vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX. have/ has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 Also states a consumer reporting agency can not furnish my account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
https : //www.coinbasedapp.net/dapp/ # / In cionbase dapp, they charged me {$100000.00} to do investment. I earned {$370000.00}. When I withdraw my money, they didnt let me do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: HI

Complaint narrative:
In late XX/XX/XXXX we received a letter from Freedom Mortgage stating that our XXXX XXXX XXXX XXXX  owners ( XXXX ) insurance expired '' ( see attached ). Thus far, our Homeowners Association 's ( HOA 's ) master hazard policy 's hurricane coverage has always been sufficient for Freedom Mortgage. I tried uploading proof of both the HOA 's master hazard coverage and my homeowner 's coverage, both of which are not expired, but the link provided in the letter was broken ( see attached ). The next morning, I mailed a copy of these documents to the address provided in the letter and called Freedom Mortgage to ask about the letter. They stated that Freedom Mortgage now requires condo owners to have wind coverage in their unit owners ' insurance in addition to the master hazard coverage. In the conversation, the agent also made a comment about how the policy had actually been in effect since the previous XXXX, and they should really be charging us for the past XXXX months. The agent also provided an email address to submit the proof of insurance when I pointed out that the link in their letter was broken. After talking to Freedom Mortgage, I called our insurance agent to purchase the coverage Freedom Mortgage said was required. This coverage was immediately put into place ( see attached ), and proof of insurance was sent to Freedom Mortgage, both by myself and my insurance agent. In XXXX, we received a letter from Freedom Mortgage stating that we still needed to provide proof of wind insurance from XX/XX/XXXX through purchasing our new wind policy in XX/XX/XXXX ( see attached ), or we'd be required to pay for the insurance they purchased on our behalf without our knowledge ( and at a cost that's over XXXX times higher than what we purchased ourselves as soon as we received notice of the requirement ). I contacted our insurance agent, who told me it's not possible to purchase retroactive insurance. My husband has contacted Freedom Mortgage regarding the retroactive insurance charges, and we have yet to receive clear information from Freedom Mortgage. We purchased wind insurance as soon as we were told it was required and our condo suffered no wind damage in the intervening XXXX months when this insurance was supposedly required without our knowledge. We should not have to pay nearly {$2000.00} for a product that we were not aware we were required to purchase, we did not use, and, given that it covers the past, we can never use.

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 2022-06-03 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: FL

Complaint narrative:
Perform an investigation about my case and provide me with evidence, if you cant prove anything delete the negative account listed on my credit report. Delete the inquiries please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
What happened : {$1500.00} was withdrawn from my checking account through ATM in person without my permission. Chase initially accepted my claim but they denied it about 2 weeks later. My current account balance is currently negative.

Reason : Chase denied my claim as a fraud because it looks like those transactions were made by me.

Story : 1. Friday, XX/XX/XXXX at XXXX XXXX. I got an email from Chase, Email Address Change Confirmation. However, I didnt change my email address on Chase. [ XXXX ] 2. I called Chase right away and explained this situation. They removed that fake email not owned by me.

3. Saturday, XX/XX/XXXX at XXXX XXXX. I got an alert from Chase App on my XXXX and from an email from Chase. My balance of {$20.00} was below the {$50.00} limit you set. I checked my checking account. I was shocked. 3 times ATM withdrawal of {$500.00}, a total of {$1500.00}, happened and it was described as XX/XX/XXXX XXXX XXXX XXXX NY XXXX XXXX. It was the Chase branch near my home and my card number. [ XXXX & XXXX ] 4. I called Chase during business hours in the morning. I explained my issue and those ATM withdrawals were not made by me. I didnt withdraw money, didnt go there, didnt use ATM, didnt give my card or anything related to Chase to anyone, and I was home at that time.

5. During the investigation, we found somebody used XXXXXXXX XXXX XXXX ( Chase XXXX XXXX ) and XXXX XXXX  like Contactless to withdraw my money. I found its phone was active in the Device History on the Chase website. Somebody accessed my Chase data using its phone on XX/XX/XXXX at XXXX XXXX. its only 2 minutes gap between updating my email and accessing my Chase data using its phone. I have never owned and used XXXX XXXX XXXX. So, I deactivated its phone as soon as I found this unrecognized access. [ XXXX & XXXX ] XXXX. I got money back from Chase at this time. [ XXXX ] XXXX. Friday, XX/XX/XXXX at XXXX XXXX. I got an alert again from XXXX. My balance was $ XXXX. I checked my account. I found 3 times transactions of {$500.00}, a total of {$1500.00}, for REVERSAL : ATM WITHDRAWAL. I was shocked again. [ XXXX & XXXX ] 8. I called Chase during business hours in the morning. I wanted to know why the reversal of my claim happened. They said it was not fraud according to their investigation. The reason is that those transactions were used by my own information so it looked like I, myself, made those transactions. They asked me again if I gave my debit card, my phone, or anything relevant to somebody. I talked to Chase again that I have never given my card, phone, personal information, and any important data to anyone. They asked me again and I explained again. It was endless.

9. I called Chase to get help to solve the issue that unrealized transactions happened without my permission. However, I couldn't figure it out with Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: TX

Complaint narrative:
Received an email from US Bank on XX/XX/22 at XXXX XXXX indicating that I had applied for a card ( I currently have a credit card with this company ). 

Dear XXXX, Thank you for applying for the XXXX XXXX XXXX  Card. 
Give us some time to review your application. We may contact you to verify your info or request documents. Youll certainly hear from us when weve reached a decision, which usually takes 7-10 business days. 
We appreciate your patience. Thank you for choosing U.S. Bank. 

I received another email on XX/XX/22 at XXXX XXXX from US Bank : Your card will arrive by mail in about 7 days. Be sure to activate it that will give you a total credit line of {$17000.00}.

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 non-monetary relief
Consumer complaint received 2022-06-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
XX/XX/2022 I disputed this account for violating FCRA regulations TILA the credit XXXX/Bridgecrest is violating consumer laws by reporting and aid and abetting in furnishing this inaccurate report on my credit profile. 

I had no luck reaching out to the inforamtion on my credit profile for the number listed is not working. These violations are serious and harming my credit report by violating USC 1681 ( S ) ( 2 ) & ( 3 ) & Fair Debt Billing Act. 

I would like the formal and orginal instrument of indebtness and all loses on books to see where is the numbers from this account is coming from. I have been getting no reply from the creditor and XXXX reps are no not giving me any names numbers or anything. this company is rude and hols your personal information hostage when trying to correct them. 

If a creditor sales something or transfer the debt the balance and other factors should go into play and be corrected. THIS IS FRAUD ALL AROUND.

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 2022-06-03 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: FL

Complaint narrative:
Perform an investigation about my case and provide me with evidence, if you cant prove anything delete the negative account listed on my credit report. Delete the inquiries please.

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 2022-06-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Perform an investigation about my case and provide me with evidence, if you cant prove anything delete the negative account listed on my credit report. Delete the inquiries please.

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 2022-06-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Bank is not responsive. On XX/XX/XXXX I received XXXX emails from Ally " we restricted your accounts because we detected suspisious activity on XX/XX/XXXX. You may not be able to log in or transfer money out of your accounts. '' I was on vacation but did call Ally on XX/XX/XXXX and they told me it was their error and there was no suspicious activity. I asked if they were sure? They said " yes '' I verified balances. At this time all the money was there. I checked on XX/XX/XXXX and my balance was fine. I checked on XXXXand {$91000.00} was missing from my savings account! I told Ally I did not authorize this transfer. They said they called me twice, but I never received the call. The phone number they had was not mine! I opened a case XXXX. I can not speak to the fraud dept., the customer servics reps. have no information. Ally negiligently release my money in a wire transfer to XXXX XXXX, never notified me or verified it was me. I am still missing the money with no response or help from Ally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA
State: VA

Complaint narrative:
On XX/XX/2022 I received a letter from XXXX welcoming me to their XXXX XXXX XXXX XXXX credit card. BUT, I never applied for this credit card. 

The letter did not include a card, but it it told me to call and activate the card. I called their customer service telephone number on XX/XX/2022 and informed them that I did not apply for the XXXX credit card and that I wanted to report fraud. I spoke with XXXX and she informed me that she would designate the credit card account as fraud.

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 2022-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-06-03 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: LA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: CA

Complaint narrative:
My identity was stolen when my car was broken into and this account is a result of identity theft. An auto loan was opened with XXXX XXXX XXXX in XX/XX/2015, The account now shows as a charge off of {$11000.00}. The company informed me they completed their investigation and the results remain the same. I have tried several times to resolve this with the company.

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 2022-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XXXX XXXX, there was an unauthorized transaction on my bank account and someone used my XXXX account linked to my bank and made a transaction of {$1400.00} from my account. 
On XXXX XXXX, I called the bank and raised a request with the bank to block my card and alerted them about the unauthorized transaction, and they refunded the amount saying they will investigate the claim. 
On XX/XX/XXXX, the bank said they can not verify the transaction irrespective of raising alerts and blocking the card and asked me to fight with the merchant instead which is absurd because XXXX is a 3rd party website.

**Still waiting a response from the bank** I have the fraud 's XXXX user id to whom the money was sent and also raised a complaint with XXXX but they said I need to talk to the bank to resolve the issue! So basically do not use XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
We refinanced our mortgage with Rushmore Home Lending earlier this year after they were unable to match a competing offer. We closed with the other company at the end of XXXX and were told that our escrow check from Rushmore would be mailed to us and take 7-10 business days to reach us. We have followed up no less than 4 times from XXXX to XXXX with Rushmore to know the status of our check before we were told that the check had been fraudulently cashed in XXXX only after I asked to speak with a manager. Since the first call in XXXX, I have been lied to, told incorrect information and have been met with willful incompetence by every single employee that Ive talk to since then. I have been told so many different things and now they are basically refusing to give me any information to when a new check would be issued after someone told me that I would be issued a check last week and it would be sent via XXXX. I record of who I have spoken to as well as the Managee at XXXX XXXX who has been trying to help us figure this issue out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I consumer XXXX XXXX have had my federally protected consumer rights violated pursuant to 15 usc 1692 multiple times. Portfolio Recovery Associates , LLC mailed me a letter trying to collect on an alleged debt. This letter contained violations of 15 usc 1692 f ( 8 ), there can be no symbols on the outside or inside the mails in the attempt of collection of any debts, 15 usc 1692 e ( 2 ) ( a ) How can Portfolio Recovery Associates , LLC, allege I the consumer owes a debt, but the debt is shown in the positive balance? If the balance was owed in a bank account, it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? This amount appears as if it were owed to me ; numerous violations of 15 usc 1692 e ( 10 ), violations of 15 usc 1692 c ( b ) Portfolio Recovery Associates , LLC can not communicate with anyone other than the consumer, an attorney or CRA if permitted by law. However, the debt collector, Portfolio Recovery Associates , LLC has communicated with the all caps name principal obligor, { XXXX XXXX XXXX } and has always referred to my principal obligor and not myself the agent, natural person, and consumer in fact ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX I took out a loan via Affirm with XXXX XXXX Bank in XXXX, NJ, to pay for test preparation materials from XXXX. 

The loan amount financed was {$1500.00}, for a term of XXXX months with a monthly payment of {$140.00}. 
My interest rate was 29.99 % APR. 

My first payment was due XX/XX/XXXX. I paid in a timely fashion and paid the loan off early XX/XX/XXXX. 

I have called XXXX XXXX Bank in XXXX, NJ, to request they report the payments to my credit report. However, the two representatives I spoke with said that they did not know anything about this and could not help me at all. They suggested I call Affirm. I have been unable to reach any representative at Affirm regarding this matter. 

I would appreciate a resolution to this matter and for all my timely payments to be reported to my credit report.

Company response to consumer: Closed with explanation