vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020, there were a sudden amount of withdrawals from my account through Citibank through XXXX. I received a text alert and an email requesting if I had authorized these and did in fact respond saying " No. '' Then all of the funds in both my checking and savings account were wiped out. I contact Citibank and they made me feel as though it was in my error that this occurred and having opened up an investigation but I am unable to support myself with no amount of funds since they state it can take up to 10 days to investigate this issue. XXXX was removed from my account without a phone call from Citibank and then I went into the bank today only to be told- they could not assist in any fashion. I am protected under the Electronic Funds transfer act and they should protect me from such occurrences.

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 2021-01-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I received communication from Comenity bank regarding unauthorized charges on my account statement. I was told I could call and speak with someone and I have called several times and have never been able to speak with anyone. 
Now they have closed down their credit card departments since they no longer offer their credit cards and I can not speak to anyone about my account nor login to review my account since no one has access. 

I made a purchase back in XXXX of XXXX for {$570.00} and was charged on my Wayfarer credit card for that amount which increased my balance. It was on a deferred interest plan, which I understood if I didn't pay that {$570.00} in full by the end of the 12-month plan, I would be charged interest. 
After reviewing my account I did see I was charged {$130.00} in XX/XX/XXXX since I hadn't paid off that whole amount by that time. This increased my balance. I completely understand that part of it. But then I was charged an additional {$360.00} for the same purchase I made in XXXX of XXXX for {$570.00}. 
And this {$360.00} also increased my balance. This means that Wayfair charged me {$570.00} for purchase and then not only charged me an additional {$130.00} in interest but in addition charged me another {$360.00} a year later. 

Wayfairer still has refused to explain to me what that additional {$360.00} is for. How is it possible that I purchase something for {$570.00} and a year later they are making me pay {$1000.00} for the same invoice? 

I need a detailed explanation of why they are making me pay double the the amount I originally owed for that specific item. 

They have made it impossible for me to speak with anyone or even look at my account now- which is completely illegal. I should have access to my account to review their " charges '' and interest. 

This company is terribly unprofessional and they lie. 

I am attaching everything you need to review this whole dispute. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WA

Complaint narrative:
Good Day, I have mailed the Jefferson Capital Systems a debt verification and dispute letter and received no response. 


XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Some one applied for a credit card from saks XXXX Avenue with capital one credit, I did not request for it and its affecting my credit. I need your help pliz

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 {$1400.00}. 
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 ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$1400.00} -This is not 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 explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On or around XX/XX/2020, Synchrony Bank started reporting a fraudulent credit account they purchased from Paypal. I immediately reported this PayPal account as fraudulent not belonging to me. I also filed a complaint with CFPB in regards to the sell and purchase of this fraudulent account. I disputed this account directly with Synchrony and request verification of proof of purchase, signature and documentation showing who opened and sign for the account and purchases. I asked for an itemized statement showing how they calculated and came up with said outstanding balance. To date Synchrony Bank has refused to validate this fraudulent claim and now reporting this account delinquent with the three major credit bureaus in directly violation of the FCRA and FDCP. I am requesting an investigation into this blant abusive practice of buying fraudulent accounts refusing to allow consumer to dispute said account and Synchrony Bank blatant violation of the FCRA.

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 2021-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
WITHDRAWALS FROM SAVINGS -- XX/XX/XXXX -- {$7000.00} XXXX -- XX/XX/2014 -- {$10000.00} -- XXXX -- XX/XX/2014 -- {$20000.00} -- ANOTHER {$20000.00} -- - {$35000.00} -- -- ONLY TWO WITHDRAWALS -- XXXX PAID WITH MY PAID FOR XXXX XXXX XXXX I WENT SOME MANY TIMES FOR HELP THEY RUN WHEN THEY SEE MYSELF.. XXXX XXXX SIGNED EVERYONE-NOT SPENT ON MYSELF AS PAYEE REP. IN XXXX I RESPECTFUL ASK A CHARGE FOR EVERY CENT. MANY BLESSINGS.

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 2021-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AAA Collections
State: IA

Complaint narrative:
AAA Collections says that I am responsible for my late wife 's ambulance ride she took the night of her passing. I sent them the death certificate and they said I was responsible and they will find my employer. Amount owed is XXXX after insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Identify theft fraudulent account XXXX XXXX XXXX Date open XX/XX/XXXX Amount XXXX This account was previously deleted on XX/XX/XXXX This debt was erroneously put on my credit report under the fair credit reporting act it is against the law to readd an erroneously credit debit back on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2020 XXXX  received a letter from me informing them to update my personal information. They have yet to do so.as this information is not deliverable or reportable per FCRA. This needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it 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  XXXXXXXX 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.

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 2021-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Western Mercantile Agency, Inc
State: OR

Complaint narrative:
Western Mercantile located in XXXX XXXX, Oregon XX/XX/2021. The phone representative told me I have 3 unpaid accounts with XXXX XXXX Hospital. I said ok how much? She told me I owed {$1000.00}. So I gave her my debit card information and paid in full. Which the funds were immediately taken from my checking account. I asked for a receipt and detailed invoice including account numbers and a receipt for funds paid. She refused. I then asked to speak to her manager. I got the owner instead. The owner stated to me she couldn't send me a receipt because the funds need to process. Huh? It was directly taken out of my account while on the phone. I asked for a receipt on letter head. If she can just type that out and mail it to me. She refused. She told me that it was against their company policy to mail receipt and invoices. I am going to dispute payment with my bank. This business is a scam. They didn't even offer me a dispute resolution. Just took my money and refused to give me a receipt. After I told her she was practicing her collection business illegally. She said you can send me a self addressed stamped envelope. She would get it to me if she had the information. Which wouldn't be available till 10 business days. I told her you stole my money on false pretenses. Asking for a detailed receipt of payment on 3 separate accounts is not unreasonable. She refused yelled at me and hung up. This business needs to be shut down. I was litterly robbed. Just robbed and treated like junk. All I did was ask for a detailed invoice and receipt of money paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Approximately 25 to 30 years ago, I opened an account with Wells Fargo to create a trust account. The Trust office was in XXXX, NJ. I closed the account at least 10 years ago. 

However, Wells Fargo keeps contacting me by email asking me to update my information. 

I do not think that I have an account with them They had a scandal many years ago where they created extra accounts for customers. I think they created more accounts for me that I do not know about. 

I have called their 800 number twice and they are unable to resolve the situation. I called the local Wells Fargo Bank, and they do not see my info in their computer. 

However, they keep sending me emails asking for information. 

I can not get them to stop sending me emails. 

It is clear that they have an active account for me that I do not know about. I would like the account closed, and to have them stop sending me emails.

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 2021-01-14 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:
Former XXXX XXXX XXXX, Captured My Employee Personnel File ; And, Applied For Credit Via -- -- -- -- -- -- -- -- -- FRAUD AND ONLINE APPLICATIONS. All 3 ( THREE ) Credit Reporting Agencies, Are Reporting Incorrect Information Upon My Credit Profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX balance {$3700.00} - You have been reporting inaccurate information and this is a violation please remove. 

XXXX XXXX XXXX balance {$2600.00} - This account has the wrong balance. Please remove this account because inaccurate information. Remove this account. 

XXXX/XXXX XXXX XXXX balance {$850.00} - Account is reporting inconsistent and inaccurate, please delete this account. 

XXXX/XXXX  XXXX XXXX balance {$1800.00} - This account has been paid, please remove Immediately. 

XXXX/XXXX  XXXX XXXX balance {$3300.00} - This account was taken care of with original creditor prior to going to collection, this is an Error Please remove this account. 

XXXX XXXX XXXX XXXX balance {$460.00} - Delete this Unknown account unless you can provide me with proof of a contract with my signature. 

XXXX XXXX XXXX XXXX balance {$2600.00} - Reporting unknown which means it's incomplete, please delete this account. 

XXXX XXXX XXXX balance {$900.00} - Delete this unverified and inaccurate account. 

XXXX XXXX XXXX balance {$850.00} - This account has several violations : You are reporting a re-aged open date, Reporting a past due amount on collection account, and a incorrect Date of last activity. Please delete for violations. 

XXXX XXXX XXXX balance {$780.00} - This account was transferred to another collection company you are reporting this duplicate account. 

XXXX XXXX XXXX balance {$740.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX balance {$1300.00} Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 

XXXX XXXX XXXX balance {$5300.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX/XXXX  XXXX balance {$1400.00} Charge off - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: TX

Complaint narrative:
XXXX, XXXX has flagged me as a deliquent payer for supposedly an unpaid debt of {$1100.00} with XXXX XXXX XXXX. This case was filed XX/XX/2021. No one from XXXX, XXXX has ever contacted me about this debt. I never had an account with XXXX XXXX XXXX in my lifetime. I have been dealing with debt collection agencies regarding unpaid debt of identical amount like it's just being passed around. I have reported awhile back to all 3 credit reporting agencies that I suspected that my identity was stolen. I've contacted Experian about this to contest this report that has a negative impact on my credit rating.This report is fraudulent and is hurting my credit rating. My credit score used to be above XXXX before all this identity theft has happened. I have excellent payment history and is being ruined by scams like this.I need help this correct this. I have attached a copy of a previous complaint I filed with an identical amount trying to be collected from 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 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX  XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX, US SM BUS ADMIN ODA.

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 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, US SM BUS ADMIN ODA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
In accordance to federal law, I XXXX XXXX am the original creditor, I am a consumer 15 USC 1692 a ( 3 ), a natural person and a debt is defined as any obligation or alleged obligation of a consumer to pay 15 USC 1692 a ( 5 ), based on federal law, a loan is a consumer credit transaction and banks can not extend credit Bowne v Needles Nat. Bank, 94 F 925, 36 CCA 553, certiorari denied in 20, CT 1024,176 US 682,44 LED 637. I continue to get harassed and have my reputation damaged by Commenity bank 's continuous reporting of the alleged debt on my experian credit report, which an exhibit. My social security number was used to extend credit to Commenity Bank in a private consumer credit transaction, security interest was signed over. Federal law says only a person can extend credit in order for you to be granted something you have to get it from somewhere. In order for a person to be a creditor, they have to be granted the right, but an original creditor does the granting. 15 USC 1692 g. You are accusing me of owing this alleged debt but according to this federal law, and based on the exhibits I have provided you owe me {$20000.00} in violations of federally protected consumer protection rights under the FDCPA. This is my final correspondence before litigation.

Company response to consumer: Closed with explanation