vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Blockchain.com, Inc.

Complaint narrative:
I'm afraid this is the 2nd time in 1 week this happens with BlockChain.

I had crypto in 2 accounts. Both in " reward '' wallets ( meaning : a wallet where you let the platform use your crypto ( which turned out to be a huge mistake from my end ) and in turn get some interest.

As I wanted to move from BlockChain to XXXX, the 1st step is move the crypto from those " Reward '' accounts back to ( non-custodial ) normal private accounts.

BlockChain is trying to prevent my leaving by keeping MY crypto HOSTAGE : for over a week now, they refused to migrate my crypto back from my reward wallet to my private wallet. We're taking over XXXX $ here so that is a large sum. The reason being obvious to me- either they have not enough fractional reserve or they are making up all kinds of excuses not do to so immediately to make some extra buck quickly. 
So I got questions like " where have you been the last 3 months '' - none of which is their business. I have no less than 3 security measures installed ( password, XXXX and face recognition ) so they have also no reason for insisting on such privacy breaching inquiries. 
They are excuses- and my insisting to finally give MY crypto back has lead to nothing but refusal from their end. 
I consider that theft. And demand compensation for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: Conn's, Inc.
State: TX

Complaint narrative:
FRCA Violation personal loans CONN APPLIANCES INC FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
To whom this may Concern : I am writing this today to file a formal complaint against this company LVNV Funding INC and XXXX XXXX XXXX. This company has been sending information all over the country about a debt it has purchased that was the result of Id Theft that i was a victim of when i lived at a previous address. My ex boyfriend XXXX XXXX opened account 's in my name because i was suffering from health issues at the time and he was my primary care giver. He was even found guilty for Extortion because he was trying to defraud a man he was involved with of money because he gave the man XXXX. 

This company has hired another company to harrass me and threatened to sue me in court because i owe this bill and they know i owe the bill and that i was gon na pay. I called XXXX XXXX and told them about they sent information to my mothers house that lives like almost a hour away and she opened the letter and feared for my life because of the threats. This has been very devastating to my XXXX and my well being being accused of a crime and i didnt commit one. 

They are using third parties in the state of Mississippi to threaten me and send letters to different address that belong to my family members. This is breaking the law. The name of the company is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX this company threaten me and actually prosecuted me and i wasn't in court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I applied for a personal loan with this company on XX/XX/XXXX, and was offered a 30-40 % interest loan for {$2500.00}. After agreeing and signing the contract, I was advised that I needed to verify my income through my bank. Netcredit said I would receive the funds in my account as soon as I completed the final bank verification. I attempted to do so on their site, but the process would not complete after two tries. Then it said I was locked out until the next day. I called and spoke to a representative who said that she would let the approval department know and they would contact me within a day or two at most. No one contacted me, and the following day, the entire site was " down for maintenance '' during business hours. I called and again a representative said not to worry, but she was unable to directly communicate with the approvals department and that they would contact me by email. I did receive an email directing me to the very same bank verification page, and it continued to hang up without completing the " last step '' before my loan was funded. 
I called and persisted in demanding a clear explanation of how to either immediately verify my banking info another way, or cancel the loan request. I stayed on the phone with the rep until I received an email reflecting my request to cancel the loan. I believe that had I not taken that step and insisted on canceling the loan, they would have drawn it out to the point where I would have had no option to cancel. The three reps I spoke to were all very vague about what was happening and why I could not get their verification process to work or be connected to someone in the department that handles the verification. I consider myself fortunate if I averted a loan with netcredit. Now I have a credit inquiry on my report for no good reason, and I hope that this company does not negatively impact me in any other way now that they have access to much of my personal information. 
Their website still indicates that I have an approved loan waiting on that verification page.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been a good samaritan in reporting XXXX to the CFPB three times so far ( numbers XXXX, XXXX, and XXXX ). The most recent one was deemed a duplicate, though that was far from the caseevery complaint had a new batch of red flags, as does this one you're about to read ( so please do not label this one as a duplicateit 's not ). 

My main bank XXXX XXXX ran an investigation and concluded that XXXX 's activity was illegitimate, subsequently issuing a stop payment from XXXX on XX/XX/2022 revoking authorization for recurring withdrawal ( see page XXXX of attached PDF ). 

XXXX still managed to take {$970.00} out of my bank account on XX/XX/2022 ( see page XXXX ). The only explanation for this is that XXXX must have hacked into my XXXX XXXX account in order to override the stop payment. If they've successfully hacked my account, this induces the fear that they may withdraw all of the money from said checking account, causing me to go broke. The company must be stopped and the people responsible for this need to be identified and arrested. 

XXXX XXXX 's investigation department deemed that this {$970.00} was not authorized ( see page XXXX ). They did their part and reversed the {$970.00}, also notifying that they will make efforts to insure the rigidity of the stop payment. 

