vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2022 I was charged an overage fee, my account was low but not overdrawn. This however put my account into being overdrawn. I put money into the account on XX/XX/XXXX. I sent a message to Suntrust online account support and was told due to delays it would take 24-48 hours until I heard from anybody. Spoiler alert, I never did hear from them. My account was then hit with a 2nd overage fee, which wouldn't have happened if they corrected their error in the first place. Today I have been on the phone and on hold with them and the agreed that my account had not gone over balance that they would do a 1 time COURTESY refund. I told him that's not acceptable that their creative math is what caused the overage in the first place. It is predatory to charge someone an overage fee when their account is not overdrawn. After notifying " XXXX '' that I was recording our conversation and had my banking info that shows I did not go over I had to wait another length of time for a supervisor XXXX. After a lot of back an forth it seems that the money will be back in my account Tuesday if I have no more overages due to this. It is unfair for financial institutions to treat people this way.

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 2022-02-05 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Credit report was ran by company without my permission or having any noticed!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: DC

Complaint narrative:
I was sent a letter on XX/XX/2021 from the credit debt collection company. They sent to an address that I no longer live at, and the internet service provider would have no way of knowing that old address. The letter was vague and stated an amount of of money I owed, but I never got notification from the parent company about money owed. 
I attempted to look for any notification, which I never received. The last time I used the internet service would be several years ago. 
After doing some research on the debt collection company a few days later. XX/XX/2021, it appeared to be a scam or unverified company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CO

Complaint narrative:
Yesterday, XX/XX/2022 I received the first notice from a card issued by the bank HSBC. This notice was an issue saying that there was a late payment pending. And that the payment required a {$35.00} minimum payment. This was the first notice issued by the bank including any receipts and debts to be repaid. However, the bank decided to take on legal action ahead of requesting payment. This resulted in a XXXX deduction on my XXXX XXXX. 

These funds have been since paid off in full and would have been if the bank had sent out a regular notice for payment. I'm a citizen of good standing and I have never had a derogatory mark on my credit file. I would have paid this as normal if the bank had sent me a notice or bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have submitted several disputes online, via letter and by calling to each credit agency to correct my personal information that's on my credit reports. My Experian, XXXX and XXXX should only have my name, address and employer as followed every other name, address and employer should be removed ASAP per the law. 

Name - XXXX XXXX Address - XXXX XXXX XXXX XXXX, Broken Arrow, OK, XXXX Employer - XXXX I need all other names, address 's and employers removed from my Experian, XXXX and XXXX credit reports.

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 2022-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
Coinbase has an exchange to buy and sell XXXX but it also has an application called " Coinbase XXXX '' where cXXXX  can be stored. Coinbase claims that the XXXX application is a safe place to store XXXX. On XX/XX/21 I had {$120000.00} on XXXX stored on coinbase XXXX and these were withdrawn without my consent. I don't know how anyone would be able to withdraw money from my coinbase XXXX when I did not authorized any payments. There was no verification, no secutiry steps taken to make sure that I wanted to send a payment. The money was simply taken out of my XXXX I contacted coinbase and they said they were only in charge of the XXXX on XXXX XXXX but not on the XXXX  application. Because of this, I was forced to pay more money as the company who withdrew my XXXX said that I needed to pay more to get my money back. It ended up being a total of {$220000.00} stolen from my coinbase XXXX on XXXX. I have reported this to all the agencies but I also believe that coinbase should be responsible as they claim that coinbase XXXX  is a safe application to store XXXX which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
I have debt collector by the name of consumer adjusting company ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX XXXX, that has been sending me collection notices in the amount of XXXX. This collection has been reported pass due. I am very certain I have never did business with this company and also this company has no signature of mines agreeing to pay them anything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In a recent copy of my credit report ( Confirmation # XXXX ), XXXX reported no payment activity during a two year period ( XXXX XXXX XXXX  ) on any of 3 credit cards I have. 

In addition, a high credit balance that significantly exceeds the credit limit does not correspond with the period for which monthly balances are provided by Chase, while XXXX XXXXXXXX XXXX and XXXX XXXX report high credit balances exponentially greater than any balance reported in the 2-year period under review and for which monthly data is reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: AZ

Complaint narrative:
I received a mailing notification dated XX/XX/XXXX, stating that I have an outstanding auto debt of {$8.00}, XXXX from XX/XX/XXXX. I have no outstanding auto debt and my credit report backs this up. The letter states that I can dispute this debt 1 of 3 ways. To call them, write them a letter, or notify them electronically. 

I called on XX/XX/XXXX @ XXXX and after holding for a little while, I was automatically transferred to a voicemail and asked to leave a message. I left a detailed message including the reference number listed on this letter, my full name, and return phone call. No one has called me back. If they say they made an attempt, that is false because I have had no voicemails left either. 

After no response, I went to their electronic option at www.syncomcorp.net/company/contact us and filled out their dispute section there. This was done on XX/XX/XXXX @ XXXX. It is XX/XX/XXXX, and I have not received any outreach from this creditor. 

There is a statement on this letter that says Call or write to us by XX/XX/XXXX, to dispute all or part of the debt. ( I dispute it all ). If you do not, we will assume that our information is correct. Well, I have tried 2 of the ways this company says to dispute this debt and no one from this organization has reached back out to me. I do not want this showing up on my credit report and this debt collector accusing me of not responding or disputing this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I do not have a contract with this company. They never provided proof of a contract with me or them. I would like this removed from all credit bereaus in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First National Collection Bureau, Inc.
State: VA

Complaint narrative:
I have received a letter from this company attempting to collect money on an alleged debt that i do not owe. on the top of the letter it has a company logo ( infringement on my rights to privacy per 15usc1692b ( 2 ) and 15usc1692f ). In the letter it threatens to harm my score with the consumer reporting agencies violating 15usc1692d. In return damaging my reputation 15usc1692d ( 1 ). This letter was found to be very obscene to me, asking for payment on a debt that i do not owe. violating my rights under 15usc1692d ( 2 ). can you please help me with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Common wealth finance at Address : XXXX XXXX XXXX, XXXX XXXX, Pennsylvania XXXX has been sending me collection notices in the amount of XXXX dollars. The collection has a pass due balance. I do not know this company and never done any business with this company as. So theres no contract with a signature from me saying I agree to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
I have had a business online banking account with First Citizens Bank for years. In XXXX of 2021, First Citizens changed their BOB system and began charging a $ 15 monthly fee. I did not request the change and I did not consent to it. The account charged was an account that had all payments automatically deposited and bills automatically drafted. I did not notice the change until reviewing statements in XXXX when I noticed {$160.00} of charges. I requested the BOB account be changed to the personal system and a refund of the charges. I was refunded {$90.00}. I am requesting a refund of the remaining {$75.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-05 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
The following addresses listed as my personal information on my Experian and XXXX credit report is inaccurate : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX  XXXX. The addresses are not my addresses and I have never resided at the above addresses.

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 2022-02-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Mailed check to pay for one year membership in Sam 's Club on XX/XX/XXXX. 
Check was cashed and cleared bank on XX/XX/XXXX. 
Check was in the amount of {$100.00}. 
Credit card company says they didn't cash the check.

Provided front and back of canceled check and a copy of bank statement to the credit card company. 
Also, have filed complaint with 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 2022-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've tried several times to have inaccurate information deleted from my credit report, but to no avail. The accounts referenced in the complaint are not mine. After submitting more documentation to prove my identity, I requested that the credit bureaus investigate and update my reports with the correct information, but they have yet to react. Not only are the accounts inaccurate, but they also report on each report in a different way. Account numbers and balances are not only unfamiliar, but they also do not adhere to the standards governing accurate and consistent reporting. Please help me.

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 2022-02-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I've tried several times to have inaccurate information deleted from my credit report, but to no avail. The accounts referenced in the complaint are not mine. After submitting more documentation to prove my identity, I requested that the credit bureaus investigate and update my reports with the correct information, but they have yet to react. Not only are the accounts inaccurate, but they also report on each report in a different way. Account numbers and balances are not only unfamiliar, but they also do not adhere to the standards governing accurate and consistent reporting. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
The following addresses listed as my personal information on my XXXX and Equifax credit report is inaccurate : XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX, MN XXXX. The addresses are not my addresses and I have never resided at the above addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
During XXXX of XXXX I recieved over XXXX of fradulent charges from crypto.com. I quickly called my bank and since them my bacn has accepted the fraud and close the case with out me knowing. about XXXX weeks ago I wanted to consolitdate my crypto accounts and could not figure out why I could not get my money out from crypto.com. I contacted crypto.com via chat XXXX week ago and have been chatting ever since. I then demanded a manager which who knows whom I was speaking too. at that time they said the same thing they needed a debt cancelation letter covering XXXX all processed on XX/XX/XXXX. That is when I called my bank and they told me there is nothing they can do they closed the case and there is no way they can generate such letter after they accepted the risk and paid me for it. this is a week and a day later today XX/XX/XXXX I txted fine release my funds minus the disputed amount and close my account. I got the same answer provide the letterand they can not assist me further. at this point my account with them is {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I received an alert a few months ago on my credit that the credit card was settled when I never agreed to have it settled. And I called back and they reopened the account. It took months for XXXXXXXX XXXX XXXX to remove the settled card on my credit report and just report the open one. 
I have just received a 1099C for 2021 on the credit card. I paid the credit card in full in XXXX of 2021. There is no further balances on the account. Yet I am being given a 1099C saying they discharged debt that I have paid in full and that they incorrectly marked as settled. They have transferred me around and around. And told me they cant do anything for me anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: P&B Capital Group, LLC
State: CA

Complaint narrative:
The loan is beyond the California statute of XXXX years with no actions on my part or collections happening from the original lender. 

The debt was sold to a tertiary collector ( P & B Capital Group LLC ) and when I informed them of this they simply hung up the phone after stating obviously you know your legal rights. 

I had submitted a request to XXXX XXXX to have this removed from my credit report as invalid ( purchased by the agency AFTER expiration of the California statute limit of XXXX years ) and they simply took the statement from the company that it is still valid and refused to modify my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: IL

Complaint narrative:
Letters amongst letters were sent out to this company for reporting this to my credit report unknowingly and unwillingly to my knowledge, while also being inaccurate. To my common knowledge I haven't heard anything back from them making me feel as if they are completely disregarding my request. This is bringing upon stress into my life while also financially holding me back. In section 611 ( a ) it states failure to investigate these items within 30 days causes for immediate deletion. It has been well over 60 days and I have received no response. I want these files to be deleted immediately or i will file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: IN

Complaint narrative:
For the last month or so, every time I access or use my account they freeze it and make me go through excessive steps to get the account unfrozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: EQUIFAX, INC.
State: MN

Complaint narrative:
All of the Consumer Report Views/Soft Inquiries listed on my XXXX and Equifax credit report from XX/XX/XXXX to XX/XX/XXXX are all fraudulent and unauthorized soft inquiries listed on my credit report.

Company response to consumer: Closed with explanation