vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2021 XXXX XXXX XXXX Syncrony Bank  ) With whom I have a lease program with my XXXX XXXX made an unauthorized withdrawal from my checking account in the amount of {$280.00}. This withdrawal caused my account to become overdrawn when authorized payments cleared, resulting in my account being charged an overdraft fee of {$35.00}. On XXXX XXXX upon becoming aware of the overdraft I was forced to make a deposit from my savings of {$100.00} to cover the overdraft and fees incurred. I sent this bank a letter and then called them on XXXX XXXX when I did not hear from them. They requested a copy of the bank statement which was sent about XXXX XXXX. Since that time I have heard nothing from this bank and am tired of messing with them. Hence this complaint. The name of the bank is Syncrony Bank  ( formerly XXXXXXXX XXXX  ) XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. The Account Number is # XXXX. All I have asked is that this bank refund the {$35.00} overdraft fee incurred due to their error. It took me about 2 & 1/2 hrs. to find where the mistake was made and get my bank to refund the $ XXXX is my hope your department can force this bank to correct their error they cost me. I prefer to do things this way rather than the Courts if possible. The name of the party responsible for the Charge was different than mine, which the bank should have checked. Respectfully, XXXX 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 monetary relief
Consumer complaint received 2021-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXXdays later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXXdays later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I owe about XXXX on my Best Buy ( citi bank ) card. When promos ended, my bill doubled and so did interest. When I saw the bill, I called and I tried to get them to lower the interest rate and guy said cant do I told him I am having financial hardship and said cant do anything. They keep sending me letters telling me to call to see what offer they make instead of telling what kind offer they are making in the letters. I am still having financial hardship and I am also having medical issues. So I cant pay the bill. Now they are making threats to send to collections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Money was sent to a Coinbase to purchase a cryptocurrency GYEN. After buying that stock the company shut down from selling it or trading to another coin.A coin was falsely traded to jump up And made to fall down losing thousands of dollars. While they froze my account. This is a complaint against Coinbase and Coinbase pro to refund my 50 grand spent in that stock.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Please advise that this is a continuation of CFPB complaint number XXXX. I previously contacted Comenity/Victoria 's secret advising that I dispute the account listed on my credit report under FCRA 623 XXXX a ) ( XXXX ) ( D ). At this point my issue has still not been resolved and this company has left me no choice but to file a lawsuit in the state of Georgia due to their unwillingness to delete the inaccurate account that they have included in my credit report, which has damaged my credit rating and caused emotional distress. 

This company previously responded stated that they will not delete this account because they're required by law " to report factual information ''. They stated that they will update the account to discharged in chapter XXXX bankruptcy instead of as a charged off account. First of all, I have never had a bankruptcy. Secondly, this account was updated on my XXXX credit report on XX/XX/21 as a charged off account in the amount of {$71.00}, which is completely opposite of how this account was " allegedly '' supposed to be reported. According to Comenity Bank/Victoria 's Secret, they are required " to report factual information ''. However, none of the information they have reported is factual. 

This is my final request to have this account removed from my credit report. If I get another pointless response saying this account has been " verified '', this will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit files, namely XXXX, XXXX, and XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: CA

Complaint narrative:
I sent a letter requesting the validity of debt to you regarding the account XXXX BANK USA Account number XXXX on XX/XX/2021 and XX/XX/2021 which Experian failed to provide.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I never got an invoice last month from Comenity Bank Credit Card. I had no idea I had a balance ( {$75.00} ). Eventually, Comenity Bank texted me to tell me. I contacted them IMMEDIATELY and authorized them to take the money out of my bank account. Over a week later I was contacted by XXXX AGAIN to tell me they for some reason couldn't take the money out of my bank account, so I told them I would mail a check then. I immediately went into my checking account and the bill in full. Because I never received the bill, they even took off late fee and interest fee. I was also told that this would NOT be reported to XXXX, XXXX. When I saw the negative rating on my credit reports, I immediately called XXXX. They told me they could not do anything about it and that they NEVER told me it wouldn't affect my credit ( this is not true - they told me this )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC
State: MI

Complaint narrative:
Medical bills, were paid by social services, due to my limited income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Advised this company in 2020 that I have no debt with them but they keep trying to get money from me & now wants to sue me in court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-20 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: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX XXXXXXXXBalance {$22000.00} XXXX XXXXXXXXBalance {$440.00} XXXX XXXXBalance {$1100.00} XXXX XXXX XXXXXXXXXXXXBalance {$2400.00} XXXX XXXXXXXXBalance {$15000.00XXXX XXXX XXXX XXXXXXXXXXXXBalance {$0.00} XXXX XXXX XXXX****Balance {$820.00} XXXXXXXXXXXXBalance {XXXX XXXX-XXXXXXXXBalance {$0.00} XXXX XXXX-XXXXBalance {$15000.00} XXXX XXXX {$22000.00} XXXX XXXX XXXXBalance {$1400.00} XXXXXXXXXXXXBalance {$0.00} TXXXXXXXXBalance {$0.00}  XXXXBalance {$560.00} XXXXXXXXBalance {$750.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX ) -XXXX****Balance {$1400.00} XXXXXXXX XXXX XXXX****Balance {$910.00} XXXX XXXX XXXXXXXXBalance {$340.00} XXXXXXXX XXXXXXXXBalance {$1700.00} XXXXXXXXBalance {$1200.00}  XXXXXXXXBalance {$930.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I live in XXXX Texas. On XX/XX/21, i traveled from XXXX Texas to XXXX Texas, On XX/XX/21. Still in XXXX Texas, i went to a XXXX XXXX store and bought item of {$36.00} and my card which i had with me declined. I came out from the store and logged into my account and noticed an unauthorized withdrawals, of {$1900.00} and i called the bank. The bank official told me to go the the local branch office to open another account, that they would start investigation. On XX/XX/21 i went to Wells Fargo branch at XXXX XXXX XXXX XXXX XXXX Texas, and i was attended by the banker named XXXX XXXX, who was in the process of opening an account for me noticed that a fake mailing address was attached to my account. This fake address was in XXXX. And she noted that a card was shipped to this fake address by the bank. She quickly called the fraud department and asked them about the address, and the card shipped. It was then the fraud dept stated that two cards were sent to XXXX and they were going to cancel them. Then i asked them to tell me how and when that address was attached, and the card numbers. The bank staff said i would be told after the investigation. Up till now, nobody has given me any information on that. The bank denied my claim stating that the card number which was used at ATM was my card. I have my card in XXXX Texas, how could someone withdraw money from ATM without a card?

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 2021-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My purse was stolen. I reported my card stolen and had my cards replaced. Someone went to a Wells Fargo branch and impersonated me with my stolen id and stolen card and was able to get temporary checks. They then wrote checks and when the checks bounced, Wells Fargo froze my account. I havent been able to access my money and they wont take the charges off or set it straight.

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 2021-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
I have been trying to refinance and XXXX is sending a notification to XXXX XXXX that there is a " Credit Enhancement '' and I am getting declined. I have tried to get this resolved with XXXX for over 2 months now. They have confirmed that there isn't a " Credit enhancement '' but aren't able to get it removed from my loan. They sent a dispute to the credit bureau but it isn't on my actual credit report it is getting sent directly from them to XXXX XXXX. 
Last year, I was contacted by them to see if I wanted to go into Forbearance. I was promised that there would never be any negative impacts. Just to be safe I chose to do it but I was never even late on any payments throughout the whole time. If this is what is causing me to get declined for my refinance I feel like I was lied to. 
I have contacted XXXX multiple times, I have been hung up and promised calls back and haven't been able to figure this out. It has been over two months and now the rates have gone up and I am still trying to get my house refinanced so I am really frustrated with how they handled this. Nobody can seem to get this off of my current loan or tell me why it is there and it is costing me literally hundreds of dollars a month!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian sends an email stating that the dispute results are available but they are not accessible when click on. The content is blocked They did not supply requested original documentation through the mail They did not supply a complete report number

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OH

Complaint narrative:
The Set Up In late XX/XX/XXXX, I was selling my car. A buyer online offered to buy it for {$4000.00}. He agreed to send me a certified check from a bank in the purchase amount plus an amount to pay the transport person. The buyer sent the check for {$5900.00}. I was to keep the {$4000.00} and send by XXXX the {$1900.00} to the transporter. I thought this was strange, purchasing a car without seeing it and then having me give the money to the person to move it. But, I knew I would do nothing until my bank ( U.S. Bank ) told me the check cleared. I deposited the check remotely using my U.S. Bank app. On XX/XX/XXXX, within XXXX hours, U.S. Bank notified me the funds were fully available/check had cleared the clearing house. I then made the transfer of the {$1900.00} based on my bank telling me the funds were available. 

The XXXX Sting U.S. Bank told me the money was available. I would not have sent the {$1900.00} by XXXX had U.S. Bank not done that. They blew the whole clearinghouse system process and caused my reliance. 

The XXXX Sting The BuyeXXXX contacted me on XX/XX/XXXX, that a family tragedy had happened. They needed the remaining money back, minus {$500.00} for my troubles. I became suspicious and refused saying I would not XXXX any more money. I needed to consider what was going on. I thought I was being used in a money laundering scheme. I began to investigate the bank on which the check was written and it no longer existed. It was purchased by another bank around XXXX. The defunct bank was called " XXXX Bank XXXX XXXX XXXX. '' I called U.S. Bank as soon as they were open next to report the fraud. They said it was likely a fraudulent check. I replied " not so '' because U.S. Bank had already noted it available for use/the check cleared. The bank conducted an investigation based on my complaint about the fraud and the banks negligent behavior. The bank determined on XX/XX/XXXX that the check was fraudulent, docked my account, and sent me a returned deposit notice. On XX/XX/XXXX, more than XXXX days after beginning the investigation, I received the notice that U.S. Bank would not take responsibility for their error. I had been told by their fraud department that if they took more than XXXX days they would give the money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have sent my identity theft report that was filed with the Federal Trade Commission and I have sent a copy of my police report to the credit bureaus. As the law indicates, the credit bureau shall take action to block and remove this fraudulent account from my credit report. There has been a multiple attempts of identity theft against me. Identity thieves used my personal information for their own benefit in order to obtain services with false pretenses. I mentioned the fraudulent account in my identity theft report and I will mention it here as well. The fraudulent account is CAPITAL ONE BANK XXXX XXXX and the partial account number that I was able to obtain is XXXX. Once I was informed of this fraudulent activity, I immediately placed a fraud alert with all the bureaus in order to prevent further fraudulent activities. Additionally, I requested from all the bureaus to remove the fraudulent accounts and inquiries that were placed on my credit report without my consent because the said account never belonged to me. I never associated with Capital One Bank before and as mentioned the account does not belong to me. I requested the account to be removed not just a simple dispute to be placed on a file that will eventually be useless. The consumer voice is important as well because the said financial institution used my personal information to open a fraudulent account to an identity thief. The credit bureau request an identity theft report filed with the Federal Trade Commission, and I was able to provide it. The credit bureau asked for a police report, I was able to provide it. Simply, I was able to provide all the necessary documentation requested by the credit bureaus in order to have this fraudulent tradeline removed from my report and yet nothing has taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports and needs to delete immediately : XXXX

Company response to consumer: Closed with explanation