I tried logging into my XXXX account to check on information, only to receive the message " Your account information is not available online. Please contact Customer Service at the phone number provided on the back of your card or statement. '' ( See page XXXX. ) It's not surprising that they don't want me to be able to access data that could incriminate them. Such as the instance addressed in complaint # XXXX where XXXX said in writing that they cancelled Card Security on XX/XX/2022 then charged Card Security nonetheless on XX/XX/2022 ( fortunately this instance I still have documentation saved ). 

One last red flag : After XXXX 's invalid charges caused my credit score to drop, XXXX and TransUnion have both deleted those charges and brought the score back up. ( XXXX is currently in the process of looking over the information, and is destined to do the same upon reviewing the facts. ) XXXX XXXX, XXXX, TransUnion, and the countless negative reviews on numerous websites ( links given in complaint # XXXX ) are all in the wrong and XXXX is in the right? Extraordinarily unlikely. This demands thorough investigation and action.

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 2022-04-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been a good samaritan in reporting XXXX to the CFPB three times so far ( numbers XXXX, XXXX, and XXXX ). The most recent one was deemed a duplicate, though that was far from the caseevery complaint had a new batch of red flags, as does this one you're about to read ( so please do not label this one as a duplicateit 's not ). 

My main bank XXXX XXXX ran an investigation and concluded that XXXX 's activity was illegitimate, subsequently issuing a stop payment from XXXX on XX/XX/2022 revoking authorization for recurring withdrawal ( see page XXXX of attached PDF ). 

XXXX still managed to take {$970.00} out of my bank account on XX/XX/2022 ( see page XXXX ). The only explanation for this is that XXXX must have hacked into my XXXX XXXX account in order to override the stop payment. If they've successfully hacked my account, this induces the fear that they may withdraw all of the money from said checking account, causing me to go broke. The company must be stopped and the people responsible for this need to be identified and arrested. 

XXXX XXXX 's investigation department deemed that this {$970.00} was not authorized ( see page XXXX ). They did their part and reversed the {$970.00}, also notifying that they will make efforts to insure the rigidity of the stop payment. 

I tried logging into my XXXX account to check on information, only to receive the message " Your account information is not available online. Please contact Customer Service at the phone number provided on the back of your card or statement. '' ( See page XXXX. ) It's not surprising that they don't want me to be able to access data that could incriminate them. Such as the instance addressed in complaint # XXXX where XXXX said in writing that they cancelled Card Security on XX/XX/2022 then charged Card Security nonetheless on XX/XX/2022 ( fortunately this instance I still have documentation saved ). 

One last red flag : After XXXX 's invalid charges caused my credit score to drop, Equifax and XXXX have both deleted those charges and brought the score back up. ( XXXX is currently in the process of looking over the information, and is destined to do the same upon reviewing the facts. ) XXXX XXXX, Equifax, XXXX, and the countless negative reviews on numerous websites ( links given in complaint # XXXX ) are all in the wrong and XXXX is in the right? Extraordinarily unlikely. This demands thorough investigation and action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: NY

Complaint narrative:
I have been a good samaritan in reporting XXXX to the CFPB three times so far ( numbers XXXX, XXXX, and XXXX ). The most recent one was deemed a duplicate, though that was far from the caseevery complaint had a new batch of red flags, as does this one you're about to read ( so please do not label this one as a duplicateit 's not ). 

My main bank XXXX XXXX ran an investigation and concluded that XXXX 's activity was illegitimate, subsequently issuing a stop payment from XXXX on XX/XX/2022 revoking authorization for recurring withdrawal ( see page XXXX of attached PDF ). 

XXXX still managed to take {$970.00} out of my bank account on XX/XX/2022 ( see page XXXX ). The only explanation for this is that XXXX must have hacked into my XXXX XXXX account in order to override the stop payment. If they've successfully hacked my account, this induces the fear that they may withdraw all of the money from said checking account, causing me to go broke. The company must be stopped and the people responsible for this need to be identified and arrested. 

XXXX XXXX 's investigation department deemed that this {$970.00} was not authorized ( see page XXXX ). They did their part and reversed the {$970.00}, also notifying that they will make efforts to insure the rigidity of the stop payment. 

I tried logging into my XXXX account to check on information, only to receive the message " Your account information is not available online. Please contact Customer Service at the phone number provided on the back of your card or statement. '' ( See page XXXX. ) It's not surprising that they don't want me to be able to access data that could incriminate them. Such as the instance addressed in complaint # XXXX where XXXX said in writing that they cancelled Card Security on XX/XX/2022 then charged Card Security nonetheless on XX/XX/2022 ( fortunately this instance I still have documentation saved ). 

