vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing you to delete the following information off my credit profile, the items I need deleted are listed in my report. I am a victim of identity theft and did not make the charges. I ask of you that the statement be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission. I also enclosed copies of my report to the federal trade commission identity theft affidavit. I would appreciate it if you could please delete the items as soon as possible. As it is hindering me from advancing my life style to provide for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XX/XX/XXXX disputed AAFCU and asked where information was verified. TransUnion responded and said information was updated but not changes made to information sent. I also asked for an Investigation and no investigation was never made. Sent supporting documents showing that Transunion and XXXX are showing different information on account and Transunion sent back account was updated. Again no changes made to errors seen on credit report. 
XX/XX/XXXX sent follow up information. received an automated response from computer. 

sent final letter on XX/XX/XXXX that i would be reporting TransUnion for not complying with FCRA and reporting inaccurate information. Also for not doing an investigation.

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 2021-03-16 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:
Transunion is reporting a collection file that does not belong to me please remove XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX {$310.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX XX/XX/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 2021-03-16 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: CITIBANK, N.A.
State: PA

Complaint narrative:
on XX/XX/2021 I over paid my credit card bill in the about of {$2600.00} I borrowed this moeny from another credit card that offered me a XXXX percent interest loan for a year to get ahead of my hi interest credit cards in which citi cards from Cita Bank was XXXX of them ive been trying to get this amount I over paid in the amount of {$2600.00} refunded for over a month now every time I call Im told that within 2 days I will receive the money refunded to my checking account they hjave on file for me however this never has happened for the past 5 weeks I need help in getting my money back from these people at citibank my bills depend on getting tis money refunded please help

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 2021-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Mon, XX/XX/XXXX at XXXX XXXX I had a Venture Capital Card and had accumulated XXXX rewards points on it. My membership fee was due on XX/XX/XXXX but I had not received any invoices or email and had not been using the card because of Covid19. I called today and found out Capital One had quietly cancelled my card and took away my XXXX points that is worth {$700.00}. The worst thing was the representative told me the company was doing me a favor since it paid the membership dues for me ( the dues is for XXXX XXXX to XX/XX/XXXX ) and saved my credit. Except that is just a blatant lie and theft because if my dues was " paid '' by Capital One, then why was my account closed and my XXXX points been taken away? It is a mere conspiracy to steal my points. I demand to have my XXXX points reinstated and I am willing to pay the {$95.00} membership fees to Capital One but Capital One refuse because {$700.00} is worth more than the {$95.00} which Capital One had never paid for me or else my account should be still open and my points would be still mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter dated on XX/XX/XXXX to TransUnion to correct my date of birth. The date listed is XXXX. I just received a letter from them dated XX/XX/XXXX with the same information listed.

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 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Revolut Technologies Inc.
State: CA

Complaint narrative:
I had an account with the prepaid card App " revolut '' They asked for ID verification I sent them my ID, Front and back, Proof of employment, My federal tax returns, Etc After jumping through hoops, 1 more request after another, endless documents requested. 
Then they still decided to close my account anyway. 

Fine. 

That's their right. 

But now there is absolutely no possible way of contacting them. 

There is no contact email on the website, the only option to contact them is through the app, only after you login. 

But since my acc was closed, my login no longer works, so I can not login. 
please, I urge you to look into this. 
This company still has a relatively large amount of my money that was in that account, And since the time they closed it, the IRS claims to have sent both the 2nd and 3rd stimulus payments into that same account. 

PLEASE help me to contact this company, and PLEASE investigate this so it doesn't happen to others. 
This is literally a scam fake bank. 
Fraud 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 explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I am not able to connect my external bank account to the savings account, i emailed credit karma support on XX/XX/XXXX and they replied back within minutes but they have not resolved my issue and now they wont reply back to any other emails I send. I have funds in this account and need access to it, Ive suggested they send me a check for my funds but Ive got no reply back, we are in the middle of a pandemic and thats all the money i have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are over XXXX unauthorized inquires for credit cards, bank accounts and auto loans with someone unknown to me using my name to try and obtain lines of credit. I need help removing these many many credit inquiries off my credit file. 
XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; ALL BANKS NON SPECIFIC-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DE XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE 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 XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DE 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 non-monetary relief
Consumer complaint received 2021-03-16 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I used my Chase credit card to purchase a large food order at a drive through restaurant while on a long distance drive. About an hour later, we opened the bags to find that it was the wrong order and was significantly less food than what we had paid for. I called the restaurant and the manger told me I would have to go back ; I explained I was already an hour away and I was not going to be in that area again. So I tried to dispute the charge on Chase.com. I kept getting errors and messages to call Chase Customer Service. I called Chase Customer Service and was told by the rep that she had filed the dispute and that I would get a message to confirm. I never received the message and no dispute was filed. The app still won't let me dispute the charge ( error message ). I have been leaving messages ( via mobile ) for about a month, with no replies from Chase other than " we will get back to you ''. It is ridiculous. I will be closing all of my accounts with Chase but I want this charge removed before I do so. This is absolutely terrible customer service and I will never do business with Chase again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-16 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
On XX/XX/2018 Portfolio Recovery Associates added a derogatory mark on my credit report per XXXX XXXX, XXXX, and XXXX app. The collection has been reported as a past due balance i do not know this company, I have never done any business with this company. The debtor creditor did not verify this collection. Also there is no written form of communication contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA Portfolio Recovery Associates has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I am a XXXX XXXX XXXX man with multiple health issues. It was important that I have reliable transportation and this prompted me to purchase a XXXX XXXX XXXX. I wanted to purchase a truck due to the need for XXXX XXXX XXXX where I live. I expressed that my needs were health related to the dealership. They did not have the truck which I desired to purchase and that was equipped for my needs. 

The dealership requested that I put a deposit of {$500.00} down to bring a vehicle from another dealership. I was assured the vehicle was brand new and it would be equipped as I needed. I was not provided a picture of the truck prior to my deposit. 

1. The truck arrived and was equipped with mirrior 's which were different than the ones I expected. I began the signing process on XX/XX/XXXX, but then there seemed to be high pressure sales tactics used against me. I walked away from the dealership before even test driving the vehicle. Several days later the dealership attempted to get me back into dealership. I told them I did not want the truck and they seemed to be pushing me into the purchase. 
2. I returned to the dealership on XX/XX/XXXX and I requested to take the vehicle out for a test drive before I signed for the purchase. I noticed there was 160 + miles on the vehicle at this time. Yet the paperwork was submitted for my signature with 66 miles on it and I did not understand why. I requested that the documentation be changed to reflect the true mileage but I was told " it was late, and what was 100 miles ''. I kind of agreed but now I disagree. 
3. I drove the truck from the dealership home that evening and to our Church where I have served as a XXXX  for 24 years with XXXX salary. I drove home with some members of the Church and the truck began to have white smoke and not shift properly. I pulled over to the side of the road and turned the vehicle off. I was able to get the truck home and I had my son " a man like my son '' take the keys and attempt to drive it to the dealership for repairs. He began to pull out of my driveway and the transmission would not shift and ultimately I had to have the truck towed to the dealership. I bought a brand new truck not to have issues and now within the first 100 miles I have an issue.

4. The service department manager looked into the computer and noticed this vehicle had an issue like this previously ( non disclosed ). Further details of all these events are enclosed my documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: Duvera Billing Services, LLC
State: AZ

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results since.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results since.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: American First Finance, Inc.
State: AZ

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results since.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have contacted Experian several times for almost a year by mail to have a debt reporting by a company named XXXX XXXX  that I hold no contract with nor have I received services from. This company is reporting a collection account against my SSN in the amount of {$810.00}. I have requested verification of this debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for this alleged debt.

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 2021-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: UT

Complaint narrative:
On XX/XX/XXXX I submitted a ticket for XXXX to remove the XXXX from my account as I'd lost my XXXX authenticator codes. I got an automated email from " XXXX '' saying to attach my ID, a picture of me holding my ID, and a video requesting them to deactivate the XXXX, which I sent them immediately. It is been almost 3 days since hearing from them at all and it seems they are just holding my money XXXX and not working with me to get into my account. I have enough money in there that I'm missing out on profitable trades and gains and they have to let me into my account immediately. No sign of contact with an actual person. This needs to be resolved now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/21 I mailed Experian a dispute letter disputing an account being reported to them by XXXX XXXX account # XXXX. I notified Experian that the company is reporting inaccurate unverifiable information. Before submitting a letter to Experian I requested verification/ validation from XXXX XXXX myself. The documents the company sent me to verify the debt that I have no knowledge of stated information that was totally different than what they were reporting to Experian. The address, and amount owed was incorrect. In my dispute letter to Experian I advised them that according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Experian has yet to respond to my dispute I have tried to contact them by phone and letter. Documentation attached to complaint.

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 2021-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase has completely ignored mine and thousands of others request for assistance on their platform. Their XXXX has spelled my name completely wrong ( XXXX XXXX instead of XXXX XXXX ) and now I can not sign back into my account due to identification procedures. I have trying to communicate this mistake and how to fix it and it has been 4 months with 0 response from this company. Coinbase does not help any of their customers support tickets and needs to be stopped and investigated. Look online for this company they are scamming and abusing their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
I have not supplied proof the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2021-03-16 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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am XXXX that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX # XXXX ***Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXX ***Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX XXXX # XXXX ***Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXX ***Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX. XXXX XXXX # XXXX ***Please provide documentation used to verify the dispute. Please delete from my credit file ASAP.

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