vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-23 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: CITIBANK, N.A.
State: WI

Complaint narrative:
On XX/XX/2023, my Citibank credit card was charged {$240.00} by XXXX, a grocery delivery service. Even though I was on vacation in XXXX XXXX, Florida, the XXXX delivery was sent to a town in Georgia. I immediately called XXXX, said that I had not placed the order, and that it was a fraudulent order. The XXXX representative told me that they would return my money as soon as possible. 
I also decided I needed to get a new Citibank credit card, in case someone had stolen my identity. 
After not getting a refund from XXXX, I disputed the charge with Citibank, but after crediting my account, Citibank investigated the incident and decided that I was responsible for the charges (! ) Its been XXXX months now, and theres been no reimbursement resolution. XXXX said it wasnt their problem, and Citibank said it wasnt their problem. 
I have called Citibank at least four times, and they have never give me a clear answer as to why the charge was not credited back to my account. They always said they would send it on to their fraud department and investigate it further, but no one has ever gotten back to me from Citibank. Its been XXXX  months since the incident 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 monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NY

Complaint narrative:
This a major issue with CashApp. 

On XX/XX/XXXX, at XXXX XXXX, I received an email that CashApp balance was negative. At XXXX, I received an email that the portion of my payroll that goes to CashApp was returned as the deposit failed. When I logged into the account at XXXX, I saw that the account was closed as of XXXX XXXX due to violating their Terms of Service ( TOS ). I instantly went to the CashApp chat assistance and as of XXXX XXXX, still haven't heard from them. 

As soon as I arrived at work, I went to my HR department and together we called our payroll servicer. They said all processing went through as planned, and sure enough, the other portions of my pay check as allocated all went to the respective banks without issue, and as of XXXX XXXX, there was no notice of rejection of the pay to CashApp happening. 

I then called CashApp from my office and they require a call back, which just occurred, but what a waste of my time. The representative could tell me nothing. Claims that he can't see the deposit in the account being reversed ( I took screenshots in case they tried to say it never happened ), and could not tell me what part of the TOS was violated. I simply use this account for a portion of my payroll, to accrue some savings, bitcoin, and buy things, there is nothing nefarious going on in my account whatsoever. Rep told me the CashApp AI system makes all determinations and that's all he could say and wish me well.

So, now I have multiple issues.

1. They closed the account without any notice and refuse to explain why the account was closed.

2. They took the small savings I've been accruing from purchases and transferred it against what is now a negative balance because I had already used part of the {$500.00} so when they reversed it, the account went negative and they applied the savings against this. 3. I can't get
the {$35.00} in Bitcoin out because it won't let me transfer it to another wallet. I can only cash out which I don't want to do.

4. The reversal of my pay is in no man 's land now. CashApp claims it never happened nor was received, meanwhile my HR department and our payroll processor says the payment went through and there has been no rejection and return of funds.

I need help getting answers. I don't care that this account was closed, I'll simply delete it from my direct deposit and walk away from it and continue with my traditional banks, XXXX and XXXX. But the theft of the small savings, not being able to move the BTC, and the missing pay, that all needs to be fixed. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: TX

Complaint narrative:
I received a letter on XX/XX/XXXX, stating Identity theft Notice. So did not know what to do so after researching I'm stating to take action with this identity theft. I had been going in and out of the hospital for sometime now and early XXXX I was hospitalized most of the time and during this period is when I think my identity was stolen because I just checked they are many credit cards opened one after another with some of them having high balances, and I also have a loan under my name around the same time the credit cards started showing up in my credit 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 non-monetary relief
Consumer complaint received 2023-06-23 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: MS

Complaint narrative:
I am the author of this complaint and I recently checked my credit report and saw some fraudulent, inaccurate, and incomplete accounts that are being reported. Please conduct a reasonable investigation, state method of verification and DELETE all the accounts mentioned below. My driver 's license, social security card, and an identity theft report has been attached to this complaint 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

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 2023-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, XXXX, and XXXX and have noted following discrepancies : XXXX Inq date : XX/XX/XXXX  {$14.00} Charter communications Inq date : XX/XX/XXXX  {$210.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: Fidelity National Information Services, Inc. (FNIS)
State: IN

Complaint narrative:
I disputed this XXXX XXXX XXXX XXXX account with ChexSystems because it is not my account. ChexSystems responded with " proof '' that it was my account, which DIDN'T HAVE ANY OF MY INFORMATION ON IT OR INFORMATION THAT I RECOGNIZED. It showed a business with a completely different address in a state 2000 miles away from me. When I disputed it again, ChexSystems responded claiming that my dispute is " considered frivolous ''. REMOVE THIS FRAUDULENT INFORMATION FROM MY CONSUMER 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 2023-06-23 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 — Card was charged for something you did not purchase with the card
Company: Coinbase, Inc.
State: SD

