vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for American Express XXXX XXXX card in XX/XX/2021. The welcome offer was XXXX  XXXX points if I spend XXXX dollars in the first three months. I finished this task but I did not receive the points. 

1. In late XX/XX/2021, I called American Express asking them to start an investigation. They said they had told me I was not eligible for the welcome offer when I opened the account. BUT IT'S NOT TRUE. I was NEVER told I was not eligible when I submitted my application. I requested them to provide any proof to support their reasonings, and they have not been able to do so. 

2. I asked them why I was not eligible, and they told me because I had already got an American Express Gold card. They also said the current terms stay the same that if you are a current customer, they can not provide the rewards points. IT'S NOT TRUE EITHER. The current terms say you are not eligible if and only if you hold the exactly same card ( In this case, the Amex XXXX XXXX card ) in the past. I never hold an Amex XXXX XXXX card before. 

3. I called Amex again in XXXX and filed a new request for investigation, and the case # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: CO

Complaint narrative:
Hunter Warfield has violated the FDCPA ( Fair Debt Collection Practice Act ) by commenting on unfair practices which is a direct violation with laws put in place by congress and you are violating the law here to protect consumers. According to 15 U.S. Code 1692f : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 


They have been reporting alleged account on my credit reports which include interest and fees. Hunter Warfield Has violated the FDCPA along with my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: TN

Complaint narrative:
I have had an ongoing issue with Equifax that involves my identity being stolen. I submitted the requested documents but they don't do anything to resolve my issue. There is an inquiry from XXXX XXXX that does not belong to me & I did not do. I have begged and sent appropriate documentation to have this deleted yet it still remains on my report. I am asking again please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: MA

Complaint narrative:
I FILED A COMPLAINT WITH XXXX AGAINST XXXX XXXX  AND THEY REMOVED ALL CHARGE OFF FROM MY REPORT EQUIFAX IS STILL REPORTING INFORMATION THAT WAS DELETED AS CURRENT ON TIME PAYMENTS Requesting MONETARY RELIEF DUE TO INACCURATE REPORTING OF INFORMATION ACCOUNT NUMBER : XXXX 15 USC 1640 CIVIL LIABILITY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: TX

Complaint narrative:
I have mailed in the correct id documents and nothing got fixed, so I am attaching my social security card and driver 's license here for Equifax, XXXX XXXX, and XXXX to remove all incorrect addresses off of my credit report. The only address that should be on my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Please remove all other addresses, or just keep the one on my driver 's license if you must, but remove all other addresses which are INCORRECT and I never lived at the other places. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
XX/XX/XXXX - filed for forbearance with PNC as I was not sure what my employment future looked like after pandemic outbreak. Never received a statement during or when the forbearance ended as to what I owed compared to what I had payed. Then XX/XX/XXXX, I started getting notices in the mail that my account was in the rears and owed more than I could pay. However any extra that I tried to send was sent back, but then I would get another bill in the mail stating that I owed more than the normal payment. In the meantime, they wrecked my credit rating so that I can't even shop for another loan servicing agency. Up till I asked for forbearance, I had no issues with this company and I've had a mortgage with them since XXXX. In my opinion now, they are crooks and punish those who need help. After my financial responsibility with them is over, I will never do business with them again and I will tell my family and friends not to do business with them as they are too big to care about the little guy. 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST FINANCIAL BANCORP
State: IN

Complaint narrative:
I had signed up for an account that would prevent overdraft fees and first financial bank charged me on the XXXX for overdraft and then cause my account was overdraft XXXX they charged me even more

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 2021-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have mailed in the correct id documents and nothing got fixed, so I am attaching my social security card and driver 's license here for XXXX, Trans Union, and XXXX to remove all incorrect addresses off of my credit report. The only address that should be on my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Please remove all other addresses, or just keep the one on my driver 's license if you must, but remove all other addresses which are INCORRECT and I never lived at the other places. Thanks

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 2021-11-25 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: TX

Complaint narrative:
I have mailed in the correct id documents and nothing got fixed, so I am attaching my social security card and driver 's license here for XXXX, XXXX XXXX, and Experian to remove all incorrect addresses off of my credit report. The only address that should be on my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Please remove all other addresses, or just keep the one on my driver 's license if you must, but remove all other addresses which are INCORRECT and I never lived at the other places. Thanks

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 2021-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Automated Collection Services, Inc.
State: TN

Complaint narrative:
I was reviewing my credit report and noticed that this company has reported that I owe them money. I do not know who this company is and neither have I ever done business with them. I never received any communication from this company prior to placing this on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: PA

Complaint narrative:
There is a unknown account on my credit report under XXXX. I do not have a contract with this company! There is a fraud alert on my credit report that states to contact me before opening account. Please investigate and verify. If you can not validate the above account, I am requesting that you delete them immediately. I appreciate your timely response in this matter.

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 2021-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Outdated information is furnishing on my Experian consumer report. See attachments for more details.

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 2021-11-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: GA

Complaint narrative:
1. Previously, I filed complaints XXXX, XXXX, and XXXX. 

2. Since then, the call back that I was promised several times that I was supposed to receive from a supervisor has not arrived - yet another lie by Klarna. 

3. Also, it has now been nine hours since the Klarna chat wrote that a specialist one be available in " one moment, please. '' Another lie. 

4. I spoke with Klarna agent, who put a hold on the combined Financing Payment for the two XXXX XXXX loans for which Klarna continues to demand payment despite the fact that I have already made the minimum payment. 

5. However, despite the payment hold, the Klarna App is still demanding that I " resolve '' the returned payment, and thus make a payment for {$75.00}. Also, it is stating that I can make no more purchases until the payment is " resolved ''. 

6. Basically, Klarna is attempting to threateningly strong-arm me into making a payment that is not due. Even though there was a returned payment, there was a second payment that went through : one successful payment is sufficient ; the return of the second payment does not cause the necessity to make a second payment. 

7. I am currently on the phone with Klarna agent XXXX ; and supervisors are continuing to refuse to speak with me. She says they will contact me " shortly '', but that's what previous agents have said and I've now been waiting nearly 24 hours total. Other agents said by 6 p.m. and that was a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX, I bought a token called Gyen at the price of XXXX cents on coinbase pro. I bought token for my mother and myself, both trandactions closer to {$1900.00} each. Coinbase halted all the trading. Since it is considered a stablecoin, the price of the token should have had a stable price from the begginning. Many people didnt know this. By default you buy and sale coins on coinbase, a behavior that has becomed automatic and coinbase knows that. Buy low and sale high that is the purpose of trading. When coinbase halted all the trading it caused many customers to recieve loses. Coinbase let trading go on for several days and later stopped the transaction due to unusual activies to later resume, coinbase should have never resume trading to minimize losses to the clients. Coinbase never acted in the best interest of clients but the best interest of themselves. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe coinbase is acting in bad faith and it is trying to set the blame on the users.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Complaint : ( XXXX XXXX XXXX XXXX XXXX XXXX Bank account # XXXXhas violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b. XXXX XXXX, and Equifax , must remove all information  reporting from and relating to ( XXXX XXXX  XXXX ) including third party debt collection accounts associated with ( XXXX XXXX XXXX ) because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Complaint : ( XXXX XXXX  XXXX XXXX XXXX XXXX Bank account # XXXX*has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX XXXX XXXX XXXX XXXX XXXX Bank to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b. Experian, XXXX, and XXXX XXXX must remove all information reporting from and relating to ( XXXX XXXX XXXX ) including third party debt collection accounts associated with ( XXXX XXXX XXXX ) because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b.

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 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Complaint : ( XXXX ) account # XXXX has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX XXXX account # XXXX to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section bXXXX XXXX XXXX XXXX, and Equifax, must remove all information reporting from and relating to ( XXXX  ) account # XXXX including third party debt collection accounts associated with ( XXXX  ) account # XXXX because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Complaint : ( XXXX  ) account # XXXXhas violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX ) account # XXXX to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section bXXXX XXXX XXXX Transunion, and XXXX, must remove all information reporting from and relating to ( XXXX ) account XXXX XXXXincluding third party debt collection accounts associated with ( XXXX ) account XXXX XXXXXXXXbecause the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b.

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 2021-11-26 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 Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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. 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 XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} XXXX XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance Owed : {$300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Owed : {$78.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance Owed : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance Owed : {$170.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}

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