vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-02 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2021, I sent a letter to formally make a complaint about my incomplete and inaccurate credit information. As I know, It violates the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), and thus I wanted to have it investigated. I also demanded that they provide verifiable proof that has my actual signature in it. Additional information regarding this will be uploaded and I hope that this issue will be taken care of.

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 2021-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
Coinbase has taken money out of my bank account, which was authorized. However, they have now locked me out of my account where I can not access anything. I can not buy sell or trade my virtual currency. That is theft. In any other forum, that would be known as a scam. My emails are now going unanswered, and there is no live person to speak to. All I want or desire is for my account to be unlocked so I can withdraw the money I have in there.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-02 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: CITIBANK, N.A.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft CBNA/XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft CB/XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft CBNA Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft XXXX MACYS Account XXXX : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine.

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 2021-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
We emailed Gemini on May XXXX XXXX  XXXX, and XXXX with no reply. We deposited {$500.00} with them and they withdraw from our bank account on XX/XX/XXXX. We want to withdraw from them and they do not reply on how through email nor have they verified our account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I paid my loan payment sooner and called to cancel the reoccurring payment for XX/XX/21 agent refused.. The agent XXXX was rude would not listen to my request and spoke over me, refused to transfer me to a supervisor after 6 or more request she gets me a supervisor and tells me I have to act professional to speak with a supervisor. She also asked me twice why I wanted a supervisor. I advised her both times because she is rude and not listening to me. I have been with acima for some time now and has never received this kind of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: MS

Complaint narrative:
Within the past 30 days, I started receiving robocalls from Frost Arnett. I didn't answer the calls because my XXXX call filter app marked the incoming calls as a robocaller and potential scam. There were never any voicemails left to indicate who was calling and what business they had with me. I also blocked each call as it came in, but the calls were always from a different number to evade the blocks. 

At this point, the robocalls were coming in regularly so I reverse XXXX searched the numbers and it came back as Frost Arnett. So I called them to find out why they were calling and I was told I owed money to XXXX XXXX. I had been paying according to an agreed-upon payment plan on their website since I got the first bill. I was never late or short on any of the payments. 

At the time Frost Arnett contacted me, the debt was down to {$30.00} something dollars. I told the agent I was paying on the XXXXXXXX XXXX  website and would continue to do so. I had received nothing in the mail from Frost Arnett at that point, and the agent recited my correct and current mailing address. After getting off the phone with the agent, I immediately went to the XXXXXXXX XXXX website and paid off the balance. There was no indication on the billing website that the account was late, in arrears or placed with collection. I had also never received any mail from the XXXX XXXX office reflecting a negative account status. I had been paying as agreed, then the sudden robocalls began. 

Today, on XX/XX/XXXX, I received yet another robocall from Frost Arnett, again from a brand new number to evade the blocks. I told the agent I paid the debt and it was paid directly to the XXXX. The agent said it could take 30 days for something to update in their system to reflect that. The agent then attempted to get my place of employment and email address after she was told the debt was paid. 

At this point, I do not believe Frost Arnett is going to cease robocalls and other collection attempts, though they have been notified the debt is paid. They have a multitude of negative reviews online, outlining shady and criminal collection practices just as I have unfortunately experienced here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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:
XX/XX/2021 XXXX  credit card bank report balance to equifax  that is not true. There has not been a balance on my account since XXXX this is false reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tate and Kirlin Assoc
State: MN

Complaint narrative:
Received a letter dated XXXX XXXX2021 Stated I had been turned over to debt collection for {$110.00} Never heard of XXXX XXXX and certainly do no owe them anything Search for TATE & KIRLIN ASSOCIATES INC. online and the {$110.00} amount is all over the internet claiming they are trying to scam people out of money for a debt they never owed. 

No One Has Time To Deal With These Idiots Please Arrest Them Now And Put Them In Jail!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: WY

Complaint narrative:
XX/XX/2021 XXXX was removed from my checking account from money loin- I didnt authorize this transaction. I called my bank to get the money reversed they where unable to return but gave me the transaction info regarding money lion. I have reached out to money lion twice a week for a month saying that they cant find the ticket that was created and forwarded to the fraud department- they said someone would contact me in 4 business days its been a month and no one has reached out to me and I have called them twice a week for a month with several people telling me there is no ticket to support my fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC
State: SC

Complaint narrative:
Ive been seeking validation for the derogatory item reported to my credit report since XX/XX/2021 and the debt collector has failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the 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 explanation
Consumer complaint received 2021-06-02 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: NC

Complaint narrative:
As of XX/XX/XXXX, we have received credit alerts and mail ( via USPS ) indicating that Equifax has again reduced our credit rating by almost 200 points as a result of a report from XXXX XXXX XXXX. The report, if truly filed by XXXX, is not true. Also, we can not resolve the dispute with Equifax as their document upload function is not working and we can not get a response via their phone number given on the letter. 
I am attaching the letter from Equifax, a snapshot of the XXXX  XXXX XXXX account page showing the car loan was completely paid off ( and paid off early ) in XX/XX/XXXX, refunded to XXXX  XXXX XXXX in early XXXX, disputed with XXXX and XXXX  XXXX XXXX for weeks, and finally resolved with another payment from us in XX/XX/XXXX. We filed complaints with both XXXX and XXXX  XXXX XXXX, and wtih the CFPB, about their behavior in the original payoff nightmare. NOW, we are filing a complaint against Equifax for, once again, reducing our credit score for a false report, whether it originated at XXXX or not, we can not determine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: ND

Complaint narrative:
Chase closed my accounts and did not inform me specifically why.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: MI

Complaint narrative:
I have contacted the Bureaus Transunion XXXX, and XXXX, I have received confirmation from the US Bankruptcy Court Stating they did not furnish my personal information to the reporting agency. I demand to have this Bankruptcy removed from my profile as it is in violation of my rights and they have obtained my information without my consent from public records.

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 2021-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I went into a Bank of America branch in XXXX XXXX, SC on Tuesday, XX/XX/XXXX, in attempt to open up a checking account and minor savings account. I was informed then that there were an outstanding balance owed, but was still allowed to proceed with the account opening, with the hopes of resolving the issue ( s ) at hand with the debts owed. I contacted the Recovery Department and spoke with a representative, and asked about the debt owed because I wasnt aware of it. She then proceeded to inform me that there were two accounts owed monies for, one being in XXXX XXXX 13 years old ) and the other being XXXX ( 7 years old ). I explained that the account in XXXX was opened at a young age and under misleading and misguided information, and the one opened in XXXX I wasnt aware that a debt was owed on it. I asked if those balances could be written off being that they were/are so old, she told me, I then asked for a manager who was very rude, and wasn't helpful at all. So, I called back today speaking with another manager. I asked the same if the balances could be written off or a settlement could be offered, and again was told no. Im not understanding the reasons behind with getting these two balances written off, as I was advised by the branch manager at the branch that I visited that thats something Bank of America could do and being told No by two others are misleading and misguiding. I would love to bank with BOA again, however ; I think I should be able to get those balances written off and/or offered a settlement being that they are well past statue of limitations.

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 2021-06-02 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: GA

Complaint narrative:
I have inaccurate reporting of collection accounts on my credit report. I have been on this journey to update my credit report as of XX/XX/2021. I have sent several letters to XXXX  and Equifax to delete this information. As of XX/XX/2021 XXXX  has deleted these collections from my report. I am requesting that XXXX  and Equifax follow suit. Attached is a copy of my XXXX  report. Thank you in advance for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: ND

Complaint narrative:
They closed my Cards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: VA

