vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-11 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Under 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

2 ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX XXXX XXXX XXXX never gave XXXX written consent to report anything on my consumer report, No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of this account. Immediately. I, XXXX XXXX the executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Unifin Inc.
State: NC

Complaint narrative:
Became totally XXXX, lost my home and all income sources. I explained this to credit card companies, that I no longer have the means to pay the debt. Most said they would charge off account. Now between 20 & 25 yrs. later, I'm threatened with judgement & severely damaged credit rating, as of yesterday, from XXXX to XXXX, excellent too poor now. The original debt was $ 5K on the card, Now they want $ 12K. I explained to all debt collection agencies, I no longer have the financial means to pay the debt owed. The financial, physical & mental hardships have been insurmountable & only becoming worse as I age. I never asked to be here in this situation, but still being abused for something I never wanted or asked for. I want a counter claim for damages for abuse of the XXXX & elderly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
MONEY IS BEING TAKEN OUT OF MY ACCOUNT AND BANK DOESNT KNOW WHERE ITS GOING

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WINNPOINTE CORPORATION
State: CA

Complaint narrative:
This is a followup to the complaint XXXX ( filed on XX/XX/XXXX ), which includes the following response from the company -> " You are also owed 1 day of interest credit from XXXX ( XXXX ) since it was paid off on XX/XX/XXXX. I anticipate receiving their response by Monday XX/XX/XXXX. '' I have not received the {$11.00} amount yet even after almost 4 months.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-11 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: MN

Complaint narrative:
I have requested the inquires be removed for months now. TRANSUNION has failed to send proof that these inquiries belong to me. Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship.

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 2021-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
my credit score was XXXX 8 points from XXXX which is my bucket list dream before i buy my house and car this year. my credit has been the same for the last 12 months three credit cards all paid on time. on XX/XX/21 experian dropped my score 45 points for no reason. i had the same 3 credit cards i had last month and all three have a XXXX balance this month and i did use my cards but i just paid them off by the end of the month. there was and is no reason to drop my score 45 points for no reason. 
experian refuses to show my credit approval or credit on my XXXX XXXX plat card which is XXXX and ive told them this 20 times over the year. 
last XXXX experian took 5 points for no reason again.

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 2021-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been receiving calls from XXXX XXXX XXXX XXXX XXXX stating that if I did not return a call that I would be served with a complaint and sued. I called the number a guy said that he was collecting a debt from Bank XXXX from XXXX and that the last payment activity was XXXX. I said no that is was incorrect. Please to stop calling me and they have continued to call and now a new collection account has been placed on my Transunion credit report in the amount of {$570.00}. I disputed it with Transunion. No other credit bureau is reporting this. 


I have heard from other victims all over the country who are dealing with the same issue.

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 2021-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Tried to have a fraud alert removed online with Equifax. You have to call or mail them to have the fraud alert removed. When you call there is no option to have the fraud alert remove. I called multiple times to speak with a representative and unable to get through to a representative. The next step I took was to write Equifax to have fraud alert removed. I provided the required documentation. They wrote me back about extended the fraud alert when I explicitly told them to terminate the fraud alert effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
Barclays bank had a computer issue that did not process scheduled " repeat payments '' and then charged the consumer a late fee and interest charges. This was not completed without talking to the company to correct the issue. I was on a repeat schedule on the XXXX of every month of {$100.00}, they failed to process it ( on XX/XX/21 ) and was charged fees {$29.00} & {$1.00} on the XXXX. During my phone call with Barclays I authorized the payment for the normal amount of {$100.00}. They fraudulently charged a second payment of {$100.00} on XX/XX/21 and are not willing to send refund to me at this point. I am being told this could take up to two ( 2 ) months to receive the payment back to m. his could cause secondary issues with paying my other bills causing late payments or " refused/denied '' payments from my bank for other bills such at housing and transportation. Barclays continued to disagree with my statements that their charge of the second {$100.00} on XX/XX/21 was unauthorized and therefore fraudulent. They refused to help and continued to state that their protocol was to take this " normal '' amount to time to resolve the issue, which I completely disagreed with and again requested my reimbursement to be received no later than Tues XX/XX/21.

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 2021-09-13 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX and XXXX XXXX was the same request to resolve and issue I called on XX/XX/2021, to inquire why they were on my credit report as a hard inquiry, they sent me a letter. When I got the letter to see why I got the hard inquiry for their card when they did a SOFT inquiry without my approval. That is when they checked the file on XX/XX/2021 to see what was happening. This apparently resulted in another HARD inquiry just for finding out what was happening with my application on file. I will agree, I do not understand how most of these credit card companies work. Please help me and remove these two hard inquiries off my credit report. This was not fair and not authorized to place a hard inquiry on my credit report. Please help me and delete both inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA Violations ; Not mine ; names, numbers and accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE LA XXXX XXXX DE LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX FCRA Violations ; add payment history : XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX U S DEPARTMENT OF ED XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: MN

Complaint narrative:
Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: CA

Complaint narrative:
I have a bankruptcy on my report that is 7 yes old. I disputed I with XXXX and they removed it Experian will not.

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 2021-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a business account with bb & t and decided to open a second account with suntrust account was Opened deposited XXXX cash and both accounts were closed for suspected fraud claim my information didn't match now I have over XXXX XXXX tied up between 2 banks they are holding my money hostage I have bills a business to run I will be contacting my lawyer I feel asf if this is racially motivated because I've had a bbt account since XXXX no problems I am a business owner everything is on file said the money is apart of investigation when I took XXXX cash from 1 Bank n took to the other what is fraudulent about that

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 2021-09-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Social security was sending my direct deposit into a savings account and not a checking account and the reason why I feel that Wells Fargo bank has taken advantage of me and the other customers and consumers by opening up fake accounts with out the permission of the consumers and customers permission and authorization of those customers and consumers knowledge.wells Fargo bank was fined XXXX XXXX dollars for XXXX XXXX accounts with out the permission and authorization of those customers and consumers knowledge. A past employee that worked in the fraud department XXXX XXXX said that Wells Fargo was closing accounts that never should have been closed. Another thing that happened is that this husband and wife was charged over {$100.00} dollars in fraud this couple had trusted Wells Fargo to help this couple to become financially stable and that trust was not returned. This institution is supposed to be a professional institution but instead Wells Fargo bank has lost the trust of Wells Fargo bank. I can see now that Wells Fargo bank can care less about helping people and consumers and customers by taking advantage of people that are on a fixed income and people that are disabled and struggling just to provide for their families and loved ones.wells Fargo bank has lost the public trust. This institution is a sorry excuse for a professional institution. And I appreciate those heroes for standing up for not only me but for the other customers and consumers that trusted Wells Fargo bank to help those consumers and customers to become financially stable. And now I see how that because of all these illegal activities that Wells Fargo bank wanted those past employee of Wells Fargo bank and has been fired because of tell the truth about all of these illegal activities that they wanted those bankers to participate in.

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 2021-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
This complaint is directed towards CoinBase global. Full disclosure I was not materially affected by this situation, but I did witness this situation take place and am submitting a complaint on behalf of everyone who was harmed because I want to add my voice to a call for CoinBase to do the right thing and make their loyal customers and investors whole. 

CoinBase recently listed the crypto token Shiba Inu on their CoinBase pro trading platform. Due to their botched rollout of the token, the price tanked and cost those buying the token on their platform most of their investment within seconds. 

Specifically what happened. CoinBase allowed purchase of Shiba Inu on their platform but not the inbound transfers of shiba Inu from other exchanges or external wallets. This caused the price of shiba into to become inflated far beyond its market value as traded on other exchanges. 

CoinBase stated that there was a technical problem with inbound transfers of shib, but failed to protect their customers in any way, by closing trading while the technical issues were fixed or closing their traders positions before they took actions which would crash the price -698 % in 1 hour. 

Eventually CoinBase would announce that inbound transfers of Shiba Inu would be accepted and the bubble in price of shiba Inu that exited on CoinBase popped as shiba Inu tokens flooded into coinbases exchange from outside exchanges and wallets. 

I do not believe that CoinBase intended for their customers to experience losses in this way, but it was their actions that appear to have caused significant pain for many people. As soon as I witnessed the price drop on my CoinBase pro account I went to CoinBase pros XXXX account and read a litany of complaints from people who lost a significant amount of money. If CoinBase does not compensate these people commensurate with their losses then CoinBase is contributing to a negative image of crypto as a whole. 

I continue to use CoinBase for my trading activities and as stated previously did not personally suffer materially losses from this situation. 

I simply want to call on CoinBase to DO THE RIGHT THING! And make people who were ensnared by this situation whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I never applied for Navy Federal Credit card, I reported my identity was stolen previously to the Police and the FTC and there was no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc.

Complaint narrative:
Dear Sir/ Medam I am a small virtual currency investor. I have a accounts with company called Blockchain wallet. On XX/XX/2021 I was in a text message conversation from my laptop with the customer advisor from Blockchain wallet. On same time I have received a text message on my phone to upload my ID and a selfie to verify my Blockchain wallet. 

Couple of hours later I realised some of my funds has been transferred from my blockchain wallet with two unknown transactions which hasn't been done by me. 

I contact with the wallet provider unfortunately they are not helping me at all. On their response they said my wallet has been compromised. 

Later I requested them to transfer my rest of the funds to somewhere in safe. Blockchain advised me to open a new wallet. I opened a new wallet followed with all the instructions from blockchain wallet. Unfortunately I am not getting any response from them. 

My rest of the funds are locked on my blockchain wallet. 

Please help me to come out from this situation. I am sending this to you as because I received the text message from USA also there was a attempt to login my blockchain wallet account from USA. 

If you require anythings to know please contact with me. 


Kind Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I purchased what was described as 2 calfskin leather purses, being sent from XXXX XXXX. I purchased them from a vendor on XXXX. I payed using PayPal credit. The amount was {$640.00} on XX/XX/2021. When the items arrived, they were plastic, horrible smelling knock off bags sent from XXXX. The vendor had closed their on line store through XXXX so I was no longer able to reach them. I disputed it through XXXX, who did confirm it was fraud. However they said bc I purchased through PayPal I had to deal with them. The first people I dealt with at PayPal said yes, it looks fake, and to return the items. But the return address they gave me had only a city and province in XXXX. No address or name. PayPal customer service kept telling me to just send it, as long as I have a tracking number it doesnt matter. But the post office cant send a package with no name or address. They even made me get a note from the post office saying that. Then they passed me off to the credit department, synchrony bank. They closed the dispute twice stating, you didnt return the items. I kept saying you guys refuse to give me a return address! So I opened the dispute for a third time. I never get any of their correspondence mailed as they are supposed to, but I just got a delinquent notice emailed. I opened it to see that they denied my dispute again stating the seller sent in his policys and it says I was to deal with him. I have no contact to reach him, the on line store was closed! So how could I reach them? Further this was already deemed as fraud by XXXX and PayPal ( when they said I just needed to return the items ). Synchrony banks response also said that the proof given by the seller was attached, but it wasnt attached. PayPal/synchrony bank has the sellers contact information, has never provided it or asked for a correct return address. This has been the most ridiculous experience. I have spent so many hours over the months on the phone trying to deal with it and ultimately end up sobbing because Im so frustrated. I will happily return the garage merchandise, I need an actual return address, but I refuse to pay over {$600.00} for plastic garbage from XXXX with paint all over it.

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