vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-20 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: Coinbase, Inc.
State: CA

Complaint narrative:
My account with coinbase was compromised so I locked it on XX/XX/2020. Ive made multiple tickets for help through customer service with no response. I have a lot of money sitting in this account but no way of getting into my account and have had an account for multiple years. Coinbase has not even tried to contact me to start getting things resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Trying to connect my XXXX to my pnc bank account and it's not letting me because of something to do with my bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

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 2020-07-20 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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

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 2020-07-20 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: AL

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute for XXXX BANKRUPTCY XXXX XXXX AL XXXX -- # XXXX with experian. I received to response from them or no reporting that the account was in dispute. Over 45 days later I sent another letter asking for the removal of this account because it was past the 30 day mark to investigate. I still have received nothing from this bureau as of today XX/XX/2020. I'm asking the CFPB to help me with this issue. 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 2020-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Opened credit card with Bank Of America in XXXX this year. Set up Auto-Pay with " Amount Due '' selected ( as opposed to Minimum Amount Due, Account Balance or Fixed Amount ). Auto-Pay processed, but only paid the minimum amount due and I was charged interest on XX/XX/XXXX. I phoned Bank of America to resolve the issue on XX/XX/XXXX and they refused to refund the interest charges despite the fact that I had intended to pay the full amount due to avoid interest charges. The root cause of this failure is the third party company that BoA has contracted to collect payments using their web portal that uses a terribly design and perhaps intentionally misleading interface. I escalated this call twice, and was promised a call back by a supervisor, but this has not happened.

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 2020-07-20 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 was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts.

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 2020-07-20 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:
My identity has been compromised i have no idea who couldve done this to me. As I pulled my report I saw an outragous amount of accounts under my name that were not mine. Please delete these items from my report.

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 2020-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2020-07-20 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: LA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2020-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
THE CREDIT CARD COMPANY CHARGE AN ACCOUNT PROTECTION PLAN FEE WITHOUT MY PERMISSION.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Credit card account Barclays open over 29 years ago. Excellent payment history. Attempted to make a payment in XX/XX/2020 for XX/XX/2020, using online service. Could not access account, it did not show up anywhere under my name, made numerous phone calls but could not speak with anyone in person and still can not. Recorded message says to access account and send message there. Had to go to another account with same company to get in touch at all. Sent message stating that account was not showing up, kept trying to call, to no avail. Mailed letter, no response. Stopped receiving any statements in any form as of XX/XX/2020. Checked with credit reporting agencies and it showed account closed by grantor, no explanation. Continued since XX/XX/2020 to send messages through the secure messaging. Finally on XX/XX/2020 I received a letter from a collection agency stating the account had be3n placed with them, so on, no balance shown or dates etc. Then going back found one response stating that it was included in a bankruptcy. And notations had been made on the account and I could not use or access information on the account. Had no way to get in touch about this. First and foremost I have never filed bankruptcy, and I am sole owner of the account. My wife filed for Chapter XXXX in XXXX of this year but she was absolutely not an owner, just an authorized user. She has verified this was not listed in her bankruptcy and her lawyer agrees. As of now, this is showing past due on my credit report, turned over to collections and I have tried at least 30 times to get access so that I could make my on time payments as I had always done. There will be another complaint against the collection agency, with an additional major complaint concerning discussion of this matter in great length with a third party without my permission. I have left messages for the collection agency and their Customer Support Unit, since XX/XX/2020 and they will not respond. My messages only asked that they call me ASAP.

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 2020-07-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I took a 15 year mortgage with Bank of America on a commercial property that I use for my business. I own this personally and lease it to the business. I was a XXXX XXXX  customer of BOA and had a line of credit with them also that was separate. I was never 30 days late on making my payment. There was a 10 day grace period after the due date. If you went past the 10 days, there was a {$35.00} fee. If I went over the date, I paid the {$35.00} fee. I paid on the loan for 15 years. When I got to the end, I received a letter from them telling me I owed an additional {$22000.00} in interest. They had been accumulating interest for 15 years for every day after the due date that I was late. And then they were charging me interest on the interest. In 15 years, they never sent me a report saying that I owed the interest. It did not show up anywhere on line on my account. There was absolutely no way that I could know that they were charging me this interest or giving me the opportunity to pay it off each year so that I would not be paying interest on interest. I obtained counsel and they began negotiating. It took about 6 months but we reached agreement that I would pay {$5000.00} and they would forfeit the claim for the additional funds. They gave me a release from the deed and it was done. Have them send me a copy of the settlement. They are currently reporting this as an error on my credit. I have attached the letter which was the first time I was notified that I owed additional money.

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 2020-07-20 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:
My identity has been compromised i have no idea who couldve done this to me. As I pulled my report I saw an outragous amount of accounts under my name that were not mine. Please delete these items from my report.

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 2020-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
1. Used Chase Visa Card to purchase flights from XXXX to XXXX in XX/XX/2019 XXXX. Flights were canceled in XXXX because of Covid 19.

