trying to recover my paypal account. Its started when my money is on hold and i waited for many days before they returned it. I already send details for account limitation but they responded that i am permanently limited. Now i cant even convert my USD money to PHP. It always stated that " Were sorry, things dont appear to be working right now. Try again later. '' How can i convert my money and how to withdraw it? Can my paypal account limited becomes unlimited again? How? Thanks and i hope you could help me resolve my problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
An unemployment claim was fraudulently made in my name. 
I received a USBank ReliaCard in the mail that I did not request and my employer did not authorize or send. 
I want this card and account closed so no one may use a copy in my name or another name. 
My employer contacted me about the fraudulent claim, I received a notice from unemployment and made a claim with them, then I received this card in the mail.

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 2021-03-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was a few days late with credit card payment due to an over site, credit card company notified me and I immediately made the payment triple of what to be made. I have a perfect payment history always paying early and much more than required. I was notified by XXXX XXXX that XXXX lowered my credit limit because of this over site do to illness in the family possibly XXXX or XXXX. This is absolutely ridiculous due to perfect payment history with this company. Upon notice of this credit limit change I paid credit card in full. This type of nonsense is intolerable and disrupts peoples credit. I called XXXX XXXX and was told that XXXX makes these decisions. This has got to stop, it is hurting too many people during this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: AR

Complaint narrative:
I have transferred money to Gemini. ( XXXXXXXX  ) They are holding my funds and are telling me that I can not withdraw them due to an account verification hold. I have submitted the appropriate documentation and followed up with numerous emails to achieve their verification. I have not been able to get any response. I have been waiting for 5 days for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I had two loans with NetCredit. The first I paid off almost immediately with on-time payments. They do not report that loan on my credit report. The second I defaulted on within the first year ( the interest was 84 % a year ), but they claimed that I was still making ACH payments on the loan long after it had defaulted. I made the principle in payments before I could not keep up with the excessive payment schedule. This was in XXXX. 

I have contacted them several times and to no avail. I submitted a dispute through XXXX or XXXX, and instead of updating my loan as paid off, they changed it to only 50 % on-time payments. Additionally, they sold that loan to a debt firm but continue to report it as though they own the loan. 

So reported incorrectly, inaccurately. 

First loan was {$2600.00}, account ID XXXX, funded XX/XX/XXXX. Paid off XX/XX/XXXX. 

Second loan was {$7200.00}, account ID XXXX, funded XX/XX/XXXX. On XX/XX/XXXX I cancelled the ACH auto deduction they were doing to my account. On XX/XX/XXXX they started charging my bank account again at a reduced amount but then accelerated payment, after 8 months of contacting them repeatedly about the balance. On XX/XX/XXXX they sold the account to another company. They continue to report it as a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-03-21 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: GA

Complaint narrative:
I am becoming more and more frustrated with your company. Upon finding these errors being reported on my credit report I have taken the necessary steps in order to inform you all of the errors. Nevertheless you all are not doing your part to resolve my issues. My family and I are becoming very impatient. My attorney told me to send this letter in order to alert you all of these errors before taking legal action. I am a person that goes to work everyday in order to make sure my family have equal opportunities just like everyone else. I am a consumer that refuses to be a victim of harassment or abuse. According to 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. Reporting false information on someone's credit report is detrimental to a consumer 's reputation. Sending letters an a attempt to collect debt from a consumer who debts do not belong to is also a form of harassment which is another violation of 15 USC 162d 1. ( 1 ) Constantly sending mail that has symbols of a debt collector on the outside of letter is a violation of the use or THREAT OF VIOLENCE or other criminal means to harm the physical person, reputation, or property of any person ; is an violation of the Fair Debt Collection Practice Act. Also according to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the XXXX  Data Breach.

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 2021-03-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am becoming more and more frustrated with your company. Upon finding these errors being reported on my credit report I have taken the necessary steps in order to inform you all of the errors. Nevertheless you all are not doing your part to resolve my issues. My family and I are becoming very impatient. My attorney told me to send this letter in order to alert you all of these errors before taking legal action. I am a person that goes to work everyday in order to make sure my family have equal opportunities just like everyone else. I am a consumer that refuses to be a victim of harassment or abuse. According to 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. Reporting false information on someone's credit report is detrimental to a consumer 's reputation. Sending letters an a attempt to collect debt from a consumer who debts do not belong to is also a form of harassment which is another violation of 15 USC 162d 1. ( 1 ) Constantly sending mail that has symbols of a debt collector on the outside of letter is a violation of the use or THREAT OF VIOLENCE or other criminal means to harm the physical person, reputation, or property of any person ; is an violation of the Fair Debt Collection Practice Act. Also according to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the Equifax Data Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: MO

