vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I can't take this anymore! I can't get a new car to get to work and take care of my kids because of this misleading information on my credit report. I am STRESSED! I have sent letters and called many times and still nothing has been done! I am a single mother and I need this to be fixed I want my kids to have a better life Please help. I sent letters on XX/XX/21 and XX/XX/21 and no update or anything something must be done!

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 2021-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On Friday, XX/XX/2021, I initiated an " Instant Transfer '' from my PayPal account to my checking. PayPal would not process the transaction, and said they could not verify my identity, despite the fact that I provided them with my password, and my two-factor identification code from my watch ( that, if removed from my wrist, will not work ). This transfer was to an account that had been on the account since conception. 

I spent about five hours on hold, being hung up on, and receiving scores of different answers. Eventually, I tried to make a non-instant transfer and that was held up. They variously told me to go to XXXX to get the money, or to send my ID over to them, via a cell phone. I had told them at least five times I couldn't do that ... the money I was trying to transfer was from selling my phone!! 

Today, I borrowed a phone, and tried the " send us your ID '' thing. They informed me it would take five minutes to process, after a half hour I asked them what was up. Almost two hours later - forty times the indicated wait time - I was told that the verification failed. XXXX has kept the same photo of me for eight years now because I LOOK EXACTLY THE SAME as I did even FIFTEEN years ago. They absolutely did not examine my selfie or ID. 

I was told this is normal procedure, banks do this all the time, but I have never, ever, in my entire XXXX years been asked by a bank to give my password, 2FA code, last four of my social, entire 16 digit account number, a text code, a copy of my ID, and a selfie. It's " did you authorize this transaction? You did? Okay, try again. '' This is how it works at every bank, PayPal is the only company expecting me to verify every possible detail of mine. I'm surprised they hadn't asked for a DNA sample. 

It has now been over fifty times the quoted time for this withdrawal. They refuse to say exactly why this is held up, they give me form letters, and say the computer controls everything. This is not a XXXX movie, PayPal is not XXXX, it is not a sentient mainframe in a mountain somewhere. A person must be in charge, that's the way the world works, but they say oh system did it, can't do anything about it. So, if PayPal isn't in control of their own systems, who the XXXX has a picture of me, my ID, and my debit card numbers now?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-28 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: FL

Complaint narrative:
I found the following fraudulent accounts on my credit report and have provided my identity theft report to the credit bureaus yet the items remain : XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX {$9500.00} XXXX XXXX Please remove these fraudulent 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 2021-08-28 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: FL

Complaint narrative:
I found the following fraudulent accounts on my credit report and have provided my identity theft report to the credit bureaus yet the items remain : XXXX XXXX  XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX {$9500.00} XXXX XXXX  Please remove these fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: MI

Complaint narrative:
I can't take this anymore! I can't get a new car to get to work and take care of my kids because of this misleading information on my credit report. I am STRESSED! I have sent letters and called many times and still nothing has been done! I am a single mother and I need this to be fixed I want my kids to have a better life Please help. I sent letters on XX/XX/21 and XX/XX/21 and no update or anything something must be done!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NC

Complaint narrative:
On XXXX the XXXX, 2021 I did a money transfer using the Western Union XXXX to send ( {$500.00} US ) from my XXXX XXXX  account to XXXX. Having completed the transaction, I received an email from Western Union to say that this transaction is on hold and I will hear from them in shortly. I subsequently received a call where the representative told me they will follow up with an email. The follow up email stated that I need to submit my bank statement for XX/XX/2021. Having got that email, I decided to call and request a refund. I did call and requested the refund. I was advised by the representative that I would see the refund between 5 to 7 working days. Since I called on the Friday, the 7 working days I assumed would be XX/XX/2021. The money was not refunded. I called my Credit Union ( XXXX ) the following day to file a dispute claim. I heard from my Credit union on XX/XX/2021 to inform me that they are not able to do anything. I then called Western Union. I spoke to another representative who advised me that I would need to submit a government ID in order for the refund process to begin. I subsequently received an email explaining this. I reply by sending the email. Since that I still have not received the refund. I decide now to request the assistance from CFPB in received my refund from Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
My XXXX statement from Bank of America included three charges I did not make all to the same XXXX. XX/XX/XXXX for {$1800.00}, XX/XX/XXXX for {$20.00} and XXXX for {$5200.00}. I consulted them and they took the information. That was XX/XX/XXXX. XX/XX/XXXX I received a letter saying these activities are consistent with my normal activities. I have never used this company before! They added the amounts back on my account and asked for payment. 

I contacted the phone number on the transaction for XXXX on the transaction XXXX only to get a recording and no one to talk to. When I needed the call the note at the top of my phone said fraud XXXX. 

I also found out that Bank of America has a XXXX liability policy. I want the charges removed from my bill

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 2021-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: OK

Complaint narrative:
I am filing a complaint against FRANKLIN COL because they are attempting to collect a debt that I do not owe them. Account Name : FRANKLIN COL, Account Number : XXXX I would like for FRANKLIN COL to removed the above account from my credit report because it has already been paid. This incident has been very detrimental to being able to obtain a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
Fay Servicing. 
My XXXX payment online stated {$1600.00} I however could not make a payment online or over the phone. I had to make it with a representative who confirmed verbally that my payment was indeed {$1600.00}. I paid that and waited for the online problem to be resolved. 
I checked my account online a few days later and it showed my XXXX payment had not been received and was still reporting I owed {$1600.00} for XXXX. I called XXXX and spoke with XXXX who stated the rep who took my payment a few days prior had applied the payment wrong and XXXX said she fixed it and my online issues should be fixed. That was on XX/XX/XXXX. XXXX told me to give it 3 days and everything should be reporting correctly. XXXX also told me my next mortgage payment was only {$660.00} and was not due until XXXX. I told her that can not be correct, our mortgage was ending its modification and the payment in no way shape or form was only {$660.00} for XXXX. 
Then, I received a statement in the mail dated XX/XX/XXXX showing that I had an overdue payment of {$660.00} and a regular monthly payment of {$660.00} with a fee of {$410.00} totaling {$1700.00} due for XXXX. So I go online and the payment reflecting for still XXXX is now {$2300.00}. The XXXX payment was changed in the middle of XXXX. So I call again and am told {$2300.00} is my new mortgage payment after the modification and I owe {$650.00} to get XXXX current. I asked both XXXX and XXXX how my XXXX payment was not current online or on the statement mailed to me and who changes a months previous payment amount. I paid what was online and what the representative stated I owed when I called. I even put an extra {$100.00} to the principal. 
So, we now have to scramble to come up with an extra {$660.00}, that we would not have even know about had I not checked myself, and my fear is we are going to now be marked late because I won't have that extra money in my budget until the first week in XXXX. 
I am applying for another modification and have been trying to refinance with Fay through a rep who ran our credit reports but I have not heard back from. 
Changing the amount due though does not seem honest or ethical when the change happens a full month later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC.
State: NC

Complaint narrative:
I am filing a complaint against KAY JEWELERS because they are attempting to collect a debt that I do not owe them. Account Name : KAY JEWELERS, Account Number : XXXX I would like for KAY JEWELERS to show proof of verification that I owe them {$1500.00} with the account above. To my knowledge, this account has been paid. KAY JEWELERS is reporting inaccurate information on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I received an invitation from American Express Co via USPS mail on XX/XX/2021 to upgrade my Gold card to Platinum, POID : XXXX, RSVP # XXXX XXXX XXXX exp:XX/XX/2021. The invitation has a promo for XXXX membership rewards point + {$150.00} Statement Credit if I spend {$6000.00} on the card within 6 months of the upgrade. I called Amex on XX/XX/2021 at XXXX XXXX  MST and did the upgrade and informed the operator I have a promo code, she told she has a copy of the letter with her and will apply the promo to my upgrade. I received the card and welcome letter but it didn't say anything about the upgrade, so call AmEx again on XX/XX/2021 at XXXX ; XXXX mst to make sure the promo has been applied, I talked to XXXX, who informed me that the promotion was not applied and she doesn't see it on my account. Asked to speak to supervisor but was denied and said one will call you in 48 business hours. This fraud, deception and unfair practices committed by American Express co. I request severe punishment and fines to be assessed on Amex and force Amex to honor their promotion and apply the XXXX rewards and {$150.00} to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP
State: UT

Complaint narrative:
Security XXXX calls me every single day and at least 10 's a day. This loan isn't even 30 days late, but more like a week. I consider this harassment. Its ridiculous! And I'm sick of it. I can't do a thing until I get paid.

I really don't like this Company. I wouldn't ever recommend them. If co-vid hadn't hit so hard, I never would have walked through their doors.

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 2021-08-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SinglePoint GI
State: OK

Complaint narrative:
I am filing a complaint against GENERAL REV because they are attempting to collect a debt that I do not owe them. Account Name : GENERAL REV, Account Number : XXXX. 
I would like for GENERAL REV to show proof of verification that I owe them {$640.00} with the account above. To my knowledge, this account has been paid. GENERAL REV is reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
CREDENCE RESOURCE MANAGEMENT XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX is reporting inaccurate information on my XXXX  file. I have tried to contact both Credence as well as XXXX but have been unsuccessful in my endeavor. My name is XXXX XXXX NOT XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-29 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: Mar Joe Enterprises
State: TN

Complaint narrative:
A bill shows up in collection and try to get me to pay it. That was in bankruptcy of XX/XX/2016. It will show on CBC/ mar joe ! Same company. Its listed under collection part of report and it has hurt my credit and from getting credit. This is against the law and I will take this to my lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I am filing a complaint against KOHLS/CAPONE because they are attempting to collect a debt that I do not owe them. Account Name : KOHLS/CAPONE, Account Number : XXXX. 
I would like for KOHLS/CAPONE to show proof of verification that I owe them {$380.00} with the account above. After disputing this account creditor has already filed the payments as a business loss which they claim that I owe. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: NC

Complaint narrative:
Ive been trying to call but I have been unsuccessful with speaking to any one. I would get the automated system and then it will hang up on me. It is fraudulent inquiries on my credit report and I am asking for those items to be removed. I have called at least 5 times with no success of speaking to a live person.

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 2021-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Everybody : Read this and complain about coinbase at XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and here : Report possible securities fraud to the SEC. Call OIEA  at XXXX, ask a question using this online form, or email us at Help@SEC.gov. 

This is a public company and they can't pull this BS anymore. 

Edit : I posted a draft of this : Hi, One XX/XX/XXXX, I had purchased a cryptocurrency from the public company Coinbase. Upon purchasing the cryptocurrency, I was allowed to withdraw it like any other coin on the coinbase platform. The abbreviation for the cryptocurrency purchased was called XXXX  XXXX. 

Basically, I wanted to withdraw the currency, and was able to as well. When I was submitting my withdrawal request, coinbase gave me an estimated time of " instant '' processing time ( Can submit photo evidence ). 

However, it has already been 8 hours and I have still been unable to withdraw it. I have contacted their support and there is no response through email during market hours. Moreover, they ask for a transaction ID when contacting their specific team of support and I am not even given one. This means that the error is purely from their end and their support for other problems are not even responding. Morever, I am unable to sell or exchange that currency back to anything else. 

You could imagine, that Coinbase gave me an estimated time of being instant but I am now stuck with the option of waiting over a day without the option to cancel the transaction. For all we know, the price of the cryptocurrency might go to XXXX  and I would still be stuck holding the coin waiting for coinbase 's transaction to go through. 

This is just ridiculous and should almost be fraud in some sense. Who would be responsible for these financial losses? I want to report coinbase for fraud and deceiving lies, which should not be tolerated for a publicly operated company where users deposit their money with a platform. 

Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I am filing a complaint against TARGET/TD because they are attempting to collect a debt that I do not owe them. Account Name : TARGET/TD, Account Number : XXXX I would like for TARGET/TD to show proof of verification that I owe them {$1000.00} with the account above. To my knowledge, this account has been paid. TARGET/TD is reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: FL

Complaint narrative:
I am a victim of identity theft. Department of Education, XXXX, and XXXX all show fraudulent loans on my credit profiles that needs to be remove immediately. All Bankruptcy remarks and information are fraudulent and needs to be removed.

Company response to consumer: Closed with explanation