vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: MD

Complaint narrative:
Hello, I was attempting to withdraw my XXXX XXXX XXXX XXXX to my hardwallet on Sunday, XXXX XXXX, 2022 and was receiving the following message : Sorry, this ETH withdrawal can not be completed at this time. Reason : Security hold. Contact XXXX -I immediately contacted XXXX, the representative informed me I needed to submit some documents via a 'safelink ' but would not tell me why but to let them know once the upload is complete, and they'll be happy to expedite my case. -I submitted a single photo that contained the following : 1. A view of your full face 2. Your ID that was used to register with Gemini. 3. A handwritten note that states the current date and says [ XXXX ] underneath as requested early morning on XX/XX/XXXX22 via the link : https : XXXX -I was told on the morning of XX/XX/XXXX22 that the representative is working with his team to resolve my issue regarding my account restriction. He will be sure to follow up as soon as he have the next steps. 'If you have any questions in the meantime or any additional details you think would be helpful, please feel free to reply to this email. ' -I replied to the email on XXXX, XXXX ( morn ), new ticket XXXX, emailed XXXX on XXXX, XXXX. - no responses. 
-I also sent DMs per their twitter to @ GeminiSupport and @ XXXX XXXX the owner ) - no responses. 

The Gemini Points of Contacts are : XXXX and XXXX, twitter accounts are @ XXXX and @ geminisupport. 

Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: KY

Complaint narrative:
My account was locked due to an ACH transfer with a chase account i had and tried to make a transfer. my transfer did not go through because my chase account was already restricted and closed I have sent them all the documents they have asked for to verify my identity on my account and the protection team only emails me back responding with the same response. have been having this issue for over 3 months and only getting the same responses have went to chase branch for a representative to talk and explain to them and tell them there's no account ending in XXXX or on my name with chase the only account i had was ending in XXXX and I've sent all the documents to verify my identity. my bills have been late my credit score has went down need to get access to my money and account ASAP. has been the worst customer service financially

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX  Accounts # XXXX, # XXXX, # XXXX and XXXX XXXX  have violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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.

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 2022-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Dear CFPB : I assisted my client in obtaining the attached modification. He does not speak XXXX. He signed the modification and it was received by the lender. He made payments on time pursuant to the agreement. The lender allegedly decided they needed to send a notary to his home to obtain a notarize copy. I am licensed notary. They allege they contacted the client by cell phone and left XXXX messages. My client always asked for XXXX representative when calling on his loan. They never called or emailed my office. They also never sent me a letter regarding the need for a notary. The package I received did not contain a notary. They are now trying to withdraw the modiication offer although the client is ontime with payments and has not defaulted. 

The Fair Housing Act makes it illegal to discriminate against someone because of race, color, religion, sex ( including gender, gender identity, sexual orientation, and sexual harassment ), familial status, national origin or disability at any stage of the mortgage process, including : Approvals and denials. 

The lenders actions in this situation are in violation of the Fair Housing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TrueAccord Corp.
State: FL

Complaint narrative:
XX/XX/XXXX A " XXXX XXXX '' called and my son regarding case number XXXX and threated to go to my place of work to arrest me. They used my married name. There is nothing in my credit report that applies to the debt they are claiming. I don't know what it is regarding. I was contacted on XXXX with a similar call and no threats. The company was XXXX XXXX XXXX over a debt from XXXX in XXXX. I have never had anything in collections from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX will not provide original bill showing additional fees. All medical debts were/have been paid in full through XXXX XXXX XXXX No medical debts should be on my credit reports. I've already contacted doctors and hospitals that show all billing paid in full including the anesthesiologist. I do not owe {$250.00} for any services. I demand removal of this account from my Experian collections/credit report. This follows a complaint to the XXXX  as well. XXXX and XXXX have validated and removed accordingly.

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 2022-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Diverse Funding Associates LLC
State: DE

Complaint narrative:
The company has violated my consumer rights pursuant to 15usc 1692 ( f ) unfair practices, 15usc 1692 ( g ) there was no validation of debt, pursuant to 15usc 6801 the company violated my personal information. Also sharing my information without my direct consent. Illegally trying to collect a debt while being a third party debt collector.

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 2022-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: GA

Complaint narrative:
This company continues to report fraudulent charges on the account. Ive sent several ftc and cfpb complaints. Why is this account still reporting on my credit. Im advising Discover to remove the dispute status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX sent debt to XXXX XXXX XXXX. Will not provide original bill showing additional fees. All medical debts were/have been paid in full through XXXX XXXX XXXX No medical debts should be on my credit reports. I've already contacted doctors and hospitals that show all billing paid in full including the anesthesiologist. I do not owe {$230.00} for any services. I demand removal of this account from my Experian collections/credit report. This follows a complaint to the BBB as well. XXXX and XXXX have validated and removed accordingly.

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 2022-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was contacted for a remote job position at XXXX via email, the email address the person or group of persons used was XXXX. The job position was XXXX XXXX XXXX was required to fill out a questionnaire about my knowledge and experience. I was later informed that I was selected for the position. I was sent XXXX checks to deposit to paying for office equipment to furnish my home office. After the amounts were in my bank account I was then instructed to pay XXXX vendors via XXXX and bank transfer. 

XXXX XXXX using the email address XXXX through XXXX and XXXX XXXX through check. 

Client name : XXXX XXXX Bank XXXX XXXX XXXX number : XXXX Routing number : XXXX Checking account XXXX check for {$4900.00} was received on XX/XX/2022 and deposited into my JPMORGAN Chase bank account. On XX/XX/2022 I was instructed to pay {$1800.00} to XXXX XXXX and {$3100.00} to XXXX XXXX. These amounts were sent XX/XX/2022 A second check was received XX/XX/2022 for {$4700.00}. On XX/XX/2022 I was instructed to pay {$1800.00} to XXXX XXXX and {$2900.00} to XXXX XXXX. These amounts were sent XX/XX/2022. 

On XX/XX/2022, after sending the payments to XXXX XXXX and XXXX XXXX, I was contacted by the Chase Bank. The bank personnel indicated that the transaction and situation seemed suspicious and that I should look further into it. I contacted XXXX via a phone number listed on their website. The representative informed me that they do not use email addresses XXXX, their email address would XXXX. 

I reported the issue to Chase Bank and XXXX. The Chase Bank indicated that they canceled the transactions done on XX/XX/2022 of {$1800.00} to XXXX XXXX via XXXX and {$2900.00} to XXXX XXXX to his bank account number. The transfer to XXXX sent on XX/XX/2022 would be cancelled. The XXXX transfer to XXXX XXXX sent on XX/XX/2022 had already gone through and they would not be able to cancel it but would try to dispute it. 

JP Morgan Chase Bank later indicated that the checks I received and deposited into my Chase Bank Account were found to not be genuine checks resulting in the amounts {$4900.00} and {$4700.00} being taken from my account. Chase Bank also indicated that no action will be taken to recover the {$1800.00} sent to XXXX XXXX on XX/XX/2022 and their inquiry into the issue was resolved. 

The amount of {$1800.00} transferred to XXXX XXXX through XXXX was not recovered by the bank. This is the transaction done through XXXX for which Im making a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
My former lender was XXXX XXXX ; in the middle of a forbearance plan, they sold my loan to Selene. Since XX/XX/ 2022, I have tried to do a loan modification to bring my account to Good Standing. I have provided all the documents requested for that purpose and answered all requests in a timely manner. However, as time has passed, I have noticed many inconsistencies which I have previously discussed in my prior complaint. The last thing that I have done to cure my default account is to pay the XXXX missing payments to bring my account up to date. I spoke to one of the agents, whom stated that I needed to bring my account up to date with the XXXX payments. Why am I filing a complaint? Because today at XXXXXXXX, I received the second call during this process ( nobody ever called me, I am the one who is constantly making phone calls to find out the status of my account, and the correspondence procedures in my situation ). This person called today to find out about a pending loan modification application which I requested to work on. However, after considering all these inconsistencies with XXXX, my husband, my family and I have come to the conclusion that this company does not want to help me. Moreover, they are trying to take my home. My family did everything in our power, everyone contributed with something to bring my account to Current and I paid {$39000.00}. This money has been taken out of my bank, but it has not been deducted from my mortgage default payments. When he spoke to me today, he stated that the house is not in foreclosure, and that the payments should be posted to my account. At this point, I am very confused. For this reason, I am filing a second complaint. This payment was received on XX/XX/ 2022 -- they received my payment but are not taking out my pending default balance. I am trying to work with them but obviously they have another agenda. I am feeling frustrated, deceived and treated unfairly. My conversation with them was recorded, for my own records, but I told the agent about it. I am reaching out because right now, I feel really mistreated. Even then, I am doing everything in my power to work with XXXX. I can provide you with any documentations to follow up with this matter. I'm really grateful for your support on this. I really appreciate the services you provide to people in my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've requested original paperwork from XXXX XXXX as well as XXXX XXXX XXXX. Both could not provide me with anything that had my name, address, charges etc. I am not liable for this debt with XXXXXXXX XXXX and I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original application as requested. Reported to the XXXX  when XXXX XXXX refused to give me any information and when I advised this may have been identity theft the gentleman called me a liar and threatened to have me arrested. I asked for his name and he refused. He never stated the name of the company I found it by looking up the phone number. Amount owed on transunion report shows {$770.00}, caller stated {$900.00} and then {$650.00} when I called back. Validated by XXXX and XXXX and removed. Transunion has still not removed. Please refer to 15 U.S. Code 1681- Congressional findings and statement of purpose. I demand that this be removed immediately.

