vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I used my Coinbase XXXX card 2 times at a XXXX store for purchases. One debit on XX/XX/XXXX19th for {$24.00} and a second one on XX/XX/XXXX for {$70.00}. The debit transactions initially showed up as pending transactions for {$120.00} each and that amount was deducted from my account. This is normal for a few days to a week and then the actual charges will show up and adjust the amount deducted. After a month I complained to Coinbase because the charges were still showing up as {$120.00} each. Coinbase then changed the charges from " Pending '' to " Completed '' but still at the erroneous amounts. I have contacted them multiple times via phone and email to no resolution. Even asking to speak to a supervisor which they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had reached Equifax bureau, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I opened a checking account with Chase Bank in XX/XX/XXXX and had a monthly IRA distribution electronically deposited. Beginning in XX/XX/XXXX and yearly after that I had money electronically transferred to pay my and my wife 's long term care policy premiums. in XXXX my long term care insurance company by letter told me my bank account was blocked /frozen. The couldn't get the payment. I was never notified by XXXXhase that this action was taking place. Every month I received a statement from Chase with my Ira deposits listed and the balance in my account, indicating they knew my address. I called their customer service department to get information ; they directed me to my local bank. At the local bank they reinstated the account. They said the account was blocked because I had no personal dealings with them for 30 months ; although they received my IRA distributions and sent me a monthly statement. At the local branch I enquired about not being notified about this blockage. The representative tried to find out by telephone who was responsible for these notifications ; after about 15 minutes she said she couldn't find out who was responsible and I should be happy the account was unblocked. I think the banks should by law notify their clients about this process. I think this also occurred because I also used Chase to get foreign currency when I traveled. Because of Covid I haven't traveled for three years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: Rocket Mortgage, LLC
State: SD

Complaint narrative:
Rocket Mortgage has been reporting Fraudulent information to my credit report since XXXX without my written promission and without any communication or opt out ever sent to me. 

Fraud Alert. This account does not belong to you.

No written permission has been giving by the consumer to any debt collector or credit reporting agency or any person or any company to report anything on a credit report using me private information. 15 USC 1681 a,2, 15 USC 1681 a, 4, 15 USC 6802 No opt out letter or written communication has ever been received by the consumer from any consumer reporting agency or any debt collector who has placed fraudulent information on my consumer credit report.

Provide me with a certified copy of the investigative consumer report with full disclosure that has been completed to validate and verify the information that has been reported.

Provide me with certified copy of the written permission that you have from me to report anything.

Provide me with all of the written communication with me with my opportunity to opt out.

Provide me with the bona fide evidence that i am all four of the entities on the report. 
Provide me with bona fide evidence that you have abided by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I disputed the incorrect information on my report twice with no one reaching out to correct information and no updated information on my report for many years. The disputes are disregarded/closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: SYNCHRONY FINANCIAL
State: SD

Complaint narrative:
between XX/XX/2018 and today synchrony bank has reported fraudulent information without my permission on my credit report with no communication and opt out ever sent to me. 

Fraud Alert. This account does not belong to you. 
No written permission has been giving by the consumer to any debt collector or credit reporting agency or any person or any company to report anything on a credit report using me private information. 15 USC 1681 a,2, 15 USC 1681 a, 4, 15 USC 6802 No opt out letter or written communication has ever been received by the consumer from any consumer reporting agency or any debt collector who has placed fraudulent information on my consumer credit report. 
Provide me with a certified copy of the investigative consumer report with full disclosure that has been completed to validate and verify the information that has been reported.

Provide me with certified copy of the written permission that you have from me to report anything.

Provide me with all of the written communication with me with my opportunity to opt out.

Provide me with the bona fide evidence that i am all four of the entities on the report. 
Provide me with bona fide evidence that you have abided by the law.

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 2023-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
i disputed a {$500.00} charge and they claimed it wasnt paid

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 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX, GA XXXX and the other address that should be removed is XXXX XXXX XXXX XXXX XXXX, GA XXXX. 
I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-04-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a savings account at the Bank of America at XXXX XXXX XXXX XXXX, XXXX, CA XXXX with the Banking Representative XXXX XXXX in late XXXX. 

Thereafter, I opened up Trust Accounts with POD 's for my children at the Bank of America XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

On XX/XX/XXXX my savings account had {$94000.00} in it. Shortly after all my money was gone. When I inquired about the whereabouts of my money in person, the banking reps told me to speak with the Bank Manager. The Bank Manager advise me to call the XXXX number. They gave me the run around. 

I paid {$400.00} to order bank records. They sent me the wrong bank records. 

I contacted FDIC they advise me to contact The Office of Comptroller of the Currency and the Consumer Financial Protection Bureau regarding my missing 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 2023-04-06 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: TX

Complaint narrative:
see attached I have been contacting these companies since XXXX of 2022, notifying them I am a victim of identity theft. I have sent proof of identity along with an identity theft affidavit yet these fraudulent accounts remain on my credit.

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 2023-04-06 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: SD

Complaint narrative:
between XX/XX/2018 and today XXXX XXXX has reported fraudulent information without my permission on my credit report with no communication and opt out ever sent to me. 

Fraud Alert. This account does not belong to you. 
No written permission has been giving by the consumer to any debt collector or credit reporting agency or any person or any company to report anything on a credit report using me private information. 15 USC 1681 a,2, 15 USC 1681 a, 4, 15 USC 6802 No opt out letter or written communication has ever been received by the consumer from any consumer reporting agency or any debt collector who has placed fraudulent information on my consumer credit report. 
Provide me with a certified copy of the investigative consumer report with full disclosure that has been completed to validate and verify the information that has been reported.

Provide me with certified copy of the written permission that you have from me to report anything.

Provide me with all of the written communication with me with my opportunity to opt out.

Provide me with the bona fide evidence that i am all four of the entities on the report. 
Provide me with bona fide evidence that you have abided by the law.

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 2023-04-06 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: SD

Complaint narrative:
between XX/XX/2018 and today XXXX XXXX has reported fraudulent information without my permission on my credit report with no communication and opt out ever sent to me. 

Fraud Alert. This account does not belong to you. 
No written permission has been giving by the consumer to any debt collector or credit reporting agency or any person or any company to report anything on a credit report using me private information. 15 USC 1681 a,2, 15 USC 1681 a, 4, 15 USC 6802 No opt out letter or written communication has ever been received by the consumer from any consumer reporting agency or any debt collector who has placed fraudulent information on my consumer credit report. 
Provide me with a certified copy of the investigative consumer report with full disclosure that has been completed to validate and verify the information that has been reported.

Provide me with certified copy of the written permission that you have from me to report anything.

Provide me with all of the written communication with me with my opportunity to opt out. 
Provide me with the bona fide evidence that i am all four of the entities on the report. 
Provide me with bona fide evidence that you have abided by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: SD

Complaint narrative:
between XX/XX/2018 and today XXXX XXXX has reported fraudulent information without my permission on my credit report with no communication and opt out ever sent to me. 

Fraud Alert. This account does not belong to you. 
No written permission has been giving by the consumer to any debt collector or credit reporting agency or any person or any company to report anything on a credit report using me private information. 15 USC 1681 a,2, 15 USC 1681 a, 4, 15 USC 6802 No opt out letter or written communication has ever been received by the consumer from any consumer reporting agency or any debt collector who has placed fraudulent information on my consumer credit report. 
Provide me with a certified copy of the investigative consumer report with full disclosure that has been completed to validate and verify the information that has been reported.

Provide me with certified copy of the written permission that you have from me to report anything.

Provide me with all of the written communication with me with my opportunity to opt out.

Provide me with the bona fide evidence that i am all four of the entities on the report. 
Provide me with bona fide evidence that you have abided by the law.

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 2023-04-06 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: First Consumers Financial LLC
State: LA

Complaint narrative:
In accordance with the fair credit reporting act First Consumers Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: FL

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Oklahoma XXXX Credit Fresh Acct # XXXX Phone # XXXX I started a loan with this company in XXXX XXXX XXXX  When I made my first payment I noticed my {$5000.00} loan went up to {$5500.00}. I made an {$550.00} payment and they added on {$500.00} to my balance. I called and they promised Me that the balance would go down after making more payments. They said that they were charging me a billing cycle charge each payment. These biling cycle charged are 98 % of any payments I have made so after several attempts for them to stop these shady practices I'm on my 10th month of making payments on a {$5000.00} loan and my balance is {$5100.00}. I have made {$5200.00} worth of payments to this company and still owe more then what I borrowed. This is the worst predatory lending I have ever seen. I am a XXXX veteran on social security and I can't keep giving this company free money after I have already paid them more then what I borrowed. These fees, and charges were hidden. Please help me stop them from taking advantage of me and any other people. 

XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm trying to apply for medical emergency loan for a close family member from my credit union however when they try to pull my Equifax report they are getting that there is a freeze on my report. However I've called Equifax numerous times and was told each time there is no freeze or extended fraud alert. I was even told by Equifax to fax a copy of my driver 's license and social security card to resolve the issue. This has been going on for approximately a month and I keep getting the run around. This is what is reporting on my Equifax Report : Review this summary for a quick view of key information contained in your Equifax Credit Report. 
Report Date XXXX XXXXXXXX XXXX Credit File Status : Fraud Victim ( associated with trade ) File Blocked For Promotional Purposes. 
No one at Equifax can give me an explanation of what this means. The representative at my credit union is stating that on her end is showing as a block/credit freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
Chime/ XXXX has temporarily closed my account due to verification. I sent all necessary documents they wanted and I keep getting the same email and I tried calling get nowhere. They tell me they will escalate to support team but they send me same email over and over requesting documents that I sent so many times that the link to send more tells me Im maxed out to send more documents. I need help with this bank because my Social Security gets deposited here. Please help me resolve this. I appreciate it. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American express has not produced any supporting transcript of where I confirmed a consent of hard credit check. 

During the call I clearly mentioned with the agent that no credit check should happen and I was told in the call of XXXX XXXX that no credit check will happen but the agent accidently took a wrong application and did a credit check. I subsequently followed up with another agent on XXXX XXXX to ensure that the hard inquiry be removed and AMEX agent stated on record that it will be removed. 

It is submitted that the Agent who said that hard inquiry will be removed was AMEX employee and had authority to communicate that decision and subsequently that decision was not followed. 

Thirdly XXXX  laws allow me to record call if I have consent of XXXX party and I am party to my own call and have consented to record my call. 

Yesterday I was on call with Amex and told them that I was recording the call because they are recording the call at AMEX, AMEX stated that I can not record the call. I told them that texas laws allow me to record the call with my consent. I told AMEX rep that they need to stop recording and I will also stop recording but AMEX rep said that they can't stop recording but I am the one who have to stop recording. 

I strongly oppose these tactics of AMEX to be a bully and not allow equal means for both parties to record and not stop recording at their end when customers ask them to stop recording. 

This requires review by regulators and probably requires judicial review as consumer has no way to prove what was communicated if AMEX doesn't want to fix their own mischeif.

Company response to consumer: Closed with explanation