vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was charged a {$99.00} annual fee on XX/XX/XXXX. I called to close the account by phone on XX/XX/XXXX. The account was closed but the fee did not refund. They then processed an automatic payment on XX/XX/XXXX and took the {$99.00} from my checking account. 

I contacted them by phone on XX/XX/XXXX. I was told I wouldn't get the annual fee refunded. They indicated that I had used the account this year and owed it. I disagreed and asked to be transferred. I was transferred to a department that then hung up on me. 

I have not used the card since XX/XX/XXXX. The annual fee is a prepayment for the ongoing year, not a bill in arrears. 

Further, nothing in the term indicates that the fee is non-refundable. Industry practice is to refund the fee if contacted within the billing cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: KS

Complaint narrative:
I pulled up my credit report in XXXX using the XXXX XXXX XXXX XXXX website and saw this debt collection from XX/XX/XXXX from XXXX XXXX XXXX  being reported on XXXX  and Equifax. I reached out with a XXXX letter and asked them to validate it on XX/XX/XXXX. It has been over 30 days and i have been completely ignored. They have sent me any information whatsoever and this stuff is still on my credit report. I called the collection company and they couldn't validate anything for me either. How is it still on my report if nobody can verify it as mine .... The only way i can get help is to have you force them to tell me something. ITs been over 30 days and everyone is ignoring me and stressing me out. This has to be a Fair Credit Reporting Act violation right? Nobody seems to care that this is hurting my credit report. Validate it or remove it, and they can't validate it bc it is not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: TX

Complaint narrative:
I have sent out numerous of letters asking them to verify and show proof of accuracy of the account that is on my report. The accounts and inquiries that are being reported is incorrect and inconsistent. 

Dispute started on XX/XX/XXXX for XXXX XXXX XXXX amount {$220.00}, XXXX {$0.00}, XXXX XXXX {$0.00},

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 2021-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent out numerous of letters asking them to verify and show proof of accuracy of the account that is on my report. The accounts and inquiries that are being reported is incorrect and inconsistent. 

Dispute started on XX/XX/XXXX for XXXX XXXX XXXX amount {$220.00}, XXXX {$0.00}, XXXX XXXX {$0.00},

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: KEYCORP
State: NY

Complaint narrative:
I received a check for {$2700.00}. It was for secret shopping. The check was received on XX/XX/XXXX but I deposited it around XX/XX/XXXX. I never spent the money. I never used the money or withdrew it. KeyBank found it as scam/fraud check so they restricted my account. I can not pay my phone bill or anything like that because all my direct deposit goes to that bank. I have no access. There has been no follow up email. I still have everything they gave me to use as proof except the email they used.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
first off this was from a paypal buisness account debit card i had for several years. 
i am an american, so have an american account, but the issue was due to a charge in XXXX. 
i rented a storage unit for 1 month $ XXXXusd, they had an ad that said they will move your stuff in free, after i rented it i asked when can the truck come for my stuff, they said it was busy for 6-8 weeks. then they closed for the day. 
i called paypal to explain the situation, i even sent in photos of the add stating they would move your stuff in, paypal said no problem, they would reverse the transaction, and gave me access to the XXXX again. approx 6 weeks later i learned they reviewed the transaction and reversed it because they have different rules for online transactions and in person card transactions-yet no one can provide me with those rules. 
they said i needed to go into the store i purchased my product from, and request a refund 1st. i gladly would have done that had it been in the month i paid for, no business would refund you for a period of time you paid for, a month after that has expired. 
i have called, every person on the phone agrees with me, but says i will never win my appeals ( i didnt ) they offered to eat XXXX if i payed the other XXXX, but they didnt credit my account with the money. 
considering i used to sell on XXXX, this has been a huge hit to my income as i am no longer allowed to have a paypal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
2006 we [ my wife and me ] refinance our mortgage with XXXX  lending company we get a loan of {$48.00} thru home equity credit line, our payment went too high, we filed bankruptcy to avoid foreclose, after 15 years a new company send me a charge to pay this amount [ now is more [ double ] even this XXXX  is not here anymore they make a mess with my mortgage. we still paying our first mortgage only depending from our social security checks.we are broke and we can't pay this money this people is claiming to us we need legal aid or someone to talk to them [ we only speak XXXX  ] we can't understand what they want. I'm XXXX and my wife XXXX any help well be appreciate. thanks i,

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 2021-07-17 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: GA

Complaint narrative:
I am extremely frustrated at this point! I have tried to be as professional as possible and its seems that the nice people ALWAYS get over looked and the end of the XXXX stick! These false reporting accounts on my credit report has been an extreme distress to me and my family and has been hindering me from taking care of my family and getting approved for housing and sooo much more you cant even imagine!!

These accounts need to be removed from my account IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: WI

Complaint narrative:
Fortiva Credit Card. 
XX/XX/21 logged onto account to make a payment. The payment screen does not fit on my phone using the mobile app or on my computer using XXXX XXXX or any other search engine. the screen does not scroll and I can not get to where I need to make my payment. Called the phone number listed and system will not recognize my social security number. Used the chat feature and I only got pre printed canned responses that the " person '' I was talking to, XXXX, was looking into the situation and I should call in. I explained that I tried and couldn't get through, got the same response. Now my payment will be late. Please look into this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Activehours
State: MN

Complaint narrative:
Today, XX/XX/2021, I used the app called Earnin to make a cash out of {$100.00}. I clicked cashout and like the app promises, it's not obligatory to pay any fees. Instead, the app didn't even have an option to accept or decline any charges, it just automatically charged a pre-set tip amount that the app forcibly charged ( by fraud ) without my consent and without any approval. Instead of clicking ok or anything, I closed the app. I didn't even authorize it. I contacted the company via email and got an autoreply saying they don't monitor or reply to contacts. 

I asked Earnin to refund this illegally charged fee and remove the transaction. They refused to do so. I told them this is fraud and that I was also contacting the XXXX XXXX store because charging unauthorized fees like this is fraud and violates the app store terms of use. 

The person representing EarnIn continued being rude and refused to give me back the money they stole.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This debt is illegally being reported to my XXXX  and XXXX  Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal. The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. What I want? I want this debt listed by XXXX immediately removed from all of my credit profiles. They will ask have you tried to resolve this issue with the company. I have tried to resolve this and they are unable to verify that I have a debt / document with their company. That should be it. Make sure you put your social and email so they can respond and notify you of updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: TX

Complaint narrative:
Mixed file. My credit report is showing mixed with my brothers credit report. It is making huge impact on both of our credits. Can not purchase a home or get an auto due to this reason. Extremely frustrating. Transunion has done nothing to fix the issue.

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 2021-07-17 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: MO

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach 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 2021-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have a legitimate Coinbase & Coinbase wallet account, both are linked to my bank accounts. Coince base is a seller of cyrpto currency. About 3 months ago Coinbase disabled access to my account and I've been locked out ever since. I've been emailing them, trying to re-open a case, I've tried tweeting to them on their twitter account & direct messaging them on their coinbase support twitter account & all I ever received are automated messages that have the exact same writing & phrasing in every response. I haven't been able to access my money or account for 3 months. I recently contacted Coinbase to try and get my money back & close my account & still no response from them. My money is held hostage by coinbase.I put in a complaint with the XXXX XXXX XXXX over 1 month ago so that they may respond & still nothing. Also, when I checked their XXXX account, there were several hundred people who stated Coinbase did the same thing to their account, some people have been locked out of their accounts cein 2019 & there's no response from Coinbase at all. I tried to look up their employees on XXXX, it states there are over 1000 employees so I'm not sure why no one is getting back to us. There is also no physical address or phone number for Coinbase. they're definitely running some type of scam, as i have no access to my money, i don't know how much is in there as I purchased multiple cryptocurrency. I'm about to close that bank account & need to get my money back from them ASAP. XXXX is no longer hosting personal accounts in the USA, so I need to close that account ASAP but i can't do that while my money is stuck in Coinbase. I have several emails to correspond with my complaint, please advise and help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: IL

Complaint narrative:
Waiting for the credit bureau response to clear these false accounts on my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have contacted Capital One Auto Finance due to this alleged debt they are attempting to collect in which I have disputed electronically, in writing, and orally over the phone and I a, still be told that I am the owner of this debt. In my findings with the information gathered I believe unethical and unfair practices took place with my personal credit information. So I do believe identity theft has taken place and I am to the point where my livelihood is being affected and the safety of my own human life is at risk. Attached are findings and verification of documents. 

Attached will also the alleged account of this debt they are claiming I owe which is an account that was created in fraud through identity theft according to 18 USC 1028

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: AK

Complaint narrative:
XX/XX/2020 I ordered a wireless adapter from XXXX The vendor for the adapter was shady about shipping notifications and I have a huge email chain with them trying to cancel my order or locate the device they claim to have shipped to me. I never received the device I ordered. After several months of trying to work with the vendor I opened a dispute with Goldman Sachs for my Apple Card which I used to make the purchase. 

I have opened multiple disputes with GS citing never receiving my item and the company claiming I DID receive it. I did not. 

The last dispute that I can find record of was on XX/XX/2020. This dispute was also denied. I have disputed multiple times and gotten nowhere with GS. 

The vendors name on my transaction history is XXXX  My transaction : XXXX XXXX XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: IL

Complaint narrative:
Waiting for the credit bureau response to clear these false accounts 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 2021-07-17 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: IL

Complaint narrative:
Waiting for the credit bureau response to clear these false accounts 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 2021-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MD

Complaint narrative:
XXXX XXXX is trying to say a simple clog cost over {$4000.00} in damage, their repair guys said it was the pipes and not the clog, XXXX XXXX is going after me anyway. Hunter Warfield bought my debt from XXXX XXXX and is now harassing me and ruining my credit trying to get as much money out of me as they can. No one is getting a dime from me, the debt is illegitimate, and Hunter Warfield needs to cancel it and move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This debt was reported 2 separate times with all three credit bureaus. The creditors response is that they can not verify this debt and that it would be deleted from each bureau, however it is listed twice and still appearing as the same debt from IC system I would like this additional and identical debt deleted as well as the debt can not be verified as mine.The account number for each of the collections are as follows 1. XXXX 2. XXXX Original CFPB complaint number is 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 2021-07-17 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: RI

Complaint narrative:
I have several hard inquiries on my Transunion credit report that I didnt do. I only apply for pre approved credit cards. These even some that was done twice in the same day. Thank you for your time. On those inquiries XXXX XXXX  is mine XXXX XXXX is mine and XXXX XXXX is mine. Those three only are mine.

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 2021-07-17 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: OH

Complaint narrative:
XX/XX/21 XXXX XXXX, received the following phone text from XXXX : Re : Your EQUIFAX acct. has been temporarily frozen for fraudulent activity! Please resolve Immediately : XXXX XXXX XXXX ( tap to load preview ) Went online to check out who XXXX is. Nothing comes up. The only XXXX  to be found is on XXXX for a craft ( and other offerings ) site named XXXX. 

I did not contact Equifax since this XXXX  site doesn't exist. I knew immediately that this is a FRAUD OR SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: CA

Complaint narrative:
My wife was the holder of a United Mileage Plus credit card. She died on XX/XX/2021. I was an authorized user on her account. I had to cancel the account because of her death. I transferred our accumulated frequent flyer miles to my name. 

I applied for a United Gateway Mileage Plus credit card to continue accumulating frequent flyer miles. My application was denied on XX/XX/2021 I wrote a request for reconsideration on XX/XX/2021 and was denied again on XX/XX/2021. I believe the denial was based solely on the change in my marital status because I have excellent credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
EQUIFAX CONTINUES TO GIVE MY CREDIT SCORE A LOW SCORE. SO LOW THEY ARE AT LEAST 100 POINTS DIFFER THAN THE OTHER 2. WITH POSITIVE REPORTS FROM CREDITORS MY SCORE SHOULD BE GOING UP EACH MONTH AS THE OTHER 2 REPORTING AGENCIES ARE GOING UP BUT NOT EQUIFAX IT STAYS THE SAME. IT SAYS YOUR DOING A GOOD JOB ON YOUR CREDIT ON MY PAGE BUT THE SCORE STAYS THE SAME. DISCRIMINATION

Company response to consumer: Closed with explanation