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 2022-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Advocates Professional Services, Inc.
State: UT

Complaint narrative:
The third party collection agency, Advocates Professional Services, out of NY. They have threatened to take out a suit or judgement on me for attorney fees. Attorneys in my state ( Utah ) are responsible for not running up outlandish bills that are outrageously expensive and expect people to pay, you dont see the bill til after they tell you they did XXXX a month work for you?? How do you fight that?? My parents already helped me pay the attorney XXXX. Then they couldnt help anymore. Im still paying them off for that. Then the attorney billed me close to XXXX in a two-three month period. Im a single mother, stay at home mom. I cant pay that bill. The attorney should have had reasonable fees. Those are not reasonable at all. Another attorney Ive talked to says I could try and get that debt taken down or removed for unreasonable fees. But, I have no money to pay one attorney to go after another. Its been a mess, the third party collection agency keeps threatening me with deadlines to wire them XXXX or XXXX owe XXXX if I dont pay them. I have XXXX resources to do that. They are saying they will put a writ of attachment to my marital assets which are all still tied up with the court. I hired the attorney that Ive paid XXXX and now wants XXXX to just help me with a divorce in 2019. Im still not settled with child custody or separation of assets. He, the attorney, basically got me a protective order again my ex for XXXX. Come to find out the district attorney would have done that for me for free. Of course, he didnt mention that. I explained my situation to the collection guy and he just says he doesnt care about that and he will go after my mom and dad too. My mom was with me when I retained the attorney, my dad has never even been there, and their last voicemail to my mom, was saying they would go after her and my dad. I can send all the emails and screenshots of the voicemails. I just feel very scared and threatened to come up with an amount of money that I dont make in seven years of working! Hopefully I hear from you soon. Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: NC

Complaint narrative:
I recently received a letter from my previous mortgage company that my social security number, name and other information was stolen. I received the letter in the mail today, dated XX/XX/XXXX, XXXX they informed me that my information was stolen. last year around XX/XX/2021, i filed a police report and id theft report because i was afraid of something like this. I sent out ftc reports and a police report to the three credit bureaus asking them to remove certain accounts from my credit reports, including XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. the credit bureaus are allowing these accounts to pop back up on my report. i already told them i was the victim of fraud and id theft and i expected them to remove the files and block them from coming back on there but that is not the case. recently, i noticed someone tried to apply for a mortgage in my name through XXXX. XXXX said i have a fraud alert but that is not helpful. i am supposed to have one for experian but that does not seem to be the case because someone keeps accessing my credit files even with fraud alerts and none of them are not working so well. i called experian today about this, they transferred me to so many different people. the person who is supposed to handle my case never called me back. I left him a voice mail and he never returned my calls which is sad. XXXX did not do anything at all for me to remove any accounts i requested.

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 2022-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX keeps calling my work phone number to collect a debt that is neither mine nor any of my clients. I have requested removal from the list at least 3 times at this point and informed them that the person they are trying to reach is not associated with my number. I receive calls about twice a month. The last call they made was today, XX/XX/2022 at XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: TX

Complaint narrative:
Its things being reported on my credit report that are inaccurate & every time I dispute them they never go away Also I even contacted the companies & they keep saying they are going to remove it but its still on there Which should not be on there because its completely inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: CA

Complaint narrative:
Since XXXX began, I have tried approximately 10 times to get a copy of my TransUnion credit report using the XXXX website. 

During this time and despite multiple attempts, TransUnion has NEVER made my credit report available online when I tried to order it through the XXXX website. Each time, Transunion dispayed a message saying " your request can not be completed at this time. '' I have never had any problems ordering an XXXX or XXXX report during this time. 

It appears TransUnion has decided it is just not going to comply with the requirement to provide free, weekly copies of credit reports. 

When I tried to order a copy through the mail -- which is a highly insecure process ripe for identity theft -- I was able to get a copy of the TransUnion report. This says to me that there are no " blocks '' or other problems with my file. 

Unfortunately, the data was about six weeks old by the time I received my mailed copy of the report. Six weeks is an eternity in credit reporting. 

TransUnion has just decided it is not going to comply with a government mandate to provide online reports.

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 2022-10-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 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.

Company response to consumer: Closed with explanation