vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
The problem has been for almost a year I've been dealing with missing money from my bank.the most recent incident was Saturday XX/XX/XXXX. Pizza was ordered online for XXXX $ somehow the transaction charged twice I contacted the pizza place she said wait until Monday and you'll see the amount only charged once because their receipts showed it going thru only once. So I waited until Monday and the total came out of my account twice ... Now I've been dealing with this problem with this bank for at least a year I called they gave me some excuse so we did the fraud again. 4 months ago the same thing was happening with another organization I was paying for my membership every month and the bank was taking the money twice a month and when I called too get it take care of they denied giving my money back. So this has been going on to long and I need to figure out how to get this taking care of because I don't know what the bank is doing with the extra money that keeps getting charged to my account.they even allowed a organization to take money from a frozen debit card and made the excuse that it was mastercards fault.

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 2020-12-28 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: MS

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear CFPB, Experian and XXXX  accused me of using a third party credit repair company when it was actually me. I feel completely violated and heavily stressed. Please help solve this problem. It's been over two 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 2020-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
i applied for a XXXX XXXX XXXX XXXX mastercard. and i received a email saying congratulations you have been awarded the card. however the company said i was not awarded the card and was only issued a store card. 

here is the email. i can send you the actual one with the letter head if you need to see that. 

the response from the company we dont know what happened we are sorry Hello, XXXX XXXX You're approved! 


Hello XXXX, Congratulations, you've been approved for a XXXX XXXX XXXX XXXX Mastercard. Even better, you're all set to enjoy the perks of your new account. 
Look for your welcome kit to arrive by mail in about the next 2 weeks.

CHECK OUT YOUR BENEFITS About this Activity We sent this message because you submitted an online application for credit. 



Questions or Concerns Visit Account Center for easy access to frequently asked questions. Our Customer Care team is here to help, too. Just call us at XXXX ( XXXX XXXX XXXX XXXX Mastercard XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX Mastercard ) ( TDD/TTY:XXXX ). 








Copyright 2020 Comenity LLC. This site gives access to services offered by Comenity Capital Bank. 
XXXX XXXX XXXX XXXX Mastercard and XXXX XXXX XXXX XXXX XXXX Mastercard Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Mastercard International Incorporated. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated. 
Please do not respond to this email. Replies to this address can not be serviced. To ensure delivery, please add XXXX to your safe senders list. 

Privacy | Security | Contact

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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:
On XX/XX/XXXX XXXX XXXX Placed an unauthorized inquiries on my report On XXXX XXXX XXXX XXXX XXXX placed an unauthorized inquiry on my report On XX/XX/XXXX XXXX  XXXX XXXX  placed an unauthorized inquiry on my report On XX/XX/XXXX XXXX XXXX placed an unauthorized inquiry on report On XX/XX/XXXX XXXX XXXX  XXXX XXXX placed an unauthorized inquiry on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: PNC Bank N.A.
State: PA

Complaint narrative:
I have contacted PNC regarding pre-payment for warranties for both my homes for three years. PNC requested that I provide them in writing proof that I have been defrauded which I provided. The information provided to PNC are receipts for payments I made out of pocket for services that are supposed to be covered by my warranties. Proof from the XXXX XXXX XXXX that the warranty company XXXX XXXX XXXX has defrauded their customers and are not covering services as they are contracted and having customers pay out of pocket and never reimbursing them as stated. I provided proof that XXXX XXXX XXXX has not reimbursed me for me paying in total for services that were supposed to be covered by my warranty. I provided PNC the correspondence with XXXX XXXX XXXX showing that they still have not refunded me the money in the timeframe they have provided and they are being investigated for defrauding their customers. However, PNC still has not reversed payments that were made both in advance and that were supposed to be in affect and XXXX XXXX XXXX has not honored. XXXX XXXX XXXX is also being investigated by the Attorney General 's office for defrauding its customers. I have attached just a few of the payments that I have paid out of pocket and never been reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XXXX XXXX, despite having paid off the charge in full, our local XXXX store insisted on refunding a charge for a canceled door that they failed to deliver to the store card operated by Synchrony Bank. That left us with a {$4100.00} credit. We were told to wait two days and request a refund. We did. According to our account, the refund check was issued XXXX XXXX, 2020, which brought our account balance to XXXX. We were told 5-10 business days to receive the check. 
During repeated calls/chat room encounters, the customer service reps extend the expected arrival date always another few days. Today is business day 16. Still nothing. The customer service rep, XXXX, today was unhelpful and even told us to file a complaint. He even went so far as to say he would be okay with not receiving his refund - even one as large as this. So here is the 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 2020-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted Transunion on XX/XX/21 about credit inquiries on my report that I did not authorize or have any knowledge about and they are refusing to investigate or remove these inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2020-12-28 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2020-12-28 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: NY

Complaint narrative:
Dear CFPB, XXXX and TransUnion accused me of using a third party credit repair company when it was actually me. I feel completely violated and heavily stressed. Please help solve this problem. It's been over two 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 2020-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DC

Complaint narrative:
I am an XXXX American female. I purchased a Lexus vehicle from XXXX Lexus in XXXX Md in XX/XX/2019 through Toyota Motor Credit Corp. I recently received a refund check for some unknown reason. I contacted TMCC who explained that they randomly reviewed my interest rate and decided I was eligible for a lower interest rate. After the call with TMCC, I found out that they recently settled a large class action lawsuit in which they were sued by XXXX groups for being charged higher interest rates because they were XXXX XXXX groups. 
File No. XXXX XXXX TMCC is still in violation of Consumer laws by discriminating against me by charging me a higher interest because I am XXXX American.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I received a letter from JPMorgan Chase bank in the mail on the XXXX of XXXX, 2020, stating that I changed my address. It also disclosed that I had opened two cards with them, a credit and debit card. The address change was to somewhere in Arizona, and after calling Chase Bank 's customer service, they disclosed the full new fraudulent address. After looking this address up in XXXX, it took me to a house in XXXX, Arizona. This is not my address, and I have never opened an account with Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: CT

Complaint narrative:
XXXX account # XXXX open date XX/XX/XXXX amount XXXX I called XXXX also file an FTC report and they told me that they no longer have that info FCPA section 807 violation misleading false reporting and like this removed account # XXXX XXXX XXXX open date XX/XX/XXXX, amount {$130.00} this account is also fraud and did an FTC REPORT XXXX XXXX XXXX account # XXXX amount {$7300.00} open date XX/XX/XXXX, this account is not mine as well as the others

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I refinanced my car loan the car loan was paired off on XX/XX/2020. I still have not received my title. Called the computer and was told it was sent called back the next day and was told it will be sent out on 10 days 49 days later still no title.

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 2020-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I just got a fraudulent email claiming there's a new derogatory mark on my credit report. According the email address in " sender '' it's definitely not one of the three credit reporting bureaus. See below ... 




From : XXXX XXXX Subject : A Derogatory mark may have been added to your XXXX TransUnion, XXXX, and XXXX Report Reply to : XXXX Sent : XXXX Sent on : Sun, XXXX XX/XX/2020 XXXX XXXX Your A Derogatory mark may have been added to your XXXX TransUnion, XXXX, and XXXX can be viewed at no cost using the link below ( Checking will not negatively impact your score ) View Your Score To unsubscribe please follow this link

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 2020-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: WA

Complaint narrative:
I capitalized ( Authorized ) my Gemini Trading Account ( https : //www.gemini.com/ ) on XXXX in the amount of XXXX and then added XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( XXXX ) for a total of XXXX from my XXXX  XXXX XXXX Checking Account XXXX 
They further took ( Unauthorized ) XXXX ( XXXX ), XXXX ( XXXX, XXXX ( XXXX ) from my XXXX XXXX XXXX Checking Account. 
All Transfers ( Funds ) went to the Following Gemini Account ( GEMINI TRUST CO ACH TXFER ). 
The second series of ( Unauthorized ) transfers were NOT credited to my Gemini Trading Account. I called their number and asked for an explanation ( Call Customer Support at XXXX ( XXXX ) XXXX ( toll-free in the USA ) ; ( https : //support.gemini.com/hc/en-us/articles/204732835-Contact-us ). 
They declined to accept responsibility for the additional transactions and Closed ( Unauthorized ) my Gemini Trading Account which had XXXX in it as well. They had a total of XXXX of my money and refused to refund it or even speak to me about it. I have tried on several occasions to access my account, communicate with Gemini directly and they have refused to speak to me about my missing money, the closed account ( Unauthorized ) or refunding the XXXX in total that they have taken illegally from me. 

XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Direct # XXXX Office # XXXX ( Victim ) XXXX XXXX Email XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX ( Thief ) Gemini Trust Company , LLC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: CT

Complaint narrative:
On XXXX XXXX I had a transaction on my account from XXXX. It said that I purchased an egift card for {$220.00} that I did not authorize. I called KeyBank, and they told me that I would have to call XXXX. So that was what I did, and XXXX said that they would file a dispute, and that I can call back between 10 and 14 days. So I called back and XXXX told me I would have to call my bank, which is KeyBank. I've been trying to call them and I get no answer. When I call them, I'm usually on hold for over an hour, and no one from the dispute department picks up, for me to file a dispute then the call will drop and I have to start all over again. This has been going on for over a week now with no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: IN

Complaint narrative:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2020-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
The SPS mortgage servicing company is my mortgage servicing company on my primary residence mortgage ( property located in XXXX, California ). 

About 3 months ago, I realized that they have two account open for me ( one for XXXX property and another account related to a mortgage in XXXX California ). I told them that I have no property and no mortgage in XXXX California and my only account must be related to the mortgage of property in XXXX. They promised to investigate and eliminate this account from my name. I called them multiple times during the last 3 months. Everything they promise to resolve it but nothing happens afterward. This account seems to be fraudulent and either by mistake or by identity theft is assigned to me. 

I have talked to SPS company multiple times and submitted request to eliminate this false account via their web site. The SPS company has refused so far to clear the mistake or identity theft. I'm disappointed as it seems like the company is not caring and it is not doing its job properly to rectify the identity theft or mistake They even refuse to give me information about the other account. They keep me responsible for the account but they refuse to give me information about the account!!! This is totally unacceptable. I need to escalate this to the government authorities as SPS is not doing its job properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CBC Companies, Inc.
State: MI

Complaint narrative:
I used to have a XXXX card ( XXXX XXXX ) and XXXX went bankrupt.When XXXX went out of buisness my XXXX card was transferred to " XXXX XXXX XXXX '' which I never applied for, asked for etc., ..Also, I never had a option to opt in or out.After filing complaints to XXXX XXXX , XXXX XXXX is saying that they made a buisness decission and there was no opt out option.According to CFPB, I have the right to opt out of newly changed terms which i never had that option.XXXX XXXX ( XXXX XXXX XXXX/XXXX ) closed my account with out any knowledge or paper work sent.Because of XXXX closing my account, it has caused a negative on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Collection Agencies, Inc.
State: MA

Complaint narrative:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation