vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-10 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: PA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX IN received a EIDL grant for my small lawn service that I currently own and operate. The loan amount was funded by through XXXX XXXX, a small lender. Being that all of my earnings were sent and deposited directly into my personal account the grant was able to be deposited there as well. Almost instantly my account was placed hold " No debits '' status. Suntrust/Truist placed an holdon my account pending the verification on the account. I submitted paperwork to the lender proving that the account was opened before XXXX XXXX, XXXX. MY account was established XX/XX/XXXX. I called the fraud department as well as visited my local branch as directed by the customer service representative. The representative that I spoke with told me that I would have to visit my nearest branch. After visiting my local branch, the local branch advised me that a bank representative needed to call in to the fraud department to verify my identity. Once at the local suntrusts branch, the representative was told the sam things that I was told, That no information can be given over the phone. This has been an on-going process. On once occasion I observed a Suntrust/Trusit customer receive the same grant that I do, he wasn't questioned his demands were met with no hesistation. I am A XXXX veteran and ALL of my XXXX payments were going to my Suntrust account prior to this incident. I will no longer be banking with Suntrust/Truist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
As of XXXX of 2021 I have made several attempts with the credit bureaus to remove the bankruptcy of my credit reporting profile as this is a violation and I have rights t my privacy. I know my laws and have rights to have it remove. A second letter was send out to the bureaus since XX/XX/ 2021 and still no response I need this DELETED ASAP.

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 2021-08-10 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:
On XXXX, I ordered an item XXXX XXXX ( yellow ) on store card account XXXX. 
todate, i have " not '' received the item, but, amazon - sychrony has Prematurely billed me for the amount of XXXX, and, made threats of forwarding information To credit bureaus.

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 2021-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FISERV FINXACT CORE
State: SC

Complaint narrative:
I am a victim of identity theft and fraud. 
XXXX XXXX is a online sports betting services. I used my debit card ( XXXX  ) to purchase a betting slot on XXXX. The funds were readily available in my XXXX  account but instead XXXX XXXX sold my information to a 3rd party debt collector called TRS Recovery Services , Inc a few days later. I have never had any relations, contracts or dealings with TSR Recovery until now. TRS Recovery Services, contacted me XX/XX/2021 in attempt to collect a debt. They DEMANDED that I pay the balance in full & that If I did not pay the full balance promptly, then they would assign the file to one of my collection agents for follow up. They continued by stating that the Agent would attempt to contact me by telephone and make recommendations for further collection act. 
These are all violations to my consumer rights according to the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: CITIBANK, N.A.
State: AR

Complaint narrative:
On XX/XX/XXXX I responded to an online ad for skin cream by XXXX. I purchased a trail size skin cream and a trial size eye cream for {$5.00} and {$4.00} respectively. I paid with my Citi credit card. On XX/XX/XXXX I saw two charges for {$89.00} and {$87.00} on my card. I reported the fraud to Citi and they came back saying I had agreed to an ongoing subscription and therefore it was my fault. The two websites listed on the credit card statement clearly showed that purchases were a subscription and outlined how much would be charged, however, I never went to either of those websites. I went to one website through an ad on XXXX and purchased both at the same site. There was no mention of subscriptions on that site. I read the terms carefully. It was supposed to be the on- time purchase of a trail size product.I have an email confirmation of shipping from XXXX. 
I initially made a fraud complaint against the vendor for charging my Citi card with merchandise I didn't order. ( FTC complaint # XXXX ). I notified Citibank by phone and they said I had agreed to a subscription, which was false. The websites noted on the charges on my statement clearly show the subscription amount, but the website I ordered from had no such disclaimer. I sent all this information by mail to Citi bank with a request that they reverse the charges. In addition to not ordering the items, I never received any. I received my return receipt through the mail on XX/XX/2021 and Citi has failed to respond. They are complicit in this fraudulent activity. FTC Complaint # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: NY

Complaint narrative:
Reference to XXXX  XXXX XXXX correspondent date on XX/XX/2021 agreed to remove the inquiries date on XX/XX/2021. Consumer Reporting Agency denide to remove it and fix my credit score ( Increase ) as it should be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CHARLES SCHWAB CORPORATION, THE
State: TX

Complaint narrative:
My wife passed on XX/XX/21 and has account XXXX with Charles Schwab Bank which contains {$100000.00}, Account XXXX with {$29.00} and I have not been able to get them to forward the funds. It is their reference number XXXX XXXX XXXX XXXX XXXX. They set up a call to me and forwarded the forms to complete plus sending them a copy of death certificate and the letters Testamentary. This was done and forwarded on XX/XX/21. XXXX XXXX is the person I have dealt with and they will not return a call. I forwarded the forms again on XX/XX/21 via fax and have had no response. 

Would appreciate any help you can give me on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
On XX/XX/XXXX I received information regarding a streamline refinance with Freedom Mortgage. Everything was approved and closing was scheduled for XX/XX/XXXX. Since I pay my payment bi-weekly and the XXXX payment wouldn't be completed until the XXXX, I was told to wait until XX/XX/XXXX to complete my closing. I was also assured that my automatic payments would be stopped after the XX/XX/XXXX payment. I was never informed that I needed to go in and stop the payments. I asked this on several occasions. Well my loan closed on XX/XX/XXXX and funded to the account on XX/XX/XXXX. I looked at my account and saw that the ACH had not been cancelled out yet and I took the steps to cancel it myself. I received an email that day that it the cancellation had been processed and no further payments would be taken. On Monday XX/XX/XXXX a payment of {$670.00} was withdrawn from my checking account. I called customer service and was told that I needed to submit a copy of my bank statement to initiate a refund. I could not submit a printout from my online banking system, but the actual statement, which does not come out for several weeks. I attempted to contact Customer service through XXXX and was told to send an email for them to review the account. I was contacted this morning by XXXX XXXX who told me that I have to wait 15 days and a refund will be processed. I asked why I have to wait 15 days when they took the money immediately, when they were not supposed to take anything. She was condescending and blamed me for not stopping the payment sooner. She then told me to contact customer service again. She is the most unprofessional one I have ever talked to at Freedom Mortgage and she should not have a place in any customer facing department. I am now waiting on the return of my money which could be anywhere from 15 to who knows how many days. I inquired about who was going to cover my other bills while I am waiting on these funds to be returned, and again I was blamed for the issue. Very unprofessional.