Complaint narrative:
I have a Coinbase VISA Card that is connected to my trading account. I used my Coinbase card only one time on XX/XX/XXXX, just to see if it works and activated it. Then I put the card in my safe and didn't want to use it because XXXX lost so much value. On XX/XX/XXXX I received an email saying a transaction was declined. I'd never received an email like this so I went into the account to see what is going on. To my horror, I saw there were over 50 charges to this card in other countries, mostly the XXXX. I immediately contacted Coinbase Global Inc. I was told that they are unable to assist me because they only investigate transactions that fall in the last 120 days. Interestingly enough all the transactions that fell in the 120-day period were either declined or refunded. Refunds were made to amounts that weren't even charged. So I have no idea what the refunds were for. 
I then when to my local law enforcement to report it. They looked through the statement and also agreed that it was very suspicious what was going on. Upon further investigation the found that all the transactions were from other countries that I'd never even been to. But at this point, their hands were tied because they do not have jurisdiction in these countries. 
I wrote a complaint to Coinbase and yet again they refuse to look into the situation. I then wrote to the SEC and they suggested I report this to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) for further assistance. I could supply the statement for my card to you if needed. This is very suspicious to me and law enforcement and we believe that Coinbase might sell card info to criminals or they are using the info themself. I would really appreciate your help in this regard and if you can investigate Coinbase. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Went to branch during business hours XXXX Fri XX/XX/2023 to receive certified check for car purchase. Check needed same day as purchase was for Saturday which was out of state. Flight was purchased for {$1000.00} to deliver certified check and drive back car for Saturday. Bank had no way of transferring money to other accounts, withdraw money to cash, or wire money to different account in my name in order for me to complete the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Credit Acceptance late payments In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-06-23 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: TX

Complaint narrative:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.

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 2023-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
There are 2 things that happened : the biggest thing was, i was lied to on the phone when I was called to settle on my business credit card with chase bank. I asked three times if the XXXX $ and some change they requested would close the card and be done, and person said yes. I asked there times. I went to check a few days later and the card was charged a XXXX $ something but there was still a balance. I called and talk to a manager XXXX. He ; pulled call and said wow you are right you asked three times. So he said he would send in to get balance taken off. It got denied by however was above them. I felt lied to and it should have taken care of balance as i was led to believe. I was so mad I asked to close my personal account, leaving my business account open. I called earlier this week to tell bank i had a XXXX $ return coming back into account but i wanted it rejected or sent to business account. I was told since the account was close it would auto reject and i need to do nothing. Well it went through, when i called to day to explain they said there was nothing i could do because the account was not fully closed yet. Its been over a week since I requested it closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: CA

Complaint narrative:
Equifax. Has failed to delete inaccurate information from my credit report. On XXXX  XXXX it shows that I have no derogatory marks on my credit report. But on XXXX it shows and Equifax that I have XXXX derogatory marks. The company sent me a letter stating that they would remove the derogatory mark. Due to lack of proof that the accounts belong to me. I have already reported Equifax multiple times for stating they would delete the derogatory marks but they NEVER honor their words. 

Ive been a victim of identity and until further notice anyone that is reporting to my credit report must have proper documentations of signatures not PDF signatures but my actual signature. That is printed on any documents. I made this clear to all the creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-06-23 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: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage @ XXXX XXXX XXXX XXXX is reporting that the balance on my loan # XXXX is XXXX to the credit agencies. The correct amount is {$570000.00} as noted on their web page in my account. The misleading amount has caused my credit to debit ratio to skyrocket and my scores to drop. I called them today XX/XX/2023 spoke to representative # XXXX who told me that its my responsibility to write to all XXXX credit bureaus! I told her that her company generated this false information on purpose apparently. This is a direct violation of the Fair Credit Reporting Act. I am a XXXX Veteran who has tried extremely hard to obtain exceptional credit only to have this company try to ruin my exceptional standing. They do not give XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX legal representative

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 2023-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XX/XX/2023 it shows that a bank account through Bank of America was opened without my permission or my husband 's permission. We've had a claim filed for id fraud. When we checked our account around XXXX we then checked all of our emails. I had noticed that we received two emails stating an account application was processing and then approved. The information was signed up using one of my email addresses that are not even on my bank account, which is very weird in itself. It seemed that the application was processed around XXXX this morning and approved within the same time frame. I spoke with a representative in the fraud department of the bank and they stated the fraudster used my login information. They ended up deleting the login information and the account that was opened fraudulently.

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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This consumer reporting agency has intentionally locked me out of my consumer report. I am attempting to view my consumer report and not being allowed to access the report. I reached out to the the company and the agents were being rude, disrespectful, abusive and tried to charge me to access my own information. I am very frustrated, annoyed and confused as to why this consumer reporting agency conducts itself in such an inequitable manner. I am demanding that I receive my complete consumer report by mail and am allowed to access my consumer report online immediately as I have attempted a consumer credit transaction and was told that I had been denied due to adverse information contained in the consumer report from this consumer reporting agency. When

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I was contacted on my cellphone by Radius Global Solutions, a debt collection agency ( https : //www.radiusgs.com ). I ignored the calls. I was again contacted via cell phone today at XXXXXXXX XXXX from ( XXXX ) XXXX. I ignored this as well. On XX/XX/XXXX I sent a certified cease and desist letter to address : XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX with tracking number XXXX which was " delivered to final agent for final delivery '' on XX/XX/XXXX at XXXX XXXX per return receipt. 

They have been ordered to stop and yet they continue to call.

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 2023-06-23 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: National Healthcare Collections, LLC
State: OH

Complaint narrative:
This is to be taken off my credit report as it is under 500.00. 
Also it has been paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
8 attempts in 3 days to collect payment. 7 calls and 1 email. When I answer the call they just hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: NY

Complaint narrative:
TransUnion has disabled it's website and/or my account discriminating against me as a consumer from disputing inaccuracies, incorrect, fraudulent data with them directly. TransUnion in conjunction with the following credit data furnishers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has and continue to violate several Fair Credit Reporting Act laws. As a consumer I would like to exercise my right to the applicable following laws : 15 USC 6801 Protection of nonpublic personal information, 15 USC 1681a.2 Exclusions 15 USC 6802.a, b, c Notice Requirements

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 2023-06-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company response to consumer: Closed with explanation