vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: OK

Complaint narrative:
I called to check my balance and my money was not there so I checked the last XXXX transactions and found out that I had been hacked so I called ( direct express ) the card company for my social security they found the same thing I did they told me they would send me a form to fill out and that I had 10 days from that day to send it back I received it 12 day later I explained I got it 2 days past the due date and mailed it back with a showing of post date that was 33 days ago I have tried to call them and they do is transfer me around and around and put me on hold for hours I have gotten no answers and none of my money back please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Monday XX/XX/2021 multiple charges were made on my checking account totaling {$900.00} dollars. I called TD bank to report fraud I was told I had to wait 24 hours before I could report. I called back on XX/XX/2021 and the phone representative said they couldn't help me. I went to the bank itself on the XXXX, to finally report in person and receive a new card. Still haven't gotten my money back and Td is provided me with no help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Collections & Recoveries, Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I had a Issues with them freezing all of my accounts up some had hacked into my accounts on line like 6 times and I had submitted multiple security appeals and every thing else and I have been getting the run around from the credit unions security operations department I had some one do Identity theft on me and hack into my accounts there and they are treated me like I am the XXXX criminal that did the XXXX and its like they are placing the blame on me instead of the person who did it. There security operations department has made several XXXX  remarks tourds me because of my last name being XXXX  XXXX and refused to remove the security restriction, Want the matter investigated very very Thurley and want them find. For discrimination.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Im filing this because the 3 major credit bureaus has ignored the fact that my identity has been compromised in which resulted in unauthorized accounts reporting on my credit files. Ive requested the name and title of the person or persons that conducted so called investigation prior to this official complaint. Im a victim but refused to be victimized by these 3 credit reporting agencies. Im demanding the immediate removal of the following accounts, or a signed individual contract with supposed businesses in which I have no business with, please remove. 

1 ) XXXX XXXX XXXX {$68.00} 2 ) XXXX XXXX {$1700.00} 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX  5 ) XXXX XXXX 6 ) Dept of ED/ XXXX {$3900.00} 7 ) Dept of ED/ XXXX {$2700.00} 8 ) Dept of ED/ XXXX {$2700.00} 9 ) Dept of ED/ XXXX {$1900.00} 10 ) Dept of ED/ XXXX {$1700.00} 11 ) XXXXXXXX XXXX XXXX XXXX  {$520.00} 12 XXXXXXXX XXXX XXXX XXXX {$540.00}

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 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

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 2021-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
National Credit Systems INC. with an address of XXXX XXXX XXXX XXXX, GA XXXX has been sending me collection notices in the amount of ( {$4600.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Im filing this because the 3 major credit bureaus has ignored the fact that my identity has been compromised in which resulted in unauthorized accounts reporting on my credit files. Ive requested the name and title of the person or persons that conducted so called investigation prior to this official complaint. Im a victim but refused to be victimized by these 3 credit reporting agencies. Im demanding the immediate removal of the following accounts, or a signed individual contract with supposed businesses in which I have no business with, please remove. 

1 ) XXXX XXXX XXXX {$68.00} 2 ) XXXX XXXX {$1700.00} 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX  5 ) XXXX XXXX 6 ) Dept of ED/ XXXX {$3900.00} 7 ) Dept of ED/ XXXX {$2700.00} 8 ) Dept of ED/ XXXX {$2700.00} 9 ) Dept of ED/ XXXX {$1900.00} 10 ) Dept of ED/ XXXX {$1700.00} 11 ) XXXXXXXX XXXX XXXX XXXX {$520.00} 12 XXXXXXXX XXXX XXXX XXXX  {$540.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Im filing this because the 3 major credit bureaus has ignored the fact that my identity has been compromised in which resulted in unauthorized accounts reporting on my credit files. Ive requested the name and title of the person or persons that conducted so called investigation prior to this official complaint. Im a victim but refused to be victimized by these 3 credit reporting agencies. Im demanding the immediate removal of the following accounts, or a signed individual contract with supposed businesses in which I have no business with, please remove. 

1 ) XXXX XXXX XXXX {$68.00} 2 ) XXXX XXXX {$1700.00} 3 ) XXXX XXXX XXXX  4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) Dept of ED/ XXXX {$3900.00} 7 ) Dept of ED/ XXXX {$2700.00} 8 ) Dept of ED/ XXXX {$2700.00} 9 ) Dept of ED/ XXXX {$1900.00} 10 ) Dept of ED/ XXXX {$1700.00} 11 ) XXXXXXXX XXXX XXXX XXXX {$520.00} 12 XXXXXXXX XXXX XXXX XXXX {$540.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I had a Wells Fargo credit card that was close to the limit for a trip to XXXX for my sons wedding few years ago. Had auto pay with Well Fargo card services and never a late payment for years. Sold my house XX/XX/2021 and loan officer said pay off card to increase my score for new mortgage. Loan officer re pulled credit for upstate and WF reported a 30 day late for XX/XX/2021 and my FICO plumited down and I can not get a mortgage. Payment was not late however they reported me 30 day late on credit report. This loan was paid off in full on XX/XX/XXXX and I have proof and WF confirmed but wants me to dispute with the credit agencies any can take too long.

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 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
In XX/XX/2021. I received a letter from Portfolio Recovery Associates reported that they took over an unfamiliar credit account to me from XXXX XXXX XXXX  due to the outstanding balance was {$2600.00}. This is very strange for me because I have never purchased anything from XXXX before. I believe that I am a victim of identity theft because I did not make any of those transactions and also did not authorize use of my name and personal information to anyone else except me. On the day I talked to my banker about the fraudulent transaction, I found out that my XXXX  credit journey has been checked out by some members of dark web society twice. They also tried to steal my XXXX password.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: MN

Complaint narrative:
I had a XXXX XXXX credit card that was close to the limit for a trip to XXXX for my sons wedding few years ago. Had auto pay with XXXX XXXX card services and never a late payment for years. Sold my house XX/XX/2021 and loan XXXX said pay off card to increase my score for new mortgage. Loan officer re pulled credit for upstate and XXXX reported a 30 day late for XX/XX/2021 and my FICO plumited down and I can not get a mortgage. Payment was not late however they reported me 30 day late on credit report. This loan was paid off in full on XX/XX/XXXX and I have proof and XXXX confirmed but wants me to dispute with the credit agencies any can take too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The company withdrew XXXX sent it to somewhere without letters no me know where leaving me a balance of XXXX they have been holding my money since XXXX I been calling they will not give no explanation for what they are doing I called again to get my remaining balance and close my account they still will not do this I need to know where my money went also I need access to my funds this has been a battle with capital one bank since early XXXX this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: CA

Complaint narrative:
I bought a XXXX transact card onor around XX/XX/2021 i put XXXX dollars on it and when i tried to activate it they told me they closed my Account becaise of frsud on a previous acvount. I told them i never had an account and they ignored me and tokd me id get my money in so long and hung up

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 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
Since XX/XX/2021, when I made the last transaction in my Coinbase account, I got the message : account in verification.

3 months have passed since that day and my account is not yet verified, I can not withdraw, add or move cryptos. I contacted the company and they told me that it would be solved shortly and not to send that claim again. Since the company has not solved it for me yet, I have looked at possible solutions online, they have not solved anything for me. until I get to this website thanks to a forum. I need a help now. I need to move those cryptos.

I hope you can solve it. Thanks greetings.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
On XX/XX/ Ive noticed this card from milestone on my credit report never seen a card from them a day in life my identity has been stolen for almost 16 years now I have freezes on all my credit reports .their reporting an XXXX usage of a card never seen the card never got the card its soo bad that Ive never heard of the card or the stores the cards was used at but I digress. I just want this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Transunion is violating my consumer rights pursuant to the Fair Credit Reporting Act. I did not give permission for this account to appear on my credit file or did I validate it. Pursuant to Title 15 1681B, there must be Permissible Purpose for something to report to my credit file. I did not give written instruction for the account U.S. Bankruptcy Court to appear on my credit file. Transunion is using fraud by using identifying information without any lawful authority to furnish this information on my consumer report. By definition Transunion has committed identity theft.FCRA also state 1681b ( e ) ( 6 ) - All CRAs must work together and be joined. Consumer reporting agencies on a nationwide basis must maintain a joint notification system. I have reason to believe and do so believes, this subsection was enacted to maintain maximum possible accuracy amongst consumer reporting agencies. This information for US Bankruptcy Court on my consumer report does not match other consumer reporting agencies XXXX and XXXX, which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). This account, US Bankruptcy Court, account number XXXX be removed. According to FCRA15 U.S.Code 1681c-2 ( a ) Transunion, with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with US Bankruptcy Court account number XXXX is not relating to any transaction by myself, Transunion is required to place a block on my consumer report on the information associated with US Bankruptcy Court account number XXXX. This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim.

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 2021-10-21 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: CITIBANK, N.A.
State: AR

Complaint narrative:
I made all payments on time for a long time according to them, then since XXXX about they claim that my financial institution kept taking my payment s back from them after they had notified me that my payment has posted. they also state that I didn't tell XXXX XXXX  XXXX  to take the money back. Contacting them is extremely difficult because you have to battle a automated machine to get to a person who can't speak XXXX and they keep you on the phone for 30 minutes before you can get transferred to a supervisor where you are put on hold for about 30 to 45 minutes. then you have to repeat this process again and many times are hung up on and have to repeat this process. After hours of this you might get to the fraud division who blame everything on a other bank that by their admission i didn't order or authorize the taking back of the payments but state they I have to keep making payments or else even though they keep losing them or destroy my credit rating and continue to fine me for late payments. I told them I will not pay until they put things back and pay me for all the time I have put in to report this. the fbi and secrete service both say they do this to make yu give trying to reverse this and make you pay these fines.

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 2021-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
My wife and I decided to try to refinance car loan with Truist. When they sent us the closing documents to review the numbers weren't as we had discussed with the loan officer so we decided not to go through with the refinance because it was saving us no money. They supposedly closed the loan. But that never happened! On XX/XX/XXXX I saw an automatic payment of {$4100.00} taken out of my truist checking account for the payment of the refinance loan. So they never closed out the refinance loan! So now we have the refinance loan and our regular loan on our credit report. We have tried numerous times to talk with truist to at least refund the {$4100.00} they stole from us but they still have not done that, and both loans remain open. This company has terrible customer service, terrible system of checks and balances, and should not be in business. Thanks XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I used my chase checking account to send {$1800.00} through XXXX, to my wifes account at XXXX  XXXX XXXX. The money left my account immediately, but never went to the XXXX  XXXX XXXX account. My wife called her bank, as it said pending on the XXXX  XXXX XXXX app. They told us it was not in the account because it looked like chase never released the funds, and we needed to talk to them. When calling chase they assured us it was sent to XXXX, gave us the confirmation number and said we needed to talk to them. After numerous calls back and forth between the two banks relaying the info they told us it came to the conclusion we needed to file a claim with chases fraud department. After a week they reimbursed the money to the chase account. A week later we received a letter that the claim was closed, there was no fraudulent events and they were taking the money back out of the account. When I called them again asking why it hey said because the money was at XXXX  XXXX XXXX and there was nothing more they could do for us. Again we called XXXX  XXXX XXXX and they said chase never did anything to find the money, that they didnt have it and also could do nothing for us. Now our account is negative {$1800.00}, yet we still didnt receive the transfer money in our XXXX  XXXX XXXX account. Chase has closed the account and no longer want to help us as they said it is not their error. Even though XXXX  XXXX XXXX said as it is the receiving bank and doesnt have the money!

Company response to consumer: Closed with explanation