vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I open a complaint on XX/XX/XXXX one day the next day your office closed it out saying that this is a duplicate complaint it is not this complaint is in reply to their response Each time they keep lying to your office and keep pushing the dates back. Enclose you will see what they have been doing to me and cheating me for years. First of all in XXXX I refinance with this Company around XXXX} they gave be a credit line of {$100000.00} I took out XXXX and that was it This was a Home Equity loan than about five years ago they changed it to a mortgage.. Now after Ten years they have my balance the same amount. I never used all of the loan but if you look at the statement from last mouth you will see what I talking about for years I've paid in XXXX I paid XXXX dollars because they took my mortgage money and said that they paid my taxes. I put in a complaint then but they wrote to your office and was lying but the case was closed The next thing on going since XXXX I over paid them because I had used my second bank account in error once I found out what I did I paid them before the 15th of the month they cashed that check on that day and that's was the same day and date the cancel check came to me. It took months before they gave me credit for that month but then they tried to say I did not pay in XXXX. I had to show proof then for over a year up to this day they say I did not pay XX/XX/XXXX, Now they saying XXXX XXXX it was last and put everything behind. I'm enclosing bank statements from XX/XX/XXXX to XX/XX/XXXX your office have on file from XX/XX/XXXX up until XX/XX/XXXX. I have dealt with three Chairman of the Board Secretary since XXXX All of them lie but the worse is XXXX XXXX XXXX I told her that I no longer wanted to speak with her because from her mouth she said that she was not over anyone and they was all lateral to her. I told her that I wanted to speak with her supervisor, she then hung up on me. She called me a week later after I had called her and left a message on a Saturday about someone calling me back and her hanging up on me. When she did call she acted like nothing happen and said the phone must have lost signal. .I told her again I wanted to speak with her supervisor because she was a liar and I had no faith in her or her ability. She hung up I never received a call from her supervisor the next then I knew Calling CFPB that she wrote up a lie and the case was closed again. this is a big cover-up that will be reveal to the Nation and how this office treat minorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: CO

Complaint narrative:
Hello, I'm contacting this federal agency because what I believe to be mismanagement and lackthereof control of private keys regarding digital asset securities known as 'cryptocurrency transfer accounts '. There was a mismanagement of my personal property of XXXX Hex ( non-security similar to bitcoin ) ; a Erc-20 token on the Ethereum network. Kraken blatantly withheld my funds amounting to roughly XXXX USD at the time of XX/XX/2021. The Hex they have withheld from me is now worth {$8100.00} USD and growing. Kraken is a cryptocurrency exchange ( Owned by Payward Ventures Inc. ). The SEC and FinCEN have stated that digital asset security exchanges that handle virtual currency like bitcoin must be able to prove and provide full control and responsible management of private keys and wallets while transferring and handling of private funds. I sent a ERC-20 token to my Kraken ethereum wallet address that they provided me on my kraken account on 'XXXX ' around XXXX, XX/XX/2021. I have a confirmation transaction address on Ethereum to confirm that the funds were deposited in the eth address kraken assigned me at that time. I was unable to access the funds after being locked out of my kraken account. Soon after, I opened up a support ticket asking Kraken support for a reversal or migration of my XXXX  ERC-20 token funds and to unlock my account. I wanted my XXXX erc-20 tokens to be transferred to my personal eth address instead of the kraken address they provided me. Kraken support told me to fill out a service ticket to send to the Kraken support team for further review around XXXX ( MT ), XX/XX/2021. XXXX from Kraken support followed up on a confirmation of receipt of ticket at XXXX, XX/XX/2021. He said their team was reviewing my case and will get back to me. On XX/XX/XXXX, around XXXX ( MT ) XXXX ( Kraken support ) stated Kraken could not use the private keys to the Ethereum address to send my funds back to me and closed my ticket # XXXX. I went to their kraken  XXXX support page to see if anyone had the same issue, and many users are having the same problem. Some have been waiting months or even years to get a response back from Kraken. I'm in communication with 12 other individuals on a private forum that have had the same situation and their erc-20 tokens withheld from them with the same robotic response.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Google Compare Credit Cards Inc.
State: IN

Complaint narrative:
This complaint refers to the " Spring Challenge '' offered by Google Pay in XX/XX/2021. 

I participated in the Spring Challenge and earned 4 of the 5 reward stamps that were required to earn the {$30.00} reward offered. To earn the fifth " fox '' stamp, I made a valid transaction using Google Pay 's reward-sponsoring merchants ( specifically : XXXX ) using a credit card linked at the time to my Google Pay account with reward tracking enabled. However, Google never tracked the purchase and never awarded me my Fox stamp, despite contacting their customer support and providing screenshot evidence of the purchases being made in accordance with the terms ( curiously, the email agent asked for the screenshots, thanked me upon receipt, and then promptly ghosted me ). As such, I made purchases in anticipation of a promised reward that was then withheld from me.

I have screenshots of ( 1 ) my purchase, ( 2 ) the promotion terms, and ( 3 ) the Google customer service thread in which I submitted documentation as requested and was ghosted. In short, Google is using their good name in technology to scam their customers with this new payment product. It is unacceptable and infuriating to do this to customers, even for small amounts of money such as {$30.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: AZ

Complaint narrative:
I submitted to Experian my dispute of the below account not being mine. I requested it to be investigated and no action has been taken. I have submitted two letters requesting status of investigate. My original letter was sent XXXX, XXXX 2021. With no response. 

These are not mine and i am requesting removal of these listed accounts XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # 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 2021-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FEDChex Recovery, LLC
State: TX

Complaint narrative:
the tire on a car rental i made with XXXX XXXX went out. The tire was actually low as they rented it out to me with a low tire warning. After renting the vehicle for several weeks, and finally for the last time, the tire blew out and left me stranded at a gas station. I believe an XXXX. I called XXXX and although they said they were on the way with a tow, they left me stranded for three hours in the dark. After it was past time to return the vehicle i was instructed by XXXX agents to leave the keys in the vehicle and they will have the tow driver pick it up. Coincidentally the vehicle came up missing after i caught an XXXX home. Not only did they say they would pay for my XXXX, but they lied to the police and told them that i was responsible for the missing vehicle. The company did their investigation and found no ties to me " stealing '' a vehicle that my drivers license was tied to, and I even talked to the owner of the vehicle named XXXX that night who said he would go and pick the car up. Eventually i received a notification that XXXX was taking responsibility for the missing vehicle. Months after I began receiving a string of credit collection emails holding me responsible for the missing vehicle. They have harrased me now for almost two years and this situation has me frustrated because i strained my neck when the tired blew out. The fact that they left me stranded that night and then began to accuse me of the vehicle being missing after i had purchased my own vehicle felt discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 30 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 50 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file for litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: TX

Complaint narrative:
I am disputing Bankruptcy XXXX on my Equifax credit report. On XX/XX/XXXX Equifax has stated that they were able to verify that the Bankruptcy is being reported correctly via XXXX. I have multiple letters from XXXX dated XX/XX/XXXX and XX/XX/XXXX stating that XXXX could not verify Bankruptcy XXXX and that they are no longer reporting Bankruptcy XXXX. How can Equifax verify the Bankruptcy using XXXX as their source when XXXX has no record of the Bankruptcy. I have attached documents from XX/XX/XXXX and XX/XX/XXXX that prove XXXX DID NOT verify Bankruptcy XXXX with Equifax and has even attempted to contact Equifax to have the Bankruptcy removed from my credit report. 

By continuing to report Bankruptcy XXXX on my credit report Equifax is violating the Fair Credit Reporting Act and can be fined up to {XXXX} per occurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NEW IMAGITAS, INC
State: CA

Complaint narrative:
I can not comprehend why you are not doing your job of enforcement. XXXX is advertising on XXXX a 1.88 % APR without a credit score and without knowing whether its a purchase or refinance. This is pure baloney. Todays date is XX/XX/2021. No way that they can advertise 15 year fixed at XXXX APR for everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MA

Complaint narrative:
HI ERC/ XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: DC

Complaint narrative:
Last year when the pandemic start I was going through some financial issues job related but I still kept my payments up to date. Months later I received a notice from the credit bureau saying that I was 30 days late on my credit card payment which I found impossible at the time. I tried to contact XXXX XXXX without any success and still this 30-day late notice is a huge negative placement on my record. 

Although the reporting is current and positive at this time, the issue is that I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have never given any credit bureau or consumer reporting agency my written permission to report to them. I sent out letters back in XXXX to XXXX, Transunion, and XXXX requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.

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 2021-06-11 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: DC

Complaint narrative:
Last year when the pandemic start I was going through some financial issues job related but I still kept my payments up to date. Months later I received a notice from the credit bureau saying that I was 30 days late on my credit card payment which I found impossible at the time. I tried to contact XXXX XXXX without any success and still this 30-day late notice is a huge negative placement on my record. 

Although the reporting is current and positive at this time, the issue is that I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have never given any credit bureau or consumer reporting agency my written permission to report to them. I sent out letters back in XXXX to Equifax, XXXX XXXX XXXX requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: DC

Complaint narrative:
Last year when the pandemic start I was going through some financial issues job related but I still kept my payments up to date. Months later I received a notice from the credit bureau saying that I was 30 days late on my credit card payment which I found impossible at the time. I tried to contact XXXX XXXX  without any success and still this 30-day late notice is a huge negative placement on my record.

Although the reporting is current and positive at this time, the issue is that I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have never given any credit bureau or consumer reporting agency my written permission to report to them. I sent out letters back in XXXX to XXXX XXXX, and Experian requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.

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 2021-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
hi JPMCB AUTO ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX  for code of ethics violations.

Company response to consumer: Closed with explanation