vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
Hello Ive never checked my credit report or scores that often because I pay cash for almost everything, I finally decided to check yesterday and I seen that there was an error on my XXXX XXXX and XXXX stating I owed Franklin service {$110.00} from an Atnt account that I had at an address that Im not familiar with or have never stayed at, In another county in Florida and XXXX didnt give me any troubles because those were fraudulent inquiries or debts that I never owed them I would like to have this report so when I contact XXXX and XXXX they can remove there fraudulent, unverified transactions and take that address off my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I purchased a XXXX XXXX gift card at XXXX on XX/XX/XXXX and added {$310.00} to the card. That same day I tried using the gift card on a well-known website that verifies your identity by withdrawing a small amount from your account. However, before I could verify my identity, the card was automatically cancelled. Upon calling customer service, they told me that if they detect any fraudulent activity, they'll automatically cancel the card and issue me a replacement card which would arrive in 7-10 business days. 

When I didn't receive the card in 7-10 business days, I called them again on XX/XX/XXXX. They told me to wait an additional 2 weeks in case it got lost in the mail. After two weeks, I called again on XX/XX/XXXX and the call representative said I should have just called after 7-10 business days instead of waiting 2 weeks. Regardless, they said they would send a replacement card. This time I gave them an alternative address to see if that would help. I asked if I could get a tracking number, and they said that wasn't possible. I still didn't receive the card. 

I called again on XX/XX/XXXX. I asked if there was any other way to get this replacement card or get my money refunded to me and they said it wasn't possible and all they could do is keep issuing replacement cards and have me wait 7-10 business days. They then said they sent another replacement card. 

When I didn't get this card either, I called again on XX/XX/XXXX ( my most recent call ). They said they'd send the replacement card, but I still haven't gotten it. 

The customer service has generally been unhelpful and I'm not convinced they're sending these replacement cards since I have received nothing since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: GA

Complaint narrative:
I submitted a complaint last XX/XX/ and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my creit report. 
I'm reaching out regarding these inquiries and for assistance to remove these inquiries from my credit report immediately.

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 2023-05-10 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: PA

Complaint narrative:
I was unable to get a rep on the phone to resolve any of my issues. I was made aware by XXXX that my personal information was leaked to the XXXX XXXX and I have hard inquiries on my credit report and collections that are not mines. I have filed a police report but the credit bureaus are refusing to remove them.

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 2023-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
My loan with SLS was service released. I never received any notification from either SLS or the new servicer. Now my payment is late.

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 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In pursuant to 15 usc 1581 b. Report was furnished without having my written consent. which is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
My credit score goes down while i pay All my bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
My credit score goes down while i pay All my bills on time.

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 2023-05-10 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV FNDING LLC is in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully furnishing my XXXX  consumer report on XX/XX/23 without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: WI

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I spoke with a Wells Fargo representative ( XXXX ) on XXXX XX/XX/2023. About my debt that appears in my account, I told them if they could print out my statement, since I could do it through their website ( I believe they cancel the option for me to view my statement ) Because, I know that there has been fraudulent activities going through my account. So, they told me they were going to transfer me to another wells faro representative to talk about my account and how to view my statements, but I was deceived by them. I apparently spoke with a debt collector. At first, I thought I was speaking with a Wells Fargo XXXX, but later on found out he was a debt collector. I spoke with XXXX XXXX from XXXX XXXX XXXX. He asked me for my name, address, Phone number. Now that I think about, it could be someone to try to steal my identity. Any response on this matter is greatly appreciated. I would still like to speak with a representative over the phone about this matter. 

They ( WELLS FARGO ) have reached out to me through email, I have attached the file down below. 

Thank you in advance. 

Have a great day.

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 2023-05-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
I have a lawyer suit files against me but want to verify workplace and income. Threat me with arrest at my workplace. Unfortunately I'm on fixed income and all.goes to medical. Thou I have block their number. It still shows up.as QCS. XXXX PS They are others companies or calls asking for a XXXX XXXX using my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against Citibank regarding their handling of an international wire transfer I initiated with XXXX XXXX XXXX XX/XX/2023. I wired funds to XXXX XXXX XXXX 's account with XXXX XXXX, XXXX XXXX in XXXX, for the purchase of an apartment in XXXX. Citibank was the intermediary bank. However, to this day ( XX/XX/2023 ), the money has not been received by XXXX XXXX, XXXX XXXX ( the final bank ). I have had numerous back-and-forth communications with XXXX XXXX regarding this issue , and in attempt to get back my hard-earned money. However, XXXX XXXX places the blame on Citibank, advising that it is Citibank that is holding on to my money. Initially, I was told this as because they were conducting an investigation ; the nature of that investigation has never been explained to me. Further, XXXX XXXX has stated that Citibank has consistently ignored their messages regarding recalling the money. I filed a formal complaint through your office ( Complaint ID XXXX & XXXX ) against XXXX XXXX on XX/XX/2023 and XX/XX/2023, respectively. I called the XXXX XXXX XXXX XXXX on XX/XX/2023, and requested them to reopen the case after they had written that they were closing the case, and by implication I should accept the loss of the money ( {$33000.00} ). A XXXX XXXX representative advised me to contact Citibank directly, in spite of knowing that I am not a Citibank client. 
I believe both banks have acted egregiously and in bad faith, with little interest in recovering my money. Due to this months long delay, I am uncertain about being able to purchase my apartment as agreed upon with the seller. I also risk being penalized for late payment. This has caused me considerable emotional distress and anguish. XXXX XXXX and Citibank have yet to provide a clear explanation as to why my hard-earned money is still being held and not returned to me. I suspect that the banks are ignoring me and not taking my complaints seriously, possibly because I am a minority. The mismanagement of this wire transaction demonstrates a profound sense of arrogance and disregard for professional courteousness. Therefore, I am seeking a full refund of the wired amount ( {$33000.00} ), as well as compensation for any additional expenses incurred as a result of Citibank and XXXX XXXX egregious negligence. I hope that the Consumer Financial Protection Bureau can assist me in resolving this matter sooner than later. Thank you for your attention to this matter. 
Sincerely, 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 2023-05-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I paid off my balance and closed my accounts 3 weeks early ( XX/XX/2023 ). I see I was charge additional interest fees and when I tried to resolve this with Comenity bank, I was advised that they will not waive those fees. When I did not accept that answer and wanted to speak to a manager, I was hung up on several times and every single person I spoke with only further escalated the issue. They spoke down to me, talked over me, said things like, " the more you speak, the slower I work '' and each and every one of them refused to let me speak to someone higher than that person. They kept saying they would transfer me to a manager only to pass me around to their colleagues. My last interaction one again hung up on me when I asked to speak to their manager and not a colleague for the 4th time. It has cost this company more to speak with me about the finance charges than it would have been to credit them. I have never been treated this way by any company and since there is no other way to report this abuse, I am left no choice but to report it here and with the XXXX ( which I will do after this ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-10 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: PA

Complaint narrative:
You are in Direct Violation of The Fair Credit Reporting Act. You, have violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-05-10 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: PA

Complaint narrative:
You are in Direct Violation of The Fair Credit Reporting Act. You, have violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account 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 2023-05-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
XX/XX/2023 Walmart+Membership is deducting {$12.00} from my Capital One account ( ending in XXXX ) each month and I DO NOT HAVE A WALMART ACCOUNT XXXX Deduction is on XXXX of every month. 
I have called Capital One and WXXXXXXXX to dispute this auto-charge to XXXX XXXX When I call XXXX they can not match my email with the bank account ( XXXX ) that the money is coming from. 
I am getting robbed each month and there seems to be nothing I can do about it. I have contacted Walmart by phone and by letter. 
At this point, my only option is to cancel my ( XXXX ) account and issue a new card so that this charge can not be deducted any longer, which will be problematic because I have other legitimate charges coming out of this account. This is not good business. I know they can trace where this money is coming from. 
Thank you, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-10 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: WI

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent.

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 2023-05-10 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
The company ( Verizon Visa Card issued by Synchrony Bank ) failed to record a payment made by check which cleared my bank on XX/XX/XXXX. The company was unable to confirm receipt of my cancelled check through their secure website dispute submission. I spoke with 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. The company sent me a refund check for {$1600.00} which is erroneous. I am claiming a refund amount of {$840.00} which would leave the account at XXXX. Multiple attempts to resolve this issue have failed due to the difficulty of speaking with a competent customer service representative.

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
Consumer complaint received 2023-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
I AM REQUESTING OMBUDSMAN DEPT. TO AUDIT MY MORTGAGE ACCOUNT. I RECIEVED A LETTER XX/XX/XXXX FROM RUSHMORE LOAN MNGMT SVCS C.F.P.B. COMPLAINT NUMBERS : XXXX & XXXX STATING THAT RUSHMORE RECIEVED A PARTIAL LENDER PLACED REFUND OF {$1400.00} FROM MY PREVIOUS BANK XXXX XXXX STILL, RUSHMORE REFUSE TO DEMAND FROM THEM MY OTHER UNREFUNDED AMOUNT OF {$710.00} INSTEAD THEY GAVE ME TWO BOGUS PHONE NUMBERS, ( XXXX ) XXXX & ( XXXX ) XXXX, TO CONTACT XXXX  XXXX TO DEMAND MY MONEY OWED TO ME SINCE XX/XX/XXXX. 

ALSO, RUSHMORE LOAN MNGMT REFUSE TO REFUND MY {$2700.00} FORCED PLACED INSURANCE PREMIUM XXXX DESPITE ME PROVIDING THEM FULL PROOF OF XXXX XXXX. COVERAGE FOR MY CONDO YRS XXXX TO XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX POLICY # XXXX PHONE ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been disputing information on my credit report for the past year! My lawful rights have been violated by Experian, XXXX, And XXXX. According to the FCRA regulations I am entitled to have true, correct, and complete information on my credit report. I have disputed all inaccurate and wrong information for over a year and the information still remains on my report. This information has kept me from buying a home. I have sent multiple letters to get XXXX  and no response. 

After submitting my complaint I have received another stall letter from Experian! I have submitted all identification documents and disputes and they still have not removed this inaccurate information from my credit report. It is causing injuries to me! I have been able to purchase my home.

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 2023-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
I added cash to my Coinbase account via ACH transfer on XX/XX/XXXX and the funds are still not available. The original release date was XX/XX/XXXX which is unreasonable to start with. Then, I received a message on XXXX XXXX that there was " Suspicious Activity '' on my account so it was XXXX. I noticed no such activity on the account and when I reached out for further explanation, I was basically told to be patient. I feel I have been very patient. They have had ample time to complete whatever investigation was needed and I have heard from no one. I feel I am being treated unfairly - having been denied access to my own money for nearly 2 weeks.

Company response to consumer: Closed with monetary relief