vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX. 2021, I mailed an affidavit to XXXX in regards to inquiries on my report. I recieved a letter claiming that my inquiries have been investigated and are valid. I spoke with 3 different agents and requested that they send me the documents and report that proves an investigtion was completed. The agents claimed they are not obligated to do so. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with XXXX XXXX and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the inquiries that you are reporting in my credit report. 

Please dont respond to my request by saying that these accounts have been verified because I have never been sent proof of such. Instead, send me copies of the documents that you have in your files that were used to verify them.

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 2021-11-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio
State: OH

Complaint narrative:
Vance and Huffman LLC and XXXX XXXX XXXX XXXX {$8700.00} i have filed several disputes against this company in the credit bureau. this is not my debt. i do not and have not opened an account with this or any other company the dates they say was opened is XXXX, 2020 i asked for proof, a signed contract, anything to show that this is my debt but the have given me nothing and have lied to the reporting agencies and its still on my credit. 

this is against the law and they dont care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit XXXX the date of the last letter was on XXXX XXXX, 2021. And now we are in the month of XXXX 2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
This complaint is against PNC Bank. My husband and I were BBVA customers, which was previously Compass Bank. As I am sure you are now VERY aware, PNC bought BBVA and on or about the weekend of XXXX XXXX, PNC migrated BBVA accounts XXXX changing account numbers, etc. We had four accounts with BBVA, two business and two personal. These accounts were all linked and accessible via online banking prior to the migration. After the migration, only three accounts were linked, the two business accounts and the personal money market account. The personal checking account was NOT linked and all the bill pays previously set up with BBVA were CANCELLED. This is completely unacceptable. To make the problem worse, PNC appears to have been completely unprepared to deal with the onslaught of customer service calls as a result of problems caused by their so-called migration. Each customer service representative I managed to talk to about the issue the day after the botched migration ( after being on hold for ridiculously long periods of time ) had a different approach to resolving the issue, none of which made sense. They were clearly not very well trained. When we went to a local branch the day after the botched migration in an attempt to fix the problems, the person there filled out a form to fix the linking or so we thought. Here we are over a month later and the personal account is still not linked. Each week, I call customer service and I get yet another story as to why the linking is not done. 

It is COMPLETELY unacceptable for a bank to CANCEL scheduled bill pays, as PNC did. This created all sorts of problems. Further, the minimum they could have done is to notify us that there was a problem, which of course did not happen. 

Further, we went to the branch where we had a safe deposit box as we needed to move the contents closer to where we are now living. This was a former BBVA branch and the people there did not even have instructions as to how to cancel the box. I have no confidence that the automatic charge was not stopped. The manager actually had to go to her office and print out online instructions.

This bank was clearly unprepared and incompetent in the acquisition of BBVA and the transition of our account and many, many others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: GA

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the XXXX. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

Certified Mail # : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, XXXX said ANY card. The credit card is my XXXX XXXX card. This is the credit card I used to originate the consumer credit transaction below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX CT XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
Ok this is the more recent and most relevant explanation of my situation with indigo credit card/ Genesis card services. I Typically Indigo reports to the credit bureau on the XXXX of every month its been this way since I opened the card XX/XX/XXXX. In the past 23 months I've had one occasion where I was 30 or more days late there was an online payment issue the funds were never taken from my account until the following month I believeit was {$28.00} Indigo would not give me an ear. I hadn't had a late payment 12 months before nor after. the XX/XX/XXXX late payment was irregular and what I believe to be an error on Indigos part. Indigo continues to make negative remarks on my report affecting my score greatly. XX/XX/XXXX a remark was made and a change was added to my payment history bringing my score down XXXXpoints almost as retaliation for a dispute I made about incorrect reporting. Made XXXX. I paid my balance to {$0.00} I used my card on the XX/XX/XXXX and XX/XX/XXXX Indigo reported on XX/XX/XXXX instead of XX/XX/XXXX as per usual. Further more indigo keeps prompting me to enroll in overdraft protection which I declined. My XXXX statement shows {$0.00} balance yet a balance increase of {$320.00} was reported XX/XX/XXXX which lowered my score XXXX points. I called to file a dispute on XXXX. I questioned why my account was able to go over the limit although I wasn't enrolled in overdraft service as well as disputed indigo reporting later than usual. Indigo customers service explained they had no record of reporting on XX/XX/XXXX and that an investigation would begin. I proceeded to make a payment of {$230.00} on XXXX to bring my account current during the investigation. Inigo reported once again XXXX of a balance decrease of {$230.00} with a {$95.00} Balance showing which is still incorrect because non of my transactions made after XX/XX/XXXX should be reported until XX/XX/XXXX. I call costumer service again to inquire about the investigation and to question why indigo reported again showing my last payment made XXXX indigo reported to me the investigation was complete and that the amount was reported correctly and that indigo had no record of reporting on my account on XX/XX/XXXX nor XXXX that they could do nothing els to help me. Indigo reported on XX/XX/XXXX as previously scheduled showing a {$0.00} balance also adding a negative remark changing a payment history from 3yrs ago I don't understand. The continuous damage to my report is costing me time and money now that im in the process of buying my first home. Indigo 's irresponsible care of my account is most damaging to my financial future. Currently in the process of securing legal representation Pending this final attempt to resolve my current unfortunate situation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports. 
XXXX XXXX {$7300.00} XXXX  XXXX {$470.00} XXXX XXXX {$0.00} XXXX XXXXXXXX {$11000.00} XXXX XXXX {$16000.00} XXXX {$0.00} XXXX XXXX XXXX {$4400.00} XXXX FUNDING XXXX {$480.00} XXXX XXXX XXXX {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: FL

Complaint narrative:
On XX/XX/2021 I was arrested in XXXX XXXX jail and I was incarcerated until XX/XX/2021. During that time my XXXX unemployment card way2go card had {$2800.00} on it. Someone I used to rent a room from stole my card info and used it numerous times at XXXX XXXX XXXX and XXXX to pay bills and make orders in their own name and also claim my weeks while I was in jail. When I was released on XX/XX/2021 I discovered that my card was used and I reported it to the way2go card and them filed a claim and also made a police report to the XXXX XXXX XXXX XXXX XXXX. I followed up several times with the way2go fraud department to make sure they received all info I sent in and was told yes and then around XX/XX/XXXX XXXX was told it was denied due to them not getting the police report and proof of incarceration papers I sent and to resubmit to possibly reopen case and then was told that was also denied. They made the mistake by not giving me the info that they didn't receive my police report and proof of incarceration papers when I was told they did so the investigation was missing important documents made to do a proper investigation I lost {$2800.00} and my weeks were claimed the proof was I was in jail and the person paid personal bills with the card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am in a debt relief program, both chase and XXXX, are repeatedly calling me when they have been informed by the company " XXXX XXXX XXXX  '' through which I am settling my debt that I am in a debt relief program. I feel as though the repeated calls and emails are unnecessary and borderline abusive. So I'm short my problem is that CHASE and XXXX will not stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
I deposited crypto and it was never credited to my account. I emailed them every day asking what happened to my deposit and they only respond by saying it's under " maintenance ''. After a week, I'm convinced they simply just stole my crypto assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX -open XXXX XXXX XXXX Balance Owed : {$470.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$61.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXL XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX Balance Owed : {$640.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citi XXXX Checking and Savings account on XX/XX/XXXX on the Citibank website because of a promotion offered by their website. The offer was to earn {$700.00} bonus if XXXX is deposited within XXXX days of opening the account and maintained for a minimum of XXXX  days. The bonus of {$700.00} would then be paid within XXXX days of that XXXX day from the initial deposit. The XXXX day would have been XX/XX/XXXX according to the first time i spoke with Citi customer support. {$50000.00} was deposited by XX/XX/XXXX and is still in the account today XX/XX/XXXX with no bonus paid. 
I contacted support again on XX/XX/XXXX via their app chat and they confirmed I qualified for the bonus and would receive it in the first week of XXXX. No bonus received, no contact from Citi. 
I called them on XX/XX/XXXX and spoke with a representative regarding my issue and she explained that she would open a ticket, but was unable to provide me with an ETA on the bonus and advised that I would be contacted within XXXX days. No ticket was opened. 
I contacted support again on XX/XX/XXXX via App chat and they confirmed I should have received the bonus by XX/XX/XXXX. He opened a ticket for me and provided follow up. 
Today XX/XX/XXXX, I received a notice from Citibank that I do not qualify for the bonus because the promo code linked to my account was for a promo period ending XX/XX/XXXX ... somehow XXXX months before I opened the account on Citi 's website.

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 2021-11-24 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: VA

Complaint narrative:
My coinbase account got hack and it took me XXXX and XXXX to get ahold of coinbase. It was so hard to figure how to lock my account. I lost {$18000.00} it was transfer to XXXX XXXX XXXX some where on the west coast. The last digit of the account is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI

Complaint narrative:
I never heard of these places on my credit report I'm victim of fraud!!!!!!!!! Ive never applied for anything in my life and far as medical bill Im on government side I really need help people are using my name so much I can't prove my own self .....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I live in California, Pacific time. I tried to make a payment to my Amazon Credit card on the due date, XX/XX/XXXX. I was online at XXXXXXXX XXXX Pacific time and Amazon Credit Card ( outsourced to Synchrony ) wouldn't accept my payment. I called Synchrony and they count due date in Eastern time Zone! So I was told that I was going to get a late fee because I made my payment on the due date but not Eastern Time. I lodge this complaint because I believe this is a scheme by Synchrony to collect late fees. I know that technology is available to accommodate the different time zones, so Synchrony should stop gouging customers who aren't in Eastern standard time.

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 2021-11-24 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: TX

Complaint narrative:
I have been disputing inaccurate information on my credit report for a little over a year now & the company who is reporting that I have a charge off is reporting inaccurate information so I know for a fact that the bureaus are continuing to leave this charge off on my credit without properly investigating this issue. XXXX XXXX Bank is the creditor & has not provided me with any information or documentation showing that the account does in fact belong to me, if unable to provide concrete proof then they are supposed to delete this information from my file. The burden of proof is actually on them to prove it, not me

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 2021-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX XXXX, XXXX, Bank of America, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX specifically and aforethought intentionally told me that I had overdraft protection on my XXXX ( XXXX ) credit cards. " You will not have any more problems with overdraft protection! '' I am prepared to testify under oath to this in a court of law. 

Now I learned that the Bank of America has not honored the aforementioned over-draft protections and so has charged me XXXX ( XXXX ) overdraft frees of {$35.00} each which is having a snowball effect on my checking account. 

In short, he lied to me!

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