vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo bank where I have had my small business account for a very long time cashed three large amount forged checks. Wells Fargo do not even have proper record of where they were cashed and by whom. It is very obvious when you look at the paid check copies that the are not real and one had something crossed off and not initialed which should have been a red flag. 
Wells Fargo refused to return our money for their mistake. Please help

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 2021-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
I received an alert yesterday on XX/XX/21 fron XXXX that there is a collection account flagged in my account. As collection account was viciously added to my account when I am not aware who is party is nor have any uncollected debt with XXXX. 

I have a XXXX account and it is current as of this month. I therefore do not understand why the debt collector would attribute this collection account to me. 

Debt collection practice is ruthless with no regards to understanding how they can ruin someones credit and adding this collection to my credit has already caused damages. 

The collection agency has to provide proof of the debt owed to XXXX ; otherwise this debt collection should immediately be removed from my account. 

I am attaching proof that I am a XXXX customer with a current account. Therefore this so called XXXX debt is either fraudulent or erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My card was stolen and use to make withdrawals and also someone made unauthorized transactions on my account from a different state and left me completely broke. And I am so depressed due to this issue. I reported it to my bank and they havent done anything about the situation

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 2021-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Hello, I am having issues with unknown addresses on my credit file. 
My current address is XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
The following address are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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 2021-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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 2021-10-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bridge IT, Inc.
State: IA

Complaint narrative:
They continue to email me several times a week about a debt they think I owe them. I just want them to remove my email from their records. I've asked repeatedly for them to stop sending me emails and they just flat out ignore me or respond and say they will if I agree to pay 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 non-monetary relief
Consumer complaint received 2021-10-06 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve 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 are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
BB & T is reporting to credit bureaus a mortgage with a balance of {$240000.00} and monthly payment of {$2500.00} that is not a mortgage obligation of mine. XXXX  XXXX XXXX  BB & T branch employee referred me on XX/XX/XXXX to the BB & T Mortgage Division. On XX/XX/XXXX the Mortgage Division referred me to the Fraud Department online support at XXXX  and I emailed the online support. On XX/XX/XXXX online support replied with direction to visit the local branch for assistance. On XX/XX/XXXX I visited the branch and was told by the branch rep that he would attempt to resolve the issue. After repeated attempts to subsequently reach the branch rep he contacted me on XX/XX/XXXX and verbally acknowledged the mortgage is not mine but directed me to the Mortgage Division. The Mortgage Division on XX/XX/XXXX informed me they can not confirm in writing because her division is working from home. She recommended I complete a BB & T mortgage release research form for the mortgage that is fraudulently reported in my name. I can not complete the form because the loan is not mine.

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 2021-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOVERY has been calling me daily up to 3-4x a day. 

I attempted to discuss the FDCPA with them and they hung up on me. 

I called them back 3 times and asked every single agent if they were aware of the FDCPA and informed them they are NOT allowed to harass me in any way, shape or form. All I got was stunned silence because these XXXX companies don't know the law. 

Perhaps they should inform themselves of strawman accounts and realize the debt is irrelevant considering the system currently being shred into pieces. 

I do not play the fake debt game. When you are told " DO NOT EVER CALL ME AGAIN. '' and you repeatedly do so, expect a lawsuit very quickly. 

Guess what happens then? Not only did your company " lose '' money by buying useless debt, you lost the claim + fees + wasting my time in court fees. Lesson learned for being a XXXX  in a corrupt debt system, eh? 

Try again. I dare you. I've got all the various numbers they have called me from and I am ready to use them in court if need be. You WILL lose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06 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: TN

Complaint narrative:
Filed a dispute with Transunion, XXXX, and XXXX all on XX/XX/2021. It is XXXX and I still have not received anything back from them. They are not following their own policies by responding within 30-45 days. Even sent a demand to comply letter! This is ridiculous. Those items disputed need to be removed 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 explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX 2021, Consumer requested debt validation and to cease all debt collection activities from Portfolio Recovery Associates according to the FDCPA. Consumer requested to remove alleged debt from consumers credit file. Debt Collector and agents within, denied lawful proof of validation and furthermore continued debt collection activities ignoring consumers cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
XXXX XXXX, XXXX. and XXXX attorneys at law represent XXXX XXXX XXXX in foreclosure case no. XXXX XXXX XXXX XXXX FL. We also submitted a modification package to Fay Servicing on XX/XX/XXXX2021 which was denied on XXXX/XXXX/2021. Attached please find our appeal of that denial letter dated XXXX XXXX, 2021. We recently called Fay Servicing to follow up regarding reply to our appeal letter because we received no reply. On XX/XX/XXXX21 our office spoke to XXXX XXXX ID # XXXX and she explained that Fay Servicing was not going to reply to our appeal letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Based in emails from XXXX from company XXXX XXXX XXXX, I sent money for invoice XXXX via wire transfer XXXX XXXX. 
This money send in two wire to Bank Name : JP Morgan Chase bank Bank Address : XXXX XXXX. XXXX, XXXX. XXXX, FL. ZIP, XXXX. 
Account Name : XXXX XXXX  XXXX  Routing Number : XXXX Account Number : XXXX one of XXXX USD another XXXX USD XXXX XXXX XXXX send me an email asking me for money In consecutive days the question has been kept. I always answered that it was sent on XXXX XXXX. 

XXXX XXXX, XXXX from XXXX XXXX  send me an email with inquiries about the money, and I tell her that i used the payment method that she send me, wire transfer. She deny this. I sent a screenshot abaout her email. 
And She Said " Oh my goodness! The very email that tells you that we can not charge a debit card would be the red flag, and I have never heard of XXXX. Also, we have been told by our own bank that wire transfers are the easiest way to get scammed so we never do them. A lot of the typing appears to be another language not of southern accent if you will. I am so sorry to hear this! Do you send wire transfers often? If you do, you must stop. These people are vultures and are just waiting for a situation like this. '' and today I have gone to file a complaint with the Spanish police. to Reportfraude.ftc.gov and CFPB .Since the WISE platform is not responsible for anything and JP Morgan Chase is impossible to communicate in Spanish

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed with. XXXX XXXX  a bankruptcy they deleted it so I disputed with XXXX  that they verify with them an thats how XXXX  have it I show them the proof an they sayin that they dont used XXXX  an XXXX  as proved but they did used them to add for my report doesnt make sense they dont want to deleted something that is been deleted it from who they used to verify that is XXXX  an 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 2021-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
My problem is with coinbase.com They blocked my account for revision more than one month ago... the origin of the problem was that they send an email ( by error ) saying that my configuration of double factor login was changed, and they sugest click a button for revision of my account if I didn't do the change... 

I pushed the button, but after this coinbase.com published a message explaining that the e-mail of double factor change was an error that they send. 

The problem is that I have mi account blocked in revision from then. I sended some e-mails to coinbase requiring unlock my account, I sended photo of my face, my nathional ID card, etc... but they respond that the revision required a few days ... more than 35 days after, my account still is blocked. 


I have a little inversion of XXXX XXXX currency, that start with XXXX but in this time arrived to XXXX today it's in XXXX But I can not touch my money Can you help me? 

Thank you very much Regards

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-06 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: TN

Complaint narrative:
Filed a dispute with XXXX, Equifax, and XXXX all on XXXX XXXX, 2021. It is XXXX and I still have not received anything back from them. They are not following their own policies by responding within 30-45 days. Even sent a demand to comply letter! This is ridiculous. Those items disputed need to be removed immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Filed a dispute with XXXX, XXXX, and Experian all on XXXX XXXX, 2021. It is XXXX and I still have not received anything back from them. They are not following their own policies by responding within 30-45 days. Even sent a demand to comply letter! This is ridiculous. Those items disputed need to be removed 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 explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I received an alert yesterday on XX/XX/21 fron Experian that there is a collection account flagged in my account. As collection account was viciously added to my account when I am not aware who is party is nor have any uncollected debt with XXXX. 

I have a XXXX account and it is current as of this month. I therefore do not understand why the debt collector would attribute this collection account to me. 

Debt collection practice is ruthless with no regards to understanding how they can ruin someones credit and adding this collection to my credit has already caused damages. 

The collection agency has to provide proof of the debt owed to XXXX ; otherwise this debt collection should immediately be removed from my account. 

I am attaching proof that I am a XXXX customer with a current account. Therefore this so called XXXX debt is either fraudulent or erroneous.

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 2021-10-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I have noticed that interest rates for mortgages have been falling since I purchased my home and began an inquiry through the rocket mortgage app to get information on my current loan which they are the services of. I started on the app about a quarter before midnight, but due to incorrect information about me having another lien and no one available to speak to in customer service at that hour I left it as is with no desire to continue. I never submitted any application as the information they had was wrong and I did not want to further the process. This morning XXXX I see that there is an application requiring documentation on my end which was not my doing. I also got a text message from a banker at quicken loans rocket mortgage offering me his assistance but I never solicited that either. I called rocket mortgage customer service after receiving a XXXX XXXX and XXXX XXXX notification of a hard inquiry on my report. Upon trying to communicate with the banker about the inquiry he gave me incorrect information in attempt to get me off his back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
Was pre-approved. However, I was still denied. There service has been dishonest and fraudulent!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank closed SIX credit card accounts ( some store cards, some general credit cards ) in XX/XX/2021 with no warning. The reason they gave in a letter in that I'm a high risk for fraud - because THEY GAVE ME CREDIT LINE INCREASES that they say shows I have a high probability to max out the cards and then not pay the bill. All but 2 cards had a XXXX balance. Additionally, I had rewards on 2 of those cards that I was saving up to use... and now I'm told I forfeit those rewards.

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 2021-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Commenity Bank Called my parents and informed them that they were looking for me for a debt for a vicotria secret credit card. I had already contacted them and they were telling this information to a relative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: CA

Complaint narrative:
I sent in my police report and my notarized affidavit to the three credit bureaus and XXXX  I received paper work from XXXX showing they have deleted the fraudulent account Transunion keeps sending me results saying the Company verified this fraudulent account when that is not true the company XXXX XXXX provided me documents and letters stating they did not Verify any thing i even called them and spoke to a rep who looked at my XXXX XXXX file and stated they are not reporting any Bankruptcy on my file and requested all three credit bureaus to remove the inaccurate and fraudulent account. I have Enclosed all documents and corraspondence with this Compliant. I called last month and talked Trans Union Fraud department who asked me to send in my fraud package. After sending to them they did not comply with anything and said they dont have to block the fraudulent account even after going to XXXX XXXX police dept and filing a police report in person. They sent me some generated latter saying if i want to block the fraudulent account to send in my Police report affidavit that i have already provided. I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Defamation of character. Enclosed is the 3 updated credit reports showing that XXXX and XXXX are not reporting this fraudulent information Transunion is the only reporting agency who is knowing and willingly reporting the inaccurate and fraudulent information. Please not they are not investing anything and just responding with some auto generated letters.

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