One last red flag : After XXXX 's invalid charges caused my credit score to drop, XXXX and XXXX have both deleted those charges and brought the score back up. ( Experian is currently in the process of looking over the information, and is destined to do the same upon reviewing the facts. ) XXXX XXXX, XXXX, XXXX, and the countless negative reviews on numerous websites ( links given in complaint # XXXX ) are all in the wrong and XXXX is in the right? Extraordinarily unlikely. This demands thorough investigation and action.

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 2022-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: CA

Complaint narrative:
Last year I received a call from a debt collection company. I was told I had outstanding debt with XXXX XXXX XXXX for a product called XXXX a product I never purchased. I asked the person that contacted what was the name and address on the bill they were calling about. I was told the bill was to XXXX XXXX at an address in XXXX, XXXX I told the agent I dont, and have never rented or owned an apartment or home in XXXX XXXX I live in XXXX The collection agency had the wrong XXXX XXXX. 

I was then told by the person on the phone that the collection agency would contact XXXX XXXX XXXX to investigate the situation. 

After receiving no followup from the debt collector, I contacted them to get a status on collection issue and was told it was resolved and no further action was required on my part. 

Since XX/XX/2021 I have received a negative delinquency mark on my credit report. This delinquency information, for a debt that is and never was mine, continues to be reported on a monthly basis by : Credit Systems Intl. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX Will you please help to get Credit Systems Intl. to stop providing false information to the Credit Agencies as what they are doing is negatively affecting my credit score, which has always been excellent. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: ProCollect, Inc.
State: TX

Complaint narrative:
FRCA Violation auto loans late payments XXXX XXXX  FRCA Violation student loans U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX FRCA Violation personal loan late payments XXXX XXXX XXXX XXXX FRCA XXXX XXXX XXXX XXXX XXXX PROCOLLECT , INC FRCA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX 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 2022-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MA

Complaint narrative:
On XX/XX/XXXX, around XXXX XXXX  an unauthorized transaction of {$1300.00} was transferred from my savings to checking. then a transfer of {$410.00} was transferred from my checking to credit account along with the {$1300.00}. at XXXX XXXX a total of {$1700.00} was withdrawn from my account without my consent or knowledge. A couple of weeks before my bank posted on XXXX that if someone comments under the post using the provided hashtag, they will be entered in a raffle to win money. On XX/XX/XXXX, I received a direct message from an account that I thought was chime bank ( but ended up to be a replica and scam ). I clocked on the link that was provided through a tab and it brought me to a page that looks exactly like the the Chime bank log in. I entered in the requested information believing that I was logging into my Chime account. It asked me for my email, password and last four digits of my social. Later that day, someone went into my account and withdrew the money. I called my bank instantly as soon as I got the notification that they did. I called them on XX/XX/2022 to report this transaction. the people gained access and changed all my information and logged me out of my account. I was unable to log back in due to them changing the information on me. I spoke to many members from guest services and I also spoke to a Supervisor who told me on the phone told me the transaction was flagged and it was a pending transaction ( on XX/XX/XXXX ). Three days later after they said that the transaction went through. 5 days later, when I am finally transferred and able to speak to a person from the dispute department they tell me the transaction went through. They filed my dispute 5 days after the transaction occurred. I Called the bank every day until they made the decision on the account and they are stating that the Transaction was not an error. I was told my transaction was flagged to being told by the dispute department that the transaction was not an error when I called the day it happened and told them I was logged out of my account by someone else and they took my funds. On the bank statement it can show where my last transaction occurred and where the person took my money out. This bank is not secured at all! they should not be aloud to activate as a bank because they do not have security at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I have recently submitted a complaint about another account for the same apartment I don't understand how 2 separate collection firms can try to collect the same delt I owe an each 1 is different it affect my credit tremendously an I feel it should only be 1 credit firm handling the delt so i can know an accurate amount to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Since XX/XX/2022 I have had numerous fraudulent accounts open at TD Bank. I've called them multiple times and they say " they are looking into it ''. I continue to get new accounts sent to me that someone is opening fraudulently. I have documents of everything I have for TD Bank. I am annoyed that this continues to happen at the same bank. TD bank said it may take months for them to send a letter that this account is closed even though there are multiple fraudulent accounts. A few accounts also were then opened at XXXX bank as well around this same time. XXXX was able to send me a notice of account closure very quickly. I am still waiting on TD Bank to do this. I am attaching XXXX to show how quickly another company can handle it compared to TD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09 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: TX

Complaint narrative:
wrong account and data on my Equifax credit report, I do not know these companies try to do collection. wrong information i do not agree should be deleted immediately. 
I was about to refinance my Mortgage and this wrong report is not justify and violate customer right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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:
XXXX XXXX XXXX XXXX ( XXXX ), after initially approving me for a loan, reneged and refused to issue the loan. That may be well within their rights, however, they reported the loan on my TransUnion credit report has issued. Now I have an installment loan reporting which I never received due to the negligence of XXXX and TransUnion.

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 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation