vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Good good this complaint is a follow up with a current complaint I file with cfpb, the complaint ID is XXXX. Also a notarize letter I recent sent to the company I am complaining about which is Bank of America. Be advised ( I mail this letter today XX/XX/2023 after the the complaint ID number listed in this complaint. ) I will like to send you a copy of the letter to inform you that the company will be put on notified as soon as possible. Also other supporting documents that can help my case.

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 2023-07-03 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
This card was open up in my name has fraud I did not open up this card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I request that you promptly initiate a comprehensive investigation into the unauthorized inquiries on my credit report. Please provide me with a detailed report of the findings and the steps taken to rectify this situation. 

Remove unauthorized inquiries : As per my rights under the FCRA, I request the immediate removal of all unauthorized inquiries from my credit report. This should be done within the stipulated time frame of 30 days, as mandated by federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX, I was going to lease a house and wired a security deposit and first//last month rent to XXXX XXXX XXXX via my XXXX XXXX XXXXXXXX account to a Chase Account . I signed the lease agreement and the property was never made available. upon finding out the property was not available and realizing it was a scam I contacted Bank XXXX XXXX and filed a fraud claim on XXXX. I provided Bank XXXX XXXX with all the documents I received, lease agreement, information on the person that put the property for lease and all their bank information. XXXX XXXX XXXX initiated a fraud claim. I constantly called to get updates and XXXX XXXX XXXX check and fraud department wound tell me that they needed to extend the investigation. After months of not hearing from them I called on XXXX and spoke to XXXX in the Check and Fraud Department and she XXXX XXXX XXXX XXXX case was closed and my funds were not recovered. XXXX XXXX XXXX never sent me any notice or kept updated on the investigation. Amount lost : {$11000.00} Claim Number : XXXX On XXXX XXXX XXXX I was contacted by XXXX XXXX Resolution Specialist at XXXXXXXX XXXX XXXXXXXX XXXX She told me XXXX XXXX XXXX is not going to get my money back from Chase bank. She stated I can call Chase Bank and ask for my money back. I contacted Chase Bank and was told these claims are handle bank to bank. I was told by Chase bank I can not do anything and to have my bank contact Chase Bank. XXXX XXXX XXXXXXXX is giving me inaccurate information in an effort to circumvent returning my money and closing my claim. 

XXXX XXXX XXXXXXXX is blaming Chase bank for not returning the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
I never got notification in XXXX about a judgement filed. Only got notified after they got a judgement. 
I never got a validation form after 1st contact. 
I never got information on how I can dispute the debt. 
I never got an end date for the 30 day period. 

I believe this case is beyond the statute of limitations in Ohio. Original filing in 2011. This debt is 12 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION
State: MO

Complaint narrative:
First problem I have with PenFed credit Union. Is it's been 2 years I have no copy of contract I do not have title to my truck that's supposed to be in there according to Missouri state law is a right to title state. 
Second problem I have with PenFed. Is they were supposed to refinance my truck at what I still owed on it which would have been a little over {$21000.00} because I had already paid almost {$7000.00} to XXXX who had the note first. Instead they refinanced it for the full {$27000.00}. They are stealing money from customers. They are supposed to take out the payments the third week of the month. But they claim that their computer can't be set up for the third week of the month. Everybody else ACH is my account the third week of the month. So I told him that I blocked him from my account and I would send money orders the third Wednesday of the month when my XXXX comes in I go get a money order for the amount and put it in an envelope and drop it at the post office that same day. Now over a month later they're telling me that they hadn't even got the money to pay money in and they haven't got the XXXX payment yet. They keep trying to charge me return check fees and late fees which I'm not paying. This company is the worst finance company I have ever worked with.

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 2023-07-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Pursuant to 15 USC 1666b A creditor may not treat a payment on an account under and open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this titled is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: DISCOVER BANK
State: GA

Complaint narrative:
Pursuant to 15 USC 1666b A creditor may not treat a payment on an account under and open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this titled is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
4 Hard inquiries were made on my XXXX credit account that are fraudulent. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-03 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:
4 Hard inquiries were made on my XXXX credit account that are fraudulent. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-03 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: NY

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2023-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2023-07-03 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:
I received an alert from experian. Stating a new address was on my credit report XXXX XXXX XXXX which is not associated with me the address up above and that linked to a collection XXXX XXXX XXXX XXXX that I have no knowledge of that also being reported on my credit file. I have put in multiple complaints in stating these items do not belong to me as will names on my credit that are being reported. And I believe this why when Ive file a dispute they are going back either verified or updated

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 2023-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Beloved, I ask you to get in touch soon. It is a very serious fraud from Coinbase towards me. I am at my wits end and have lost all my money due to Coinbase Fraud. Despite hard and serious facts, it is difficult for the police here in the XXXX  to take action. 

My name is XXXX XXXX and I live in the XXXX. At the beginning of XXXX I met someone named XXXX. She advised me to invest in Coinbase. She said it was safe and easy. It started with small amounts until she started talking about Staking. After a deposit of XXXX USDT, both the customer service and this XXXX indicated to me that I had to deposit a minimum of XXXX USDT or I would lose my bet. 

After again transferring over XXXXUSDT to Coinbase Wallet, it was noticed that my money was being passed through Coinbase Wallet XXXX ( XXXX ) unsolicited. However, it didn't stop. Again I had to pay 20 % Tax to claim back the deposited money. However, this was sent to an external Wallet, but again from Coinbase Wallet. Then came the real blow and this is where the scam begins. Now, before XX/XX/XXXX, I have to verify exactly the deposited money of over XXXX USDT and verify my account with Coinbase Wallet otherwise I will lose everything. I would like to ask you to help me with this and recover my Money which was simply stolen by Coinbase. 

The police department consider Coinbase, XXXX and this XXXX works together. Coinbase paid this XXXX to get in touch with people and invest in Coinbase and after while then begins the Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
In may I called Bank of America to see if they had any 0 interest rates going on and the rep told me to send him a copy of my id and social security card XXXX open me a high yield account and I said no to him and I didnt send him no Id or my social security card, then I get a statement that I opened a new credit card and I didnt do it it was that rep that fraud rd my card of a XXXX dollars and Bank of America will not give my money back Ive been disputing this since XX/XX/XXXX and it should not have went off my credit card account .bank of americas trying to make me pay for something I didnt do and Ive been with them since XXXX, so please help me get my money back, Im a senior citizen living on fixed income

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 2023-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: MS

Complaint narrative:
XX/XX/23 I contacted the company to let them know that I was experiencing economic hardship that I can not afford to pay every two week..They ach debit my account on a Tuesday in which it put me in the negative with nsf charge. 
XX/XX/23 I contacted the company again with no solution they are just ach debit my account with more nsf charge..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-07-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Reopening the case # XXXX Bank of the West/ BMO converting my ROTH IRA to Traditional IRA and not taking responsibility or offering a remedy.

The Bank of Wests reason for not offering a remedy to their mistake was I should notice their mistake within 60 days and ask for correction.

This was not applicable to my account due to Bank mailing statement once a year. By the time they mailed to me my first statement, it was 12 months later.

Every Statement they sent shows after my name BANK OF THE WEST AS CUSTODIAN, and I paid a monthly fee for each IRA account.

They were the custodian, they are responsible for their mistake.

The Bank of the West has very sloppy works need to be investigated.

I have found 4 IRA investment forms provided by Bank of the West all of them have an error : these are re-investing forms belong to 4 different accounts but somehow they all show same account number. It looks like I reinvested same account 4 times, with 4 different terms, 4 different interest rates within 1 month.

The Bank of the West need to be investigated for their incompetency to find out how many senior citizens were not able follow up on their investment or trusted to Bank of The West were harmed.

Their incompetence is not limited to my 2 findings, I am pretty sure there are many more. 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 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Good Day, Per my compliance with the Equifax Credit Bureau, I have called and sent numerous letters in regard to the matter. I checked my credit report and I see an inquiry authorized on EQUIFAX on XX/XX/2023, however, on the XXXX website the dates are different XX/XX/2023. I asked for the hard inquiry to be removed from my credit report, I did not authorize this to be done, and to show me proof that I authorized this credit card company to run my credit.

Company response to consumer: Closed with explanation