vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I had purchased concert tickets from an international friend of mine about two weeks ago, XX/XX/2021. She asked me to transfer the money to her on XXXX, which was {$470.00}, and she would transfer the tickets to me on XXXX. I did so, but she told me she never received the money, and never sent the concert tickets. I tried to get the money back from her and through XXXX, both of which with no luck. I then did some research and learned I could dispute with my bank, Webster Bank, for goods not received. I did so immediately and the amount was credited to my account. I thought all was right, but I received a letter in the mail on XX/XX/2021 saying the bank investigated my dispute and found " no error '', so they would be taking the money back today, XX/XX/2021. I just got of the phone with Webster Bank dispute services, where they told me they were taking the money back and there was nothing I could do about it, essentially that it wasn't their problem. I am extremely frustrated because I am now out almost {$500.00} and the bank that is supposed to help me protect my money, as well as help me get it back in the event of a scam, is doing nothing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to AFNI, INC. ( AT T ), but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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 — Card was charged for something you did not purchase with the card
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
Re : Fraud on Debit Visa Debit Account|Case # XXXX On XX/XX/21 I received an email from coinbase stating, Action needed : your Coinbase Card is suspended. The email went on to explain that they discovered a phishing attempt from a number of fraudulent merchants. 
They noticed suspicious transactions from one or more of these merchants on my Coinbase Card and have suspended it for my safety. On XX/XX/21, I called them to inform them to cancel the card and close the account as I did not make the charges. I was informed by the VISA Card support Team phone center that I had to send an email. 

I informed them that I did not have access the the charges and they provide me with the following : Merchant name : XXXX XXXX Date/time of transaction : XXXX XXXX Transaction amount : {$48.00} Merchant name : XXXX XXXX Date/time of transaction XXXX XXXX XXXX Transaction amount : {$54.00} Since then I had made several calls and have sent several emails requesting for my funds to be credited back to my account with no resolve. I call and the VISA Card support Team phone center says they can not assist and I must correspond via email. All I receive back are changing case numbers and cryptic email messages.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 a final payment for {$8600.00} was sent to the XXXX XXXX XXXX, to date the account has not been reported as paid in full. I have repeatedly asked for the title to date no title. I have made several disputes on my credit report and the account to date remains open. This account was paid in full on XX/XX/2021 it is now XX/XX/2021 and there is no update on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2021 a final payment for {$8600.00} was sent to the XXXX XXXX XXXX, to date the account has not been reported as paid in full. I have repeatedly asked for the title to date no title. I have made several disputes on my credit report and the account to date remains open. This account was paid in full on XX/XX/2021 it is now XX/XX/2021 and there is no update on my account.

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 2021-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On Tuesday, XX/XX/XXXX, I received payment in the amount of {$140.00} for goods through Zelle to my XXXX XXXX mobile number. This was confirmed by a text message from Zelle directing me to a website to sign up to access the funds. I considered the transaction complete / successful. 

Subsequently, while attempting to sign up to access those funds, Zelle informs me my XXXX XXXX number is ineligible. 

Contacting both my bank XXXX XXXX ( who provide Zelle with my account ) and Zelle themselves, provide no path to resolution / access my funds. 

How can it be that, a payment can be sent to an ineligible number, a confirmation text message is sent to that same ineligible number, but signing up to receive those funds is impossible?!? If the number is ineligible, Zelle should have indicated that at the start of the transfer, not after it was seemingly completed and available!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have a loan with GM FINANCIAL. I have always made my payments on time yet there was a XXXXdays late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I refinanced my loan with capital one and a lady pulled out in front of my new vehicle and totaled it out before I made the XXXX payment on XX/XX/2021. I didnt purchase XXXX, however I want to fulfill my loan obligation but I needed a new vehicle and I got XXXX with a balance still owed to capital one when I initially called in when the accident happened and asked if they would work with me they stated yes. Granted my insurance company was just allowed to mail the payoff payment due to capital one needing to get a title issue fixed which took them until XX/XX/2021 to obtain a perfected title, I cant blame the insurance company because I work for the company and they have been ready to make total loss payment. I just wanted the company Capital one to work with me for the remaining balance basically they advised no I would have to make the full car payment monthly until the balance has been fulfilled when a represented previously advised they would. Asked for a supervisor and advised no one would contact me for XXXX days and thats not professional at all. I need help?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports The Credit Bureaus are reporting inaccurate information on WELLS FARGO. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-11-09 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: Real Time Group, Inc.
State: MI

Complaint narrative:
I have a mortgage loan that was charged off in XXXX by XXXX mortgage company and collateral was released. It was purchased by Real Time Resolutions as a debt collector, then in XXXX of XXXX the home was foreclosed upon by XXXX County Michigan and granted to the city of XXXX for delinquent property taxes. Real Time Resolutions is incorrectly reporting this loan to XXXX as an open mortgage 180 days past due for the past 6 years. There is no collateral so this loan should be reported as an unsecured loan or removed from my XXXX report entirely. This loan reporting is effecting my ability to obtain a mortgage - even my ability to obtain employment. The loan is also time barred and I am not responsible for the balance. To make matters worse the home was fraudulently foreclosed upon as the mayor and city planner are under federal indictment due to accepting bribes/wire fraud in connection to a community blight removal program that funneled properties to a contractor who already accepted a plea deal. Please help me to get this reported correctly or removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: TX

Complaint narrative:
XXXX, EXPERIAN, AND XXXX ALL HAVE BEEN NOTIFIED ABOUT THE INACCURACY OF MY CREDIT PROFILE IN XX/XX/XXXX, AND I HAVE YET TO HEAR BACK FROM EITHER AGENCY. THEY ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT BY FAILING TO REPLY WITHIN 30 DAYS. I AM ASKING TO REMOVE THE INACCURATE ACCOUNTS OR PROVIDE DOCUMENTATION. I OWE NO DEBT TO ANY OF THESE COLLECTORS. LEGAL ACTION WILL FOLLOW. PLEASE REMOVE THE FOLLOWING ACCOUNTS ACCOUNTS : XXXX XXXX XXXX Opened XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX Opened XXXX {$1400.00} XXXX XXXX XXXX Opened XXXX {$6600.00} XXXX XXXX XXXX Opened XXXX {$6700.00} XXXX PLEASE FOLLOW SUIT AND ALSO REMOVE THE FOLLOWING ACCOUNT AS THIS REPORTS TO NEITHER EXPERIAN NOR XXXX. I HAVE NO KNOWLEDGE OF THIS ACCOUNT XX/XX/XXXX Opened XXXX {$650.00}

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 explanation
Consumer complaint received 2021-11-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted all 3 credit bureaus about an inaccurate account that is on my credit report. XXXX has deleted this fraudulent account to reflect my true credit history, but Experian and XXXX has yet to remove the account or send sufficient documentation supporting this claim. They are in violation of the Fair credit reporting act for failing to respond within 30 days. I am asking that these 2 agencies follow suit and remove this account. Legal action will result. 

Account : 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 explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
From the Bank reply : Customers who have received the promotional mailing inviting them to earn a {$300.00} Bonus. 
The new personal checking account and/or savings account must be opened within the timeframe notated on the promotional mailer. 

BUT on the TD Bank website screenshot, No promotional mailer is required to open a new checking account in a store. 
On XXXX XXXX, the banker never asked for a promotional mailer for the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
( AD ASTRA REC ) Third Party Debt Collector, who appears to be fraudulently claiming authority of this Executor Office to administrate for the { XXXX XXXX }. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and ( AD ASTRA REC ) is authorized to administrate ( acting trustee ) on the { XXXX XXXX }, together with a certified copies of signatures contract between you and consumer name, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing consumer name private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the { XXXX XXXX }. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 
If you lack understanding of this complaint, forward to your ATTORNEY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: NC

Complaint narrative:
I sent a copy of the letter to TransUnion with items to disputes on letter that's attached on XX/XX/2021. No items was removed, no information from TransUnion was received to me. It's been over 30 days. My complaints was to have inaccurate reporting information on my credit removed. The inaccurate and obsolete accounts and unauthorized inquiries were not removed as they should have been.

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 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports The XXXX Credit Bureau is reporting inaccurate information on CAPITAL ONE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CHARLES SCHWAB CORPORATION, THE
State: KS

Complaint narrative:
On XX/XX/2021, I received a letter from Charles Schwab that I had a account opened fraudulently I did not open this account. The letter is dated XX/XX/2021. I have contacted them to tell them that it was open fraudulently without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
My ex wife and I purchased a car through a local dealer and was financed through JP Morgan / Chase bank. The car was in default and charged off. Upon the finalization of our divorce I attempted to provide the court order to Chase which stated that my ex wife was solely responsible for the loan and Chase refuses to accept the document and also to remove the loan from my credit report instead choosing to transfer me between two or three different departments in a round robin. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not really certain that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting incorrect information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: SC

Complaint narrative:
XXXX Confirmation # XXXX XXXX Report # XXXX Transunion File # XXXX I am filling this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible, 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 2021-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
They inappropriately put a remark on my credit score during the pandemic. I tried to call and spoke to multiple people and a supervisor and they offered no resolution. They would not even put an inquiry to check to see if there was anything that could be done ( regarding the credit remark ). The supervisor blamed it on the government and said everything was black and white. They are not being held responsible for their actions and reports. Someone needs to know about this. The employees over the phone were very rude as well.

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 2021-11-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I have an XXXX card and did a purchase 12 months with no interest. I had a regular balance on the card as well so I did a payment that covered both the promotional balance/12 as well as paying off the regular part of the card. The promotional amount was {$680.00}, and in the statement the amount due for the promotional balance was not split out anywhere, so I did the calculation myself. It was $ XXXX which equaled {$57.00}, so I made that part of the payment for {$57.00} and paid off the rest of the balance of {$84.00} on XX/XX/XXXX. The bank rather than rounding as normal, rounded up to {$57.00} which left me XXXX cent short in paying off the card. Because of this, I was assessed interest on the non-promotional balance for {$11.00}. I called the bank on XX/XX/XXXX to try to resolve this and they refused to refund the interest charge. 

I have two major issues, the first is that they don't split out anywhere on the statement what the promotional part of the payment is, which leads to issues like this and the second is that they would not refund the interest fee even though they're using non-standard methodology in rounding.

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 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TransferWise Ltd

Complaint narrative:
hi I was robbed and defrauded by transferwise.com company he closed my account and refuse refund my money

Company response to consumer: Closed with explanation