vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
I opened an account with Gemini Trust Company LLC ( lheadquarters at XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, New York XXXX ) through a downloaded app. 
This was to purchase digital assets. I used XXXX verification to link my bank account with XXXX XXXX XXXX to the app so I could fund the app. On XX/XX/XXXX Gemini withdrew XXXX dollars twice the transaction number is XXXX XXXX  and XXXX XXXX  Then on XXXX XXXX for XXXX dollars trans # XXXX XXXX  DXXXX XXXX  XXXX  dollars Trans # XXXX for XXXX dollars On XXXX XXXX for XXXX dollars XXXX, XXXX for XXXX and XXXX for another XXXX these XXXX withdrawls have the same transaction # XXXX. A total of XXXX dollars USD. I did put a hold on my account. 
My Gemini account has been frozen since XXXX XXXX. I have contacted customer support by email XXXX times. Each time they give me a ticket number from an automated response. At XXXX point i took it upon myself to email the a picture of my drivers license. I then got a response that they could not accept that. I would have to use a drop box and take a picture of me holding my license and a pad of paper with that day written o n it and a code they had given me. I followed the directions to the letter. Then no response. 
I have filed a report with the XXXX XXXX XXXX XXXX at XXXX  on XXXX XXXX Report # XXXX XXXX XXXX XXXX XXXX  on XX/XX/year> Report # XXXX Florida Attorney General on XX/XX/year> I didn '' t get a number for that. 

I have not recieved any answers from those agencies. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Havent been able to get my score or report from transunion for over 2 years

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX of XXXX, I received a phone call from someone claiming to be a representative of my bank, Bank of America. They stated my debit card information was used in various fraudulent activity. As a result of this phone call, my bank accounts and credit card were used in 3 fraud transactions. A wire transfer was completed, a cash advance was taken out against my credit card and a zelle payment was processed from my checking account. After dealing with this scammer, I found out he was in fact not a bank representative as I received a phone call from my actual bank due to the various transactions that were occurring. I filed claims on the 3 transactions that day. I received money back on the zelle transfer that occurred almost right away. After speaking with my bank for consecutive days in a row for over a week to ensure everything was taken care of, I discovered later everything was in fact not taken care of. I called about a month later to find out that one of my claims ( the cash advance that was taken against my credit card ) was never filed even though I was assured by numerous representatives that it was. Almost 2 months later I received a letter stating that my claim for the large wire transfer was not approved. The only explanation in the letter was that the money could not be recovered. I was devastated when I read the letter as that was my entire life savings that was now gone. This whole situation has been a complete nightmare and I have completely lost faith in my bank. When something like this happens, people rely on their bank to let them know what to do and how to proceed. Upon filing claims, I was transferred an obscene amount of times, all with the excuse of, " That's not my department. '' Seems I never ever got to the right department. Banks are supposed to keep our money safe but as a result of everything I went through, I no longer trust Bank of America. If it wasn't for not wanting to go through the hassle of closing my accounts and getting my bills transferred to new accounts again, I would completely leave this bank and go somewhere else that I can trust my money with. Bank of America has completely let me down and it appears there is nothing I can do.

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 2024-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
My wife XXXX XXXX XXXX and I closed on a new mortgage loan with XXXX XXXX on XX/XX/XXXX. Per the rate environment, we entered into a XXXX XXXX of the same date. Said Agreement allowed for the reduction of the interest rate for the next XXXX ( XXXX ) years. Based upon the rate and term, the XXXX payment was {$XXXX}. By letter dated XX/XX/XXXX, we were advised by XXXX XXXX that said loan was being transferred to XXXX Mortgage effective with the XX/XX/XXXX payment. On XX/XX/XXXX, we recevied a letter dated XX/XX/XXXX from XXXX announcing the transfer from XXXX XXXX. We tried to make the payment online yet that did not work. So we contacted the XXXXXXXX XXXX XXXX number to be advised they had the loan yet it was not setup on their system, therefore, they asked we call back another time. When we called back days later, ( before any late charge date ) they advised us the payment amount was {$XXXX}. I spoke with a Customer Service rep who advised us that was the payment in their system and same could not be changed. I asked if they access to the loan documents as the rep responded " I can review ''. We held on the phone while they did a review. He came back on the phone and agreed with the paymet amount we had given him yet he said he must have this reviewed by another deppartment. Again, the process continued. Without resolution, we received a " Welcome to Chase '' letter dated XX/XX/XXXX. This letter stated they are now the owner of our mortgage and payments are to begin coming to them on XX/XX/XXXX. My wife contacted Chase by phone to be not well recieved. The call was supposedly recorded. The rep was very rude and condescending. She provided, still, the incorrect payment information. We have never been late and are most assuredly current. By letter dated XX/XX/XXXX from Chase, they asked if we were experiencing difficulties with our mortgage also providing the wrong payment amount. Having been in this business in excess of XXXX  years, the way this has been handled by both XXXX and Chase have been disgusting. The transfer process should never be this cumbersome, rude and most assuredly inept.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: VA