3. Tried to reach merchant, XXXX, many times. They are unreachable. 
4. XXXX XXXX confirmed I am due a refund as all flights are canceled and XXXX is not allowing US citizens to travel to XXXX. 
5. I placed Chargeback with Chase. Chase denied the chargeback. I appealed to reopen the case. It is reopened but now I can not get an answer from Chase. They will not respond. I have supplied them 30 pages of documents ranging from proof of cancelations, DOT regulations regarding Covid Refunds etc. 
6. I filed a complaint with XXXX XXXX XXXX about XXXX. XXXX can not help b/c XXXX will not respond to their inquiries either. I will file a XXXX complaint against Chase Credit card today,. 

I need help from some govt authority to force chase to give me my money back. Services paid for have been denied. It is fraud to keep my money and somehow chase is perpetuating this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent letters on XX/XX/XXXX, which Transunion received on XX/XX/XXXX. I have not received any response to my disputes requesting a signature that I owe the debt. I sent follow up letters on XX/XX/XXXX, which were received on XXXX. I have not received any communication regarding these disputes requesting a signature that I owe the debt nor did I receive anything from the listed creditors. Also to add, I've disputed directly to XXXX and their address on my credit file is incorrect so there is no way I can reach them by mail. I provided evidence of this, but no action has been taken yet. These issues are preventing me from getting a house and a car, which I can't do until these issues are resolved.

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 2020-07-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
During the XX/XX/XXXX appliance sales promotion. I purchased three items for delivery on XX/XX/17. The morning of the delivery, I was told only one item was available and the rest would be available until XXXX or XXXX, but I still had to make payments to keep the special financing made during the promotion. 
This promotion for XX/XX/XXXX sales was deceptive, and predatory to get people to get their credit card for items the company knew had prolonged delivery dates. This credit predatory sale was to increase debt use by consumers when no product was truly made available.

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 2020-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Was to take a trip to XXXX on XX/XX/20 to XX/XX/20 Due to the President of the US and the XXXX XXXX of XXXX shutting down the countries I was unable to go on the vacation. Citi Cards has not been cooperating nor has the XXXX XXXX XXXX XXXX Not being able to get through to either of them. I'm disputing the amount of {$1200.00}

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 explanation
Consumer complaint received 2020-07-20 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: FL

Complaint narrative:
I have yet to receive any type of response from the Credit Reporting agencies on things I disputed. The first time I tried was XX/XX/2020 and then again XX/XX/2020 what is going on. I don't see anything that indicates because of this Covid they are allowed more time and even is that it's been over 3 months ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A.
State: KS

Complaint narrative:
PNC Bank - deceptive business practices I opened an account in early 2020 to take advantage of a promotion they were running. Per the agreement, my biweekly pay was deposited in the account and I satisfied the requirements to receive the promotion. 

Over the months that I had the account I found myself dissatisfied with functionality and ease of use with things as basic as transferring money. I then began to notice a monthly maintenance fee, which I do not recall seeing in the initial account disclosures, though I am sure it was. I never requested a fee credit, but it left a bad taste in my mouth. 

Ultimately, I decided to close the account in favor of my local credit union. When I called to close, I asked about fees and none were disclosed. Upon receiving my final distribution from the account, I noticed that it was less than I expected by {$25.00}. I called my local branch and was advised that an account closure fee applied because I had closed it within 6 months of opening the account. I explained that I had not been made aware of said fee, but the branch employee advised that she was sorry but there was nothing that could be done. 

Fast forward a couple of weeks and a PNC employee called me to discuss the situation. She was from the Executive Client Relations team and asked what she could do. I again explained that I do not believe it's right to hide the fee when I requested the account closure, and she said she would review the call. Today, I received a call stating that she was sorry that the fee was not disclosed when I called, but it was in the initial account disclosure, so have a good day. 

It is a deceptive practice to hide fees, regardless of whether it was in the 50 pages of fine print I received when I opened the account 5.5 months earlier. PNC should have disclosed this and given me the option to keep the account open for a couple more weeks had I desired to do so. This is a symptom of poor internal controls and a lack of consideration for their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: OH

Complaint narrative:
Experian has failed to respond and appropriately remove a fraudulent account on my credit report. Evidence has been provided from a COURT ORDER in the USA. Is Experian located in the USA? Yes! Therefore, they must abide by the law in this country. See enclosed documentation from the court order, which proves 1 ) I am not responsible party 2 ) Account balance is {$3200.00} 3 ) Payment history from XXXX thru XX/XX/2020. Meanwhile, Experian reports the account in my name, with a fraudulent balance of {$4900.00}, and shows Negative payment history from XX/XX/2020 thru XX/XX/2020. The response from Experian is shameful and disgusting. They are reporting fraud and damaging my credit. Court records in the attachments can be easily found by searching my name at this website for the City of XXXX, Ohio : https : XXXX Although Experian claims the creditor validated the account that is a fraudulent claim. Why would Experian ignore terms of the court order? Because it doesn't fit their agenda and business model for reporting accounts. It is inconvenient for their business although it is a violation of federal law. Get it together.

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