vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-10 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: SC

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-06-10 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: SLM CORPORATION
State: SC

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
In 2019, I notified my apartment complex that I was vacating the apartment. I received a short term lease as a result. As well as being in constant communication in person and via email regarding the exact date in advance according to Washington state laws I would vacate the apartment therefore needed a checkout walkthrough. I received an alert in 2019 that a collection was placed on my credit report, called and emailed the company with no results. The apartment complex threatened a lawsuit for extra days and a few months as intimidation instead. I sent them and the credit bureaus supporting documentation and it had a status of resolved. I have now been notified that they've updated the disputed information with a higher amount for these charges. They are aware I don't owe anything. They are aware that it is affecting my credit scores. This is highly deceptive practices to update my credit reports years later. I am assuming in hopes that I don't have any documentation to support my claim is the reason for the new update. My access to my leases had a specific timeframe that would also allow me to access the communication between the leasing office as well. This update is happening now that the access has expired. Based on recent reviews on XXXX XXXX XXXX and other websites, this seems to be their standard deceptive practice to file collections for amount ranging around {$3000.00} upon move out. They did a walkthrough after I had left because they stated they were unavailable up until my last date to vacate even though I had moved days before to allow them time to review the apartment. I was told I owe for some carpet due to pet damage otherwise didn't owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-06-10 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Cbna/sears XX/XX/20, XXXX XX/XX/20 and XX/XX/20, XXXX XXXX XX/XX/20 allowed fraudent applications to be processed with my information without my permission, I never applied for anything and never authorized these illegal inquiries that landed 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 2021-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Its been over 5 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting.

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 2021-06-10 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: SC

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I made a payment in person today XX/XX/XXXX with cash at the XXXX, Maryland Chase Branch in the amount. Has this been received? There should not be any late fees. Please answer this directly in writing. Please also provide a copy of the payment history showing this and a current written payoff letter. Attached is the receipt from todays payment. It was for a XXXX XXXX  XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Name : XXXX XXXX Last 4 of credit card : XXXX To Capital One : In early XX/XX/2020, I had a fraudulent charge on my Capital One Credit Card for {$1400.00}. This was an unauthorized XXXX purchase through a third part company, XXXX. The purchase I later found out was for a : XXXX XXXX VR Ready Gaming Laptop, XXXX '' XXXX XXXX, XXXX XXXX XXXX Octa-Core up to XXXX GHz, XXXX XXXX XXXX, XXXX XXXX, XXXX SSD, XXXX XXXX XXXX, XXXX XXXX : XXXX. 
As soon as I became aware of this fraudulent purchase I contacted XXXX as well as Capital One. XXXX shut down my account, and also advised me that they already flagged my account for fraud due to two attempts to purchase other laptops. Unfortunately, XXXX allowed the third attempt. I received credit to my Capital One account pretty right away and I THOUGHT everything was taken care of. However, weeks had passed and I received the product. XXXX failed to stop the shipment and somehow it was redirected to me using my true address. I Immediately contacted XXXX to advise them of their error. The agent was very clearher exact words were you can keep the item, we can not take it back. I thought nothing of that until Capital One took back my credit and again charged my credit card. So I again contacted XXXX and Capital One. I believe Capital One filed another claim. I am learning that XXXX disputed the claim siting the item was delivered to the address on file which also matched Capital One recordswhich is true. Which I already advised. This does not make the charge any less FRAUD. 
I also received an email from XXXX stating the item could be donated. That it did not need to be returned. I received two letters stating that. 
Bottom line, I dont really understand the lack of care and attention to this matter. Neither XXXX or Capital One has been able to resolve this matter for me and its an extreme hardship for me. I did not make this purchase. Plain. And. Simple. 

XXXX claims they already paid Capital One so they have no idea why Im not receiving my money back. Capital One denies that and just tells me they can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: PA

Complaint narrative:
Ive had issues with this agency since XX/XX/2021 when it was first reported on my credit. Ive filed the dispute twice and they claimed they could verify that is me, which isnt factual. However this has damaged my credit severely and I wanted it gone, so I paid {$800.00} on XX/XX/2021. I was told that it would be deleted in a matter of 2 days once I received the letter stating it has been paid. I contacted the credit bureaus ; XXXX  and XXXX  to delete it and I was told that even with the letter that they would have to wait on the agency to send it. I then contacted the agency and they told me it would take 30 days. I was under the impression that if I paid it would be deleted immediately not 1 month or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I've had a capital one credit card since XXXX, and never was late in a payment nothing, anyways everyday I get offers from capital one in my email constantly over an over so I decided a few times to apply because they said they wont pull your credit report an it wont affect it, well they have pulled my report several times I have several inquiries from them and I have been trying to build my cre ch it up for a while now so then I also get declined on the offer n they pull my credit repirt!! They are not helping my credit but ruining it!! Also they have my credit score at XXXX on my online capital one acct. And I check my reports often and XXXX  is XXXX it went down a few points and XXXX  XXXX n that has gone down some n XXXX  is XXXX which should be going up more soon so how do they sit n say my score is XXXX it's ridiculous and causing my credit report to drop becuz of the inquiries that they arnt supposed to pull they lie n lie n continously offers over n over so I'm really XXXX off they sit and lie to people and I want those inquiries off my report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: KY

Complaint narrative:
In XX/XX/2020, I opened a CC with Apple/Goldman Sachs for the purchase of 2 XXXX  when I purchased them at the Apple XXXX. I was already on an installment plan for my old phones and the Apple rep assured me that this would be the same and that my auto-pay would be setup the same. Sometime around the end of XXXX or beginning of XXXX, I received a phone call from Goldman stating that I was 3 months late on payments. I asked them why this was the first I had heard from them and they stated that had tried to email me. I later found out that these emails were being intercepted by XXXX XXXX spam filter - so I wasn't getting them. I immediately paid the account current and was advised that Goldman would clean up the mess on their end. Approx 30 days later I was notified by the Credit bureaus that Goldman erroneously reported my XXXX payment late but had reported XXXX and XXXX as " on-time ''. I filed a dispute with the 3 CC bureaus but Goldman insisted that their reporting was accurate. An accurate report would have been that I was technically late XXXX, XXXX AND XXXX but Goldman said that they would clean it up since my auto-pay was messed up. I called Goldman @ XXXX to inquire about just paying the account off and closing it - they hung up on me. I thought it was a mistake but they have my call back number if it was a simple disconnection. This issue has caused my credit score to go from XXXX down to XXXX and resulted in a higher rate for a car that I recently purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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:
On my Experian credit report there is a bankruptcy that states that the information was given but the XXXX XXXX in XXXX Texas. When I spoke to the clerks office they said that they don't report anything to the credit bureaus, even provided a letter to support what they said. When I call Experian again they laughed and said the information was obtained through XXXX XXXX and so I submitter a claim stating that the information is not accrete because they are saying the information was obtained from XXXX XXXX XXXX. When they completed the review they said the information was verified, but they did not get the information from where they are reporting they got it from.

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 2021-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: KEYCORP
State: OH

Complaint narrative:
I was trying to find my elderly brother a place to stay in Hawaii after his second XXXX vaccination shot. I found a listing on XXXX XXXX XXXX XXXX XXXXXXXX ) and contacted the agent ( or so I thought ) for the apartment. His email is " XXXX ''. I was told to make payment through XXXX. I have never used XXXX before, but was it was through my bank, KeyBank, so I assumed there were protections in place. To be cautious, I first sent {$200.00}. as a deposit, and it went fine. Then, a few days later, I sent the rent payment of {$450.00}. After that, I was supposed to get pin code for the apartment. But, of course, I did not. I immediately called my bank, KeyBank. But, I was told that they could do nothing ... that XXXX was supposed to be used as payments between friends and relatives. Why, then, is this an advertised banking app ... not a " friends and family '' app. I feel the bank and XXXX are COMPLETELY aware that they are the app of scammers, but are looking the other way to make a profit. I feel they should be able to AT THE VERY LEAST, shut down the scammer 's XXXX account. But, I was told no ... nothing could be done. Perhaps you will have better luck. 

The {$450.00} XXXX payment was made today through KeyBank to the following XXXX account. 

PAYMENT VIA XXXX XXXX : XXXX Name : XXXX XXXX I am ashamed that I fell for this scam, but angry that my bank and XXXX helped perpetrate it. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10 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: NY

Complaint narrative:
I XXXX, I am a victim of Identity theft. I have provided proof of my ID Identity theft report from the Federal Trade Commission. And a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I received a promotional offer from Citizens bank. The promotion stated - open a checking account and deposit {$500.00} via direct deposit within 60 days and receive {$200.00}. 

Open a savings account - deposit {$15000.00} and leave on deposit for 3 months receive {$300.00} Open both a checking and savings account receive {$100.00} for a risk of {$600.00}. 

After 5 months after 3 phone calls I received {$200.00} deposit into checking account. 

I called at least 2 more times inquiring about the additional {$400.00}. I was told I didnt qualify for the promotion because I didnt deposit {$500.00} at once. The promotion stated deposit {$500.00} via direct deposit within 60 days. No where did the promotion. Stated at once. 

In addition - I opened both accounts via a Citizens representative who confirmed - deposit {$500.00} over 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
The company is XXXX XXXX until XX/XX/XXXX they then sold the loan to Fay Servicing and XXXX XXXX and Fay Servicing and XXXX XXXX Foreclosed on XX/XX/XXXX. 
Re : property address : XXXX XXXX XXXX XXXX XXXX, CA XXXX On XXXX lenders tin XXXX account XXXX From XX/XX/XXXX through XX/XX/XXXX I was denied the opportunity to short sale this house. After the relators were approved by the lender for short sale, I was denied three times with three different relators all of whom were approved by XXXX XXXX and later by Fay Servicing and on all three occasions denied. 
Therefore forcing my into foreclosure on XX/XX/XXXX. I did not receive the 1099-A until after XX/XX/XXXX ( as the envelope was post marked XX/XX/XXXX, which I saved ). 
The 1099-A balance on principle XXXX, and the fair market value XXXX. 
The house was then sold in the summer of of XXXX for about the same amount as the market value. 
I did not receive any of the proceeds from the sale. 
I want a qualified written review. I do not understand why I did not receive any proceeds from the sale. 
I want to know why the lender forced me to keep this loan in my name for a year while refusing to either loan mod, keys in deed of lieu, or short sale. They threaten to foreclose and take the home but then they kept waiting and postponing the foreclosure date until it was financially coinvent for the lender to profit at the bowwers demise!! 

This is an EGREGIOUS ABUSE OF POWER. 

And because I did not receive the 1099-A until over a year later it caused problems for me in filling my XXXX income tax. 

I have made several attempts to resolve these issues both written and telephone to Fay Servicing, XXXX XXXX and XXXX XXXX and have not received any response. And in most cases I am put on extended hold for 10-20 or more minutes and no one comes to the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX i scheduled a transfer From savings to checking for XXXX For XXXX. 

On XXXX i discovered that my entire balance was transferred. 
I then called customer service And requested assistance to reverse the transfer and noted that it was scheduled for XXXX. 

I asked if any actions would result in any Fees. Customer service said that they would note the account about the problem and report technical problems. 

On XXXX bank charged my account a fee of XXXX. I. Then alerted customer service about the fee, and was told that they was not responsible for system errors. 

my satisfaction is that the bank Reverse the Fee, and fix their system as it relates to my account With a fee reversal. 

Account numbers 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 monetary relief