vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-14 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 have attached proof that this account did not belong to me. My husband purchased A vehicle from XXXX XXXX XXXX back in 2018. The loan officer somehow added me to the loan which I was not suppose to be on. XXXX XXXX XXXX was notified and said they fixed the error and completely removed me from the account as it was not my loan nor did I sign or agree to the loan. My husband settled the balance on the account and they closed the account and added the account to my credit file along with his. This year XXXX XXXX XXXX sent A 1099-C ( Cancellation of debt ) to my husband XXXX XXXX and I have attached this as proof that I was not on the loan. XX/XX/XXXX and Equifax have all refused to remove this inaccurate account from my file. The attached 1099-C shows the name and account number which can be confirmed is the exact account that is listed on my report with my name in error. Please have this account completely removed from my credit file as it is not mine and proof of whom the account belonged to is attached with IRS FORM 1099-C.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Bank does not provide access to all check images of checks written from account. Bank displays error to call into to customer service to get information about who check was written to, but when you call in bankers can not see anything either. Unable to access information about my own checks!! bank only able to 'file a claim ' which could take upwards of 10 days.

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 2021-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: MA

Complaint narrative:
I opened an account with Crypto.com and started investing in cryptocurrency. For the first two weeks I was able to purchase and convert crypto with no issues. About two days ago I received a message that said that I made a withdrawal from my account but I never made a transaction to withdrawal any cash as my goal is to invest in the long term. The transaction was made around XXXX XXXX  which raised red flags. The next day I sent an email to Crypto.com explaining the issue and a representative sent an email explaining that they take fraud very seriously. I received another email requesting for me to send a selfie and a piece of paper with the date, my full name and Crypto.com written on the piece of paper which I emailed XX/XX/XXXX. No one has gotten back to me to help me with the situation. I went back into the app to log in and none of my crypto assets were showing on the app. What I was able to see was only the amount I had in the account. I kept on trying but it wasnt working. I started to get a little suspicious and I believe my account is locked as I can not buy crypto or convert my crypto in my account. I have no access to my funds. Ive sent countless of emails and I keep getting an automated response from Crypto.com customer service. The amount in my account is {$1100.00} and the email associated with my account is XXXX. What I want is access to my funds. 

Thank you

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 2021-04-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: UPGRADE, INC.
State: CA

Complaint narrative:
15 USC 1681m- Adverse Action Universal Credit has sent me a letter stating " Your request for a loan was carefully and jointly considered by our lending partners, and we regret that they are unable to approve your application at this time '' in other words I was DENIED. I have read and understood Adverse Action of the FCRA and it never mentions denial of credit. It only mentions being denied for insurance or employment. Why doesn't it mention being denied for credit? Because The term credit means THE RIGHT GRANTED by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. I have the right granted to extend myself credit.

Let 's take a look at another definition, Finance Charge- Except as otherwise provided in this section, the amount of the finance charge in connection with ANY CONSUMER CREDIT TRANSACTION shall be determined as the sum of all charges, payable directly or INDIRECTLY ( social security card ), by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. 
Now let 's take a look at one more definition, The term CREDIT CARD means ANY CARD ( social security number ), plate, coupon book or other credit device existing for the purpose OF OBTAINING MONEY, property, labor, or services on credit. 
So what am I saying here there really is no denial of credit due to me originating the credit with my social security number that you used.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: NM

Complaint narrative:
My husband and moved from XXXX to XXXX. In transit he lost his wallet including his XXXX XXXX debit card. I have an account with XXXX  XXXX XXXX XXXX. He was able to link the accounts using Zelle successfully until i changed my phone number from XXXX XXXX XXXX to XXXX XXXX XXXX. Zelle and its algorhythms could not positively ID me despite me having all correct info. Billing address for my debit card SSN phone number. Customer service and tech support said there is nothing we can do. My husband gets paid this friday XX/XX/XXXX. I am a retired XXXX  mandated reporter by law well aware of the dysfunction in this country. Actions or failure to act have consequences and result in behavior change by me. Please investigate. Digital currency is not safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
Back in XXXX I contacted XXXX XXXX XXXX and told them that I needed temporary alarm system for an investment property. They told me that through them I could get this service and once my home was sold I could transfer the service to the new home owner. Today I contacted the Company and advised them that I wanted to transfer the service. They then advised me that I needed to contact Citizens Bank because Citizens Bank is going to require me to pay off the loan amount since the loan isn't transferable. I never dealt with Citizens Bank when I initially signed up for this. I also wasn't made aware that the loan wasn't transferrable and that I would be responsible for a loan on a temporary investment property. Citizens Bank was never in the picture nor was it clear to me that I was actually doing business with two different companies. This is extremely confusing to the average consumer and I want to cancel my service with both companies without being penalized for misleading and inaccurate information that was provided to me when I initially contacted XXXX to tell them what I needed in a product. Citizens loan id XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Holdings LLC
State: CA

Complaint narrative:
I was working on getting approval for a reverse mortgage on my condo from Finance of America-Reverse ( FAR ), when they introduced a new document to be signed and notarized by my neighbor, who has no interest in helping me to get a reverse mortgage and would not sign such a document. Essentially, FAR gave my neighbor the power to deny me a reverse mortgage. 

I dont believe FAR was acting on some hidden reason and deliberately trying to deny me a reverse mortgage by introducing this new requirement. They explain their reasons for it in the attached email, given the situation where my condo is one unit of a 2-unit condominium building, and my neighbor owns the other unit. Nevertheless, the way it worked resulted in denial of a reverse mortgage for me, based upon nothing but the whims of a disinterested outside party, my neighbor. 

Further, FARs new document was superfluous. My neighbor was already bound to everything in it by the XXXX XXXX XXXX of the condominium, a copy of which FAR had been given, plus a separate agreement regarding a split of utility costs, which was forthcoming.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: NY

Complaint narrative:
THIS IS MY THIRD TIME WRITING THESE AGENCIES. I AM TIRED OF WRITING XXXX, EQUIFAX, XXXX  ABOUT BREAKING THE LAWS Under 15 U.S. Code 1681b- Permissible purposes of consumer reports. I XXXX XXXX THE LIVING HUMAN BEING NATURAL PERSON NEVER GAVE THESE AGENCIES ANY PERMISSION OR AUTHORIZATION TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. I AM PREPARED TO GO TO COURT IF THEY CONTINUE TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. 

NO CONSENT IS IDENTITY THEFT!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: NC

Complaint narrative:
I submitted a dispute to Experian and they verified the accounts as accurate, which included a chapter XXXX bankruptcy dispute. I submitted a second letter via an upload on XX/XX/2021 requesting verification of the prior dispute submitted in XX/XX/2021 and on XXXX instead of Experian providing me with how the information was verified for the disputes of the accounts which included, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX and Virginia Courts Chapter XXXX Bankruptcy they updated the records as investigation completed, they never sent the verification of the information on how they concluded that this information is factual which it is not..

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 2021-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FlexShopper, Inc
State: NY

Complaint narrative:
This complaint is in regard to intentional deception and fraud activity by XXXX XXXX XXXX, XXXX XXXX XXXX, NY. XXXX adopted the policy of deceiving and giving false information to the costumers to open credit line with XXXX, while contracting with another debt collector company with 25 % extra hiding fee. 
On early morning of XX/XX/XXXX I went to XXXX to buy 1 front passenger tire due to bad alignment. When the sales person insisted they have special promotion for 4 tires, eventhough I have replaced them in XXXX. He broke down the number with coupon and added unnecessary items every couple of minutes. During this time I asked about the price he told me more than {$1000.00}, and again he insisted XXXX has it's own plan & I will pay within a year, As it shows on the statement I was going to pay cash, but he asked for my credit /debit card information and business checking information and all the details and put me on the phone with XXXX Credit card center. He got access to my phone to downloads the XXXX App to use it for future payments. He also told me I will receive the statement in 90 days. After almost 6 hours in the store I got the car back. I tried to log into the App within a week for payment without any success. since I haven't received any statement to pay the balance I called the store couple of times to talk to the sale person but he wasn't there. ( I found out he left the company permanently ). I believed XXXX charged my XXXX Card, since I did not received any XXXX credit card. On my XX/XX/XXXX XXXX account statement I noticed weekly withdrawal of {$39.00} from my business account by XXXX XXXX as early as XX/XX/XXXX for over {$1000.00}, and since the balance was less than {$3000.00} I was charged with late fees {$18.00} for several months. Since I didn't recognized the charges I asked the bank to put hold on the payment. Per Bank policy I called XXXX XXXX when I was told they are collection agency for XXXX Tire! and they are charging me 25 % fees. Eventhough there was not any issue of late/ unavailable fund. Since then I'm getting numerous threating text massages as well as phone calls that XXXX XXXX is going to seize their property ( tires )! I have never been informed that I have leased the tires, neither knew the XXXX XXXX. This case damaged my credit report and my business reputation.

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 2021-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Please refer to complaint filed on XX/XX/XXXX - COMPLAINT ID XXXX, see attachments verifying my identity. 

I am scheduled for closing on a new home on XX/XX/XXXX. On XX/XX/XXXX, I setup a wire transfer from my Citi Bank savings account for a significant amount for the closing. I was called by Citi Bank to verify my transaction. One of the questions asked was what year my stepmother was born. I have not lived with her for 20 years, and my dad hasn't even been married to her for over 10 years. I had to call my dad to get the answer. Citi Bank failed me for the verification process for taking too long to answer. They refused to give me another opportunity or way to verify myself and they flagged my account for fraud. The account is now " under review '' and there is nothing whatsoever that I can do to get the funds. Citi Bank refuses to let me speak to anyone that can help, and just tells me I have to wait for them to clear it and there is nothing whatsoever I can do. I cannotbecause ( a ) there is no branch location or affiliated bank in my state of Colorado and ( b ) they say that even if I do FLY into a state where there is a branch location, that I can not get the cashier 's check because there is a hold on my account. Citi Bank is literally holding MY money hostage. This is MY MONEY and I am willing and able to do whatever to verify myself. They refuse to talk to me and help me. I need help 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 explanation
Consumer complaint received 2021-04-14 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:
I recently challenged the validity of XXXX # XXXX {$14000.00} XXXX XXXX L # XXXX {$3500.00} XXXX XXXX XXXX XXXX # XXXX $ XXXX XXXX XXXX XXXX # XXXX $ XXXX XXXX XXXX XXXX # XXXX {$3500.00} XXXX XXXX XXXX XXXX {$550.00} accounts that's being reported on my most recent credit report. Upon challenging this, Transunion credit bureau deleted the accounts based on lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with XXXX  credit bureau the agency verified the same accounts. We agree XXXX  is in violation of FCRA and my consumer rights. Each Violation is {$1000.00} per violation We also agree with the cogent observation by the fifth Circuit that the plain language of the statute places the burden of re-investigation on the consumer reporting agency. See Stevenson, 987 F.2d at 293. The FCRA evinces Congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the collection and dissemination of credit information, bear " gave responsibilities, '' 15 U.S.C 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The " grave responsibility '' imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a " re-investigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations completed by the statute.

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 2021-04-14 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:
I recently challenged the validity of XXXX # XXXX {$14000.00} XXXX XXXX L # XXXX {$3500.00} XXXX XXXX XXXX XXXX # XXXX $ XXXX XXXX XXXX XXXX  # XXXX $ XXXX XXXX XXXX XXXX # XXXX {$3500.00} XXXX XXXX XXXX XXXX {$550.00} accounts that's being reported on my most recent credit report. Upon challenging this, XXXX  credit bureau deleted the accounts based on lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with XXXX  credit bureau the agency verified the same accounts. We agree XXXX  is in violation of FCRA and my consumer rights. Each Violation is {$1000.00} per violation We also agree with the cogent observation by the fifth Circuit that the plain language of the statute places the burden of re-investigation on the consumer reporting agency. See Stevenson, 987 F.2d at 293. The FCRA evinces Congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the collection and dissemination of credit information, bear " gave responsibilities, '' 15 U.S.C 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The " grave responsibility '' imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a " re-investigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations completed by the statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XX/XX/2021 an inquiry was removed and I lost 45 points?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation