vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Creditor is calling from a private number, threatening to lower balance to XXXX, calling on a sunday at XXXX XXXX and after XXXX XXXX at night.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-07 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: OR

Complaint narrative:
A account has replaced back on my consumer report after it's already been deleted. This is hurting my ability to obtian credit. This is another violation 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. I never authorized this account to be reported to my consumer report in the first place. So the face the replaced it on my consumer report after its already been deleted is a violation. I do not consent with my private information to be shared with a nonaffiliated third party. Attached is a letter I already sent Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
Both me and my husband XXXX XXXX tried to open checking accounts with the Bank of America in XXXX and I tried again yesterday and were denied. 
Bank of America refuses to provide justification for the denial which makes us very concerned as we have been unable to address any issues and potential fraud under our names as a result of the Bank of America failure to disclose the reason for the denial. 
We did find out that there was an alert put in the Bank of America in mid XX/XX/XXXX to not engage in business with us with no explanation. 
Please note that at this time ( XX/XX/XXXX ) we did sell a house we had a Bank of America mortgage on to XXXX XXXX through XXXX XXXX in XXXX XXXX Michigan. The whole thing was odd as the title company had the order of the Bank of America and XXXX XXXX XXXX XXXX liens/mortagages on the property wrong and did not think this was a big deal. We asked for corrections, had to meet twice and ask for corrections and reassurance that the titlework was appropriate. We also added note on the title paperwork stating that there was pending civil litigation and that the XXXX  XXXX XXXX XXXX foreclosed on the loan and conducted Sherriff sale WITHOUT having first position but we we were ignored. XXXX XXXX in a recent police report is now falsely stating he was not at the closings even though HE was the one as well as the title company who was pushing for the sale. If the Bank of America denial of an account is indeed related to this transaction given the timing WE NEED TO KNOW SO WE CAN ADDRESS 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 explanation
Consumer complaint received 2021-03-07 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: FL

Complaint narrative:
I submitted a 609 validation letter to TransUnion on XX/XX/2021 I also submitted a validation letter to Transunion and XXXX on XX/XX/2021 I haven't had a response within the 30 days required for an investigation I've also sent non-response letters to all 3 bureaus I've also included documents which I sent the three bureaus 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 explanation
Consumer complaint received 2021-03-07 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 ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the 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 2021-03-07 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 ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I was lured into a scam by people posing as PayPal XXXX  to satisfy a debt on a purchase I didnt make. They asked for location verification thru XXXX XXXX XXXX which I purchased, giving them the code on the back of the cards. They said a {$5000.00} loan had been provided to me from PayPal financed by XXXX and XXXX XXXX. To satisfy the fraud they said I was caught up in would involve the location verification, and loan closing fees of {$500.00} to each bank. They had me purchase a total of {$2400.00} in XXXX XXXX Cards, promising me all the while that this money would be transferred back into my Debit Account with XXXX  XXXX XXXX. Once I had purchased the cards for them, I immediately lost contact with them. 
Once I lost contact I called PayPal customer service and was lured into another scam. This representative said he could refund the full {$2400.00} back into my account. He had me transfer {$3400.00} thru test XXXX Transfers to see if my account would receive a refund. The transfers were real not test Transfers and I lost that money also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I'm having trouble with Equifax I've had over 16 disputes with XXXX XXXX reporting ln accuracy on my credit file.. Now Equifax isnt allowing me to log to my.equifax .com account to check the status of my dispute. My account is now monitor over seas and everytime now i have to call..XXXX XXXX  ... Equifax is Retaliation against me for reporting to CFPB and Federal trade commission about XXXX XXXX reporting in accuracy on my credit file for over 425 days I been dealing with this matter.. If you check your records of this complaint same thing thats keep happening over and over ... When i try to log in it keep tell me username and password in correct, I know it not correct because I have username and password save in log Thats a way to keep me from checking on the status. of my complaint, ,XXXX XXXX is doing damage to my credit file..I keep getting denied for a mortgage loan to be able to purchase my first home..I have sent my document of proof to CFPB and Equifax over 4 times, this matter is getting so frustrating,,, Im stressing out over this matter all Im asking for fair justice ..investigate this matter to help me get it resolve.. I know this going to be forward to Equifax going to sweep under the rug and report the same old BOLOGNA!!!! CFPB please protect me and my this matter right ... it will be greatly appreciate ... And why this matter is global  instead of USA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
So far since 2017 I have been paying this {$3000.00} debt. 
I fell behind one time because loss of job. But I told them that too but now have been paying {$270.00} every month for 4 years almost. I paid over $ XXXX in payments already. 
I need to get out of this please help. I had no clue it was daily interest of 100 % Thank you I talked to them and still i have $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
A couple of days before my XX/XX/XXXX, statement generated, I contacted Barclays Card to alert them to SIX identical fraudulent charges from XXXX, each in the amount of {$100.00} that had been made to my account in XXXX. ( On XX/XX/XXXX, 3 fraudulent XXXX charges of {$100.00} each posted. On XX/XX/XXXX, 3 MORE fraudulent XXXX charges of {$100.00} each posted. ) Before I contacted Barclays, but without ever notifying me of any breach, Barclays had already reversed THREE of those six fraudulent charges, but the bank has so far not reversed the THREE REMAINING fraudulent XXXX charges. Throughout the month of XXXX, I made multiple phone calls to Barclays to explain that they needed to reverse ALL SIX of the fraudulent XXXX charges that had been made in XXXX, not just three of them. It was obvious that the customer service representatives I spoke to each time did not have a fluent command of English and seemed to have trouble understanding the issue and lied to me, claiming the matter had been solved. In late XXXX, two different representatives wrongly claimed that the matter had been resolved on XX/XX/XXXX, and claimed that my online account interface was displaying different information as the reason why I was still seeing three fraudulent XXXX charges on my account. As a result, I decided to wait for my XX/XX/XXXX, statement, hoping it would no longer display the amount of the three remaining fraudulent charges from XXXX XXXX. Unfortunately, my XX/XX/XXXX, statement continues to show a balance due that includes the remaining three fraudulent charges from XXXX. The statement also shows that, while Barclays credited back three XXXX charges on XX/XX/XXXX, they also RE-BILLED me for those SAME three fraudulent charges that same day, XX/XX/XXXX, thus cancelling out any credit they may have tried to issue for those last three fraudulent charges. Immediately upon receiving my XX/XX/XXXX statement, I made a payment to cover the single charge of {$170.00} that I made during the most recent billing cycle. As a result, once Barclays refunds the remaining three fraudulent XXXX charges, which amount to {$320.00}, I expect to receive confirmation of a XXXX  balance. Unfortunately, Barclays has refused to take steps to resolve this matter.

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 2021-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
My Credit Union paid off my citi card XX/XX/2019 and citi owed me {$380.00} overpayment They sent me the overpayment of {$380.00} and then charged my acct for the money they owed me contacted them buy computer, phone and credit agency,, all saying they would take care of it but instead ruined 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 2021-03-07 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: CT

Complaint narrative:
On 3 different dates BTC ( bitcoins ) were removed from my account without my doing to 3 different wallet addresses listed below I did not send funds to this address XXXX Nor did I send it to this address XXXX Nor did I send it to this address XXXX The response from Coin base is the following Thank you for contacting Coinbase Support. Our team is working hard to answer customer inquiries in a timely manner, but you may experience longer response times. If you need a quick answer to your question, please visit our Help Center for more information and help. 
This was on XX/XX/2020 Case Number XXXX Case Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX  and transunion both dropped my score over 30 points each the day after the government halted student loan payments. Mine was in deferral at the time anyway and it STILL dropped!

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 2021-03-07 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax and XXXX  both dropped my score over 30 points each the day after the government halted student loan payments. Mine was in deferral at the time anyway and it STILL dropped!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
I have a debt which has a court ordered garnishment. I have asked for a balance and statement that shows what has been paid and what the balance is. I would like to see how the interest is being calculated. I have reached out to the company, but they have not sent me anything.

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 2021-03-07 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: FL

Complaint narrative:
I submitted a 609 validation letter to XXXX  on XX/XX/2021 I also submitted a validation letter to XXXX  and Equifax on XX/XX/2021 I haven't had a response within the 30 days required for an investigation I've also sent non-response letters to all 3 bureaus I've also included documents which I sent the three bureaus thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I was charged {$4400.00} on my then owned HSBC Bank Debit Card. The charge was from the merchant XXXX XXXX XXXX XXXX. I contacted HSBC immediately about the fraudulent charge on my debit card. They reversed the charge opened a dispute and issued me a temp credit while they investigated the matter. I was issued a new debit card and was told by a rep that i needed to wait 60 days for the outcome.During the dispute they allowed XXXX XXXX XXXX XXXX charge the new debit card two additional times in the amounts of {$2200.00} and {$220.00}. 
After the dispute was resolved HSBC withdrew the temp credit, saying that XXXX XXXX A Car provided documentation proving that I had rented a car and was liable. 
I requested that HSBC send me the documentation that they had as proof. Upon receiving the documentation ; the documentation didn't not contain My Name, Identification or Signature. It had a completely different name, ID and signature. I contacted HSBC immediately to make them aware that the documents they had as proof didn't contain my Name, I.D, or signature. Another dispute was opened and I was told to wait another 45 days. At the end of that dispute I was still held liable. I was told by HSBC to contact XXXX XXXX A Car to have them reverse the charges. When I contacted XXXX XXXX XXXX XXXX they told me they didn't have any account with my name so there was nothing to reverse. 
I have contacted HSBC dozens of times about this matter. But have been unable speak with anyone who can resolve this matter. I even was promised to be contacted back dozens of times. And to date I still haven't received correspondence. 
On XX/XX/XXXX I received a debit collection letter from XXXX XXXX XXXX XXXX to collect a debit on behalf of HSBC in the amount of {$6700.00}. This debt is Fraudulent and there is current court proceeding that has been pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have an auto loan with Wells Fargo. At the end of 2020, I had a returned payment for insufficient funds which I promptly paid and brought the account current. The last couple statements of this account indicate that I have no missed payments or delinquencies. Two weeks ago, Wells Fargo reported me as 30 days delinquent. I promptly contacted them to correct the erroneous information and they have so far not corrected the issue on my credit report which has caused a 70 point reduction in my credit score and a reclassification of my credit worthiness.

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 2021-03-07 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/ original creditors several times that these accounts do not belong to me. I have not in any way received goods or services from these companies and i have provided my police reports, my FTC ID THEFT affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-03-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
I tried to get a mortgage with Navy Federal Credit Union on XX/XX/2021. The application number was XXXX XXXX. The lender refused to treat my like an XXXX XXXX applicant due to me being in the XXXX XXXX serving under emergency COVID-19 orders totaling 533 days. I was told even though the regulations have changed for XXXX XXXX members on XX/XX/2021 that they did not change and would not change their unfair policies. I was refused my loan amount and countered with a significantly lower amount resulting in our family not being able to purchase a home. The lender also did not offer me the fair mortgage amount that my civilian job afforded me because I have been on orders with the military. 
I feel this treatment is unfair to all the service members who are also in my situation due to being activated to serve in the XXXX XXXX under emergency COVID-19 orders.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: MAJR Financial Corp
State: UT

Complaint narrative:
I have an account with Major Financial with a {$5000.00} credit limit. I am required to pay them $ XXXX year to keep my account open. I paid my annual fee and the money cleared my checking account XX/XX/2021. Yesterday I was notified my credit score dropped by 7 points due to Major Financial account being closed. I have notified the company of this error. They did this to me several years ago, causing my credit score to drop. They reactivated my account, which made my credit score drop even more because it appeared I opened a new account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Klima, Peters & Daly, P.A.
State: DE

Complaint narrative:
I have a debt which has a court ordered garnishment. I have asked for a balance and statement that shows what has been paid and what the balance is. I would like to see how the interest is being calculated. I have reached out to the company, but they have not sent me anything.

Company response to consumer: Closed with explanation