vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Have not been able to access my free annual credit report through : XXXX  Transunion I have tried multiple times over three months span and still haven't been able to access my free annual credit report even with providing all identifying information accurately.

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 2021-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Have not been able to access my free annual credit report through : Equifax XXXX  I have tried multiple times over three months span and still haven't been able to access my free annual credit report even with providing all identifying information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
An unapproved insurance service called Home Depot Balance Protector was added to my account without my knowledge or permission. I called on XX/XX/20 and canceled when I discovered the error. I was told that a refund in the amount of {$3300.00} would be returned to me within thirty days. I have called the Home Depot Balance Protector contact center on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20. Each time I speak to a specialist, I am told that I will receive a follow up by mail within thirty days. I have not received a refund. I expect to be refunded due to the unauthorized service that I did not add to my account.

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 2021-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CARD Corporation
State: NV

Complaint narrative:
On XX/XX/XXXX I checked my Card.com account and notice {$940.00} was withdrawn from my account. I called Card.com and had my card canceled and ordered another one. I disputed the charges on XX/XX/XXXX I filed a police report with XXXX XXXX XXXX Police Department case # XXXX to assist in the investigation. I feel that there will not be a thoroughly investigation. Cameras are at the location of the crime so it should be an easy investigation. Just get the camera footage. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I tried called them concerning my payment the conversation didn't go well they are very unprofessional company. Yet I still couldn't make a payment and if you look at my payment history I do very well since I had this credit. 
I've been racially profiled against from Citi shell credit card.

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 2021-04-04 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: Credit Control, LLC
State: CA

Complaint narrative:
This account was opened XX/XX/ and was closed XX/XX/XXXX. I am getting collection notices from credit control LLC on dates XXXX and XXXX that they can resolve this account for {$250.00}. It can't be claimed if it is closed. Fair collections

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 2021-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I've filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.

Complaint narrative:
Transaction Details From : Cash App ( Square Inc. ) To : XXXX XXXX Date : XX/XX/2021 Amount : XXXX Location : XXXX, MN Since I was moving out of US, I had put a freeze on my Debit card, which caused the transaction to be declined from XXXX XXXX. 

The money was expected to be returned to my cash app or at least allow me to retry the transaction. However the amount is stuck at Pending state, so I can not use it. 

I tried reaching out to Cash app support which is non-existent outside US. Their XXXX support declined to provide any help or contact details like email/phone to release this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Due directly to COVID-19, we become financially affected negativity. Capital one/Walmart creditor deferred some monthly payments until XX/XX/XXXX. I attempted on at lease 3 occasions on three separate months ago to contact Capital one to work out a repayment plan, only to each time, told they had no programs for me, to call back in 30 days Finally, in XXXX of XXXX Capital one agreed to a payment plan of {$150.00} per month starting with XX/XX/XXXX then each month thereafter on the XXXX, with auto pay, capital one taking the payment electronically on the XXXX of each month. 
Capital one, by delaying any assistance till XXXX, reported my account 30 then 60 days late. On XX/XX/XXXX I filed a complaint with XXXX  and via this organization, Capital one wrote letter, dated XX/XX/XXXX that they would remove the 30 and 60 day late reporting on my credit report. In that letter, Capital one also informed me I was on an assistance program and to continue monthly payment obligations as agreed to avoid late reporting. Latest was XX/XX/XXXX next being XX/XX/XXXX an so forth. On XX/XX/XXXX Capital one reported 30 days late on this account for XX/XX/XXXX payment. That payment was already made on XX/XX/XXXX. I have made another complaint to XXXX  and to CFPB because this company, Capital one/Walmart was bought from what use to be XXXX/Walmart. Now both XXXX/Walmart and now Capital one/ Walmart both appear on my credit report, and both reporting negative late notices that are Not accurate nor correct. This is hurting my family tremendously, from requesting assistance with 2nd mortgage application, personal loan or home equity loan. There inappropriate, false and defamatory reporting of late payments on my credit report that again is totally incorrect is forcing us to look at filing a possible bankruptcy. This is directly to the false and inaccurate reporting of Capital one/Walmart while Im trying our best to pay them back on there approved plan. Although I have reported a similar incident, this new information as to both XXXX/Walmart now bought by Capital one/Walmart is showing on my credit report as negative and lowering my fico score by over 43 points. So unfortunately and devastating to our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: PA

Complaint narrative:
Hello, My name is XXXX XXXX. I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These accounts are causing me to be denied by credit card companies. Please delete these items as soon as possible. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent via certified mail to Transunion that they are in violation of 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL ( b ) 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. I never gave Transunion any written consent to report anything on to my consumer report, no consent is identity theft.

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 2021-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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:
I sent via certified mail to Equifax that they are in violation of 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL ( b ) 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. I never gave Equifax any written consent to report anything on to my consumer report, no consent is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I made a ACH deposit on my Binance.US account of {$200.00} that was chargebacked, I thought it was my fault but it wasnt because I had funds in my account I even called my bank to check and they informed me it was not there fault. Still i settled the dispute by making a debit card cash deposit of {$230.00} on XX/XX/2021 to cover the chargeback. I have contacted Binance US multiple times since then asking for for my trading to being enabled but I have not gotten a reply, instead just 2 weeks ago I tried to log into my account and when I did I got a notice that my account has been locked!!! I have tried to contact them but I have not gotten any replys. I Payed back the money that was charged back I dont understand why they have locked me out please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
Hello, on XX/XX/2021 at XXXX I transferred XXXX xlm stellar tokens worth {$260.00} to the Binance US exchange . I was not aware that a memo was needed to complete the transfer and therefore it didnt reach my account. I subsequently contacted Binance.US and informed them of this issue by email and received an email back saying that they have located the coins although they need me to verify my transaction id along with a screenshot of the transaction and a video of me addressing what had occurred. I did this twice because the first one I sent to them was not viewable to them so they asked for a revised video. I went through the steps again and emailed them. Since early XXXX and up till now I have followed up with several emails to Binance and not one person has responded back. I would like your help to get my coins returned. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2021-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On two separate occasions in 2020, I contacted Capital One to discuss payment options as I was needing Covid assistance. Capital One customer service set me up on two payment plans. In these payment plans, Capital One provided specific dates and amounts due as per the payment plan. I followed these payment plans. However, Capital One, unbeknownst to me, continued to mark my payments as late on my credit report. I feel lied to. What was the point of the payment plans?! If it wasn't for Capital One offering the payment plan, I would have made the payments on time. Seems engineered to get more fees from customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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:
I XXXX XXXX was entered into credit transactions that I did not authorize or consent to at all.I am a victim of identity theft and I believe my information is being used by bad people on the dark web. Having these False and misleading inquiries reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my baby daughter. I ask that you please remove all these false misleading inquiries from my credit report so I can began to repair my credit and eventually get my daughter a house and brand new car off the lot like she deserves. please resolve this matter quickly. I have included a list of all inquiries and accounts that I did not authorize below along with the dates. 
My information was obtained without permissible purpose. 
15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. 
15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed below : 1.XXXX XXXX- XX/XX/XXXX 2. XXXX- XX/XX/XXXX 3. XXXX- XX/XX/XXXX 4. XXXX XXXX XXXX- XX/XX/XXXX 5. XXXX- XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XXXX- XX/XX/XXXX 8. XXXX XXXX- XX/XX/XXXX 9. XXXX- XX/XX/XXXX 10. XXXX- XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX- XX/XX/XXXX 13.XXXX- XX/XX/XXXX 14. XXXX XXXX XXXX- XX/XX/XXXX 15.XXXX- XX/XX/XXXX 16. XXXX XXXX XXXX- XX/XX/XXXX 17. XXXX XXXX XXXX XX/XX/XXXX 18. XXXX- XX/XX/XXXX 19. XXXX XXXX- XX/XX/XXXX 20. XXXX XX/XX/XXXX 21. XXXX XX/XX/XXXX 22. XXXX XXXX XX/XX/XXXX 23. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 24. XXXX XXXX XXXX XX/XX/XXXX 25.XXXX XXXX XXXX XXXX Account XXXX : XXXX 26. XXXX 27.XXXX 28 XXXX XXXX 29.XXXX XXXX XXXX 30. XXXX XXXX 31. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: eToro USA LLC
State: TX

Complaint narrative:
On XXXX XXXX, I downloaded an app for a company trading in Crypto currency called " eToro.com ''. I signed in giving all my credentials, snap of my driver license, Passport, and a selfie for my self holding my driver license all as per their request. and then proceeded to depositing a trial {$100.00} at my eToro account via direct login into my XXXX  XXXX XXXX account, then, I bought with the {$100.00} a crypto currency called Cardano ( ADA ), in the meantime I kept receiving more and more requests for my personal info that I have already summited. I got kind of spooky about this whole thing and decided to sell my position and withdrawal my fund. I sold my position for a total of {$110.00} t but, when I summited my fund withdrawal request a note popped up " We are unable to submit your request. Please contact our customer service for help '' so, I contacted customer service, Their respond was " issue is solved ''. I tried again to request fund withdrawal without success, I tried many times over and over and only receiving the note " issue solved '' and sometimes they ask me to send more personal credentials that I have already sent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Please help! I am a victim to inaccurate items appearing on my credit file and I have attempted to resolve the problem with the credit reporting agencies and my complaints are being ignored. It have been well over 60 days since I mailed my first dispute which I will attach to this complaint. My consumer rights are being violated, pursuant to Title 15 U.S.C 1681- Procedure In Case Of Disputed Accuracy, the consumer reporting agency have 30 days to do an investigation and if the items are not verified they must delete the information from my file. This is a very serious matter and it affecting my overall life by tarnishing my general reputation and negatively impacting my ability to obtain credit. I am asking that these inaccurate items in my file that I disputed are removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$170.00}, {$0.00}, {$4700.00}, {$24000.00}, {$0.00}, {$310.00}, {$260.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO LOANS OR LEASES 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$310.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$260.00} -This is not my account. 

8. XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.

Company response to consumer: Closed with explanation