vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/2021 I wrote a letter to key bank asking to remove my account from XXXX XXXX, however they failed to respond and have not removed the account. The account was in a chapter XXXX bankruptcy over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: MI

Complaint narrative:
I requested to see proof and methods of verification for alleged account that is reporting on my credit reportI do not owe this debt, I requested to see signed contracts between myself and XXXX credit. 

XXXX credit management XX/XX/2019

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 2021-09-09 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: CA

Complaint narrative:
I have inquiries that are the result of fraudulent activity, they have not been authorized. My information was also compromised in the XXXX Data Breach.

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 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX reach out to me in XXXX of XXXX rescinding my loan terms. In a letter I received it sums it up as they tricked me into the loan, however when I call and email I've received different answers. 

I sent multiple emails and all they do is put me in extension plans that have killed my payoff amount. At first I assumed it was ok because of the loan coming off my report however its months later and they still are reporting me late while Im actually in an extension plan. XXXX truly seems not to care which makes me believe they've decided the pay out is worth the confusion and damage to the consumer report. 

I'm trying to get my credit together and it's confusing how in accurate the reporting is. I was told that because there was a judgement against XXXX I should try the CFPB. 

I have more details and can add it just gets exhausting explaining this store again and again. I'm looking to have XXXX Remove the loan from my report or report it accurately... 

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 2021-09-09 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX and XXXX XXXX refuse to remove fraudulent acct from my profile when they have my supporting documents that I was a victim of Id theif

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 2021-09-09 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:
Experain and XXXX XXXX refuse to remove fraudulent acct from my profile when they have my supporting documents that I was a victim of Id theif

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 2021-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
Paypal deducts money from your bank account promising it to be deposited into your PayPal account on a certain day. After taking the money from your bank account, the money does not arrive in your account on the day PayPal says it will arrive. 

On XX/XX/XXXX I transferred {$1000.00} from my bank account to go into my PayPal account. The PayPal app claims that my funds will be in my PayPal account on XX/XX/XXXX. 

Once seeing that funds were not in my PayPal account at the end of the banking day of XX/XX/XXXX, I called PayPal. PayPal 's customer service first said that funds should be in my account by XXXX. After not seeing funds in my account after XXXX, I called again. 

Customer service then said that funds will be in my account at midnight or even on XX/XX/XXXX. Six business days later. 

In a day and age when payments are processed instantaneously and normal banks reliably transfer funds, PayPal 's slow processes are unacceptable and risky. Furthermore, payments that are supposed to be made with PayPal deposited funds are delayed causing concerns, lost business, as well as other risks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
This has to deal with the company Coinbase. I have over {$600.00} in an account which was hacked. When someone was trying to change my password in XX/XX/2021 i reached out to the Coinbase team and noted the issue. They did nothing and over weeks the hacker still was trying to change the password. I was receiving text messages saying my password was trying to be changed and again alerted the Coinbase Team with no response. Weeks later the hacker finally got through and changed the phone number on my account and i was locked out of my account.

The Coinbase team FINALLY responded and " locked '' the account over the past month i have been emailing and calling to try to get back into the account to see where the money is but nothing. I have made 3 NEW accounts ( requested by them ) uploading photos, documents, and videos of me proving this is my account. BUT STILL NOT ALLOWED ACCESS. I has now been 2 weeks since i last heard from them and i follow up Everyday with no response. this needs to be fixed and they need to be accountable it is truly awful service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Let me start by saying I'm XXXX  XXXXand lost all my technology during the winter strong. When the pipes burst in my apartment I list my job due to covid and now wells fargo is stealing my money and still doing it. Tgey refuse twice when my account gas been used by someone else and now they have taken my fema money. Tgey keep taking my account out of getting my statements online. Tgey even tried to not pay me my sign up bonus tgey promised when getting the account. I walk 1 5 miles to bank with them and pay {$35.00} fee almost daily. I cant see my statements from my first closed account and couldn't read the statement if I had them. The bank sent me XXXX  but now stopped sending that. It's a completely disrespectful when I state to them my house was robbed and I was in XXXX  due to a passion charge and couldn't have made these transactions. They lied and stated the charge at XXXX XXXX was made by me bc they use a chop reader. No freaking way does XXXX XXXX use a chip reader. And I was in XXXX. I was not at XXXX XXXX or your bank or heb or sending money to companies online. Not how XXXX  works. 
They feel that I'm XXXX and cant stop them. They make fun of me by sending letters in the mail explaining why they wouldn't pay me back the money that was stolen. It's not funny Wells Fargo.

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 2021-09-09 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
Responding to Navient recent letter to collect a debt. I have no debt to Navient. Those student loans you typed on your letter of indebtedness page 2 of 9 are not mine. I never had loan with Sallie Mae Trust. Send Sallie Mae Trust license number. Send a copy of each Promissory Note loan listed on page 2 of 9 : XXXX {$3100.00} XXXX  {$4200.00} XXXX {$5900.00} XXXX  {$4400.00} XXXX  {$6900.00} XXXX {$7500.00} XXXX  {$2900.00} XXXX  {$5600.00} XXXX {$5800.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$7000.00} What does Sallie Mae XXXX mean and where is the entity located. If you can not supply a copy of the all the Promissory Notes then you do not have an Debt to collect. Sent page 2of 9 Section D1 Holder Name and Mailing address. Also what is the legal name of Sallie Mae Trust and 2004 location.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Conduent Incorporated
State: GA

Complaint narrative:
On XX/XX/21, when I checked the balanced on my XXXX  Card ( XXXX XXXX  ), I was sickened to find that over 100 transactions had been made from XXXX to XXXX, all to the same merchant ( XXXX  ). The charges total over XXXX. I have NEVER purchased from this company ... I assume it's some sort of gift card App Store as the amounts range in equal dollar amount from XXXX to XXXX. 

I immediately contacted the way2go fraud department who advised me that they would send out fraud paperwork immediately ( it arrived on XX/XX/XXXX ) and I had until the XX/XX/XXXX to submit it. I found the paperwork online and filled it out and will be faxing it to XXXX on the XXXX of XXXX. 

in the meantime I've read online that this bank almost always rejects fraud cases with no cause or explanation, and there are in fact many lawsuits pending. The bank also has an " F '' rating on the XXXX  website. 

I can provide screen captures from my account but I've attached a list of all the charges that I filled out for the bank 's fraud form.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
My mortgage with SLS was paid in full on XX/XX/2021. 

According to their own policy, My Escrow account should have been refunded to me after 15 days. 

It has now been 20 days and my escrow account has not been returned. 

Due to gross mismanagement of my account and recent abuses I have suffered from SLS I have reason to believe my escrow account will not be returned.

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 2021-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: PA

Complaint narrative:
I have submitted a previous complaint regarding this matter. Discover has continued to fail to uphold their end of their contract. Discover has ONLY 90 days to resolve a credit card dispute. It has been over 90 days and Discover still hasn't made a final ruling despite ruling in my favor. According to XXXX, " The card issuer must complete its investigation within two complete billing cycles of receiving the dispute, which generally means two months, and can not take more than 90 days. '' XXXX XXXX XXXXXXXX How much longer must this dispute go on before a final resolution? It's passed 90 days. It's unfair for Discover to rule in my favor yet continue to drag this on way past 90 days. The dispute number is : XXXX THIS TRANSACTION WAS NEVER UNATHORIZED, THE MERCHANT NEVER REPLIED WITHIN 90 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
I don't have any debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
My daughter and I have a joint account in XXXX with XXXX. She requested a transfer of XXXX euros at a XXXX XXXX branch location to my account at XXXX XXXX XXXX  in the United States. After a couple days I went to a XXXX branch location to inquire if my money was transferred. I was told at the XXXX XXXX  that they had rejected the transfer ( without notifying me first ) because my account was dormant ( they had not notified me that my account was dormant ). My daughter went to the XXXX bank in XXXX again and asked where the money was and was told by XXXX that they would automatically try to transfer the money again even if it was rejected the first time. If unsuccessful, they would return the money to the original account. After I still did not receive the money a week later, my daighter for the 3rd time asked at a XXXX branch where the money was. She was told that the money is currently at an intermediate bank in the U.S, ( Wells Fargo ) and the transit was in progress. Money was sent by XXXX on XX/XX/2021, today is XX/XX/2021. I have still not received an answer from XXXX or Wells Fargo about where the money is and when I will receive it.

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 2021-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have applied for American Express and have been turned down five times, Im tired of denial dont approve people with perfect credit we all equal Im tired of being discriminated against just because of low credit, these credit acceptance is XXXX stop only accepting perfect credit people with XXXX if I can make payments then I should get approved I have a job dont only assume low score Im not a XXXXXXXX XXXX XXXXXXXX change your credit ways of approval

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
New York XX/XX/2021 Dear Consumer Protection, I seek your help on a fraud that was made into my Citibank account. 

I am submitting this complaint upon the advice of the New York State Department of Financial Services that I received yesterday at XXXX. 

Citibank allowed an unauthorized wire transfer of US {$5400.00} from my bank account and refused to pay me back. On XX/XX/2021 ( Friday ), Citibank called me to inform me about an attempt to transfer money from my account. The attempt was made in Texas. 

On this same day, I also called Citibank using the number at the back of my debit card to inform about the call. On my call, Citibank confirmed that the wire transfers were on hold. Normally, it takes 3 business days to process a wire transfer. Not in this case because it appears that Citibank even facilitated the money transfer quickly. In the email, Citibank informed me to cancel the wire transfers. However, the wires were not canceled. Citibank did not block the intrudersit only blocked me from accessing my account online and canceled my debit card. 

On that same call, Citibank also informed me to replace my debit card and temporarily blocked any access into my account, which thankfully it did. I received my debit card replacement on XX/XX/2021, Tuesday. 

On XX/XX/XXXX ( XXXX  ), I went to the Citibank XXXX branch to follow up. The XXXX could not do anything on my case. 

Below are details of the fraudulent transactions : These are the fraudulent transactions : XX/XX/2021 Outgoing Domestic Wire Transfer ONLINE XXXX XXXX to XXXX XXXX = {$1800.00} XX/XX/2021 Outgoing Domestic Wire Transfer ONLINE XXXX XXXX to XXXX XXXX = {$1800.00} XX/XX/2021 Outgoing Domestic Wire Transfer ONLINE XXXX XXXX to XXXX XXXX = {$1700.00} My family depends on our small earning. I only have an intermittent job and my wife XXXX XXXX XXXX XXXX. We have children in XXXX to support. Already it's very hard to make both ends meet especially during this period of the pandemic. I need my hard-earned money. 

I am ready to provide more details, if necessary. 

Thank you for your help and understanding. 

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 2021-09-09 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: MI

Complaint narrative:
I requested to see proof and methods of verification for alleged account that is reporting on my credit reportI do not owe this debt, I requested to see signed contracts between myself and XXXX credit. 

XXXX credit management XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
Columbia Debt Recovery LLC is trying to collect a debt that is not owned by me.The old apartment sent me a wrong bill of {$300.00} dog XXXX  cleaning fee ( which is for a different apartment building ) a couple of months after I moved out. Columbia Debt Recovery LLC tried to collect this debt ( {$300.00} ). I have sent several emails to explain that it is for a wrong apartment ( XXXX ) and my apartment number was XXXX. However, Columbia Debt Recovery LLC told me that they will only remove the record if I pay {$180.00}. Otherwise, they will continue to report it to credit agency even through they know the bill was not for me. In 2021, they sent the report to the credit agency every month even after I sent them the proof of the wrong bill. They told me that I have to pay to clean my record because they need to make a living,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: NJ

Complaint narrative:
I noticed an account on my report I do not recognize

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 2021-09-09 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: NJ

Complaint narrative:
I noticed an account on my report I do not recognize

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 2021-09-09 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: NJ

Complaint narrative:
I noticed an account on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Best Buy services, always says oh your score is too low, this means I am discriminated against, I have been turned down five times, it seems like they only help people with High credit do not discriminate against, fix the problem

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 2021-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have contacted them and they said they can not, I was discriminated against due to my score and XXXX XXXX which keeps things more than years I want both of them stopped for discrimination

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 2021-09-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX The information include above is reporting incorrectly via my credit report. Please update and remove inaccuracies.

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