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 2021-08-10 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: MA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: OH

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I refinanced my Chase Auto loan to XXXX. XXXX sent payoff to Chase via XXXX  and it was received on XX/XX/2021 ( tracking and proof of delivery attached ). Chase has been unable to locate the payment and has not processed the payoff check despite multiple calls and providing all requested info.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
On XX/XX/2021 at XXXX I received a call from Coinbase customer service ( See call log attached from initial complaint ). The rep stated that there was suspicious activity attempted on my account. At that point I told the rep to disable my account. After my account was disable, It took over 21/2 Months for Coinbase to allow me access to my account. They stated that at XXXX unautherized transactions were made from transferring out ( At today 's value over $ XXXX in crypto from my account ). They stated that someone sent a text message and was able to gain access/clone my account to access my login, password and 2 factor authentication. My two factor authenitaction is XXXX XXXX which changes every 30-45 seconds. TO gain access to this app my phone/SIM card would need to have been Cloned. I confirmed with my service provider XXXX XXXX XXXX that my acoount was NOT clone. They stated that if that happend, my service would have 100 % been interrupted and I would have had to go into the XXXX XXXX XXXX service center to restore my service, I DID NOT HAVE ANY SERVICE INTERRTION ON MY PHONE!. In addition, Coinbase stated that the call a received from their number was not them, that the Hacker cloned their number and called my to inquire about suspicious activity on my account THREE hours AFTER that took my crypto, which makes NO sense.

1. I have confirmed with XXXXXXXX XXXX XXXX that there was not suspicous access to my phone at ANY point 2. COntacting XXXX, of which Im sure they will confirm that the method that Coinbase stated my account was accessed that they could not have accessed my XXXX That only leaves that my Account was hacked from the Coinbase Network which I know they claim their network has Never been hacker to get customer info. The reality is that their findings on how my account was compromised is NOT true.

I am want Coinbase to RESTORE every Crypto that was taken from my account because my account was NOT compromised from my end!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have been reporting frauds in my savings and checking accounts. 
Reporting to FBI and police : I have previously been a victim to chase XXXX wire fraud XXXX XXXX XXXXXXXX XXXX 2019. 

citi bank has illegally CREATED A VIRTUAL CARD .In which has damaged my credit report. They are refusing to provide me with these numbers and verification of closed account. 
I was told yesterday. They were faxing a letter to provide my lender : in which they never complied. I have over XXXX worth of false charges. They refused to change the numbers on account. They are not crediting me for these frauds. 

I am in the process of losing my loan agreement. ( as I did not grant permission to open this ) it was a result of a 8 digit expiration date that is creating glitches in the merchants machines. 
As a result of this fake virtual account : if I have to take early from my ira to buy the property. I will have tax penalty that they will be accountable for, This month and last I have damages of {$4000.00}. 
This is wire fraud and account tampering. as well as not following a customer directive with my own money. Its bank robbery and the management need to be accountable. For this on going harassment 6 yrs. 

I am living in a hotel XXXX waiting to close and citi won't provide the paperwork delaying me 1 week all ready at a cost of XXXX a day.. 

THIS HAS BECOME A DAILY FULL TIME JOB> I need help!!

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 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2021 XXXX has removed all late payments from XXXX XXXX XXXX XXXX after conducting an internal investigation. I attached the letter here. I also attached my bank statement from XXXX  XXXX XXXX proving I was never late with XXXX XXXX XXXX XXXX. I have also attached a copy of the Consumer Report I filed with Federal Trade Commission against XXXX XXXX. I have also attached my proof of identity. And finally, I attached a Cease and Desist against XXXX XXXX. XXXX XXXX is to cease and desist all forms of communication with me though any and all mediums. The harassment from XXXX XXXX has to stop!! A consumer report is in fact a medium. Which means it's a communication. A deletion of XXXX XXXX account is required because by continuing to report this account on my consumer report it is a indirect communication.

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 2021-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC
State: NY

Complaint narrative:
My credit report has been recently affected due to an account I am unaware of going to collections from XXXX. I disputed the account with credit report companies and was told that I owe ATG CREDIT {$250.00} for an unpaid cable bill from XXXX XXXX XXXX. I contacted ATG and they said they could not share any information regarding the bill over the phone and had an email on file that was not mine. They then said they have " disputed '' the charge and will send me the bill through mail. I contacted XXXX  XXXX XXXX and they have never serviced any of the buildings I lived in nor have any information about my " account ''. They looked up my name, addresses and nothing has showed up. I don't understand how I am just not being notified about an account in collections from XXXX. I've never missed a payment on anything. This is clearly fraud and the people at AGT Credit are extremely rude and unhelpful. XXXX  XXXX was extremely helpful in that they searched everywhere for my information/account and nothing showed up. They were eager to help me but had no information about this debt to even understand where to begin.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

3. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

5. Identity Theft XXXX  Account Number : XXXX This is not mine.

6. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

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 2021-08-10 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: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I have repeatedly requested verification of this account and have not received anything regarding my request. This company is listing this as a chargeoff 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