vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I feel that this accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall this account. I need this problem fixed ASAP! I will not wait another 50 days to receive no response because clearly you are ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. Section 611 ( a ) is plainly stating that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. 
I am very stressed about this and it effects me daily. PLEASE HELP ME AND DELETE THE FOLLOWING ACCOUNT FROM MY REPORT XXXXXXXX XXXX XXXX - ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
XXXX bought XXXX XXXX from XXXX XXXX . I was told I could finance interest free. Payed {$2000.00} down financed {$4900.00} through a co. called XXXX and signed a contract without completely reading it. Set up auto withdrawal from my checking of $ XXXX month and thought everything was taken care of. When I still owed {$390.00} after 24 months {$1600.00} in interest was charged to me. I see now the whole thing is designed to take advantage of people like me that get carelesswith signing what you think is a simple contract. I thought is was signing up for financing like you do buy a car not not some credit card co. that is waiting to pray on you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a fraud alert on my account that will ( currently ) not allow me or companies to open an account without verification. On XX/XX/XXXX I requested a loan for my HELOC that I thought was maturing this year. A HELOC in which I used to pay my employees. The HELOC was orginally borrowed to purchase property in Wisconsin. 
With all that on XX/XX/XXXX Equifax showed a credit score of XXXX, I was never contacted by the company that made this inquiry and later believe that it was a " hard pull! '' The credit bureau currently lists that I have a total of 3 hard pulls, I reached out to the company and they deny this occurred. ( see email ) They forwarded me the credit file that specifically shows that I have a fraud alert and yet they were able to make such an inquiry. My credit score is currently XXXX. 
Equifax states : Lack of recent revolving account information Too many consumer finance company account Lack of recent bank revolving information Lack of recent installment loan information Lets begin with facts : I have a fraud victim extended alert that does not allow myself or any potential creditor to access my credit record without verification from me. 
1. This did not happen on XX/XX/XXXX ( see email attachments ) Lack of recent revolving account information : 1. This is not a " consumer '' issue, and XXXX reports my revolving account on the XXXX of each month and my HELOC currently shows near correct until they send out again for XXXX? BOTH ACCOUNTS HAVE BEEN UPDATED ON MY Equifax CREDIT FILE AS OF XX/XX/XXXX! 

Too many consumer finance company account 1.There are no active or outstanding consumer financial accounts on my credit. I am currently seeking litigation against net credit for fraudulent interest accrual when I borrowed in addition to my HELOC to purchase property in Wisconsin My vehicle broke down and the cost was {$6500.00} for transmission, rear end and other problems. The company offered a one year free interest.

Lack of recent Bank revolving information : 1. AS of XX/XX/XXXX my XXXX XXXX account is up to date on Equifax credit report as well as on XX/XX/XXXX Lack of recent installment loan information This code either means that your accounts have not been active recently or you don't have that type of account! Which is it? This is not a consumer issue but a loaner responsibility

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I was laid off due to covid-19. I was leasing an apartment from XXXX  XXXX XXXX XXXX XXXX, I contacted the leasing agency XXXX XXXX  ( XXXX XXXX XXXX XXXX ) in writing with proof that I was laid off and requested to enter deferment. He wrongfully told me that in order to enter deferment I had to pay 50 % of my balance, which I could not. They then proceeded to put a 3 day notice to quit on my door or I was getting evicted. So I moved out and upon moving out they added a bunch of late fees to my bill, and sent me to collections with XXXX XXXX  debt collector. XXXX XXXX demanded money and would not hear me out that XXXX  XXXX XXXX XXXX XXXX wrongfully would not let me enter deferment, demanded all of the balance including the late fees and the entire rest of the lease even though I had vacated. XXXX XXXX  then reported to the credit bureau and I have been trying to resolve and dispute this for months.

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 2021-10-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BARCLAYS BANK DELAWARE

Complaint narrative:
Please, I had Online Account to Bank Call : ( BARCLAYS BANK ) for some years ago, Where that Bank Mis-Sold PPI CLAIMS in XXXX for Some years ago, But Refused to Processed my Payment Claims for me to XXXX, Up till now, So I want your Company to help me and Use my Details to Check from that BANK and Process to Reclaim all my FUNDS from that Account in that Bank, So I am waiting for Reply now

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 2021-10-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC
State: DE

Complaint narrative:
Never gave this company permission to call my new number XXXX, and they are leaving constant messages. I had this same problem before with my other phone XXXX, they are continuing the Samething. This is beyond frustrating its already bad enough I was affected by covid late fees are being charged and the vehicle doesnt even work. Very upset by the company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: LA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately 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 got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
After reviewing my credit report on XX/XX/2021 I discovered and inaccuracy from LVNV funding llc, in the amount of {$1300.00}. I contacted LVNV funding llc about the inaccuracy. I have no knowledge of such account and to remove it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Credit Management, Inc
State: TN

Complaint narrative:
I sent a debt verification request to Professional Credit Management , INC on XX/XX/2021 and it was confirmed received on XX/XX/2021 and the company has failed to adequately validate the alleged debt. Instead, they sent me a list of medical procedures done, which I know is a direct violation of HIPAA regulations. I never signed and they could not produce a release form authorizing them to have access to this information.

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 2021-10-29 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
I bought gift card for a friend, that friend without knowing that his account was hacked I sent the gift cards to him via E mail. Google Play Cards. Six {$50.00} cards in the amount of {$300.00} I have contacted google about this and they will not help me. I am very upset! 
My name is XXXX XXXX Please leave me a message regarding this My phone number is ( XXXX ) XXXX My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
checked my credit report on XX/XX/XXXX found Caine & Weiner {$91.00} opened on XX/XX/XXXX. I do not have knowledge of this account and to please remove it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently contacted the credit bureau regarding an account that shows on my credit report as charged off. This account has been updating each month with the last update on XX/XX/2021. This is an update in the payment history and according to FCRA laws, charged off accounts should NOT include an active payment history. This falsely manipulates the statute of limitations on the debt. My credit score dropped 30+ points due to the credit bureau updating the remarks of the charged off account and it still updating to show an active payment history. I have filed a complaint with the Federal Trade Commission. FTC Report # 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 2021-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
All three credit reporting agencies : XXXX, Equifax, XXXX do NOT have customer service that answers the phone. All three push consumers to an automated phone line where it is not possible to speak to a human. I've often had trouble logging in to their site and am unable to recover a password or unfreeze my credit, causing me to miss opportunities to apply for credit. 

Many other industries have requirements that customer service ( human ) must be available to customers. Why are these companies allowed to have such a large influence on our lives without being required to provide adequate human-based customer support? 

See attached file or try calling any of the toll-free number for any of the major reporting agencies and attempt to get a human on the phone- it is literally impossible. They simply have their system tell you it can not help you and then hangs-up on you. 
However if you pay them an annual fee - then they will answer your call. This is a way for them to try to bilk consumers out of money after they are already being paid by companies and being reckless with our data ( exposing our social security numbers in poorly protected systems ) Customers have no choice but to use these companies- so we MUST be given options to speak to them when things go wrong and they negatively impact our lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
Fidelity Creditor Services took over a bill I originally had from XXXX XXXX XXXX XXXX, and the collection was opened on XX/XX/XXXX. 

Without my consent, authorization or approval, Fidelity Creditor Services then accessed and obtained my credit file on XX/XX/XXXX, putting a hard inquiry onto my credit report. 

From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' From the XXXX FTC opinion letter XXXX at XXXX XXXX XXXX  : " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$1000.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer reporting agency from which the report is procured. '' From the FCRA 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both.

According to FCRA statute, they would need to have written authorization from me to review my credit, which they do not and did not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My XXXX account was frozen, and upon further exploration of the issue I noticed that an individual by the name of " XXXX XXXX '' had used my information to apply for a XXXX credit card, and made charges amounting up to {$980.00}. I personally have never applied for a XXXX Credit Card. However, I can see through my XXXX account that charges were made as early as XX/XX/2021 all the way up to XX/XX/2021. 

I contacted XXXX directly via email notifying them about the issue, in which they had prompted me to send proof that I am the XXXX Account user. This included sending photos of my ID, as well as photos of me holding up my ID, and a copy of my recent bank statement, showing the last 4 digits of by bank account number. Their resolution to this issue was to " unfreeze '' my XXXX account, although my account is still frozen and I have not received further communication from them. 

Further, I contacted Synchrony Bank which is the credit company who handles XXXX Credit Cards. After speaking to a representative from their fraud claims department, yet they only advised me to change my phone number, and they informed me that they would be trying to reach out to " XXXX XXXX '' to collect the debt. However, I was not informed as to how they would be planning to contact that individual, given that they clearly used my information to apply for the credit card in the first place.

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 2021-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ

Complaint narrative:
On XX/XX/2021, I started a couple of transactions at the Money Gram website, both were for the amount of {$2900.00}. ( XXXX XXXX XXXX XXXX XXXX XXXX and XXXX/100 's dollars ) Authorization No. XXXX and Authorization No. XXXX. 

the money was deducted from my XXXX XXXX checking account, on XX/XX/2021. 

XXXX XXXX Reference : MoneyGram WEB PMTS XXXX XXXX XXXX XXXX MoneyGram WEB PMTS XXXX XXXX XXXX XXXX On XX/XX/2021 I canceled both transactions trough the Money gram website. I didn't get any email confirmation for my cancellations but that has happened before, so I was not worried about that at the moment, and on my Money gram account both transactions appeared as cancelled. 

On XX/XX/2021 a credit for XXXX was posted on my XXXX XXXX checking account XXXX XXXX XXXX MoneyGram WEB PMTS XXXX XXXX XXXX XXXX I contacted Money Gram service via chat a few days later to ask about the other reimbursement and was told that I needed to way up to 10 business days to get my money back, which is understandable and I was OK with that.

After 10 business days I contact them again, and get the same response. 

then contact them again and they tell me that the refund was made on XX/XX/2021, that if the money was not showing on my account, I should contact my bank, and they could do nothing else. I asked for a reference number on their transaction back to the bank, but all they keep saying is that they don't have any additional information. 

Knowing that the bank could not resolve this, I initiated a claim with the bank, and the obvious result was the it was denied, since they never received the money from Money Gram back into my account.

Please help me get my money back from Money Gram. 

All they keep saying is that they already deposited my money into my account, that it is the bank 's responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SMS Financial, LLC
State: OK

Complaint narrative:
XX/XX/2021 XXXX - Contacted my employer who transferred the call to my department. At this time she was advised that this is a work number and personal calls are not allowed. Advised not to call back. ( 2 other staff were witness to this conversation. ) XX/XX/2021 XXXX XXXX left on company voicemail from same woman who was advised on XX/XX/2021 that this is a work number and we are not allowed personal calls at work. 

XX/XX/2021 XXXX XXXX left on company voicemail from same woman who was advised on XX/XX/2021 that this is a work number and we are not allowed personal calls at work. 

XX/XX/2021 XXXX same woman transferred to my dept and was AGAIN advised that this is a work number and personal calls are not allowed. Same woman called back AGAIN, spoke with another dept and left a message asking for me to call her back. ( emails from co-worker on XX/XX/2021 XXXX and XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I received both a letter and a personal phone call from Capital One requesting additional personal information on an application for a new credit card. I called them at XXXX and spoke to a customer service rep who said his name was XXXX. I told him I wanted to have the person who submitted the application investigated for fraud. He told me that Capital One could not help me. He said I needed to file a complaint with the police. He acknowledged that Capital One had all of the information provided by the person who requested the card, but he said they couldn't do anything about the potential fraud. This is unacceptable. I hope that your agency can make it more difficult for fraudsters to get away unpunished for id theft. Date : XX/XX/2021 XXXX # XXXX Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I withdrew some crypto to my CoinBase account. It's left my other account, but it still hasn't shown up in my CoinBase account. It's been over 6 hours. I've sent multiple messages on multiple platforms, but I can not get anything besides an automated response. They tell me to submit my issue online and they will send me a Case ID number, but I've submitted four requests, and I have yet to receive a Case ID number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I had {$16000.00} on my saving account. On XXXX XXXX Webster bank added the interest earned and it became {$16000.00}. 
On XXXX XXXX it is showing an unauthorized withdrawal of the full amount {$16000.00} to XXXX XXXX XXXXXXXX XXXX XXXX. 
I have been saving this money for 2 years I cant loose for an unauthorized withdrawal, the bank needs to have a better security system!

Company response to consumer: Closed with explanation