vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-31 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: FL

Complaint narrative:
I disputed several time this account with credit bureaus. I send a FTC report notarized and they came verified. This account is fraud, this isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Merchant : Stocklabs Dates : XX/XX/2021, XX/XX/2021 Amount per date charged : {$59.00} This dispute was overturned by Goldman Sachs, as they did not review all of the evidence that I had submitted to the agent on the other end. The merchant has an online portal on which they demand that users submit requests. They are not responsive for months, and hence, the subscription keeps getting renewed. They do not leave paper trails, email, or otherwise communications encrypted within their portal. Their website is sketchy at best. This is part of the reason why I discontinued doing business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/2022, ,Spoke With, XXXX XXXX, XXXX ( XXXX XXXX,, to Address A Few Issues,, Moving Forward About A W2 1099 Tax Form, And A Identity Works, ,He Didn't Really. Explain What The Plan Really Offer, ,Hr Lied To Me About This Plan, ,He Did Tell Me 3 weeks go That This Plan Pays Additional Fees To Me Too From Wells Fargo Bank , ,He Lied Again,,, I'm Very Upset About This Issue, ,Again I Think Wells Fargo Bank Could Still Offer More Money To Me They Didn't Care At All, ,So UnAcceptable Business Practices,,,

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 2022-01-31 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: WV

Complaint narrative:
My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

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 2022-01-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I sent several time an FTC report with the credit bureaus and they came verified and this is fraud I sent the FTC report notarized. this is fraud.

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 2022-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On XX/XX/2022 I paid in full a balance I had with Synchrony Bank also known as Care Credit in the amount of {$970.00}. I had a {$1000.00} credit limit. On XX/XX/2022 I checked my XXXX XXXX account and checked my credit score. I saw that Care Credit had deliberately misreported that I was late on the account twice and the account was still unpaid and therefore lowering my score on both my XXXX and XXXX reports by nearly XXXX points. I immediately reported the misinformation and disputed the report through XXXX. On XX/XX/2022 XXXX acknowledged the misinformation and updated my credit report. They then after the fact retaliated by lowering my credit limit to {$250.00}. They sent me a letter by email saying it was due to high balances on my credit report which is obviously a blatant lie. I severely doubt it was coincidence that they made this decision after they had already been paid in full and was caught deliberately misreporting by XXXX AND made this decision on the very same day they they corrected my credit report. I would like one of two things to happen. The first option : to apologize to me for the extremely poor customer service, the erroneous damage to my credit report, and the gross breach of business ethics and people skills and to restore my credit limit to the original {$1000.00}. The second option : Close my account altogether and cancel my card. If they can not perform business honestly and fairly and treat me as they would like to be treated as a customer and a person then I have no desire to do any further business with them at all. There is literally no amount of money in this world for me to accept abusive business practices or be bullied in any form from anybody much less a business I just paid in full in the amount of nearly a thousand dollars.

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 2022-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I attempted to close my online checking account with XXXX XXXX  after withdrawing my funds early in 2021. XXXX did not close the account and charged me for monthly service fees. Now Im being contacted by a debt collector to collect fees for an account I had zeroed out and closed. I contacted XXXX via chat and phone and was told customer service can't do anything about it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
XXXX SYNCHRONY BANK XXXX XX/XX/2021 {$440.00} XXXX SYNCH-XXXX**** XX/XX/2021 {$440.00}

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 2022-01-31 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: MO

Complaint narrative:
TRANSUNION continues to inaccurately report XXXX  information on my credit profile. I have pointed out several inaccuracies on this account to the credit bureau. I have yet to receive a response back and I'm certain no reasonable procedures were conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. How can a disputed be resolved if no human being is actually looking at the obvious inaccuracies i continue to point out to them all. Using a computer to electronically review my dispute is unacceptable. How can they possibly resolve the disputed account if no reasonable procedure was performed? It is a violation to my rights to claim that an account has been resolved if it's not reporting 100 % accurate. TransUnion reports that the account was opened XX/XX/XXXX, XXXX reports it was open XX/XX/XXXX and XXXX reports it was open XX/XX/XXXX. Those are clearly different dates. How is it possible the account was opened on both? Also TransUnion reports the last date of activity as XX/XX/XXXX, XXXX reports it as XX/XX/XXXX and XXXX reports it as XX/XX/XXXX. How could this be possible? This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion. I want this account deleted 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 2022-01-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Specialized loan servicing bought my 2nd mortgage in XXXX of XXXX. XX/XX/XXXX I made my first payment to them after setting up online account and everything was fine. On XX/XX/XXXX I went online to see what my payment amount was and noticed that there were outstanding fees and charges in the amount of XXXX. 
I called on that date to report the error and was given a ticket number ofXXXX, and told it would take until XX/XX/XXXX to investigate. I called again on XX/XX/XXXX and was told that they were still looking into the matter and they were expediting the issue. I asked repeatedly to speak with a supervisor as I am scheduled to close on this property in a matter of a few days. That same day I received from them 2 phone calls not from a supervisor. No one has any information. I offered to send my last payment statement from the previous service to show there were no outstanding fees or charges. I am at a loss as to how to handle this. When I call I get nowhere and I am going to have to pay these fees because I am closing in a matter of days. Any help you can give me is greatly appreciated. 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 2022-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NJ

