vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: GA

Complaint narrative:
Mid XX/XX/2021, I was transferring funds to an external bank account. I received a call to verify the transaction and I confirmed that I made the transaction and was told it would process the next business day. My account was immediately locked for potential Fraud and has been for more than 2 weeks. I call daily to check on the status of my account, it is still locked and customer service tells me that there is nothing I can do because the fraud department is unreachable. Without access to my money I can not pay bills or buy food.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Convergent sent a letter requesting that I pay a debt that is not mine. I asked for validation and they sent me a contract with a signature that is not mine. It looks like the signature my be XXXX, not sure what the last name is. Please look at the signature pages. I have asked them to remove this from my credit file but they refused. 
Please help. This is injurious to my credit as well as my character. I pay my bills on time and have no collection accounts.

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 2021-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
To whom It may concern, I request validation of this debt per Texas  Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 Please note XXXX, XXXX, and XXXX are bonded in the state of XXXX and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response immediately Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter.

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 2021-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
To whom It may concern, I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. XXXX Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response immediately Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I opened a check-in bank account in Regions bank in XXXX, Alabama. The account was working fine for XXXX weeks, but due to some issue, they closed my account without telling me. I am an international student studying in the US, I ordered something from XXXX from that bank debit card and I returned it back, so XXXX is saying the amount has been refunded but the bank is saying your account is closed, so there is no amount so contact to XXXX. And XXXX is saying contact to the bank they will provide you cheque, just provide the transaction id ; I provided the transaction id also but bank says that their is nothing where we can enter this

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 2021-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Coinbase advertises the purchase of XXXX, a cryptocurrency that operates on a blockchain called XXXX. However, when you purchase XXXX on XXXX, they actually sell something called an XXXX token on the XXXX blockchain which is *not* the actual XXXX cryptocurrency and which costs upwards of {$180.00} to convert into the actual cryptocurrency. XXXX, they completely lied about the asset they were selling and suckered me out of my money which I believe I was transferring to XXXX but instead was transferred to XXXX. So unless I spend now {$180.00}, I'm out my {$80.00}. XXXX refuses to take any responsibility for this action and only after I complained informed me that they do not actually sell XXXX on the XXXX network. This is entirely fraud, and as a company with significant holdings in XXXX, XXXX stands to profit from the more money sucked into that blockchain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP
State: MO

Complaint narrative:
I am dealing with the death of my grandfather who just died last week I told XXXX bank I will contact them after I finish handling these family emergencies

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 2021-11-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX 's credit card business moved from Synchrony to XXXX XXXX on XXXX XXXX, the old XXXX accounts were reported to the credit bureaus as sold and closed. As a result my credit scores dropped. While I was with XXXX I had a perfect payment history and was the excellent customer.

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 2021-11-24 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: CT

Complaint narrative:
XXXX, EQUIFAX and XXXX are in violation of the law for reporting fraudulent and misleading information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: PA

Complaint narrative:
To who it may concern, I had to ask for the CFPBs assistance for I am worried that my letter is being ignored since I have not received any response from your company. I was requesting for some negative items to be verified and be deleted but from XX/XX/2021 until this date, it's been over a month but I never received any letter or notification from your company.

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 2021-11-24 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: PA

Complaint narrative:
To who it may concern, I had to ask for the CFPBs assistance for I am worried that my letter is being ignored since I have not received any response from your company. I was requesting for some negative items to be verified and be deleted but from XX/XX/2021 until this date, it's been over a month but I never received any letter or notification from your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: INVESTORS BANK
State: OH

Complaint narrative:
I applied online XX/XX/21 to Investors Bank XXXX XXXX XXXX XXXX XXXX, NJ XXXX for a XXXX XXXX XXXX XXXX based on an offer they made me. On XX/XX/21 at XXXX Reference Code is : XXXX they told me I was turned down and would have to wait on a letter in the mail in about XXXX days for the reason which I never received. I followed and messaged them about XX/XX/21 and received no reply to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2021 a hard inquiry was posted to my XXXX credit report from CBNA, XXXX XXXX XXXX, XXXX XXXX, SD XXXX I have contacted both merchants with whom I have accounts with issued by CBNA and they have confirmed this was not initiated by them. I have contacted XXXX who will not investigate it or provide any other details about the inquiry. They require a police report or a completed complaint form from the FTC. I originally went to the FTC website https : //www.identitytheft.gov/ but was redirected here. 

I am at a loss to understand why CBNA would do a hard inquiry when both accounts have been open for years. Please contact me so I can get his resolved.

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 2021-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Greetings, My name is XXXX XXXX. I have XXXX accounts at Regions Bank, that I would like to discuss with you. The XXXX accounts end in XXXX ( joint account ) and XXXX ( solo account ). 

At the very beginning of XXXX I initiated a transfer of {$420.00} from account XXXX to XXXX account. 

Issue : After discovering an issue yesterday XX/XX/23 ( XXXX weeks later ) I discovered the following ( please note this discovery came yesterday when the account ending in XXXX went negative )... 
1. When I initiated the transfer it was taken out of my account ending in XXXX. 
2. A few days later it was put back into my account ending in XXXX ( as a returned check item ). 
3. The transfer of {$420.00} was successfully put into the other account ending in XXXX in early XXXX. 
4. XXXX weeks later ( yesterday ) the amount of {$420.00} was debited from my account ending in XXXX therefore causing the account to be in a negative balance. 

My concerns : 1. Why did Regions take the money and give it back to me with the account number XXXX in early XXXX? The transaction essentially canceled out. 
2. Why did Regions bank wait XXXX weeks to rectify this with account XXXX? 
XXXX. Why would account XXXX be the XXXX debited and not account XXXX? 

My request : 1. For the {$420.00} to be forgiven from the bank. I am requesting for my account ending in XXXX to be bought back to a current/positive status. 

My reasoning : 1. This appears to be a bank error. It appears to be a late act of the bank and an unnecessary confusion of accounts. As a bank customer I have entrusted my financial transactions with Regions bank. Handeling many transactions in a day let alone weeks later is very concerning. 
2. The bank has had a breach of a duty of care for my accounts. It appears to be a breach of its contractual obligations to me as a customer. 
XXXX. This has bought harm to my assets. 

I would greatly appreciate any expeditious handeling of this situation. 

Note : If this message needs to be sent to someone else at your institution or company please forward to them. I would like to have this handled as soon as possible. 

I can be reached all day today via email or telephone regarding this situation. My telephone number is XXXX. Have a positive and productive day. 

P.S. Please see the attached document. It includes XXXX screen shots that I have gathered for your review regarding the XXXX accounts. 

Kind Regards, 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 2021-11-24 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: PA

Complaint narrative:
I have sent several verification letter via to Equifax. They never responded. I filed a previous CFPB complaint XXXX. They opened a investigation and shortly closed it with verify the account. In the CFPB I asked for Validation of Debt and HIPPA Authorization. Please provide a breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until debt has been validated by me. None of that was provided. Withholding the information they received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because they will be deceiving me after my written request. They are violating my FCRA rights! 

Account in dispute listed below : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: EQUIFAX, INC.
State: VA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: NJ

Complaint narrative:
XXXX, EQUIFAX and XXXX are in violation of the law for reporting fraudulent and misleading information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I opened a checking account with the fifth third bank using an offer code that was sent via mail. After I met the terms and conditions I called the bank because I did not see any credit mentioned in the offer. The bank mentioned that they are unable to see the offer in their system so unable to honor the offer. I gave them the offer code that was sent to me and they confirmed it is a valid offer code but still can not honor it because it is not applied in the system. 

They know that I used the link provided to me on the offer but I am not sure why the offer code is not reflected in the backend. 

I am extremely disappointed because I opened the account based on the offer that was sent via mail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
CitiBank responded with no valid information that proves they are the original creditor. Any competent individual will be able to understand exactly the type of informationa and documentation I am requesting. I feel as though this response was put together to discourage me from exercising my rights. I have attached their response and my response to their email can be found below ; " Hello, I have received your response and thank you for responding in a timely manner. However, I need the name of the individual who prepared this response. I will also inform you that I am of age majority and competent. I understand the laws I am reading and exercising my rights to remain in honor. Unless this response was drafted by a artificial person, Im sure you ( Agent and principal ) and I ( competent consumer ) knows that this response does not at all fulfill my request. This is my final notice to cure. I will be escalating this issue with the XXXX, XXXX and XXXX, I will also file a complaint with my attorney general. Please refer back to my complaint and respond accordingly. Furthermore, I requested specific information and gave specific instructions. This notice constitutes as silence, as it did not address the root of my complaint. ''

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 2021-11-24 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: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have wire transferred {$1000.00} to my own account on XXXX XXXX but I have chosen the wrong bank from the options Citibank provided. Then I called Citibank to recall the money on XXXX XXXX and they said they'll recall the money and I'll get my money back within XXXX weeks. I kept following up with them in the past XXXX month and they were unable to provide any information to me. Like what's the difficulties and why it's take so long, they just ask me to wait. Now it's already XXXX months and they still don't have a timeframe for me to get my money back which makes no sense. Please help me to get my money back. 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 monetary relief