vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
hi XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX 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 XXXX 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 XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis 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 XXXX 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 homeless n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/21 I tried to transfer My XXXX coin valued at XXXX and was denied transfer I tried XXXX more times and price kept dropping and was denied as wellcalled customer service they said it was a glitch and nothing they can do about it now the whole community of XXXX XXXX owners are locked out of our accounts on Coinbase saying that they are having technical issues and trying to resolve the problemCant get a hold of anyone on the phone from customer support XXXX hour hold and no answers today is XX/XX/21 this problem has been going on since they released XXXX for purchase

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-21 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. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: AR

Complaint narrative:
I started asking for reinvestigation on accounts in XX/XX/XXXX and I received a letter on XX/XX/XXXX that XXXX of the accounts that I told was not my accounts was deleted. I spoke with a consumer law professor and he told me to send it again and i did but nothing changed. I have been reporting these same accounts since XXXX and it is now XX/XX/XXXX and they are still reporting the accounts. I also filed an identity theft report with the FTC and also sent the XXXX a signed FTC report which was notarized and mailed first class mail, certified return receipt. The company then sent me a letter saying that I need a police report but XXXX XXXX ( A ) states provide FTC Identity XXXX Report, Identification, and confirmation from the consumer that said accounts resulted from identity theft and that one doesn't assume or accept responsibility. So now it's clear that they are continuously violating my consumer rights. In XXXX they sent a letter that said that they would not reinvestigate the alleged accounts again for me after they still have not sent me a copy of the information used to verify me The Consumer, natural breathing person, and Original Creditor. That alone makes no sense, being that they need to talk to me to verify any credit that I granted as the Original Credit. They are not abiding by the laws that are hear to protect me, the consumer

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 2021-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV Funding Corporate Service Company XXXX XXXX XXXX, XXXX XXXX, SC, XXXX To : The XXXX XXXX XXXX XXXX for LVNV Funding From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX Bank XXXX, or any other corporation, is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Hello, I have a major complaint/issue that I need help resolving. I will start from the very beginning. 

My dad passed away last XXXX ( 2021 ). His life insurance policy paid him out {$190000.00}. My mom was the beneficiary. My mom gave me {$70000.00}. I put {$40000.00} into the Citibank savings account. I then added {$8000.00} from my personal checking with XXXX. Then I added {$5000.00} from the same account. Well, when I added the {$5000.00} from XXXX, that was the week they changed over to XXXX bank. So account numbers changed. The deposit was denied. I wasn't sure if that was the reason why the transaction was denied, but that's the only logical reason I can think of. But something odd occured, the money got put back into my XXXX account, as it should, but my balance in my Citibank account reflected that the {$5000.00} was in fact deposited. I figured after a few days it would get deducted, as it should. It stayed there for about XXXX weeks. This was clearly a bank error. Then this week, they sent me a letter in the mail saying that my account is being closed due to fraudulent activity with the mention of the {$5000.00} deposit that was denied. That was the only thing mentioned. My account has been blocked for about XXXX days and I have no access to my money. 

I have spent hours and hours on hold with citibank, and transferred around with different people because nobody has any idea what they are talking about. Nobody could tell me why my account was flagged for " fraudulent activity ''. 

I finally got to talk to someone yesterday who gave me some information. He didn't tell me the reason it was being flagged, but he did tell me this. 

My money has been transferred to the federal government because it has been determined by the fraud department at Citibank that the money is not mine. My money isn't even with Citibank anymore, it is with the federal government apparently. 

Nobody has contacted me to get more information, or proof that it is my money. Nobody has investigated. They just snatched the money out of my account with no explanation. 
I have spoken to numerous people from citibank and nobody can point me in the right direction, they just told me to hire a lawyer. I filed a police report in XXXX XXXX, Michigan, a complaint to the FDIC, and a complaint to the comptroller of the currency. 

I have the XXXX XXXX of where the money came from and how it is most definitely my money. Please help me get my {$48000.00} back. 

Thank you, 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 monetary relief
Consumer complaint received 2021-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: TX

Complaint narrative:
I tried reaching out to the company and they said they did update the XXXX bureaus but still showing all XXXX fed loans open when they were paid in full. I do have the letter dated XX/XX/XXXX th 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion 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 still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Owed : {$780.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX  XXXX Balance Owed : {$3500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$750.00}

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 2021-11-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX there were XXXX fraudulent ACH transactions from my Chase savings account for a total amount of {$14000.00}. I did not receive any notifications from Chase about these events so I noticed it only a few weeks later. On XX/XX/XXXX I filed the claim stating that I have nothing to do with the business that pulled my money from my savings account and I never authorized these transactions. On XX/XX/XXXX Chase mysavingsaccount was credited with the full amount. On XX/XX/XXXX the decisionwas reversed and my savings account was debited with {$14000.00}. Chase unilaterally decided that I cooperated with the criminals and did not return my money. I spoke to the Claim department, and the customer service representatives XXXX times for XXXX hours total. Chase refused to explain why the decision was to not to give me my money back. Every conversation with Chase resulted in their recommendation to call the company that pulled my money from my savings account and ask them to return it. Case failed to perform it's part of our contract and recommended me to call the thief as a solution! I am devastated. I can't sleep, can't focus, can't work, I cry all the time. How after 18 years of being a Chase customer I was betrayed like that? As a measure to prevent further fraudulent activity Chase closed my old savings account and opened a new one on XX/XX/XXXX. Now all statements, letters, documents including the claim that I filled up are not available for me to view and print out as the old savings account disappeared from my Chase online profile. Chase refused to provide copies of any documents except transaction history that shows fraudulent ACH transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion is knowingly reporting incorrect and incomplete information on my consumer report. I have sent them a letter explaining their error, but they sent me a generic response letter stating the account was " verified ''. There are XXXX different balances being reported on an account. According to FCRA Section XXXX ( a ) ( XXXX ) ( A ), data furnishers have the responsibility to report accurate information. Not complying with the FCRA can subject your company to statutory damages of $ XXXX {$1000.00} per violation pursuant to XXXX XXXX XXXX ( XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The company PORTFOLIO RECOVERY at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX has reported an account that's past due in the amount of {$1200.00} on my consumer report. I do not know this company, I have never done business with this company and have never had a signed contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian I Checked my credit report and saw multiple fraudulent inquiries on my account and they are : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I have filed a police report, and a identity theft affidavit and got it notarized! REMOVE THESE FRAUDULENT INQUIRIES IMMEDIATELY!

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 2021-11-21 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: AR

Complaint narrative:
I started asking for reinvestigation on accounts in XX/XX/XXXX. I spoke with a consumer law professor and he told me to send it again and i did but nothing changed. I have been reporting these same accounts since XXXX and it is now XX/XX/XXXX and they are still reporting the accounts. I also filed an identity theft report with the FTC and also sent the XXXX a signed FTC report which was notarized and mailed first class mail, certified return receipt. The company then sent me a letter saying that I need a police report but XXXX XXXX ( A ) states provide FTC Identity Theft Report, Identification, and confirmation from the consumer that said accounts resulted from identity theft and that one doesn't assume or accept responsibility. So now it's clear that they are continuously violating my consumer rights. In XXXX they sent a letter that said that they couldn't verify my identity and asked for the same identification that was sent and the next day I received a letter and email telling me that they verified the accounts. So you verified the accounts after you stated you couldn't verify me, The Consumer, natural breathing person, and Original Creditor? That alone makes no sense.

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 2021-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
On XXXX I received an email that Paypal has permanently restricted my account with no explanation or reason for restricting. I've used this account for personal purchases and family transfers and they can not state why it was restricted with money still in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I receive citi bank promotion on XX/XX/2021, they said if I opening a interest check account before XX/XX/2021 and deposit {$50000.00} within 30 days after opening the account, and maintain 60 days, I can receive {$700.00} bonus. 

So I opening a interest checking account on XXXX and deposit over {$50000.00} on XX/XX/2021, maintain the amount until today XXXX, 2021, they do not give me the {$700.00} bonus. 

On XX/XX/XXXX, XXXX chat with one of citi agent and ask when I can get the bonus, he checked and said I should get the {$700.00} no late than XX/XX/2021. 

So I wait until today there is no bonus deposit to my account, I chat with another agent today, she checked and told me I should call citi one stop sales unit phone number XXXX. 

After I call them, one lady she checked and told me I am not qualified for the {$700.00} bonus because I didn't make fund deposit with 30 days. 
The fact is I did what they required, and other agent already told me to wait until XX/XX/2021 to receive the bonus, now she just simply told me I am not qualified.

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 2021-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
My name is XXXX XXXX and I have a checking account with Citi bank they have a freeze on my account and will not let me access my funds because they said there is suspicious activity. They said they can't verify my phone number and it isn't under my name. I have given them XXXX phone number that is mine and only in my name and another which I have used for more than 10 years which is under my sister 's. She called and had my number caller id to show my name with her provider. They also said they would send me a letter via the USPS to verify my identity I would receive it in XXXX business days. That was on XX/XX/2021. I called last week as I had not received the letter they stated they mailed out another letter. I called today XX/XX/XXXX and was told that the letter was not sent to the address I opened my account with but to the address provided to them by the company that they use to verify identies. I have offered to send them a copy of my driver 's license, social Security card, birth certificate, voter registration card, they can call social security where my deposit comes from. They can call the wireless provider where I have my phone account through as well as call another bank that I have a checking account through. They said the only way they can verify my account is to wait for the letter in the USPS which is not coming to my current address. I have lost my storage as well as not being able to get my XXXX medicine due to this. I don't know where to go from here.

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 2021-11-21 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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Account that is still reporting on my Credit Reports and need to delete completely from my Credit Report : ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00}

Company response to consumer: Closed with explanation