vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-14 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Amex reference number : XXXX and XXXX. 

Card were lost and made by unauthorized people. The representative kept saying I gave the account number to someone else when I didnt. She blamed on my parents for using the card but there were miscommunications. My parents did not use my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
This is a continuing problem that I complained about XXXX XXXX. It started when Barclays double debited my checking account for my XXXX payment. I authorized XXXX {$4700.00} debit ; Barclays made XXXX. 

The next day, my card was rejected in NY XXXX and XXXX, XXXX. I called Barclays and they denied rejecting the card. They also suggested that it was a travel problem. I go to XXXX at least six times a year and sometimes make large purchases there, and Barclays knows that. Purchases in XXXX dont trigger a fraud inquiry. 

For several days I could use my card. Then, on XX/XX/XXXX it was rejected in XXXX, NY and for an online purchase. When I contacted Barclays, they said it was because I had not made my XXXX payment. Please recall that I made it twice - once was authorized, once not. XXXX, my checking account bank, had stoppec the second payment because Barclays XXXX had left my bank account overdrawn and when I called Barclays on XX/XX/XXXX, they could not tell me when the problem would be fixed. 

Barclays never notified me that they reversed the charge and that XXXX had stopped the other charge. I immediately made the payment AGAIN, which Barclays acknowledged. Yet they still will not let me use my card.

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 2022-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: NC

Complaint narrative:
I have been a customer with Binance U.SXXXX since early XXXX. On XXXX XXXX, I was locked out of my Binance U.SXXXX account. Binance U.S. has no telephone contact information, so I filed a " ticket '' by email. I have about {$52000.00} in this account in U.S. dollars. I can't tell you the exact amount because I am locked out of my account. Today is XX/XX/XXXX, and there has been no response. I do not find being locked out with no access to customer service acceptable when I am a customer and they are refusing me access to my own money. I can not withdraw it, nor can I invest it. My funds are just stuck in limbo. I also can not view my account activity to do my taxes! 

I have not engaged in any suspicious activity so there is no reason for them to have flagged my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
This was a cryptocurrency transaction. Coinbase has a major security breach that caused the loss of {$5300.00}. On XX/XX/22 I was trying to move some XXXX  cryptocurrency from my Coinbase XXXX to my Coinbase account ( with an eye towards cashing out ). I sent a {$25.00} test transaction to confirm that the XXXX was moving correctly from my Coinbase XXXX to my Coinbase account. That transaction was successful. Then I received a message INSIDE THE COINBASE WALLET APP asking me if i wanted to send additional funds to the same address that I had just sent funds. I clicked on the message thinking that this was simply Coinbase XXXX app providing a convenient method to repeat a transaction. Big Mistake. That message RECEIVED BY ME INSIDE THE COINBASE WALLET APP was either sent by a hacker who breached Coinbase security or a Coinbase employee trying to steal my money. So the {$5300.00} of XXXX cryptocurrency was stolen by someone who hacked the app from the inside. 

Not only did the hacker know that I had just sent a {$25.00} test transaction, but also knew that the COINBASE WALLET APP had basically no security. And infiltrated the app to commit this fraud. I contacted COINBASE 's customer service line within 10 minutes ( after I realized that there was a big problem ). So they knew almost immediately that there was a breach in their system. I have corresponded with their support team numerous times. Frankly, I am pretty sure that none of the customer service people even fully read the complaint. I have simply received legalist responses that never addressed the crux of the problem -- THAT COINBASE HAS A MAJOR SECURITY BREACH. I can forward the correspondence if you need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My leased car was involved in a total loss accident. My automobile insurance advised me to longer make payments on the car and that they would submit a total loss action with Ally financial and that would be done in a timely matter. I stopped making payments and also received a misleading letter from Ally Financial dated XX/XX/22 where at the bottom of the letter states, " Due to the total loss claim, your account is placed in special handling. If you receive billing statements by mail or electronically, then they will be suspended temporarily. '' I understood this sentence as my payments would be suspended. I therefore, did not make a payment and Ally reported the late payment to all 4 credit bureaus. I called Ally on XX/XX/22 and explained the above and disputed the negative credit entry. On XX/XX/22 I received a letter from Ally with the decision that they would not delete the late payment off the 4 credit agencies. Before this, I had a high score of over XXXX points and now my score dropped about XXXX points. The negative entry is affecting my future purchase of a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On XX/XX/XXXX I purchased a visa gift card for {$500.00}. In XXXX of XXXX I tried to activate my card to use it to find that someone else had falsely registered it and used {$490.00} of the fund. I called and spoke to VISA who informed me to send in all documentation they required and a copy of the card which I did on XX/XX/XXXX, but had to refax over 3 times for them to " receive it ''. On XX/XX/XXXX I was mailed a letter that they investigated the claim dispute and I was entitled to a new card replacement with {$490.00} on it. To date ( XX/XX/XXXX ) I have yet to received a replacement card. I have called over a dozen times to be told that there is an error in processing and to call back in another 3-5 days. Each time I am given the run around, or told that I could not speak to a supervisor, and placed on hold for over 30+ minutes, or simply hung up on. This is a lot of money to me and my family and it has been nearly a year since I bought the gift card, 10 months since I started the dispute, and 8 months since I received a letter from them that stated they owed me {$490.00} and would be sending me a new card. I am very frustrated, my patience has run out, and I am tired of the run around. I need some help to be able to have this in time for XXXX this year. I have all documentation, thank 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 monetary relief
Consumer complaint received 2022-10-14 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: CA

Complaint narrative:
I submitted documents to show a 90 day late on an account that was closed for multiple years. The information on the account was incorrect. 
I submitted certified letters requesting transactional information regarding the sale of the vehicle by the creditor

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 2022-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2022 I attempted to request a larger spending limit with JP Morgan Chase. Spoke with a representative and provided required information. I was then told I would not be award a spending increase at this time and that a letter would be sent to my home within 10 days regarding my credit inquiry. I waited 30+ days for my reasoning for credit denial for a larger spending limit and have yet to receive it. 

XXXX and XXXX reports were pulled and my credit score dropped XXXX points on XX/XX/2022 ( According to Chase XXXX XXXX ). On XX/XX/2022 my credit score jumped XXXX points according to Chase 's XXXX XXXX XXXX with a XXXX Score of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: PA

Complaint narrative:
Unauthorized Inquiries appearing 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 2022-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings
State: LA

Complaint narrative:
I was contacted by IQ Data International on XX/XX/XXXX. The first person that I spoke to was XXXX XXXX. She was using aggressive language, yelling, and using talking tactics that appeared they are my only hope and they will take action against me, for a bill that is not mine. I asked to speak to someone higher and she connected me with XXXX. XXXX was kind and I asked him for the mailing address for the company which he gave me ( XXXX XXXX XXXX XXXX XXXX, Washington. XXXX ) I told him that I was going to submit a letter requesting information. I did so on XX/XX/XXXX. In the letter, I requested that the company provide me information on themselves, a copy of an agreement between them and me, and additional information on this supposed bill that they claim I owe. I also requested that they stop attempts to reach me by phone and that I only want to be contacted by mail. I have not received a response from that letter but I did receive my certified letter stating that they accepted and received it on XX/XX/2022 at XXXX am. Since then I have been contacted by XXXX XXXX where I have told her that this is in dispute and that I want to be contacted by mail and not phone. After that call, I was contacted again on XX/XX/2022 at XXXX XXXX XXXX from the number XXXX and again by the same number on XX/XX/2022 at XXXX XXXX XXXX. They are in violation by ignoring my certified letter and contacting me by phone. They need to stop. The debt that they claim I owe is not valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14 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: PA

Complaint narrative:
XXXX XXXX XXXX IS REPORTING ADVERSE INFORMATION ABOUT ME TO CONSUMER REPORTING AGENCIES. I DID NOT GIVE WRITTEN CONSENT TO FURNISH PRIVATE INFORMATION ABOUT ME TO ANYONE. AFTER VIEWING MY CONSUMER REPORTS, I NOTICED INCONSISTENCIES IN THE INFORMATION BEING REPORTED FROM CONSUMER REPORTING AGENCIES BY XXXX XXXX XXXX XXXX ALONG WITH THAT INFORMATION BEING ADVERSE TO ME. I DEMAND THAT XXXX XXXX XXXX DELETE THE ACCOUNT IMMEDIATELY. ATTACHED WITH THIS COMPLAINT IS MY COMPLAINT LETTER, PROPER IDENTIFICATION, AND SCREENSHOTS OF THE ALLEGED ACCOUNT FROM CONSUMER REPORTING AGENCIES SHOWING THE INCONSISTENCIES OF THE REPORTED INFOROMATION. XXXX XXXXXXXX XXXX  HAS DISHONORED THE UNITED STATES CODE AS WELL AS MY RIGHTS TO PRIVACY AND KILLED MY CONFIDENCE IN THE BANKING SYSTEM. I DEMAND A RESPONSE WITHIN 10 DAYS FROM THE RECEIPT OF THIS COMPLAINT. HAVE A NICE DAY!