Complaint narrative:
PNC Closed my account that after its maturity on their side. And mailed me a check without letting me know. The account were closed on XXXX PNC did not give me the option to extend my CD nor withdraw money from the counter but have to wait for a XXXX XXXX XXXX check And this caused me waited extra XXXX weeks before I receive my principal and interests. Total of XXXX $ During this XXXX weeks I lost the potential interest, my lose was estimated around XXXX XXXX 
Thats being said, if PNC let me to withdraw the money from counter or extend it instead of mail me a plain mail. I could deposit this amount to other banks earlier and start to earn interests from an earlier date My CD account associate with my phone number XXXX, XXXX cant access online banking so I cant find this account number

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Im trying to see my Equifax report from my free score now.com and Equifax has my report blocked and I need it to be unblocked Now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
SEE ATTACHED FOR LETTER TO EQUIFAX IN REGARDS TO INACCURATE LATE PAYMENTS WITH XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion has on my credit report an XXXX XXXXXXXX XXXX account for {$XXXX} the original creditor is unknown and the creditor contact is unavailable. there also is an account for XXXX XXXX XXXX for {$XXXX}. original creditor is unknown and the creditor contact is unavailable. i requested that said accounts be removed from my credit profile as there is no way for me to contest the validity of said accounts absent the original creditor information. TransUnion has refused to remove said accounts from my credit profile for reasons unbeknown to me. TransUnion also reports an account from XXXX for {$XXXX}, XXXX. I voluntarily surrender the vehicle following a no-fault accident and at the time of surrender the vehicle was insured. I notified TransUnion that the vehicle was paid off by insurance but TransUnion continues to report said account on 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 explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
The checking account was permanently restricted with my balance inside, in XXXX  and i was told to wait 180 days but no response from the company. i even called for support.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting 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: TN

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT CONVERGENT ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
, HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602A, STATES I HAVE RIGHT TO PRIVACY.

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

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT CONVERGENT ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602A, STATES I HAVE RIGHT TO PRIVACY.

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

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Someone used my identity and attempted to purchase vehicles and kept trying hoping to succeed. this resulted in many unauthorized inquiries on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc.
State: OK

Complaint narrative:
Someone used my identity and attempted to purchase vehicles and kept trying hoping to succeed. this resulted in many unauthorized inquiries on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like this item investigated l. The inaccuracies are highly injurious to my XXXX XXXX. 
Account XXXX XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of credit report after your investigation. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Oral contracts and open-ended accounts ( including credit cards ) Florida statute of limitations on debt collection is four years. they keep renewing and pushing the date out and continue to destroy my credit which is illegal in the state of Florida! I have contacted an attorney he has told me to publish this with CFPB as he knows Im a XXXX Veteran with a XXXX, so XXXX XXXX and on XXXX. Its From XX/XX/year> XXXX  for {$690.00} should be illegal to buy XXXX debt!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: OR

Complaint narrative:
The Company Amsher Collection Se added a collection account to my credit report on XX/XX/scrub>XXXX XXXX 
I have never received ANY communications from this company before the communication 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 2024-12-16 00:00:00
Product: Credit reporting 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:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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