vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-27 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: EQUIFAX, INC.
State: CT

Complaint narrative:
i filed ftc report for inquiries i did not consent, recognize, nor authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom it May Concern : I have been trying to get help from XXXX XXXX XXXX and all 3 of the Credit Reporting Agencies to assist with removing the 3 late payments that are being reported by XXXX XXXX XXXX. I have a document from XXXX  that states they will remove my late payments and treat them as current. This was part of the " Temporary Reduction In Payment '' ( TRIP ) Agreement. I was sure to make my payments per the agreement, and have been current since the date of the letter. Yet the creditor and the reporting agencies have not taken my complaint seriously. Please see my attached documentation. If you have any questions or concerns, please feel free to call or email me. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: IL

Complaint narrative:
In late XXXX I received an automated e-mail from Home Depot asking if I recently made a large purchase using my Home Depot credit card, I replied no and called the next day to say it was not me. They told me not to worry about those charges and sent me a new card which was also hacked, I received a statement for XXXX XXXX. Since none of these purchases was made by me I called their fraud department and explained the situation. Their response was that my drivers license was used when these purchases were made which is impossible since it never left my possession. They requested a copy of my License which I sent them. On XX/XX/XXXX I received a letter informing me that I was responsible for these charges. on XX/XX/XXXX I received a statement for over XXXX XXXX. I did not pay even the minimum because these charges are not my responsibility and now my credit is getting hurt for no payment including late fees. I have had zero luck trying to dispute this with Citibank ( they run Home Depots credit cards ).

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 2021-05-27 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: NV

Complaint narrative:
There are creditors listed on my credit report that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27 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: FL

Complaint narrative:
Submitted a complaint for a late payment showing on my credit union account ( XXXX - opened XX/XX/XXXX. Payment in question is XXXX, XXXX. Transunion said this information was verified accurate. They wont provide me method of verification, they claim thats not their responsibility, but according to FCRA section 611, they are supposed to send me that method within 15 days. Ive explained this to their special escalations department, and they claim to have no knowledge of this. I spoke with XXXX & a XXXX and they both claim thats not Transunions duty under the law. They are willing fully & negligently breaking the law & violating my rights as a consumer.

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 2021-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/21 an unauthorized withdrawal of {$620.00} was withdrawn at a B of A in XXXX, Georgia by someone who somehow received my bank card and pin number. 
On XX/XX/21 an unauthorized withdrawal of {$340.00} was withdrawn at a B of A in XXXX, Georgia by someone who somehow received my bank card and pin number. 
On XX/XX/21 an unauthorized purchase of {$390.00} was made at a XXXX in XXXX, Georgia by someone who somehow received my bank card and pin number

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-27 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:
Innacurate information on my credit profile resulting from identity theft : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

2. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

4. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

5. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

6. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

7. This a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy XXXX Please correct/update this inaccurate information on my credit report.

8. This a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy XXXX XXXX Please correct/update this inaccurate information on my credit report.

9. This a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and violation of FCRA 623 Please remove it from 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 2021-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.

Complaint narrative:
i save my cryptocurrency on blockchain wallet, i later detect about their interest account so i transfers XXXX ETH on XX/XX/XXXX to the interest account on blockchain and on XX/XX/XXXX i transfer XXXX XXXX to the interest account, on XX/XX/XXXX i was contacted by blockchain to provide my source of wealth and i provided all the documents they asked for and i didn't read from them again, i even sent emails to asked if everything is alright but i didn't get a reply, so on XX/XX/XXXX i already had XXXX ETH in my interest account and i have XXXX BTC in my interest account too so i decided to withdraw XXXX out of the ETH in my interest account to my private wallet and i got a confirmation email which said the XXXX ETH will be available in my private wallet by XXXX of XX/XX/XXXX and by XXXX of XXXX the ETH hasn't been in my private wallet account and i didn't read from them so i contacted their support and i was told my account was been review and they will get back to me soon, on XXXX XX/XX/XXXX i was contacted and i was told i had an unresolved issues with blockchain, according to blockchain the issues happened XX/XX/XXXX and i remember immediately is about the documents they asked me to provide and i explained i already provided this document so i was asked to resend the document which i did and they acknowledged receiving it and promise to get back to me soon and they haven't get back to me up till this moment, so on XXXX XX/XX/XXXX i decided to withdraw all my ETH and BTC from my private wallet account and i also got a confirmation that it will be there on XXXX XX/XX/XXXX, by this time am writing to you my blockchain wallet account is XXXX, i have talk to the support so many times and they keep telling me to be patience that my cryptocurrency are safe and i will soon receive it in my private wallet and i haven't receive it, please am tired of been patience and this is really affecting my health because i can't just lose all my fund. i feel blockchain is trying to scam me or they used my cryptocurrency as a loan and they are finding it hard to retrieve the loan so they are using delaying tactics. i find out a lot of people are having this problem but no one is ready to speak out, some said it took 3 to 4months before getting it back. i will appreciate if blockchain wallet is contacted and asks to make my cryptocurrency available as soon as possible. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK
State: CT

