vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc.
State: TN

Complaint narrative:
I signed up for an account at crypto.com on XX/XX/23. I transferred $ XXXX into bitcoin on XX/XX/23 and tried to pay a wallet, but was refused to make the payment. After several attempts to communicate with customer service, they would never tell me why I was unable to make a payment. On XX/XX/23, I transferred the remaining back out {$23000.00} and sent the money back to my bank account. Since XX/XX/23, I have been trying to close my account. They keep telling me via email, they are " working on my request ''. After telling them multiple times to close my account, this was their response on XX/XX/23 : " Please be informed that such matters do require time in order for a resolution to be provided. The matter is with the relevant team and once we have an update, I will be back to inform you. '' I filed a complaint with the XXXX  on XX/XX/23 with no response from the company. On XX/XX/23 another email received from crypto.com stating, " The relevant team will soon be in touch to assist you. '' There is absolutely nothing to do except close the account. I believe they are wasting time to try and charge me a fee for inactivity. I want to be rid of this company and just want my account closed. They have multiple complaints with the XXXX  and have an " F '' rating. Had I known this, I never would has signed up for an account. Please help me close this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OH

Complaint narrative:
I checked my credit report on XX/XX/XXXX and I seen that I had been turned into collections for an apartment that was leased in my maiden name. I have been married for XXXX years. They leased an apartment in my name ( XXXX XXXX ) in XXXX Texas. The name of the apartment is XXXX XXXX. It says that I owe a total of {$8500.00}. I have never been to Texas nor do I know anyone who lives in this state. I have reported this to the XXXX main credit bureaus, filed police reports, reported to the Ohio Attorney General, and the Federal Trade Comity. I can send you guys all of my information including proof of address, ID card, police reports, and my notarized signature. Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: EAST WEST BANK

Complaint narrative:
Dear CFPD Complaints Department, I hope this email finds you well. I am writing to file a formal complaint against East West Bank regarding an ongoing issue with my account. I kindly request your assistance in addressing this matter and ensuring a prompt resolution. Please find below the complete content of my complaint : Since its opening, I have diligently adhered to all U.S. laws and regulatory requirements, ensuring full compliance without any violations. 

In XXXX of this year, I received an email from an individual claiming to be my account manager. They requested an explanation for specific transactions made through my East West Bank account in XXXX. Additionally, they asked me to provide statements for the associated accounts. However, no specific timeframe for my response was mentioned in their email. 

In a timely manner, I replied to the aforementioned email address, providing a detailed explanation and attaching the statements of the relevant accounts. Unfortunately, the email was automatically returned by the system, indicating that it did not conform to the custom email flow rules established by your email administrator. Consequently, I removed the attachment from my email and sent another reply, explaining the situation regarding the unsuccessful attachment. The subsequent email was successfully sent, although it did not include any attachments. 

However, on XX/XX/XXXX, I received an automated email from East West Bank 's system stating that my account is currently under consideration for cancellation. The email advised me to contact their customer service to address this matter. Subsequently, I promptly reached out to their online customer service. They explained that the automated email was triggered due to my failure to respond to my account manager 's email within the specified timeframe. They further clarified that my account has not been officially canceled but is currently restricted from trading. They assured me that once I respond to my account manager 's email, the matter will be reviewed, and the trading restriction on my account will be lifted accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: LA

Complaint narrative:
I did not authorize the opening of those accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I did not authorize the opening of those accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Several months ago Capital One placed my account in charge off status after refusing 2 payments in a row and 3 others as " never received '' even after I showed proof of payment. I refused to pay the balance due to the illegal actions of CapitalOne because I did not owe the balance which included interest tacked on from the payment refusals plus late reporting which damaged my credit and reputation. 

A couple months ago CapitalOne and I came to a payment agreement in exchange for removing all negative remarks from my credit history. The balance was paid in full as of 4 days ago and they are now refusing to remove the negative remarks from my credit history stating it is their policy not to. When I told them they made a promise AND have done so in the past AND they report on XXXX and in their advertising they do they claimed it was not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
I have 23 late pays on mortgage from Carrington. The payments are auto deducted. We have complained repeatedly and nothing done. I need a loan today and I cant get it because of this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
I sewed my insurance company because they didnt give me enough money for my house an now the mortgage company is holding the checks an the said they will release them as I finish the house. Well I need the money to start repairs how can I get them to release the money to me now