Complaint narrative:
XXXX FOLLOWING CHARGES FILED AND TAKEN FROM MY ACCOUNT WITH CARDS I NEVER OWNED. XXXX AT XXXX XXXX, {$930.00} TAKEN FOR PURCHASE AT XXXX XXXX ON XX/XX/20 XXXX XXXX, {$200.00} PURCHASE AT XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/20, XXXX PURCHASE AT XXXX XXXX XXXX ON XX/XX/20 AT XXXX WITH NET SPEND CARD ENDING IN XXXX WHICH IVE NEVER OWNED. {$2100.00} PURCHASE AT XXXX XXXX ON XX/XX/20 AT XXXX WITH NETSPEND CARD ENDING IN XXXX, WHICH I HAVE NEVER OWNED. AND YET IT WAS ALL DEDUCTED FROM MY 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 2021-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2020, I mailed a letter requesting an investigation for inaccurate accounts listed on my credit report. It has been 4 months and I still haven't received any results of an investigation and these accounts are still showing 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 explanation
Consumer complaint received 2021-03-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have reached out to the credit bureaus of XXXX and XXXX for the account of the Kohls/ CapOne charge card that is listed under me. I have sent numerous validation letters to both credit bureaus and recently on XX/XX/2021. I've sent a letter to XXXX and XXXX about the account that they are penalizing me for hoping they would oblige and acknowledge the errors I sent to them that relate to their account. As of yesterday ( XX/XX/2021 ), I have heard from both credit bureaus XXXX and XXXX stating that the account is to be updated. XXXX received my letter of the account asking to be removed because of lack of information, errors, and missing information, a normal dispute takes up to 30 days for processing. Now XXXX did not process my dispute letter until XX/XX/2021, XXXX got back to me with that dispute letter with results on XX/XX/2021. That was not a proper investigation to me nor the protocol that is stated by law by the Fair credit billing act. The same information that was listed in the letters that had my concerns relating to that account, was not updated nor replace with information that is able to see or provide where the information was gotten from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21 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: TX

Complaint narrative:
Transunion fails to open up a dispute for fraudulent inquiries on my account. On XX/XX/21, I sent a certified letter stating that 4 credit inquiries were on my credit report that I did not authorize. I never received a letter within 30 days that it was removed. The tracking number is XXXX XXXX XXXX XXXX XXXX XXXX. Now, I want those removed IMMEDIATELY since you did not respond within 30 days. Now when I checked my credit report again, 10 additional fraudulent inquiries show up on my credit report. I want Transunion to open the dispute, show me verifiable proof that I authorized these inquiries OR remove these fraudulent inquiries from my account 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 2021-03-21 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: MS

Complaint narrative:
On XX/XX/2020, I mailed a letter requesting an investigation for inaccurate accounts listed on my credit report. It has been 4 months and I still haven't received any results of an investigation and these accounts are still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I recently received a letter from Mr. Cooper stating that " our records show that your hazard insurance expired '' and " we plan to buy insurance for your property ''. I had paid the insurance premium ( due XXXX XX/XX/2021 ) on XXXX XX/XX/2021 and the policy has been in force continuously with the same carrier ( XXXX XXXX XXXX ) since I bought the property 10 years ago. I have uploaded proof of payment for the insurance along with the declaration page. Mr Cooper recently took over the servicing of this loan from XXXX XXXX XXXX ( who are on the mortgage clause on the policy ) at about the same time that the policy renewed so I suspect this caused confusion at Mr Cooper. That does not give them the right the threaten me with forced placed insurance as I have done everything that I was supposed to. I attempted to upload the proof of payment and declaration page to www.mycoverageinfo.com/mrcooper multiple times as requested in their letter but the website issues an " unexpected error '' - see attached screenshot.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/2020, I mailed a letter requesting an investigation for inaccurate accounts listed on my credit report. It has been 4 months and I still haven't received any results of an investigation and these accounts are still showing 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 explanation
Consumer complaint received 2021-03-21 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: TX

Complaint narrative:
Equifax refuses to follow the law and investigate my disputes. They do not even respond within 30 days, they don't respond at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX and got a promotion letter from the Citibank on opening the account. 
On XX/XX/XXXX I visited the Citi branch XXXX XXXXXXXX XXXX XXXX, CA XXXX, presented the Offer and asked to open the account base on it and deposited the requested amount to get the bonus {$500.00}. 
The bonus was not paid on time listed in the promotion and I called the bank in XXXX. The banker told that bonus will be paid in XX/XX/XXXX, but no pay in XXXX again. Called to the Citi but still no bonus. 
Complaint via CFPB on XX/XX/XXXX. Citi miss-up with offer type, dates, amount in it first response but after a second complaint to the CFPB it paid the slice of the bonus listed in the it Offer and closed the case. 

In the letter from Citi in addition to the invalid date XX/XX/XXXX XXXX on the Offer they claimed that I accepted {$400.00} bonus instead or {$500.00}. This is not TRUE. Just read Citi response on the inquiry on XX/XX/XXXX from XX/XX/XXXX. There is that I not eligible for bonus 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 2021-03-21 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:
Recently, I filed for an Auto Loan and I came across discrepancies on my credit report and my credit score. According to the report, I have a total of 8 accounts on my credit file when I have a total of 6. Secondly, I have XXXX XXXX as a satisfied account for my credit and my balance is in good standings. Thirdly, XXXX XXXX should not have screened my credit multiple times when they initially had ran my information on file to share with there sister branches through XXXX. Furthermore, I contacted XXXX XXXX XXXX about my ambulance bill from XX/XX/2018. They have submitted a payment request last month on the XXXX of XXXX to my insurance and told me they will remove this off my credit once satisfied from pending claim. Lastly, my credit score shouldn't be so drastically different from all bureaus.

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 2021-03-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Coinbase, Inc.
State: NV

Complaint narrative:
I have attached plenty of images that prove who I am what I do and my soc sec number is XXXX Coinbase.com for a few years havent given me access to my funds. I understand it from their point of view, being a financial institution in our country, they need to understand not only my Nevada DL WHICH matches all the info on my acct, my bday address and name. I also contacted XXXX who I used back when to wire funds to coinbase when I did and have statements from XXXX for every month that I wired coinbase. I emailed support@coinbase.com a month ago then two weeks ago and Im being ignored. Can you do your jobs your only job. To protect a consumer.

Company response to consumer: Closed with explanation