Complaint narrative:
A fraud charge in the amount of {$1200.00} to XXXX on XX/XX/XXXX was reported to Discover on or around XX/XX/XXXX, closed out shortly thereafter citing inconsistencies. As I explained to Discover rep ( s ), I did make a call prior asking about funds availability and advising a charge from XXXX might attempt for an amount in range of {$1300.00}, I was looking at a mini-bag at a boutique in XXXX XXXX, CA for my girlfriend, I decided not to purchase. The transaction in question came from a boutique in XXXX XXXX, CA, not XXXX XXXX, I explained to first rep in disputes XXXX does not offer refunds, only store credit, the XXXX rep I spoke with did not understand situation and I was unable to reach store manager at the time. The Discover rep referred to initial call I made asking about funds availability and charge from XXXX might attempt, did not understand matter. I made a second call, spoke with another Discover rep, whom referred back to conversation with first rep, did not understand charge is fraud and I did not provide card number to anyone at XXXX. Unable to file a claim with rep, I made a third call, explained and spoke with a XXXX whom opened a fraud claim, was explained I did not purchase anything at XXXX and did not provide my card number to anyone at the company. The fraud claim was closed out on Monday after, citing inconsistencies ... It appears they refer to first call made inquiring about funds availability and possible charge from XXXX, in case a fraud alert is raised. Please note, the prerecorded message when calling Discover states calls MAYBE monitored and recorded, not WILL BE monitored and recorded in which case my consent was not given to do so.. One of my attorneys listened to the message, agreed the language is not clear, Discover is not able to refer to such illegally recorded calls. Recently, I provided a tracking number received from XXXX for a package supposedly sent which was not received and has signature required on it, supposedly delivered on XX/XX/XXXX with no signature. I explained it appears someone intercepted package as most scammers like to do after making a fraud purchase, Discover reps did not seem to take this information into consideration.. I've contacted XXXX, filed a claim in an attempt to resolve fraud claim, however, it is not my responsibility to do so.. Discover should resolve such claims with merchants, not the customer. Further, they can not refer to illegally recorded calls without consent as basis for closing out claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I entered forbearance for three months-XXXX XXXX -- -- I was told by Shellpoint mortgage that I could put this at the end of my mortgage. I have been told to only talk with XXXX XXXX -- -- I call -her message says she will get back with me the next day -- -she never dose -- -her email undeliverable??? 
Three weeks of XXXX. 
I got someone yesterday he asked all kinds of personal questions but could not answer mine -- -- -What are my options? He kept saying state your forbearance is over and we can talk???? 

I pay these people a lot of money every year and when I have a situation its the finger -- -- -- when I call now I am in a loop. 

Why can't they just talk like human beings???? 

So I do believe the guy extented my forbearance -- -I asked for one month -- he gave me 3 -- -- -- wonder what they are up to -- -- -get me in a hole I can't get out and they steal my home. 

Why are companies or crooks allowed to exist like this-on line I see all kinds of complaints about this company -- -Shellpoint -- -- and I do believe owned by NewRez ??? -- -i did send NewRez a email on what is happening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: TD BANK US HOLDING COMPANY
State: MS

Complaint narrative:
My account with TD auto was charged off XX/XX/XXXX as well as the truck repoed. This whole charge off account and everything should have fallen off my report at 3 years ( XX/XX/XXXX ) per Mississippi laws for debt collection. TD auto is reporting a balance still today and the balance is increasing each month like interest. This company has the truck and sold the truck at auction for more than I owed and then sent me a letter saying I owed XXXX for it. I have spoke to representatives at the company and disputed with credit bureaus. This is inaccurate information and should have been taken off my credit long ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive disputed the two Bankruptcies with XXXX XXXX Equifax and XXXX  that doesnt belong to me. Yet they say its verified and to be mine, Ive spoke to the Bankruptcy court and they dont even give this type of information with credit bureaus so how is this being verified. Please remove these items they are immaculate and incorrect. I XXXX XXXX XXXX authorize the CFPB to act on my behalf! moving forward

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i was contacted with a bank of america number with a name of XXXX # XXXX he was in my account an said your under suspicion of activity if i was sending XXXX $ to a XXXX with a XXXX XXXX account i said no he then told me steps was needed to send the money back to my account. had me go to XXXX add my phone number and amount to my account i noticed it said XXXX an not my name using my same phone number, he then hung up an ive been trying to get my money back from the bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Initially made a late payment in XXXX due to moving homes and missing due date. For XXXX bill, I sent a check on XX/XX/XXXX to cover the bill for that month well in advance of due date. However, due to mail delays it was not received on time by Citi. I called Citi directly over the phone, after receiving notification and paid the Bill directly.

However, the check that I sent I was instructed by Citi and my own bank to put a stop payment and cancel the check which I subsequently did. However, on receipt of the check on XXXX Citi attempted to deposit the check but was likely rejected. I made multiple large purchases through XX/XX/XXXX and on XX/XX/XXXX when I attempted to pay for gas my card was declined. 

I called citi to remedy this and they notified me they had sent a letter cancelling our account. This letter has never been received and not sure how they could have sent this letter out notifying us while still allowing us to make purchases on the card.

Regardless, I accepted the closure of our card but we had almost XXXX XXXX+ left in earned cash back that I had not utilized. I called Citi directly, a manager agreed to send a check for this balance initially. A week to 10 days later I received notice that they are formally refusing to pay out my cash rewards balance or put it towards my final month balance.

This is unfair and dishonest behavior, I did everything to try to remedy the situations which were complicated by COVID-19 related mailing issues. My own bank informed this same issue was happening to many individuals mailing credit payments. 

I would like to formally file a complaint requesting remittance of my earned cash back credits. It is completely dishonest behavior by Citi to give me no option to use this before closing my account and it is malicious at best. 

Thank you for your time and assistance

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 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/2020 I tried to thaw my credit freeze at Equifax. I was unable to access my account online ; and was requested to call. I did so, and was unable to get access to my credit account. I was verbally told to mail or fax my request with proof of my identity. I mailed the information certified as requested. I did not nor have not received any response from Equifax. I am unable to access my credit report either online, by phone or in writing. I subsequently was unable to finance a new vehicle ; and had to purchase a brand that used the other credit agencies. My credit score is and has been over XXXX. 

I was able to thaw and refreeze my credit at XXXX XXXX and XXXX without any problem. 
Please require Equifax to allow access to my account ; and at least respond to my requests. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: WI

Complaint narrative:
I'm having problems with the bank which is holding checks, and other money that belong to me and they are not returning it to me either. They told me that the account was overdrawn and I dont believe what they say. I haven't done anything but make some deposits. They have been holding my money from me for about a month now. 
This is the 4th time, that the bank has held any checks along with other money that was in my account or in that bank telling me that the funds needed to be verified or that the issuer of the checks has to re-issue to me a new one because the check wouldn't clear in the bank. I dont believe that this is the problem. With this check problem, they are holding not just the funds of the deposits but the money that is already in my account. They are holding everything in my account now, and there is a negative sign on my balance and I can't spend any of my money. 
How long can they legally hold a check that was cashed waiting for it to be verified or cleared? Can they take the money in my account and hold it from me? If this legal or not? This is the 4th time that that have just wiped me out. It is not my fault that a issuer of a check issued me a bad check. If I thought it was a bad check, I wouldn't have tried to cash it. I'm not the one responsible for what the check issuers do or don't do. The bank is not to take this out on me and take everything I got angry at the checker issuers They are supposed to contact these people themselves to straighten out the matter and not me. I don't believe that just because the bank does not have a FDIC, that this is the reason for their behavior. The bank not having a FDIC is just a bank not having a FDIC it means nothing to my situation.

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 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Hi, it's impossible that an investigation was ever done on this account from XXXXXXXX XXXX  Credit card with a balance of {$380.00}. XXXX had deleted and permanently removed from their data, but however, XXXX and Transunion continue to ignore my request. 

Look closely at the attachments and you'll see that its impossible that this account could ever be verified under consumer laws. It's reporting 2 different dates under the Dates of last active ( TU : XX/XX/XXXX ; & XXXX : XX/XX/XXXX ) Inconsistent with payment status or payment history. Once account has been charged off and closed there shouldn't be any more payment history like XX/XX/XXXX or " CO status. Also it's reporting questionable and misleading dates of 1st delinquencies. The high balance on charge off on XXXX is reporting {$0.00}, whereas, Transunion is reporting {$2200.00}. I mean the list can keep going on and i'm surprised that it was flagged as verified. How is this possible? See the attachments and this is a violation of my consumer rights. delete now

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