vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I was sent an email sent by XXXX saying an unauthorized payment was made to my account I received call from someone who purported was from XXXX. They asked me if I had purchased an XXXX  and I said no. They said they would help me set up new password in system. They tooK.me through various steps " to set up a new account '' .They took me to a page that said " Cryptocurrency '' and gave me a long statement how this is what XXXX uses. I declined and hung up. Immediately, XXXX was transferred out of my account using XXXX to an a XXXX account registered to " XXXX XXXX '' XXXX account. BB & T is now saying the payment was authorized and they will not reimburse me. I have never opened nor used my XXXX 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 2021-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On or about XX/XX/2021, Barclays closed my Account No. XXXX. On XX/XX/2021, I called Barclays to get my reward balance of {$32.00}. Barclays refused by imposing minimum redemption requirement of {$50.00}. 

Barclays chose to close the account for non-activity ; I should not be forced to use my credit cards if I do not want to!! Furthermore, it is unfair for a financial institution to impose the minimum redemption requirement on a customer, especially on the purchased that were made months or a year ago and rewards were fully earned.

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 2021-09-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: FL

Complaint narrative:
Today XXXX once again I would like to ask this company to stop targeting me, I do not want to be contacted by this harassing junk mail. On XXXX XXXX I stablished a complaint against Bankers Healthcare Group XXXX OFFICE. XXXX XXXX XXXX XXXX. XXXX, FL XXXX. T : XXXX. F : XXXX This company refuses to acknowledge my request or to respond my complaint. At florida department of agriculture case # XXXX This company its using my name and personal information for marketing and solicitation. I just don't understand why this company is harassing me with unsolicited and never requested mail and loan offers. How this company got my information, what gives the right to this company to use my name and address. 
This company needs to respect the fact that my name is at the three credit bureaus and XXXX XXXX XXXX -out list and every credit bureau op-out list to included also the DMA. 
Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where? 
Please stop remove my name out their data base, and ask every marketing company not to use my name. I'm a handicap, I'm a war veteran and also I'm a senior citizen being target by this junk unsolicited mail. 
I had never requested, and I will never ask for this junk unsolicited mail to have my personal information in it. 
Please see the attached evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: NC

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: U.S. BANCORP
State: FL

Complaint narrative:
XXXX continues to report inaccurate information and does not allow me to submit a dispute after prior disputes. However, this is unfair because the information is inaccurate. I have bank records showing my mortgage was never late and was paid off but they continue to report it as in bankruptcy. I also have an account with a rental company that went through the courts and the case was dismissed and I was not responsible for these charges.

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 2021-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I HAVE ALWAYS TRIED TO CALL WELLS FARGO AND WORK WITH THEM WHEN IT COMES TO FEES AND OVERDRAFTS. WE ARE IN A PANDEMIC AND CONSUMERS ARE TRYING TO GET BACK ON THEIR FEET ETC ETC. HAVING OVERDRAFT PROTECTION CAN BE HELPFUL SOMETIMES, BUT A CONSUMER LIKE ME TRIES TO BE MINDFUL ABOUT HOW I USE IT ESPECIALLY BECAUSE THE FEES DO ADD UP AND WELLS FARGO IS NOT VERY FORGIVING WITH THAT. AGAIN BEING THAT WE ARE IN A PANDEMIC, IT COMES IN HANDY AND I DO NOT MIND PAYING IF I DID USE IT AND IT IS REPORTED CORRECTLY. RECENTLY THOUGH I TRAVELED OUT OF THE COUNTRY AND PRIOR, I CONTACTED WELLS FARGO BY GOING INTO ONE OF THEIR LOCATIONS IN XXXX TEXAS TO INQUIRE ABOUT PURCHASES EUROS, I WAS TOLD I HAD TO DO IT A WEEK IN ADVANCE BEFORE TRAVELLING WHICH I DID NOT KNOW, I THEN CONTACTED CUSTOMER SERVICE TO INFORM THEM I WAS TRAVELING AND TO NOTED MY ACCOUNT BECAUSE I WILL BE USING MY CARD, SHE INFORMED ME I CAN USE MY CARD BUT DID NOT INFORM ME OF THE FEES I WILL BE CHARGED. WHILE OVERSEAS I STARTED NOTICING MULTIPLE INTERNATIONAL FEES BOTH CARD TRANSACTIONS AND ATM TRANSACTIONS. WHEN I RETURNED I CONTACTED WELLS FARGO AND NOTIFIED THEM OF WHAT I WAS TOLD AND ALL THEY SAID WAS THEY WOULD LOOK INTO IT AND NEVER GOT BACK TO ME AND STILL CHARGED ME WITH FEES. WELLS FARGO ALSO CHARGED ME SEVERAL OVERDRAFT FEES 3 FOR MULTIPLE TRANSACTIONS THAT WWAS NEVER POSTED FOR A XXXX XXXX THAT WAS NEVER SENT. I ALSO CAME BACK TO MY CARD BEING USED FRAUDULENT MADE A COMPLIANT AND MY MONEY NOT REFUNDED. I HAVE DIRECT DEPOSITS FROM SEVERAL JOBS COMING TO MY ACCOUNT ABOUT EVERY WEEK, BUT I REFUSE TO PAY UNNECESSARY AND UNFAIR FEES. EVERY TIME I CALL TO DISPUTE FEES THEY ASK ME TO TUEN OFF THE OVERDRAFT PROTECTION, MEANWHILE, THEY COULD BE REASONABLE AND MINDFUL OF THE FEES THEY CHARGE CONSUMERS. WEREN'T THEY RECENTLY IN THE MEDIA FOR FRAUDULENT PRATICES? ALL AM ASKING FOR IS FOR UNDERSTANDING DURING THESE DIFFICULT TIMES AND FOR THEM TO WORK WITH ME, I USUALLY DON'T MIND PAYING THESE FEES BUT THIS TIME IT IS OUT OF HAND, ESPECIALLY SINCE I FEEL I SHOULD HAVE BEEN INFORMED OF THE INTERNATIONAL FEES AND THAT I TRAVELED WHICH INTURNED CUASD ME TO BE SHORT ON FUNDS.

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 2021-09-07 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: TX

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX  on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX-Repeated phone calls with a voice mail telling me to call XXXX. 
On XXXX I received a phone call from XXXX from XXXX, TX. I answered and a auto message said to call XXXX. 

I called and a woman answered saying I owed a payday loan, which I have never even visited one, in the amount of {$500.00} from Check and Go in XXXX, TX. Since it had interest, she said I owe over {$1100.00}. She had the last four digits of my SSN. I gave no information. Ive never received any phone calls or mail from any Check and Go. I doubt XXXX has one. The woman said it was going to legal. 

The woman could not give me her name nor the name of the business she was with nor could she give me any contact information. She typed in her computer that since I refuse to pay the debt, theyd be sending me something in the mail. I laughed and hung up. I blocked that number and after about 10 minutes, they called back. Same number. I blocked the number again. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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 involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX  / XXXXBalance : $ XXXX Opened : XX/XX/XXXX XXXX-Balance : $ XXXX-Date OpenedXXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: CITIBANK, N.A.
State: OK

Complaint narrative:
I received a letter from Citi stating they could not verify the accuracy of credit information. However, I have NEVER applied for a credit card with Citi. The letter provided a reference no. and the letter said to have it available when I call. I called the number in the letter. They requested my social security number before they would talk to me. I have absolutely no intention of providing my social security number. Not sure what is going on here but definitely think it could be fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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 have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX on my life.

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 2021-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RSI Enterprises, Inc.
State: CO

Complaint narrative:
I sent RSI a validation letter in XX/XX/2021 ( attached ). Their response in XX/XX/2021 ( attached ) was stating that they do not need to provide any validation to except the name and amounts. There is a few problems with the verification that was sent. 
First- there is a HIPAA violation- they could not provide me, as I requested in original validation letter, a signed HIPAA form by me, releasing XXXX XXXX XXXX to release any medical information, as you can see there is all my medical information on the forms that they received, that is CLEARLY violating HIPAA privacy laws. ( which by law they MUST REMOVE THIS IMMEDIATELY ) Secondly-the so called validation they sent me are very detailed statements that were addressed to me, however the amount owed is {$0.00}!!

Therefore, not only are you violating HIPAA, You are now violating FCRA laws.

THERE IS NO AMOUNT DUE!

I will be reporting both to HIPAA for both their violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: LEXISNEXIS
State: CT

Complaint narrative:
I am in disagreement with the items listed below which still appear on my lexis nexis credit report. I would like these items immediately deleted. These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. i have also attached screenshot evidence which highlights all the records that need to be deleted immediately. in addition i have attached my complete lexis nexis credit report which was sent to me. ( SECTION 2 : Address Characteristic Record ; RECORD 1, RECORD 2, RECORD 3, RECORD 5, RECORD 6, RECORD 7, RECORDS 8, RECORD 9, RECORDS 10, RECORDS 11, RECORD 14, RECORD 15, RECORD 16, RECORD 18, RECORD 19, RECORD 21, RECORD 22, RECORD 23, RECORD 24, RECORD 25, RECORD 26, RECORD 27, RECORD 28, RECORD 29, RECORD 30, RECORD 31, RECORD 32, RECORD 33, RECORD 35, )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CW Financial
State: OR

Complaint narrative:
In 2013, I applied for a payday loan from a fraudulent company that is presumably based overseas. I applied for a loan of XXXX dollars and never received the money. I canceled my application and was then harassed by the fraudsters that ran the company. They called me nonstop for a month straight, threatened my life, tried to extort me. Last week I received a phone call from Crestwood Management a scam law firm that represents this " payday loan '' company. I talked to a woman over the phone named XXXX. She told me that I am XXXX in debt, for the loan I never received in the first place. And applied for almost 9 years ago. Apparently, I will receive a summons in the mail tomorrow, I was notified of this via text from phone number XXXX. I was told to call XXXX if I needed more info. I called and they tried to set me up on a payment plan of XXXX dollars for 10 months for this loan which I never received. 

I am also notifying the XXXX XXXX XXXX and the local authorities of this scam.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus is reporting inaccurate information on PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) with Account Number XXXX. 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 non-monetary relief
Consumer complaint received 2021-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XX/XX/2021, my Loss Mitigation Assistance Application was denied by M & T bank. On XX/XX/2021 I received a letter from M & T regarding my Loss Mitigation Assistance Application for which they request additional documentation. I supplied the additional documentation on XX/XX/2021, via confirmed Fax from an M & T branch. Although I supplied all the documents requested, application was denied and forbearance status was revoked leading to four packages of foreclosure letters mailed to my address at XXXX XXXX XXXX, XXXX XXXX, NY, XXXX the following week. This practice was horrendous, as M & T customer reps has no explanation as to was cause for the for start of foreclosure proceedings. They never processed my application because it was never their intent. I am concerned that M & T is attempting to force me out of my home so the profit by resale on the open market. They are denying me the opportunity to obtain loss mitigation assistance to stay in my home as I wish to do.

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 2021-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
XX/XX/2021 i invested {$1000.00} in XXXX through Coinbase Pro.com website. The {$1000.00} was two transfers of {$100.00} and {$900.00}.

I completed the coinbase login requirements with photo and two level account verification. 

I did not regularly look at the coinbase balance because the value of XXXX was declining and there was not much to deal with. 

In XX/XX/2021 with the value of XXXX improving I went to my account and found that the account balance was on {$12.00}. I sent a request for support to the Coinbase Support group. They locked my account and told me that they would recover the account. 

XX/XX/XXXX Support told me that the account was successfully recovered. When I went to the account the balance was still {$12.00}. I sent the support group a copy of the transfer out of my account on XX/XX/2021 for XXXX that was not authorized by me. Support can not tell me who made the transfer or where the money was transferred to.

Support has closed the account fraud request with NO RESOLUTION>

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MD

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation