vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was offered a 0 % balance transfer from my XXXX XXXX XXXX. I replied to transfer my XXXX  card balance of {$730.00} on XX/XX/2019. My XXXX  account was charged the {$730.00} on XX/XX/19. My XXXX account was never paid the {$730.00}. I sent a message on XX/XX/19, and received a reply on XX/XX/19 that it takes 14-21 days to transfer. I sent another message on XX/XX/19 asking where the money was since I was charged on my XXXX for the {$730.00} transfer but it was never paid to XXXX   yet. I sent another message on XX/XX/19 asking again where is the money? I then called their Comenity Capital Bank consumer care department on XX/XX/19 spoke to XXXX  and was told they will look into it. I received a message on XX/XX/19 saying they are working on it. I just sent another message on XX/XX/19 asking where the money is ... .... I just checked my XXXX account XX/XX/19 and it has never been paid. The XXXX  statement on XX/XX/19 came in and I got charged interest of {$15.00} which should never have happened. It should have been paid by XXXX in the balance transfer request from XX/XX/19. Someone needs to be accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
As a follow up to CFPB Ref # XXXX. Wells Fargo is claiming that they did not send 30 day delinquency when in fact they sent my spouse a letter claiming they did report in error, which I will attach for review. CFPB case XXXX for XXXX XXXX XXXX. My credit score went down 15+ points to the error from Wells Fargo 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 non-monetary relief
Consumer complaint received 2019-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I attempted to order my free annual credit report from Equifax. I had to make a few attempts because the website did not seem to be working correctly but I finally did make it to the validation page where there were 5 question that were not relevant to any business conducted by me, so I answered " none of the above '' to all 5 questions because that was the correct response. Upon submission, a web page displayed which informed me I would have to order the report by mail and provide certain documentation. I have ordered the report via mail and am waiting for it to arrive. This is not the first time this has happened with Equifax and it has never happened with XXXX or XXXX XXXX, which is why I decided to initiate this complaint. It seems to me that Equifax just tries to avoid providing a free report by making it cumbersome for the consumer. It even involves a postage expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I recently found out from reviewing my credit report from XXXX that Macys claims I have and outstanding balance. That was news to me since I have not received any bills from Macy 's. No paper mail, no email and no phone messages. 

On XX/XX/XXXX, I wrote Macy 's requesting additional information regarding the charges. My inquiry revealed two things : 1. ) Macy 's claims that I used the credit cart to purchase {$97.00} on XX/XX/2019. 
2. ) Macy 's shows all means of notification were turned off. That is, I would not receive any bills. This explains why I received no bills.

I do not remember making the purchases but I offered to pay the {$97.00}. Macy 's has now sent a bill for {$240.00} to my home address. I attempted to have them eliminate interest and late fees without avail.

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 2019-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I HAVE NOTICED SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I HAVE NO IDEA HOW SOMEONE COULD GET INTO MY CREDIT AND DO SUCH DAMAGE BUT PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a credit card with the company Capital One. Capital One gives customers the option called quick fund release to pay their bill and have the funds release within minutes the same day through XXXX   XXXX. One of the Senior Account representatives told me you can do a quick fund release once per day every day. I perform this payment of action on XX/XX/XXXX and my funds were released. I performed the same type of payment on XX/XX/XXXX. However, the representatives told me my payment would not be accepted and my funds would not be released because I perform this action yesterday and my payment has not been posted to my account. I do not understand why I wasnt able to do this when I have always done a quick fund release without my payments being posted to my account. Im trying to pay my bill and they arent letting me. I dont understand why.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
Debt Recovery Solution is reporting a negative item of collection amount of {$99.00} on my XXXX and XXXX credit reports. Date reported opened XX/XX/2018. 

THIS WAS A URGENT CARE VISIT AND THE HOSPITAL NEVER SENT TO MY INSURANCE, WHICH COVERED THE VISIT/SERVICE. 

Debt Recovery Solutions is reporting on my XXXX and XXXX ) credit reports without every notifying me of this debt. My insurance company informed me that the payment was made to XXXX XXXX XXXX and there is not balance outstanding. 

This is inaccurate collection on my credit report is adversely affecting my life ... I have been denied employment, credit from credit cards and mortgage loans, leading to my divorce and extreme medical issues from the stress. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Circle Internet Financial

Complaint narrative:
This issue involves the cryptocurrency exchange XXXX. On XX/XX/XXXX I deposited 2 bitcoins and converted it to monero. When I tried to withdraw, it did not go through. I opened support tickets and contacted a representative via XXXX and was told that the funds needed to be reviewed before being released. The funds were locked away in the attempted withdraw as the currency dropped in value but was released at the end of XXXX. I still could not withdraw so i moved the funds over to their lending platform on XX/XX/XXXX. Now on XX/XX/XXXX they have announced they have had losses on the Margin trading on XX/XX/XXXX so they are reducing all lending accounts by 16 % taking from the customers to cover their losses.

This is a big issue as 1 ) they have not given me access to my funds for 2 months, and 2 ) have taken a 16 % cut for an event that happened before I moved my funds to their lending platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XXXX XX/XX/2019 a mobile deposit was made to my secured credit card with Wells Fargo Bank, in the amount of {$530.00} and change. On XXXX XX/XX/2019 the money was made available to my card, ( card number not available to me as it was reported lost by me on XXXX XX/XX/2019. On XXXX XX/XX/2019, Wells Fargo bank did not report to me that the money was returned, UNPAID! The mobile deposit was paid by a friends sister. I found out the money was returned by looking at my online account and noticed my account closed. That the balance due is over {$850.00}. My secured credit card has an available balance of just {$300.00}. When the mobile deposit was made on XXXX XXXX, the money sent, {$530.00} and change paid off the entire balance due! When the {$300.00} became available to me on XXXX XXXX, I spent {$280.00} plus ATM charges and advanced payment charges, not yet told or shown on my online account. So, how in the world is Wells Fargo bank, holding me liable, closing my secured credit card and ruining my chances of increasing my credit score by making on time payment and closing the card. Why am I liable for the {$530.00} in returned GOOD FUNDS. A mobile deposit can not be made unless the funds are available and are instantly sent! This is the third time Wells Fargo bank has done this to me! I want my secured credit card account re opened. I want the {$530.00} taken off of my balance due immediately. The prior two times a mobile deposit was returned was in the amount of {$610.00}, twice, that I later, foolishly paid them. I also the amount of those two mobile deposits returned to my checking account with Wells Fargo. That's a total of {$1200.00} plus the most recent returned mobile deposit for {$530.00} returned to me immediately! Thank you. Wells Fargo bank is simply an organized crime syndicate stealing money from its own customers! The many lies told to me include by a woman in the executive office of credit cards on the phone lied and told me that the deposit was a " bad check "! If it were a bad check, why are they not doing a criminal investigation as required by law?

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 2019-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

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 2019-06-07 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have 4 late payments listed on my experian report. Those accounts were part of my chapter XXXX and should be discharged and not listed as late or at all.

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 2019-06-07 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: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I opened up a credit card with Synchrony Bank and was giving a {$200.00} credit limit. I used my card for the first time on XXXX and contacted the customer service office to verify my billing date and when the balance would be reported to the credit bureau. The women I spoke to informed me that even though my balance was due every XXXX of the month, I did not have to make a payment until XX/XX/XXXX not XX/XX/XXXX. I asked her several times for confirmation being that I am in the process of purchasing a home and rebuilding my credit. She confirmed that the balance would not report until after XX/XX/XXXX. Today XX/XX/2019 I receive an alert from my credit monitoring sites that {$170.00} was reported to my credit report, which dropped my score 17 pts. I immediately called the and spoke to XXXX batch # XXXX who was unable to help me. I asked to speak to someone in the united states and spoke to XXXX batch XXXX who was apologized for the error but said there was nothing she could do. I then spoke to XXXX a customer service manager, who said he also apologized for the error but there was nothing he could due. I asked to speak to his manager and he said there was not anyone available. I am in the process of purchasing my home and this is not our error. if they can pleasssssse listen to the conversation on the XXXX it confirmed the incorrect information giving to me. My balance should reflect {$0.00}. We are not going to be able to purchase our home because of this company. This card is a ripoff and ruining people life 's due to their error.

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 2019-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
These items below do not belong to me or anyone i know. I have tried to fix this myself and have gotten no where. this is keeping me from buying a home XXXX XXXX XXXX Opened XX/XX/XXXX {$140.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$66.00} Original creditor : 01 XXXX XXXX XXXX   XXXX XXXX XXXX Opened XX/XX/XXXX {$640.00} Original creditor : 11 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 2019-06-07 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: Lending Club Corp
State: NY

Complaint narrative:
I have disputed, on multiple occasions, the two " Lending Club Corporation '' accounts that appear on my XXXX  credit report. My disputes have been in writing to the company and at least four of the debt collectors companies that have since purchased these debts. I furnished ID Theft reports and statements directly to the aforementioned businesses, and I have furnished the same details to each of the three credit reporting agencies ( CRA ). XXXX and XXXX  have both deleted these accounts from my credit reports. However, Lending Club Corporation continues to report these fraudulent accounts to XXXX. Kindly note that, the third of the three disputed ( fraudulent ) account, reported by an entirely separate business " Upgrade '' which I have disputed with all three CRA along with the two Lending Club Corporation accounts, no longer appears on any of my three national credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: OH

Complaint narrative:
These items below do not belong to me or anyone i know. I have tried to fix this myself and have gotten no where. this is keeping me from buying a home XXXX XXXX XXXX Opened XX/XX/XXXX {$140.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$66.00} Original creditor : XXXX XXXX XXXX XXXX  Source XXXX XXXX Opened XX/XX/XXXX {$640.00} Original creditor : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
These items below do not belong to me or anyone i know. I have tried to fix this myself and have gotten no where. this is keeping me from buying a home XXXX XXXX XXXX Opened XX/XX/XXXX {$140.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$66.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$640.00} Original creditor : 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 2019-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
There are several accounts falsely reported to my credit report. I complained to the FTC, and directly to the credit bureaus. I submitted copies of my DL, SS Card, Current Bills, ETC all to prove my identity. I asked them to match the signatures on my DL with the signatures on the accounts falsely opened in my name. XXXX XXXX XXXX for XXXX and XXXX There's alot of inaccurate information constantly reporting on my credit report due to the compromise of my identity, I recently disputed all the accounts inwhich are hindering me to obtain my true credit report. I have demanded that the 3 major credit bureaus to block the accounts from my file. Somehow their response was that the accounts been verified. Well that's the nature of a good fruad for something to appear true but under the surface it's not. So with that said there's no way that their investigation could have accurately proven to be correct and true. I'm now demanding that Transunion, XXXX  and XXXX  provide me with their Method of Verification into this investigation, as of my consumer rights as outlined with the FCRA, if this is not provided to me I will then file with the FTC and/ or file a suit. I would attack each and every creditor but it's not there doing it is the doing of the reporting agencies for reporting and not doing their due diligence before attaching information to people 's file. I'm demanding physical cerfied documentation for the following accounts, I also want the names and title of each employee inwhom worked and investigated these accounts. I want to know inwhom did they speak with and by what means of communication did they use. What date, day, and time. All and everything to do with these accounts if not then the 3 major credit bureaus must delete, remove, and block the accounts immediately as stated within the FCRA language. The accounts are XXXX XXXX XXXX for {$700.00} and {$5400.00} both for XX/XX/2018 XX/XX/2018

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 2019-06-07 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: CA

Complaint narrative:
Equifax is not responding to my dispute, Items where removed from XXXX and XXXX  promptly, more than 30 days have passed, I've sent my ID Theft report, as well as other supporting documents. Can not access their dispute feature online, have sent multiple faxes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07 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: FL

Complaint narrative:
Company has wrong info of denial. They have told me to contact XXXX but XXXX says they dont have the info the bank has on their credit report. The bank did say my credit was XXXX out of 300 min to 620 max. Company also continues to deny an interactive good faith process to accommodate my XXXX. Company also has failed to accommodate any of my XXXX in any way. I am making a new complaint because I could not get access to my previous complaint. This is an addition to that 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 2019-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: NY

Complaint narrative:
I noticed on my credit report that an Agency by the name of " The Bureaus " has put a collection debt on my credit report. I have sent them notices to " VALIDATE '' not " VERIFY this claim and send any VALID proof that this Debt belongs to me. They have unsuccessfully provided any Validation that I have a legal obligation to pay them any such money claimed. I have also reached out and sent notices to the 3 Credit Bureaus, XXXX, XXXX, & XXXX about reporting this false claim on my credit report as well. None of the above institutions can provide any proof that I owe this money to said Company-The Bureaus nor that I am legally obligated to pay amount claimed nor that this account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

Company response to consumer: Closed with explanation