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 2022-10-14 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: PA

Complaint narrative:
XXXX XXXX XXXX IS REPORTING ADVERSE INFORMATION ABOUT ME TO CONSUMER REPORTING AGENCIES. I DID NOT GIVE WRITTEN CONSENT TO FURNISH PRIVATE INFORMATION ABOUT ME TO ANYONE. AFTER VIEWING MY CONSUMER REPORTS, I NOTICED INCONSISTENCIES IN THE INFORMATION BEING REPORTED FROM CONSUMER REPORTING AGENCIES BY XXXX XXXX XXXX XXXX ALONG WITH THAT INFORMATION BEING ADVERSE TO ME. I DEMAND THAT XXXX XXXX XXXX  DELETE THE ACCOUNT IMMEDIATELY. ATTACHED WITH THIS COMPLAINT IS MY COMPLAINT LETTER, PROPER IDENTIFICATION, AND SCREENSHOTS OF THE ALLEGED ACCOUNT FROM CONSUMER REPORTING AGENCIES SHOWING THE INCONSISTENCIES OF THE REPORTED INFOROMATIONXXXX XXXX XXXX XXXX HAS DISHONORED THE UNITED STATES CODE AS WELL AS MY RIGHTS TO PRIVACY AND KILLED MY CONFIDENCE IN THE BANKING SYSTEM. I DEMAND A RESPONSE WITHIN 10 DAYS FROM THE RECEIPT OF THIS COMPLAINT. HAVE A NICE DAY!

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 2022-10-14 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: WI

Complaint narrative:
I mailed off my challenge letters to validate debt owed and was not notified of incorrect information on my report. 

I mailed off on XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: WI

Complaint narrative:
I mailed off my challenge letters to validate debt owed and was not notified of incorrect information on my report. 

I mailed off on XX/XX/2022

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 2022-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I filed XXXX XXXX on XX/XX/2022, and PennyMac Mortgage reported that I am in the arrears on my mortgage. I am not and was never in the arrears. I reported this issue already and am submitting more documentation that was received from PennyMac 's lawyers. 

Also, I confirmed via telephone today with PennyMac 's customer service representative that my account is current with no arrears due. Therefore, PennyMac is attempting to collect money in arrears from me that is not legally owed. 

Also, PennyMac is refusing to correct the XXXX XXXX XXXX removing the incorrect arrears. I owe no arrears to PennyMac.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury. defamation of character. can't aet approved for my mortaage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my family as well

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 2022-10-14 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: MI

Complaint narrative:
I want to report Identity Theft that has been going on for years without my knowledge. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I have never opened up or authorized. I did lose my wallet back in XXXX. I had my drivers license along with my social security card in my wallet. Someone has been using my identity without me knowing. I never opened an account with the follow companies ; 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} Ive sent in disputes for these items before. Ive went to XXXX XXXX XXXX XXXX XXXX XXXX to get police reports made of the theft, previous sent in CFPB claims, and Ive also filed FTC reports as well which are both attached below. These last accounts have yet to come off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Consumers Financial protection Bureau Date : XX/XX/2022 Re : Wrong Address in my credit Report After I contact experian credit report regarding a fraud address in my credit report They suggested to contact Cunsumer Financial protection bureau to file a fraud address report in my credit records. 
The fraud address in credit report : XXXX XXXX XXXX XXXX XXXX, NC 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 2022-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
Coinbase, Coinbase XXXX. Known as, crypto brokerage I felt that the Coinbase did not have a policy protecting the consumer assets. As a victim, I strongly believe the consumer report can intervene in this case on my behalf. 

The incident happened on the XXXX of XX/XX/2022 around XXXX XXXX time. Within " XXXX minutes '' after the hacked transaction, I called the Coinbase to report the issued in hope the company would help stopping the transaction. As of today, I have not seen the responsible action taken regarding unauthorized fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am trying to finance a vehicle and there is a social security number being reported with my information. I do not have a social security only have a ITIN

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 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Citi Bank account was closed on XX/XX/22. 
It is XX/XX/22 and I still have not received a check with my closing balance. I am told by Citi Bank that they have to decide whether or not they are going to send two of my payroll check amounts deposited shortly before the account was closed, back to my employer or include it with my closing balance. 

I have a family that is desperately in need of these funds that are mine. Its not right to put my families well being in jeopardy and hold onto to funds that are rightfully mine for this long. 

Send the funds back to my employer if thats the issue. I can get them to issue me new ones. But, just make a decision. It has been a month and half now and I have called twice a week since XX/XX/XXXX and get nowhere. I am told I should get notice in 48 hours every time. 

Please help! 

Thank 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 monetary relief