vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-07 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: SYNCHRONY FINANCIAL
State: SD

Complaint narrative:
I pulled my XXXX  credit report on XX/XX/2020, and noticed that there was a " Regular '' ( hard ) Inquiry that was not made by me. The inquiry was fraudulent ; made by someone trying to open a SyncBAmazon account in my name. The account was not approved, luckily. Here is the inquiry, as it appears on my credit report : SYNCBAMAZON XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/2020 Inquiry Type : Individual I filed a dispute with XXXX asking that the hard inquiry be removed. They responded that I should " contact the creditor directly. '' I called SyncBAmazon on XX/XX/2020. They agreed that the credit request was fraudulent, and said they would notify XXXX that is was fraudulent. 

When I pulled my credit report on XX/XX/2020 to see if it had been removed, I noticed that the hard inquiry was still there. So I called SyncBAmazon again on XX/XX/2020. They said they had already notified XXXX  that the hard inquiry was fraudulent ( after I had called on XX/XX/2020 ), but that it takes 60-90 days for the credit bureau to update their information. They also said they would notify all 3 credit bureaus again on that day ( XX/XX/2020 ). 

It has now been over 4 months since I notified both XXXX  AND SyncBAmazon. This fraudulent inquiry needs to be removed from my account ASAP, and I shouldn't have to spend so much time getting it fixed.

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 2021-02-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Sir, I was on 0 % interest payment plan on with my above Wayfair account. I paid the monthly amount without any delay till XX/XX/2020. On the month of XXXX I paid the total amount due in full, Unfortunately due to pandemic Comenity bank received the payment after three business days after my payment plan ended. The delay in receiving was due to pandemic reasons. Bank charged me over {$850.00} in interest for the three days delay even in the middle of the pandemic. I talked to the customer service team over 30 times. Every time I talked to the customer service team they agree with me it is unfair to charge this enormous fees for three business day delay and they will say they will speak to the surer wiser and remove the fees. Till now the fees has not been removed and I was getting charges on the late fees. Pls. consider my case and remove the late fees and interest charges charged me for the delay in receiving the payment by three business days. You can be reach me at XXXX for any questions. I expect a fast remediation of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Qualified for a better loan than the one offered
Company: SLM CORPORATION
State: SC

Complaint narrative:
I applied for a student loan with Sallie Mae on XXXX, was approved that same day, and I accepted the loan on XXXX. This loan ( loan 1 ) has an interest rate of 9.250 % and a loan amount of {$7900.00}, During the application process I was approved/offered up to additional {$5000.00} on my loan. 

A few days later, on XXXX I contacted Sallie Mae because I needed additional funds disbursed to the university in which I attend. I contacted Sallie Mae with the express intention of taking advantage of the additional funds offered to me on loan 1, because I only needed {$2100.00}. During this phone call, the Sallie Mae representative insisted that I was not able to increase the funds of my student loan, and coerced me into taking a second separate loan in the amount of {$2100.00}. The interest rate for loan 2 is 9.750 %. 

On XX/XX/2021 I received two email communications from Sallie Mae. These emails stated that I was approved for an additional {$5000.00} funding when I originally applied for the loan and that action was required in order to receive additional funding. 

On XXXX I contacted Sallie Mae by their online customer support chat on their website. During that conversation the Sallie Mae representative continued insisting that they call me and refused to resolve any issues in writing by email, online chat, or other methods. I advised the Sallie Mae representative that they could call me to resolve the issue, but I would insist that the call be recorded and/or any resolution would be put in writing. The Sallie Mae representative advised me that another representative would call me within 48 hours. As of writing, XXXX, I have not been contacted by any representative of Sallie Mae by any form of communication. It is clear to me by Sallie Mae 's refusal to any communication in writing about this issue, their failure to address my concerns during any contact over the past month, and their failure to contact me about my concerns dispute their insistence they do so that Sallie Mae does not want to address this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-07 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: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 60 days and I have not received a response yet. I feel like my disputes are being ignored and that I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate incorrect items within 30 days gives reason to immediately remove those items from my credit report. it has been over 60 days now so those incorrect items should be deleted immediately. I demand that these accounts be deleted instantly or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called to chase Bank twice. I think it was on XX/XX/XXXX or XXXX and explained that I was been scammed, that I wanted to cancel a XXXX payment. They explained to me that a XXXX  payment can not be canceled. If I had made a purchase online that I had to wait for ten days to file a claim. That's what I did I waited for 10 days and called again to file a claim for the XXXX payment of XXXX dollars that it I was a scammed online they they not file a claim or reimburse me the money they didn't do anything to help me. The only thing they said to report it to the police. Please help me I do not want other people to go though this. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: CA

Complaint narrative:
To whom it may concern, I noticed some inaccurate and unverifiable inquiries on my report. Under usc 1681 the FCRA states tha ( A ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Foremost as the consumer i did not give permission for these inquiries to be posted on my report which is a form of identity theft. No consent is a form of identity theft with out my written or oral permission. 
XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XX/XX/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 2021-02-07 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:
I attempted to get my annual free credit report through XXXX and every single time I did they said there was an issue with my request. I attempted this 3 separate times and every single time they said they were unable to provide me with a report based on the information provided. I know thats not true because I have requested my credit report multiple times in the past without issue. Now all of the sudden Im not allowed to get it when I need it? I need my credit report to apply for a new house to rent and without this report Im 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 non-monetary relief
Consumer complaint received 2021-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Over one year ago I opened a SECURE credit card thru Citi for {$500.00} after being told that as long as I paid on time for 6 consecutive months then I would receive my {$500.00} deposit back and receive an unsecured card for the same amount and that they would be reporting to all 3 credit bureaus to ensure the building of my credit score. Well NONE OF THESE THINGS HAVE HAPPENED, THEY HAVE SOLD MY INFORMATION TO MISCALANEOUS COMPANIE ALLOWING RECURRING MONTGLY CHARGES DESPITE ME CANCELLING THE CARD AND REPORTING THIS FRAUD 4 SEPARATE OCCASIONS. I DEMANDED ON SAME 4 OCCASIONS THAT I BE RETURNED MY DEPOSIT IN FULL DIE TO ME HAVING PAID OFF THE CARD IN FULL AND THEY REFUSE TO RETURN DEPOSIT, THEY KEEP TAKING MONEY OUT OF MY CHECKING ACCOUNT DESPITE NOT HAVING AN ACTIVE CARD WOTH THEM AND REFUSE TO ANSWER MY QUEATIONS WHEN ATTEMPTING TO GET ANSWERS AS TO WHY THEY ARE COMMITINGBTHESE ACTS OF FRAUD AND THEFT AND ONLY THING THEY SAY IS WE ARE SO SORRY WE WILL REFUND THE MONIES AND IT NECER HAPPENS AND THEY TAKE MORE NEXT MONTH. THIS HAS TO END

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 2021-02-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2021, I made a transfer of {$250.00} from my savings account which is linked to my checking account, and set with direct deposit from my job. TD Bank illegally charged me a fee of the amount of {$35.00} because I did not have the funds, without taking into consideration that my accounts are linked. 

In addition, they should take into consideration that we are in a state of emergency due to the pandemic and my hours from work have been cut as well. 

Please, I want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
XXXX XXXX XXXX called me at my job from a Texas phone number but has a Florida address. They said I have owed payment on a 2015 Ace Cash Express loan, which I never took out. They also had the last four digits of my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
Hi there, I have a account in the platform for cripto currency called Coinbase Inc. I have lost my password and I can not get it to my account. I submitted a ticket tru their customer service ( ticket number - XXXX one of many ) on the XXXX of XXXX. But no response from them till XXXX th of XXXX when they reply to me. They asked me to make a new coinbase account with my new phone number so they can connect my old account with my new and they will delete the old account. Since then I do not have reply from them. I'm trying to reach the tru email, XXXX, XXXX and no reply what so ever. 
If that can help I know the address of the headquarters : Coinbase , Inc . 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX I lost my job during the coronavirus and I need to pay my bills. So really hope someone will hear me soon. I feel that no one is there to help me out. Please help me. 
Many thanks XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-07 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: I.C. System, Inc.
State: NC

Complaint narrative:
On XX/XX/2021 IC System collection agency added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX Upon further research this account was transferred/sold and i am no longer responsible for the account. IC System did not verify this collection. Also, there was no written form of communication, contact or signature. For this accused debt at all. A bill without signature does not validate the debt. And anybody can send a bill and say its mine. According to the FCRA IC System has valuated my rights as a consumer and i'm requesting legal action to remove the accounts 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 explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Between the months of XX/XX/XXXX and XXXX of XXXX, my identity was stolen which resulted in fraudulent activity to occur. My personal information was compromised after my laptop was stolen which included my bank account information with Truist Bank formerly known as Suntrust bank. An unauthorized transaction was made, which resulted in an overdraft of my account. The account has gone into collections with XXXX XXXX XXXX XXXX XXXX Account # XXXX. I have made several attempts to get this incident resolved.

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 2021-02-07 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: Coinbase, Inc.
State: NY

Complaint narrative:
I have a digital wallet ( Coinbase Wallet ) with a company called Coinbase where I store my crypto currency worth about - last time I was able to check - {$10000.00} or more +/-. 

My phone crashed XXXX, & I had to restore it from a backup that I had on my XXXX from XXXX with, what I thought, my " Key '' stored in that backup. But according to Coinbase, the backup needed to be done to XXXX. Why? I don't use XXXX. I use my XXXX  for my backups. 

Anyway, after the restore I got thus said message ... 
Failed to retrieve keys, please sign in again ( Error code : XXXX ) I was/am essentially locked out of my account/wallet. 

I contacted Coinbase on XXXX notifying them of this. 
Also, after the restore, I was able for a split moment/s to access the wallet before it denied me access again. It stands to reason that I am logged in in some form, correct? If so, shouldnt I be able to move my funds out of the wallet within that/those split moment/s? Tried. But was unsuccessful at doing so. Funds won't move. 
During this split moment/s that I managed to get into the wallet, & tried to get to this key, but the wallet would not grant me access to my recovery phrase/key?!? 
And now, Coinbase is essentially telling me that if I do not have access to this key I will never be able to access my funds ever again. This is a tad crazy. Besides this key I also have a password that I created. A second layer of security. But according to Coinbase, can't access it with that either. Have to have the key first. It is my understanding that they do not offer any assistance in recovery of " key '' /password. 

Coinbase 's answer to my inquiry - Please note, Coinbase Wallet is a user-controlled, non-custodial product the recovery phrase is what gives you, and only you, access to move funds that you have received. For your security, Coinbase Wallet will never have access to this seed, meaning that we are unable to move funds on your behalf even in the case of you losing access to your recovery phrase. 

My question is this ... why would any company create a platform such as this? A platform that makes it virtually impossible to retrieve my funds if something should go wrong? Coinbase, or any other company, should not be allowed to subject their users this " treatment. '' Human beings lose passwords/keys all the time. However, I did not lose mine. Or so I think. Shouldn't it be in the backup on my XXXX? If it can backup to XXXX XXXX, why can't it backup to my XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Withdrawl date : {$250.00}. 
Unauthorized XXXX Transfer to a person I did not know. 

1. Called fraud immediately after noticing unauthorized transaction 2. Citibank could not freeze account as they could not trust it was me ( phone number not verified? ) 3. Called again and was able to freeze the account by verifying my Mothers cell phone number. 
4. Went to Citibank XXXXXXXX XXXX XXXXXXXX branch and sat with banker with the intention of closing the account. 
5. Wanted to take the money and put it in a cashiers check to deposit in spouses account. Was told I needed to open a new account to transfer the money into to make a cashiers check, then could close the account ( could not close the old account while fraud investigation was taking place ). 
6. Opened account for transfer to cashiers check successfully. Downgraded the account to reduce the minimum balance requirements to not accumulate fees. Was told if I link the two accounts, the two would work together to add the total balance to not get fines ( minimum {$1500.00} on both accounts, but if they were linked I could keep {$1500.00} total for both and not get fines ).

7. Turns out, I didn't have to open a new account and the information about linking was incorrect. I also could not close the new account the same day it was opened. Banker assured me she would watch the old account so it would not have fees added. Left store with An additional bank account, less money than intended, and no answers. 
8. XX/XX/2021 - Letter from Citibank stating 'there are elements of the claim that lack credibility ' and 'we believe that the transactions that comprise your claim must be considered authorized and, as a result, we are unable to honor it. ' To summarize, issues in freezing the account, bank of ~15 years could not properly identify it was me even after answering all questions, was lied to twice in store, fraud claim denial on a XXXX transfer not authorized.

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 2021-02-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I sold my house and the funds were wired to my account and the bank has put a 10 day hold on my money. Originally I was told that they would put a 2 day hold on it and when we went to get money out they put a hold on it and said we couldnt get our money until the XXXX. I have purchased another home and I need my funds. There is no reason foe this hold it wasnt a check it was a wire and they refuse to release this hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Victoria Secret Credit Card services marked my credit report as late on XX/XX/2020. I was infected with XXXX from XXXX 2020-XXXX 2020, I was hospitalized ands requested that this be suppressed from my credit due to the exigent circumstances.

Company response to consumer: Closed with explanation