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 2023-06-05 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:
THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
XXXX Credit Reports on Credit Ratings are incorrect. XXXX billing department reports delinquent past XXXX payment of {$130.00}. However, no such payments were due. There is a direct debit payment plan set up with the Bank for required amount each moth. No payments have ever been missed. Also there is a past complaint of a dispute with XXXX in reference to a Laptop returned due to Problem. This complaint was filled with XXXX over 3mths ago. No credit for the amount paid for this Laptop from XXXX. Amount still showing on my account with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I discussed with a claims adjuster from Wells Fargo Bank ( NA ) Arizona ( who would not provide his name & I.D . Number ). There was a deduction from my checking account from a service of which I never received ( auto-deducted from XXXX XXXX XXXX. The claims adjuster went through my deductions from my account. XX/XX/2023 the amount of {$120.00} was deducted from XXXX from my checking account. They offered me a provisional credit.XXXX XX/XX/2023 the amount was deducted from my checking out ; yet, again, in the amount of {$120.00} of which Wells Fargo offered another provisional credit. XX/XX/2023, there were three transactions ( 2 credits of {$120.00} dollars, and one deduction/refusal of {$120.00} ). I called the bank and I told them to stop these random, and excessive, deductions from my account from XXXX. The bank agreed to block these transactions from the Merchant ; XXXX via XXXX XXXX. XX/XX/2023, the claims adjuster explained that XX/XX/2023 it was : " adding {$120.00}, and deducting {$120.00}, '' cancels the claims out. In total, per Wells Fargo Claims Adjuster, there were : " a total of 5 credits, and three deductions. '' Therefore, the bank reversed two credits, in the amount of {$120.00}, in total of : {$250.00} on XX/XX/2023. The bank never called me to warn me of subtracting this money from my checking account. Therefore, two transactions bounced, and left me with a negative balance. Wells Fargo Claims Adjuster representative, stated : " It is definitely Wells Fargo 's error, but we are not crediting your account back, and you'll incur overdraft fees. '' I believe I should not suffer financially from financial institutions errors around adjusting claims. This is predatory, and an unfair banking motive, practice, and poor, practical customer service skills on behalf of Wells Fargo. In addition, I am incurring late fees on the two auto deductions from merchants, while my account remains in a negative balance.

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 2023-06-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
There are XXXX accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX inquired on XX/XX/2022 and XXXX XXXX also inquired on XX/XX/2022. 

The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: WA

Complaint narrative:
1 ) XXXX, XXXX XXXXSent funds {$1000.00} to my account by XXXX XXXX 2 ) over the next 6 days until XX/XX/2023, I kept receiving emails that my funds have been successfully sent to my bank and I will be advised when the funds would be available. 
3 ) I called daily only to be told that there were technical hitches and that they will be resolved soon 4 ) Final email sent to me today, XX/XX/2023, said my funds were delivered into my account and that this transaction is NOW COMPLETE- I have NOT RECEIVED THESE FUNDS YET.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are credit inquiries on my credit report that do not belong to me

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 2023-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: SC

Complaint narrative:
I am a victim of identity theft from XXXX XXXX till XX/XX/XXXX XXXX XXXX unauthorized transactions was made on my account without authorization I have reach out to chime this theft was able to link there debit card number ending XXXX to my chime app without authorization the theft was able to hack into my chime app because they had stolen my phone that chime app connected to in was able to make 75 unauthorized transactions I have sent chime proof of debit card that was link to my account this theft was able to steal over XXXX out my account yes I have open multiple rebuttal because chime is not doing a good investigation I call chime to report someone has access to my debit card in they have link there debit card that is not in my name to my account without authorization in chime close my account on XXXX XXXX the credit that chime place in my account I never was able to use the funds yes they sent the {$45.00} dollars check but what able the rest of my money from 75 unauthorized transactions I have sent multiple documents chime did reopen my account back on XXXX XXXX I was trying to gain access to my account in notice the theft card was still link to my account I did not cases any fraudulent activity on my account I reported this issue to chime and they is doing nothing they close my account when I call in reported this issue thats not fair to close my account when I call in reported chime app hack in card information has been access without my authorization.I have provided the theft card information in bank information that was link to my account without my authorization in case my account to become close with chime in was able to steal my money in chime is refusing to do anything about it I was able to obtain theft documents from police

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
I called in XXXX to make payments to my 2 Barclays credit cards, I didnt have access to my accounts and spoke with a customer service member. He confirmed that payments would be made to both accounts, in which I asked twice because I had a hard time understanding him. 
I then received notice I was 30 days late, I called and was told it would be corrected and any fees would be reversed. The fees were reversed but late payment was never corrected. Ive called over a dozen times and told it will be done. Today, I called twice and after being on hold, its disconnected.

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 2023-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion XXXXsnt removing a fraudulent account off my credit report and other two agencies XXXX and XXXX already blocked this account on my credit report and send the notification to TransUnion few months ago and I send in a valid FTC report to TransUnion and the refuse to block this account which is XXXX XXXX XXXX XXXX XXXX also know as XXXX bank account number XXXX This 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 non-monetary relief