Complaint narrative:
On XX/XX/2021, I sent a letter to formally make a complaint about my incomplete and inaccurate credit information. As I know, It violates the Fair Credit Reporting Act, Section609 ( a ) ( 1 ) ( A ), and thus I wanted to have it investigated. I also demanded that they provide verifiable proof that has my actual signature in it. Additional information regarding this will be uploaded and I hope that this issue will be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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 communicated online with representative several times, to also include mutiple times I have attempted to dispute online. The last attempt was on today XX/XX/XXXX. 
I filed for bankrupty back in XXXX and 10 of the creditors that were included are now getting special attention on 3 different areas of my credit report. This is indicative of how only EXPERIAN does this to negatively impact consumers. XXXX  and XXXX  report are in order, listed properly. 
The 3 different areas are under Revolving Account ( which were closed and included in BK ) Summary of Accounts noted in BIG RED LETTERS " POTENTIALLY NEGATIVE '' on 10 closed accounts.

Then again Experian has these same closed accounts included in Bankruptcy listed un Chapter XXXX discharge. 
All I am asking is why does Experian have these accounts waving the red flag with Potentially Negative attached to each account. I am being heavly impacted twice, by individial listed separate accounts, then again these same account fall under Chapter XXXX discharge. 
Everytime I attempt to call I get either hung up on, have Rude and Nasty reps that wan na talk condesending to consumers and when they dont like it they just hang up.

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 2021-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was reported to XXXX  by Bank of America on XX/XX/2017 for check fraud. What happened is that a check I deposited was given to be during a sale of a keyboard on XXXX was reported as fraudulent. I had nothing to do with it and did not know the check was fraudulent. The check was for {$500.00} and the {$500.00} was removed from my account when it was reported. I never took any money. Since then I have not been able to open a checking account and have been working around it until now. I have no way to deposit checks and I finally know who to contact.

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 2021-06-02 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: CA

Complaint narrative:
I have filed disputes regarding XXXX XXXX XXXX and provided proof that they have been reporting an account that does not belong to me. They have now started to call me and attempt to collect the debt even with out providing proof or even investigating. I've had this dispute open since XX/XX/2020 and this has not been removed. I have had numerous problems due to XXXX XXXX data breach and they are not helpful at all in resolving issues. I'm trying to buy a home for my family but can not because they wont do what is required under the FCRA. I've written letters and called and there is no way to reach a person.

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 2021-06-02 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: CA

Complaint narrative:
I have filed disputes regarding XXXX XXXX XXXX and provided proof that they have been reporting an account that does not belong to me. They have now started to call me and attempt to collect the debt even with out providing proof or even investigating. I've had this dispute open since XX/XX/2020 and this has not been removed. I have had numerous problems due to XXXX XXXX data breach and they are not helpful at all in resolving issues. I'm trying to buy a home for my family but can not because they wont do what is required under the FCRA. I've written letters and called and there is no way to reach a person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: CA

Complaint narrative:
I have filed disputes regarding XXXX XXXX XXXX and provided proof that they have been reporting an account that does not belong to me. They have now started to call me and attempt to collect the debt even with out providing proof or even investigating. I've had this dispute open since XX/XX/2020 and this has not been removed. I have had numerous problems due to Experian 's data breach and they are not helpful at all in resolving issues. I'm trying to buy a home for my family but can not because they wont do what is required under the FCRA. I've written letters and called and there is no way to reach a person.

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 2021-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
These nameless/faceless XXXX, apparently with 100 different corporate names/addresses on XXXX XXXX to avoid liability ) received a credit card chargeback from a former client for {$2000.00} on or about XX/XX/2021 but unlike 100 % of every single merchant service company that we have used in the last 20 years of our XXXX XXXX XXXX, these XXXX  did not either email or fax us the chargeback notice but simply sent it to us via US Mail XXXX pony express ). So of course, we never knew about the chargeback, never responded to it because we never knew about it & now today received it in the snail mail & will now respond to it, but we only have a few days to respond to it. To make matters worse, these thieves stole the duly earned {$2000.00} right out of our XXXX Checking Bank Account & even XXXX XXXX, the XXXX aiders & abettors, did not notify us, either. Please investigate & advise & ensure that this never happens, again, maybe by having these XXXX fax or email us chargebacks, instead of mailing them ( maybe 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