vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-29 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: Grain Technology, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I was unable to login, view my balance, make a payment, or view statements. When attempting to login I was asked to verify my identity by uploading a photo of myself, social security card, and drivers license. The app would not allow me to take the phone making it impossible to verify even though I had all the necessary documentation. I have had a line of credit for 7 months with this company all the while they have been reporting to all three credit bureaus. 
On XX/XX/XXXX I attempted to call the company 11 times to speak to a customer service representative. Those 11 times resulted in a message stating no representatives were able to take my call. Again on XX/XX/XXXX, I sent 3 email messages and received an auto response stating I would receive a response within 2 business days. Today is XX/XX/XXXX and I have still not received a response. 
I am livid at this behavior. I have been a consisted user of this card and to be left with no response to a serious issue is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Ally Bank is withholding fund longer than Federal Regulation set by Regulation CC. Ally Bank 's routing number is 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 non-monetary relief
Consumer complaint received 2021-10-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/XXXX, I was alerted to one fraudulent transaction on my card. I immediately blocked it and called to verify my identity. The bank then allowed nearly $ XXXX in additional fraudulent charges and a false payment on the account despite my validating identity, that the card was in my possession, etc. 

They even allowed someone to make a fraudulent payment which was reversed. 

It has seriously impacted my credit and the fraud team can't explain it and are saying it will take several more weeks and no explanation as to the error in their process. At one point they wanted me to mail documents when they couldn't secure the digital version!

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 2021-10-29 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
In XX/XX/XXXX I moved from XXXX XXXX XXXX XXXX XXXX. At no time did I authorize XXXX to renew my membership as there is no store near my new address. Evidently they auto renewed and did not have my new address. This resulted in additional charges and referred them to a collection agency. I was called by the agency around XX/XX/XXXX and explained what happened to them. They had me call XXXX  who canceled my membership and on XX/XX/XXXX refunded the change. On XX/XX/XXXX all charges were canceled per the collections company. I confirmed that with them and XXXX bank. However the negative report remains on my credit reports and has lowered my score significantly. I am in the process on obtaining a VA loan and my interest rate is significantly higher due to the negative report.Score went from XXXX  to now XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MS

Complaint narrative:
Transferred XXXX XXXX from Coinbase to Coinbase XXXX on XX/XX/XXXX, XXXX the transfer went through fine however I placed a limit sell order to sell XXXX XXXX XXXX at a limit price of XXXX which would have been {$8300.00} USD- but the order didnt show up until 5 hours later on the Coinbase pro app - also the funds are stuck in limbo and Coinbase support refuses to fix - I want my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-29 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: CITIBANK, N.A.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
MACYS/DSNB XXXX Opened XX/XX/XXXX Balance {$0.00} Late Closed-

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 2021-10-29 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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been sending written letters since XX/XX/XXXX with regards to my request of removing the inquiries in question and my last request was sent XXXX XXXXUpon reviewing my updates, incorrect information has been constantly reporting. 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 inquiries that are reporting on my Credit Reports : XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXXDate of Inquiry XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
This company has advertised to me that they could fix my credit for me and I have found out that is not true. They have violated 15 usc 1679b ( b ) by requesting payment before the service were fully performed. XX/XX/2021 I applied for the company to help. {$100.00} was due on XX/XX/2021 after a {$19.00} discount was applied. Later ( XXXX XXXX ) on a {$55.00} discount was applied that brought the payment down to {$74.00} and was due on the previous date. XXXX XXXX, & XXXX a group of letters were sent out on my behalf from the companies in an attempt to repair my credit. I was charged for the service on XX/XX/2021 but I wasnt notified that a few items were removed from my report until XX/XX/2021. They were only 2 items and the service was not fully complete. But I was still charged, and that is a consumer violation. Pursuant to 15 usc 1679g anyone who violates is civilly liable for the damages. Because of this violation and their failures to follow federal law, I still am unable to use my credit, unable to finance vehicles or even obtain money from banks because I was led to believe that they would help improve my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

SYNCB/WALMART XXXX Opened XX/XX/2012 Balance {$0.00} Late Closed-

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 2021-10-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a complaint with the CFPB against equifax and the result of the complaint is retaliation by lowering my score even more for incorrect items that are at or over two years old. My score was lower twice total of XXXX points this month due to remarks updated on my credit file. I am trying to rent a home and this is prevention me from obtaining shelter. I need help. I called equifax on XX/XX/2021 when I spoke to the representative she stated that she couldnt do anything I asked to speak to a supervisor she stated that she will have one call me back which I still havent gotten a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: NV

Complaint narrative:
I refinanced my home through XXXX XXXX Company based in XXXX XXXX, Nevada about 2 months ago. I signed the deal of {$310000.00} with First American Title insurance Company based in XXXX, Nevada on XX/XX/2021. However, after about Two months of my deal, my previous mortgage company which is XXXX XXXX didn't close my account and keep sending me a monthly payment bills and additional letters that indicates " short payoff issue ''. I called both XXXX XXXX and First American about the issue several times but, the problem is still not solved. Lastly, I have got a waring letter from XXXX XXXX which indicates that " ... To cure the default, the full amount of the default on this account must be paid by the 35th day from the date of this letter which is XX/XX/2021. Failure to cure the default on or before this date may result in the acceleration of the sums secured by the security instrument and sale of the property... .. '' Now, after I have got this letter, I am afraid of losing my home without any wrong doing in my part and I am suffering from not slipping well. My continuous calls to the above mentioned companies doesn't bring any solutions instead wasting all my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removal of the erroneous information about the unauthorized inquiry has been consistently neglected by Equifax. Despite sending them written letters since XX/XX/XXXX, I have not received any response up to this date. Besides, the inaccurate information about my inquiries are still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 inquiries that is still reporting on my account : 1 XXXX  - Date of Inquiry XX/XX/XXXX 1 XXXX  - Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: CA

Complaint narrative:
On XX/XX/2021 at XXXXXXXX XXXX ( P.S.T. ) I received an email from Bank of America stating that " you're credit card application has been approved. '' I have one existing credit card ( a Visa card ) with Bank of American but I never at any time requested a second credit card. I phoned Bank of America at XXXX XXXX ( P.S.T. ) on XX/XX/2021, which is when I became aware of the email that they had sent me the previous afternoon. After being transferred multiple times, and staying on the phone waiting for about an hour, they finally cancelled the card and said that I will receive ( in about 45 days ... ) the information that I will need to fill out a police report. 

My complaint is specifically with Bank of America. I believe that Bank of America itself did one or both of the following : 1. They allowed a fraudulent application for a credit card to be processed in my name, while never contacting me or activating safety protocols that would have stopped the process immediately, OR 2. Bank of America, without my consent, knowledge, or authorization opened a second credit card in my name. 

Bottom line, Bank of America 's negligence and failure to exercise due diligence is directly responsible for this happening.

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 2021-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: WV

Complaint narrative:
Under the 604 fair credit reporting act, after an account goes into collections after 180 days the consumer is not longer responsible for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Navy Federal Credit refuses to explain why I have been charged XXXX dollars more than my total deposit amount on one account. I have been paying XXXX since XX/XX/2021 to clear this issue. 
In XX/XX/2021 they removed XXXX. That was expected for my overdraft protection.then money was added to my account. In XXXX I was told my checking was closed. I owed the XXXX. That's XXXX more than I receive in monthly income and can not go over. Then in XX/XX/2021 I am told by letter that I only can use mobile banking. I can not talk to any member of their customer service. 
Without explanation in the letter for this. 
Then in XX/XX/2021, my account went from XXXX to XXXX with explanation. Can not talk to anyone and the statement only says adjustment. Adjustment for what? I haven't used the account since XX/XX/XXXX. 
XXXX XXXX is running Navy Federal Credit Union as if it's her personal bank with bias and bad blood towards people with dark skin and with mental health issues. I even had conversations with employees who agreed NAVY FEDERAL CREDIT UNION EMPLOYEES are treated like XXXX and slaves. Several conversations about unionization must have been the final straw.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I am the cosigner on a private student loan being serviced by Firstmark Services. The loan was scheduled to be put back into repayment status with a payment due on XX/XX/21 of XXXX due. 

On XXXX I made a payment of XXXX toward what was due. Firstmark Services continues to tell me the XX/XX/21 is NOT paid and the due date has NOT advanced 1 month. Firstmark Services considers this an overpayment, however, the amount due was paid. The servicer is in error. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The accounts annual renewal came due. I have not used the card in a year and thought I continued to have a XXXX balance. The past due payment of {$40.00} was due XX/XX/XXXX as of today XX/XX/XXXX Chase closed the account with no phone call to collect the money and no letter. I have been an outstanding and loyal customer with a {$24000.00} credit limit. This is unfair and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: DISCOVER BANK
State: PA

Complaint narrative:
On XX/XX/XXXX I just received the report sent to us by Discover about their findings which are completely irrelevant from my previous complaint. It broke down everything from the payments we made to the disputes/fraud charges with XXXX. We made payments during the fraud/dispute charges because we had previous purchases that we had made on our discover card that we were trying to pay off. That is the only reason we made those payments. We did not discover the XXXX charges until we received our bill in XXXX in which we called discover and my husband called XXXX about this. When XXXX would not call us back that was when we kept calling discover. We did billing disputes first because we were not sure what to do since this had never happened before. We were then told by the billing department that we needed to do fraud charges. I added my husband as a user in order for him to bring his credit score up for when we build a house. His credit card through XXXX XXXX was also hacked and his account through them is currently closed because of this. I have new findings that show there was XXXX deposited and XXXX withdrawn. I wish we had this money, but obviously we don't because we did not do this. If we did obviously this would be paid off and wouldn't be an issue. It also shows a credit card listed on his XXXX account ending in XXXX. We do not own a card ending in these 4 numbers. My guess as to what happened is whoever hacked my husband 's account withdrew the winnings to his XXXX XXXX account then to the credit card ending in XXXX. This shows that this was fraud. I am going to upload the new finding documentation below. I am not paying this amount of XXXX that us currently on my discover card because they are fraud charges. When my husband first opened his XXXX account he did sports betting only and hasn't done that since XXXX. He did upload his winnings then to his XXXX XXXX account ending in XXXX. He has not used his account since XXXX and since all of this has happened he has closed his XXXX account-to where he can't do anything, and his XXXX  XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have 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 Bureau, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: LA

Complaint narrative:
Specialized Loan Servicing, SLS, offered and i accepted Covid related modifications during the beginning and continuation of c19 lockdowns and severe unemployment.

Was explicitly told forbearance and any.modifications WOULD NOT AFFECT CREDIT REPORT NOR WOULD IT BE INDICATED ON MY CREDIT REPORTS. It IS SHOWN, and states a NEGATIVE with a 7 year expiration time for negative to be removed. Other people with different mortgage companies have NO indication of any mods and are in good standing with credit reporting companies. NOT SLS. Requested and they said could not do, even tho they stated at time of mod,, & is allowed under both Covid relief acts...

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 2021-10-29 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: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 
WELLS FARGO BANK XXXX Opened XX/XX/2011 Balance {$0.00} Late Closed-

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 2021-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
Under the 604 fair credit reporting act, after an account goes into collections after 180 days the consumer is not longer responsible for the debt.

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