Complaint narrative:
I can not create an account because it says I already have one, but when I try to recover my login information, it says I don't have an account. I have contacted FedLoans and they could not help me at all. I need an account to qualify for public service loan forgiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31 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: WV

Complaint narrative:
My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: WV

Complaint narrative:
My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

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 2022-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
I have a Coinbase wallet account, where I had my XXXX  stored for more than a year, of approx XXXX $ in current value. I was randomly signed out of the account and was told the only way I can sign in would be to enter a " 12-word phrase '', which I never remember getting while making the account. I talked to their Customer Care and they basically said they can not help me ad my money is gone. I went online and saw that many similar incidents have occurred to their other customers. I think its absolutely ridiculous tat I have been locked out of my own money and they are frauding the people like this out here in the open. I have the receipts of transferring the XXXX  from their own Coinbase app to the Coinbase wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: TX

Complaint narrative:
Attached is XXXX XXXX XXXX XXXX Credit Bureau Review Request. The information requested is : The account number is XXXX as noted on top of request. I am disputing all months. The reason for dispute is XXXX  did not possess nor has ever sent proof of permissible permission to access my report for benefit of a another person. The information I am disputing is the entire tradeline. The outcome I am requesting is an investigation as mentioned in attached letter instead of claiming this is a duplicate request.

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 2022-01-31 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2022-01-31 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: AL

Complaint narrative:
In XXXX of XXXX I filed a dispute with this credit bureau about UNVERIFIED COLLECTION ACCOUNT on my credit report : XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months and this account still shows under investigation. Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-day mark has come and gone without any response from their office. 
. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company as of today. 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 non-monetary relief
Consumer complaint received 2022-01-31 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: AL

Complaint narrative:
In XXXX of XXXX, I filed a dispute with this credit bureau about UNVERIFIED COLLECTION ACCOUNT on my credit report : XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months and this account still shows under investigation. Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-day mark has come and gone without any response from their office. 
. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Hello my name is XXXX XXXX. I have to repair my credit for many years now and my credit score doesn't go up. Since last year I have had exceptional credit payments from all my 7 credit cards and my score has not moved. XXXX XXXX is see my score as XXXX and when I looked on transition and XXXX  and XXXX  it shows XXXX on all three. I know something has to be wrong and it doesn't see like no matter what Ido my score doesn't go up. There not taking my inquiries serious. 

Theres inquires that's not mine and they won't remove. They had incorrect address which they corrected but any information linked to that account should have also been removed and nothing 's done. Please need help something wrong with these buareus.

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 2022-01-31 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: MA

Complaint narrative:
Hello my name is XXXX XXXX. I have to repair my credit for many years now and my credit score doesn't go up. Since last year I have had exceptional credit payments from all my 7 credit cards and my score has not moved. XXXX XXXX is see my score as XXXX and when I looked on XXXX  and XXXX  and equifac it shows XXXX on all three. I know something has to be wrong and it doesn't see like no matter what Ido my score doesn't go up. There not taking my inquiries serious. 

Theres inquires that's not mine and they won't remove. They had incorrect address which they corrected but any information linked to that account should have also been removed and nothing 's done. Please need help something wrong with these buareus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: MO

Complaint narrative:
XXXX continues to inaccurately report XXXX information on my credit profile. I have pointed out several inaccuracies on this account to the credit bureau. I have yet to receive a response back and I'm certain no reasonable procedures were conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. How can a disputed be resolved if no human being is actually looking at the obvious inaccuracies i continue to point out to them all. Using a computer to electronically review my dispute is unacceptable. How can they possibly resolve the disputed account if no reasonable procedure was performed? It is a violation to my rights to claim that an account has been resolved if it's not reporting 100 % accurate. XXXX reports that the account was opened XX/XX/XXXX, XXXX reports it was open XX/XX/XXXX and Equifax reports it was open XX/XX/XXXX. Those are clearly different dates. How is it possible the account was opened on both? Also XXXX reports the last date of activity as XX/XX/XXXX, XXXX reports it as XX/XX/XXXX and Equifax reports it as XX/XX/XXXX. How could this be possible? This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion. I want this account deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Unauthorized Inquiries

Company response to consumer: Closed with non-monetary relief