vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX XXXX along with XXXX and XXXX are attempting to collect on a debt/foreclose on subject property ( XXXX XXXX XXXX XXXX XXXX XXXX. The first problem, XXXX does not know, nor have they verified the current and rightful owners of the property. Therefore, they are foreclosing in the wrong Homeowners names, while failing to serve the rightful owners of the property, prior to advertising a foreclosure sale. XXXX, XXXX claims to work on behalf of The XXXX XXXX XXXX XXXX  XXXX ( the alleged creditor ). XXXX and XXXX claims to work as a Power of Attorney for The XXXX XXXX XXXX XXXX XXXX on behalf of XXXX. However, XXXX has claimed on several occasion that their firm does not own the property or the loan. Per the Supreme Court of Georgia, only the secured creditor can foreclose. The XXXX XXXX XXXX XXXX XXXXXXXX is not the secured creditor, nor have they invoked XXXX or XXXX and XXXX to collect a debt. We also had a Licensed XXXX XXXX XXXX cross reference our findings please see attached. XXXX has also instructed our homeowners ' insurance company to discontinue our decade plus old policy. Please see attached. XXXX and XXXX and XXXX are engaging in illegal and fraudulent activity that is causing irreparable harm. We the rightful owners of the subject property have retained legal counsel. XXXX, XXXX refuses to acknowledge or communicate with legal counsel, hired to amicably resolve all matters surrounding the account. XXXX, XXXX in connection with XXXX and XXXX are attempting to sell illegally converted stock instruments, represent entities that have no interest in the subject property, perform an illegal foreclosure, theft by taking personal property, false and misleading representation, ignore homeowners counsel while interfering with their constitutional rights through deception, theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: BlockFi Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I withdrew cash from my blockfi account. I followed up several times up through XX/XX/XXXX and customer service continues to say they are " processing '' my withdrawal but I still don't have my money. I don't know of any bak that takes nearly a week to transfer money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a XXXX  Banking checking package with Citibank online on XX/XX/XXXX. The opening deposit of {$100.00} was funded through an ACH transfer from my checking account with XXXX XXXX. I then initiated a transfer of {$49000.00} from XXXX XXXX  through ACH on XX/XX/XXXX. The funds were deposited into my Citibank checking account on XX/XX/XXXX. The balance at that time was {$50000.00} I then received an email on XX/XX/XXXX saying my Citibank checking account will automatically close in 60 days. The final statement for the account was generated for the period XX/XX/XXXX to XX/XX/XXXX where it showed a withdrawal of {$50000.00} on XX/XX/XXXX. I was hoping to receive a check for the balance ( as was also stated in the email of XX/XX/XXXX ), but I haven't received any check yet. 

I called Citi and they said they can not send a check, but the funds were sent to the " ledger '' and asked me to initiate a claim from the funding bank ( XXXX XXXX and XXXX XXXX  ). I tried filing an ACH claim from XXXX XXXX, which was denied saying that the fund transfer was initiated from Citi. 

There is no Citibank branch in my state and I am not able to find anyone to help me get my funds back.

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 2022-03-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now

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 2022-03-17 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: DISCOVER BANK
State: CA

Complaint narrative:
12 U.S. Code 83 - Loans by bank on its own stock U.S. Code Notes prev | next ( a ) General prohibition No national bank shall make any loan or discount on the security of the shares of its own capital stock. 

( b ) Exclusion For purposes of this section, a national bank shall not be deemed to be making a loan or discount on the security of the shares of its own capital stock if it acquires the stock to prevent loss upon a debt previously contracted for in good faith. 





Offset the balance. Bring it to {$0.00}. Leave the account opened. 

Open-ended, No limit. 

I express my intent, per law. But I would like to bring the balance to 0 according to US code 15 U.S. Code 1666 and also due to the fact that banks do not lend according to ( 12 U.S. Code 83 ) I know that this Is doable. Also I would like my late payment removed from all credit reports as well due to the fact I have a history of paying on time with XXXX  thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
XX/XX/XXXX our lender discovered AMEX had listed our old, closed account as " Charged Off '' in the amount of {$3900.00}. This prevented me from getting a mortgage. I have been corresponding with AMEX via snail mail since XX/XX/XXXX and made telephone calls only to be told that the information is correct. I mailed copies of bank statements, all payments totaling the amount listed as " Charged Off ''. AMEX has mailed me copies of statements, with the last statement showing payments of {$500.00} paid XX/XX/XXXX, {$800.00} paid XX/XX/XXXX, {$1000.00} paid XX/XX/XXXX, {$610.00} paid XX/XX/XXXX, {$1000.00} Paid XX/XX/XXXX all total {$3.00}, XXXX ; and they will still not remove the words " Charged Off ''. I have not received a 1099 for this and neither has the IRS showing it as income for me. The credit reporting agencies will NOT make any changes because AMEX continues to say I did not pay it in full, this is untrue. I have requested the documentation AMEX gave to the credit reporting agencies and have yet to receive that from AMEX. I have written 7 letters with copies of bank statements and copies of their own website showing XXXX balance when I made the final payment on XX/XX/XXXX, with copies to XXXX, XXXX, XXXX, Better Business Bureau oXXXX XXXX XXXX, TX, Texas Attorney General with no resolution for correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I have a cryptocurrency investment account opened through Coinbase that had been perfectly fine for a long time. My balance in the account was around {$6000.00} when I was informed on XX/XX/XXXX at XXXX XXXX that my account had been compromised and there was a password change as well as initiation to withdraw my funds. I immediately called Coinbase and locked my account, ensuring that my money was frozen and none of the transactions were to go through. I was ensured my money was safe and all I would have to do is recover my account through my email. However, I stopped receiving emails from Coinbase through this email since my account had been compromised. After weeks of attempting to recover my account, I had created a new account for Coinbase to safely transfer my funds over. However, after the funds were transferred I found out there was only about {$100.00} in my new account. I had lost the rest of the funds after I was told they were frozen and safe. Even though I had immediately called to freeze my funds and cancel all unauthorized transactions and was assured they were cancelled, they still went through. Not only had the company lied to me, but they also lied to my financial advisor at my local bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2022, I attempted to access my online account for monthly statements of which I have not reviewed in almost a decade. Throughout that time, the loan has been sold and bought by various lenders. 

