vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX I noticed that there were 2 transactions in my Fifth Third checking account that were not initiated by myself or my husband. Both transactions were completed using the XXXX service which is offered through our 5th 3rd mobile app. 
Transaction # 1 was done on XX/XX/XXXX at XXXX XXXX  {$990.00} was XXXX  to recipient XXXX  XXXX via phone number XXXX Transaction # 2 was done on XX/XX/XXXX at XXXX. {$990.00} was XXXX  to recipient XXXX XXXX via email address XXXX On XX/XX/XXXX I called 5th 3rd Bank to file a dispute for both of these transactions. I was told that the investigation would take 7-10 business days. I spoke to 5th 3rd on Monday, XX/XX/XXXX to follow up on the investigation and I was told that the case was closed as they determined the charges to be correct. Obviously upset with this outcome I requested that the care be re-investigated. I was told that they would reopen the case, investigate but that since it was a XXXX person to person transaction its treated as cash and XXXX will not refund 5th 3rd. Therefor 5th 3rd will not be refunding my account for these fraudulent charges. 
I have tried numerous times to contact XXXX at XXXX. It is literally impossible to speak to a person at XXXX. I completed an email dispute form with them but have heard nothing. Their website says that You may also report the user directly to the FBI Internet Crime Complaint Center at https : //www.ic3.gov/default.aspx. on XX/XX/XXXX I made a comment on XXXX 's XXXX  page and they XXXX messaged me to " offer to help ''. I shared with them via XXXX messenger what has happened. Hoping that finally I've been able to connect with XXXX and may they will help me, I check the message. They did not read the message and blocked me so I am no longer able to communicate with them. 
I have included copies of the XXXX confirmations for each transaction. I have spoken to Fifth Thirds dispute department several times. That phone number is XXXX. The claim number is XXXX. If you need any other information, please dont hesitate to call me at XXXX. Thank you for your help in this matter. Its very much appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, XXXX XXXX XXXX, on XXXX XXXX, 2020, XXXX XXXX and on XXXX XXXX, 2020, SYNCB/PAYPAL add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Dear Sir/Madam, I am writing to seek help with resolution of an issue with Suntrust Bank. In brief, I closed an account with Suntrust approximately 2 months ago. I was assured that a check would be sent to me with the existing funds ( ~ {$3400.00} ). When nothing was received, I contacted Suntrust, which confirmed that a check had been sent. I receive mail every day. While puzzling that the check was lost in the mail I gave Suntrust the benefit of the doubt. Suntrust ( customer service ) assured me XXXX XXXX XXXX that a new check would be sent. Again, nothing was received. I proactively contacted customer service again this week XXXX XX/XX/20 XXXX. During the call, the customer service representative investigated and reported back that a check was not indeed sent. Rather, a form would be needed to obtain a new check. They insist that the form be taken to a branch of Suntrust. I complained sufficiently that they emailed me the check rather than forcing me to go to a branch to pick it up. I have several problems with how this has unfolded. 

Foremost, given that this is the 21st century ( not to mention a pandemic ), there are a myriad of different ways in which those funds could have been returned ( including electronic transfer ). This seemed deliberate in its intent to stall the return of my funds. 

Second, their process deliberately relied on my actively pursuing them for the return of the funds. I asked the customer service representative directly : what would have happened had I not continued to contact the bank? Again, this seems highly problematic. 

Third and most importantly, I still have not received the funds, 2 months after closing the account. The bank has collected interest and inconvenienced me, while arbitrarily inserting obstacles to what should be a very simple transaction. The form is unintelligible and does not apply directly to this transaction i.e. it requires a notarized statement that something was lost. Again, there is no utility to this outside of prolonging the process. Specifically, there is no risk of duplication as Suntrust has already verified that no check was ever cashed and the bank is able to cancel the original check assuming one was really dispersed. I am frankly skeptical it was ever sent. 

Any help in resolving this is appreciated. 

Sincerely 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, MD 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 2020-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX  and Transunion should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a 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 2020-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
Hi I have been a Coinbase user for the last 3+ years and recently I saw a transaction of {$1000.00} from my bank account to Coinbase and no description of the problem was provided in the detail section. I logged a complain about it using Coinbase 's Help center on their website. Rather than providing me a satisfactory answer instead they disabled my account. It happened on the XXXX XXXX, 2020 and I received a reply from them that we have assigned your case to an account specialist for review and we will get back to you as soon as the review is done. The review takes 3-5 business days. It's been 17 days now and I am not getting any update from them though in these 17 days I have sent them more than 20 emails but they won't respond. 
My account had roughly {$38.00}, XXXX when they locked it. Where {$22.00}, XXXX or a little more were in USD and more than {$15.00}, XXXX in different cryptos. 
I am locked out of my account and since crypto currency is so volatile that I have already lost lots of money because I can't take proper steps to sell my cryptos  in time. Also I am at a high risk of losing most of my money in the blink of an eye if any crash happens which multiple analysts are already talking about while Coinbase wouldn't resolve my issue and won't respond to any of my emails and won't even unlock my account. They have no online chat or phone no to be used for contacting in case of any such issues. 

My Case # is XXXX and my email address associated with my account is XXXX. I tried contacting them on XXXX as well but no luck there as well. Someone on XXXX then referred CFPB that they are very active and helpful in case like this. I'll really appreciate if this matter be taken with them and my case be resolved in time. 

Let me know if you have any questions. 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Attached is a letter I received from XXXX XXXX reflecting the rights they have to share my personal information regarding Loan # XXXX. This was a fraudulent loan and XXXX  XXXX  did not even have permissible purpose to access my private information. See incomplete application that was used to access my credit report one day after credit was pulled. So now sharing my personal information now adds insult to injury. I called the number on the letter and was informed the letters went out by mistake?????????? What other mistakes is XXXX XXXX XXXX XXXX making? According to the Fair Credit Reporting Act ( FCRA ), a national consumer credit reporting agency 's ( CRA ) role in the dispute process is to review the accuracy and completeness of any disputed item. I request the CRA to review the incomplete application that was not to be processed as was even reflected at the top of the application.

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 2020-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: TX

Complaint narrative:
Im receiving phone calls about a debt I do not owe and that has not been validated through writing. Per section 609 of the FCRA I requested written proof of the original debt and have not received anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
On XX/XX/20 I initiated a transfer of {$8000.00} from my Chase checking account to my XXXX savings account. The amount was debited from my Chase account on XX/XX/20, but has never been deposited to my XXXX account. I have attempted to file a claim with Chase to have the funds returned to my Chase account, and the Claims department has given me multiple different answers for why they can not assist. On XX/XX/20 at XXXX CST Agent XXXX stated she was unable to assist and would need another department to help. She transferred me to agent XXXX at XXXX. XXXX stated she saw the transaction went through from Chase to XXXX, but stated I would need to call XXXX  XXXX XXXX to have it reversed. She could not explain how or why XXXX  XXXX XXXX was involved in the transaction, but as adamant that she would not complete the complaint until I called them. She provided a telephone number for XXXX  XXXX XXXX, which I attempted to call and found was out of service. XX/XX/20 XXXX CST : Initial CSR read the notes from XXXX and XXXX and stated he wasn't sure why XXXX  XXXX XXXX XXXX involved, but he believed the issue was with XXXX XXXX XXXX This also made no sense. He transferred me to CSR XXXX. XXXX 's line had extreme feedback and was not audible. She placed me on hold for 15 minutes before the line died. After the inability of the phone support staff to resolve the issue I attempted to resolve the issue via the Chase Secure Message service, but I was told on XX/XX/20 and XX/XX/20 that complaints must be routed through the phone center.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I received a Cares Act Grant for {$5000.00} which was mailed directly to SPS Mortgage in Utah by XXXX XXXX XXXX in Florida with my name and account number on the check. This was mailed XXXX and would have covered 2 home payments. I have sent copies of the award letter and the paid receipt the date it was mailed to SPS. I still have not seen the payments posted on my mortgage for XXXX and XX/XX/XXXX. I have called three times and the customer service staff will not put me into a cue to talk to someone who has the ability to search by my name or amount of the check being deposited in a holding account. They refuse to do the research until I provide more details, which have been requested on XX/XX/XXXX with XXXX XXXXXXXX XXXX office in Florida. There is a escalation in process to provide details, but in the meantime SPS should do their part and look for the check also. Thank you, XXXX XXXX XXXX SPSXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phone XXXX Loan # XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit card or prepaid card — Store credit card
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: FL

Complaint narrative:
XX/XX/20 I called Comenity Capital Bank at XXXX and spoke to an agent inquiring about why my payments were being marked late, and the agent wasnt sure and told me I needed to take it up with their credit department and was transferred to XXXX XXXX 

This was not helpful to me, so at XXXX I returned the call and spoke with another agent, and asked not to be transferred to the credit bureaus because it was not helpful. This agent was trying to look into my account to find out why my account was being recorded as late. He pulled up my payment history and was just as confused because all of the payments had been made on the due date. He said was trying to change it in the system to reflect not late, but was unable to do so and that I would need to talk to someone in the credit department to have them fix it. He also said he had a connection in the credit department and transferred me to a call cue at XXXX XXXX. This was not helpful. 

I called back at XXXX and spoke with another agent inquiring about how I can get something in writing saying the accounts were not paid late as two agents earlier in the day had already said. He told me, they were marked late because the payment was not the full amount due. 

Caveat to this- I was on a 3 month plan to get current because while I was on maternity leave ( XXXX  ) I was unable to make my payments because it was a huge pay cut. Once their grace period ended they added all of my payments together and that was total due. Something around XXXX. Theyre collection department set up the payment arrangements, amounts, and even the auto drafts from my account. So I know that what this guy was saying was false information. 

He kept putting me on hold and couldnt find any other reason that my payments were being marked late other than they were less than the $ XXXX due. I asked him if there was something he could give me in writing showing that my payments were not late for those months. He told me I had to request it in writing from the credit department and then they would take 30-45 days to respond and dispute any information. I told him, before I can dispute it with the credit bureaus I needed a letter saying my payments were in fact, not late. He just kept telling me the above information. He said requesting this in writing was the only way to move forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16 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: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I made a {$1700.00} payment to RentDebt to remove a collection off my credit report. Before I made the payment I was told I would get a deletion letter. After the payment was made I received a XXXX  balance letter through email. After a couple weeks I called to check the status on the deletion letter and was told that they only provide a XXXX balance letter. I called RentDebt back on XX/XX/20 to follow up because I was informed that this company does provide deletion letters. The deletion letter that was promise at the time of payment I was told again by an agent that RentDebt only gives the XXXX balance letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was working in XXXX XXXX and planned to retire on XX/XX/2020. I booked two XXXX business tickets from XXXX to XXXX via XXXX for XX/XX/2020, the amount of 2x {$3800.00} was charged to my Chase visa card on XX/XX/2020. The flights were canceled by the operators and the charges are not refunded after many phone calls and faxes to Chase credit Dispute XXXX XXXX, fax XXXX XXXX XXXX ). 

After the previously booked flights were canceled, we were anxious and desperately searching flights to go home. We noticed XXXX was accepting international flights. I booked two  XXXX business tickets from XXXX to XXXX via XXXX for XX/XX/2020, the amount of 2x {$3800.00} was charged to my Chase visa card on XX/XX/2020. The flights were canceled by the operators and the charges were fully refunded on XX/XX/2020. 

We finally booked two seats on one of US State Department arranged repatriation flights and arrived in XXXX on XX/XX/2020. 

After many calls to the Chase Dispute XXXX XXXX XXXX and faxes ( XXXX XXXX XXXX ), I am still denied to refund the XXXX to XXXX trip for 2x {$3800.00}. Please help! 

Best regards, XXXX XXXX XX/XX/2020

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-16 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: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
I have sent an RFI to Caliber on XX/XX/2020 to which I got only a partial response. I did get a payment history which seemed confusing and I had sent a second letter to Caliber on XX/XX/2020 questioning some of the charges which seem to be questionable and don't add up. I will attach the letter I sent to Caliber along with the payment history which I am questioning. So far I got no response and the continued reporting of erroneous data is detrimental to me. 

Other issues of reporting are as follows : The full 7 year payment history is not listed High balance of {$250.00} is not accurate Date of first delinquency is not listed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: CA

Complaint narrative:
complaint against : Sun West Coast Mortgage XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX Ca XXXX Upon moving into the home we have noticed or had issues that was not listed in inspection and appraisal documents. These issues have cost my family over XXXX dollars. We purchased the home and was never told about the fire hazard with a sliding door not being able to open. We also have a gas fire place that the previous home owner told me he dont know if it works or not. We had to cut down trees, we had a second floor leak and all of these problems where within a week or two of us moving in. I hav documentation of these issues along with invoices. I spoke with the company on numerous ocassions and they have not tried to help me. I told them that FHA wouldnt have approved of that home with the hazards it had coming in. I also explained to them my family would had made contengencies based on the issues the home presented. But these issues was not listed in the inspection. To me it seem like he left off the things that didnt work to finish to process. The appraisal as well as the inspection was done by my mortgage company in which i feel they are doing illegal practices to benefit from higher loans for clients. Also when they got word of my complaint of my concerns I recieved paper in the mail stating I have a new company to sent my mortgage payments to

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: MI

Complaint narrative:
I have sent 3 rounds of letters to Equifax requesting they remove the student loans on my file that are clearly marked as " transfered ''. These tradelines are holding my score down making it very difficult the navigate through financial life successfully. In addition to the transeferd tradelines there are also accounts reporting past the legal reporting date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/2020 Some one purchase XXXX XXXX  and I didn't purchase this on my credit. When I tried to cancel it it would not cancel. This is an ongoing issue with this Paypal credit with Synchrony Bank as some one hacked 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