Most recently, when SunTrust was acquired or merged with BB & T to form Truist, I lost my ability to access my account to ensure it is being serviced accordingly. In an attempt to solve this problem, I attempted to reinstate my account with the new Truist platform, but to no avail.

In an attempt to rectify the situation with Customer Service over 24-hours, the bank - Truist, did not provide solutions and continually lied to me regarding their intent to fax me my recent statements.

Complaints addressed here : 1 ) Failure to provide access to my own customer information 2 ) At minimum, 5-calls were made all with 30-min plus waiting times.

3 ) In every instance, no representatives were able to remediate the issue nor understood how the merged systems of BB & T and SunTrust into Truit may have impaired our ability to recover our accounts. 

This seems to be a common issue as evidenced by the following news report : XXXX XXXX XXXXXXXX.

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 2022-03-17 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Ive been breached someone used my information for SYNCB/OLD NAVY inquiry on XXXX also the address reported XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-03-17 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-17 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: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
On XX/XX/2022, I sent filed a complaint stating ACIMA was furnishing inaccurate information to the credit reporting agencies and that I want the information deleted because of these inaccuracies. They responded on XX/XX/2022, stating that they believe they are reporting correct information to the credit reporting agencies and that they have a right to report even after I showed them the law that states my consumer report excludes transactions and experiences from my report. The company said they did their investigation and that everything they were reporting was accurate and true and would send an update to XXXX. 

Well in my credit report I found they were not reporting accurate information and in the letter, they sent me there were a number of inaccuracies. I have attached all of this information to the complaint as proof. 

On my credit report, the date opened does not match what they state in their letter nor does it match said lease agreement. The total balances don't match whats stated on my credit report vs the lease they sent. The signature says it's electronic and it is not my actual wet signature nor did they provide proof of identification to show that it was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I lived at the XXXX apartments from XXXX. In XXXX of XXXX I was advised by XXXX XXXX ( manager ) that the unit I was renting would be renovated and that I would have to move. In an effort to assist with relocation I was told You dont have to pay the rent for XXXX, save your money to move. It is outlined in the notice. 

I moved from the property on XXXX. I did not become aware of the debt being reported to my credit until XXXX. At which time I took the following steps. 

XX/XX/XXXX I sent my initial email to XXXX  and telephone calls ( no response ) XX/XX/XXXX During a follow up call to XXXX  I was told to speak to XXXX XXXX XX/XX/XXXX XXXX XXXX said he would send me a moveout statement ( per my request ) XX/XX/XXXX Followed up on my request for moveout statement. 

XX/XX/XXXX Spoke with XXXX who said he would be contacting XXXX with next steps XX/XX/XXXX XXXX outreached in an attempt to collect the debt. I explained the situation and was told they would contact XXXX  to confirm the amount is error XX/XX/XXXX XXXX said that they had not heard any response from XXXX or any associates from XXXX  I have sent a certified verification of debt with my 60 day notice as well as text messages between XXXX ( manager ) and myself to XXXX and XXXX XXXX. I received a response from XXXX with a copy of my lease and move-out statement. They refuse to acknowledge any of the proof that shows the debt is being reported in error. 

There were numerous attempts to contact XXXX thereafter with no response. Upon reviewing the ledger I am being charged for XXXX Rent : XXXX + late fee XXXX XXXX Rent XXXX + late fee XXXX These charges are wrong and I have exhausted all possible remedies with the collection company and original company XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now

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 2022-03-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX XXXXaughter PLEASE HELP ME PLEASE im XXXX  now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XXXX ) I have a credit card ( Chase Freedom ). Over the past XXXX XXXX yrs, I have not had a credit card from Chase. They closed my account due to an unauthorized purchase in the past. have been trying multiple times to get a new card sent to me in the mail. I have not yet received it. They claim that they keep sending me a new card every time, they verify my address prior to ending the phone call and tell me that I should receive up to XXXX business days. I never do. I have not made it a serious issue since I did not use it. 
XXXX ) I have not been able to login to view my account in over XXXX yrs now. I have tried over XXXX month ago with a customer service representative, but was unsuccessful. He claimed that my account was locked out. In addition, it is hard for me to get service, since the call requires a XXXX digit credit card number. I do not have a card XXXX ) I have been a customer with this bank for XXXX  years, and was never late on my payments. Recently, I have been late, XXXX times. I explained to the rep, that I can not sign in to my account still. I wish to have these late payments taken off my credit report. The rep told me that he can not help me. I do not think that I can resolve these issues on my own. I really need your help. 
I would be most grateful. 
Warmest Regards, XXXX XXXX ( XXXX XXXX

Company response to consumer: Closed with explanation