vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XX/XX/2022, I have transferred {$1000.00} via wired from my XXXX XXXXXXXX XXXX to Scammer 's bank below. 
Scammers banking information and located in NY XXXX. 
Bank site : http : XXXX Santander Bank Account nameXXXX XXXX XXXX Account number- XXXX Routing number- XXXX XXXX code- XXXX Business address- XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Bank address- XXXX XXXX XXXX New York XXXX NY XXXX Scammers misused XXXX XXXX XXXX XXXX and business XXXX Scammer XXXX XXXX XXXX has own Business website : XXXX : XXXX Scammers has used bank web : Bank site : XXXX XXXX XXXX Scammers has used business web : https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Scammers created shipping tracking web : http : 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 2022-02-13 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
A error in Wells Fargo 's bookkeeping is negatively impacting my credit reports. While I have maintained a revolving line of credit with this financial firm since XX/XX/XXXX, I was recently advised that Wells Fargo reported to various credit reporting agencies that my account was past due in XXXX of XXXX. I have been a reliable customer with Wells Fargo and recall no time when I did not honor my contractual obligations to remit payments timely. In addition, I received no notification indicating that my account was past due or required any intervention. The aforementioned error, negatively impacting my credit score, is posing financial hardship.

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 2022-02-13 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
While checking my personal credit report I noticed an inquiry made by COMENITY BANK/ XXXX XXXX XXXX 
I did not authorize anyone employed by this company to make an inquiry and view my credit report. I request that a copy of my signed auhtorization that gave them them the right to view my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have already been issued a complaint number, XXXX XXXX. The details that you are asking for above have already been provided. I am attempting to add police reports and video evidence to my complaint. I am hoping that this document will allow me to provide this evidence as proof of the crime theft, and credit card fraud was committed against 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 2022-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX reported that I had a " major derogatory '' account 120 days past due to XXXX credit bureaus. I received an alert thru my credit monitoring service -- I have never received any communication about it or any amount owing whatsover from XXXX. 

On XX/XX/XXXX, I opened an account with XXXX because I intended to port my number from a different carrier, but decided against it and closed my account with XXXX the same day I opened it, on XX/XX/XXXX. I never purchased any equipment, activated a XXXX card, or used any XXXX services whatsoever. I have a statement showing a {$0.00} balance dated XX/XX/XXXX, and that was the last communication I ever received from XXXX. I have never received a bill, statement, notice, email, telephone call or any communication from XXXX XXXX since that date, or any indication that any amount was owing for any reason. 

On XX/XX/XXXX, the day I received a credit monitoring alert, I called XXXX, got passed around multiple times, and both the fraud unit and the " recovery '' unit told me the account had been sold to a collections agency called Convergent USA, and they could provide me with no information about the account, the amount owing, any bill, or the reasons for the report to the credit bureaus. I have never received any notice of any debt, statement, telephone call, email, or any communication from Convergent USA -- yet this alleged debt has been reported to the credit reporting bureaus.

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 2022-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX Transunion : XXXX XXXX XXXX, XXXX, PA XXXX RE : REQUEST TO UPDATE CREDIT REPORT, PLEASE RUSH LOAN PENDING To Whom It May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove ALL comments & disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed to begin with or are no longer in dispute. 
I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Once again this is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period you are allowed for disputes. 
Truly, 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 non-monetary relief
Consumer complaint received 2022-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Professionals, Inc.
State: TX

Complaint narrative:
COLLECTION PROFESSIONALS Original creditor : XXXX XXXX XXXX {$610.00} Balance updated XX/XX/2022 reported this information on my XXXX and XXXX consumer file which is identity theft I never stepped foot in this hospital a day in my life let alone been to any hospital in years plus XXXX and XXXX didnt even validate this collection properly i have also file a identity theft complaint FTC and working on a police report the companies info is located below XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX & XXXX ARE REPORTING THIS IDENTITY THEFT INFORMATION ON MY CONSUMER REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
On Thursday, XX/XX/XXXX, at XXXX XXXX, I received an email from Aidvantage - my student loan servicer since they took over from XXXX - telling me my monthly statement is ready. It included the amount due for the month and the due date of XX/XX/2022, nearly 7 weeks earlier than the expiration of the national moratorium on student loan repayments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: PA

Complaint narrative:
On XX/XX/2021, I Reached out to XXXX XXXX in regards to a debt they are saying I owe. I talked to a rep from XXXX XXXX explaining that the information was invalid. I also mailed them a copy of my police report & disputed letters asking them to remove the inaccurate information they are stating I owe {$920.00}. When i spoke with the rep she said they cant remove it unless i pay half. This account is not mines so i feel as though i should not be responsible to pay it.

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 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is a hard inquiry on my credit report from XXXX XXXX XXXX which is scheduled to drop off in XX/XX/2022. I am therefore requesting an early exclusion ( deletion ) of this item from my credit report please. This company has a policy that states that persons can request an early exclusion or deletion of an item up to two months before the due deletion date. 
I am therefore asking you please to delete the hard inquiry of XXXX XXXX XXXX from my credit report please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
received a letter from Ally Bank on XX/XX/2022 stating i have to make a deposit into the account or it will be closed due to a negative balance of XXXX XXXX The letter stated that I have 10 business days from the date of the letter or my account would be restricted. I set my tax refund from the CA franchise tax board to go into my Ally Bank account. The CA XXXX sent a direct deposit of XXXX $ to my Ally Bank account on XX/XX/XXXX. I contacted Ally bank on the same day to verify that my account would not be restricted so as to not reject the direct deposit. I was assured that my account is fine and it would not reject any deposit that is arriving. I was told it usually takes 3 business days for the account to see a direct deposit and that since the XXXX was a Saturday I should wait for the XXXX business days to pass. on Monday thXXXX XXXX I went on my Ally bank app to see if maybe deposit came early. To my surprise, I saw that my account had been closed. I frantically start contacting the customer service, asking why would they do that to me? i told them a deposit was coming, and it was sent within the time. the first person I talked to assured me that the account was fine and when the deposit comes in they will either reopen it or they will take the amount I owe out of the deposit and send me the remainder of the amount by check. Then I received a notice on the XXXX saying that my account had been closed. The notice also said that the account would still be able to receive deposits in order to cover the negative balance and the remainder would be sent to me in a check. this has caused me soo many problems. i just want to know why they wouldnt tell me " hey your account is going to close tomorrow, the deposit will not go through| '' I was literally told your account is fine. Why couldnt Ally bank just do what they said they will do? Then they send me a letter in the 2nd saying we have removed the restrictions from your account you can now use it again but the notice wasnt true. What kind of bank sends a notice and its not even true. instead of receiving the deposit and sending me the remainder after taking out the negative. They REJECTED the deposit.

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 2022-02-13 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 — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
This is a follow-up on my earlier complaint with CFPB ( Complaint # XXXX ). 

On XX/XX/XXXX I called Goldman Sachs / Apple Card Services to make payments to my account since I had been unable to access account since XX/XX/XXXX after I called to dispute the error on my credit card statement. I also requested my XXXX credit card statement to be sent to my address since I couldn't access it ( given no access to my account online or on the apple wallet ). 

I received my XXXX credit card statement on XX/XX/XXXX. Upon review, I noted the following : 1. My XXXX balance is still showing that I purchased 2 ( XXXX ) XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX instead of 1 ( one ) XXXX that I purchased per Order # XXXX. 

2. I was charged an interest fee of {$22.00} based on the erroneous balance of {$1200.00} ( this has been incorrect since XX/XX/XXXX when Apple/Goldman added a product that I did not purchase on my balance ). 

It has been over 2 months since I notified Apple/Goldman Sachs about the error on my credit card statement but they have refused to update my statement and continue to charge my interest fees for an amount that I do not owe, and to report an incorrect balance to the credit bureaus. I have attached the following : - a copy of the XX/XX/XXXX credit card statement, - a copy of the XX/XX/XXXX credit card statement, - a confirmation for the XXXX purchase referenced ( Order # XXXX ) - a confirmation of the successful trade-in per Order # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I filed a fraud claim for XXXX XXXX on XX/XX/XXXX after going back and forth between branches and customer service representatives giving me different erroneous information on the process to get the money back. In XXXX  XXXX I was credited the money for XXXX XXXX and was told that the other one was pending review and to check in 7-10 days. On XX/XX/XXXX, that the fraud claim was denied because of the timeframe on when it was filed but the other claim was approved and if it was late according to them, it was for their own erroneous information. I spoked with supervisors without any resolution and opened a complaint with the XXXX complaint # XXXX on XX/XX/XXXX ; XXXX. All they did was sent XXXX messages stating that it will take 15 calendar days for a resolution and nothing else. On XX/XX/XXXX I received a letter from the bank stating that my checking account will be close by XX/XX/XXXX because the bank can close an account at their discretion. I read numerous social media reviews and Truist has done the same thing to many clients like myself ; they denied fraud claims and the customer have to take the lost. My fraud claim was for {$3700.00}. Thats a lot of money for me and it's unfair and illegal that Truist will denied something that XXXX says there is zero fraud liability.

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 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Dear Comenity bank I XXXX XXXX the Living in person have tried to once & for all dispute this account on XX/XX/XXXX however after multiple attempts I have not been successful after reaching out by phone & demanding to speak with a supervisor I was told Comentity bank agent XXXX told me they could not discuss my account with me & that she couldnt answer any of my questions pertaining to Comenity bank still illegally furnishing on my consumer report while my account is still currently under investigation as well without my consent the original XXXX XXXX living person! You still have & continue to use these practices violating my Federally Protected consumer rights 15 usc 1692 ( 6 ) ( a ) ( 2 ) ( 3 ) ( B ) pursuant to 15 usc 1692 ( d ) ( I ) following 15 usc 1692 ( e ) 15 usc 1692 ( j ) Pursuant 15 usc 1611 Willing-fully and knowing Comenity bank reported a stays update on XX/XX/XXXX, Two late fees on XX/XX/XXXX consistently Voilatiang my rights accordingly to the TILA Pursuant to 15 usc 1692 ( k ) ( a ) I Demand you refund on all any & all payments made on the account social ending in ( XXXX ) since the account has been opened on XX/XX/XXXX I wish to rescind on all contract pertaining to my childrens place credit card account because of Comenity Bank illegal practices I have suffered from the information was shared with third party agencies 15 usc ( 13 ) Discrimination in the process of buying a home, leasing or financing a vehicle for me & my children Comenity Bank has cause me pain, suffering, frustration, time money ect..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-13 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
- In XXXX of XXXX, I placed my federal student loans, which were serviced by Navient at the time, into forbearance due to financial hardship. The " Reply Yes '' email I received ( see attached ) stated they would apply forbearance payments to all of my federal student loans that they serviced- not my private student loans. On XX/XX/XXXX, Navient fraudulently applied forbearance payments to both of my private student loans, which they also serviced ( see attached documents ). I never requested forbearance for these accounts. Because they decided to apply payments to my private student loans instead of only my federal loans, it reset the statute of limitations and the seven-year timeframe that those loans would remain on my credit report. They should have fallen off around XXXX, but my credit report now states that these accounts won't fall off until XXXX. 
Every time I dispute this, with supporting evidence, Navient refuses to remove the accounts from my credit report. They also retaliate ( or so it feels ) by updating my account with incorrect information. For example, Navient closed these accounts and charged them off as " bad debt '' in XXXX, but in XXXX of XXXX, after disputing this issue for the umpteenth time, they randomly updated my credit report stating that I missed a payment and am currently late- which tanked my credit score even further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am attaching a complaint which I submitted to NY Department of Financial Services, and they recommended I contact you because you are the regular of TD Bank, a national bank and you have jurisdiction over this complaint. Please find letter attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
I was a victim of unauthorized charges. i regained access to my account. 
i checked most recent transactions dating back 6 month period. I noticed multiple unauthorized transactions. I immediately contacted company/bank to file dispute close account and report fraud. 
I already recently had tgree bureaus alerted to victim of compromised accounts as well as victim of identity theft. I have active fraud alerts. I have no knowledge of the reported transactions in dispute status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
A charge of {$5100.00} appeared on my Chase XXXX credit card on XX/XX/21. The vendor was XXXX XXXX. Chase flagged this potentially fraudulent transaction the next day and asked me if I knew about it. When I told them that I did not, they removed the charge from my account and issued me a new credit card. 

Unfortunately, when I received my next statement, they had restored the charge. I have followed up with Chase on multiple occasions and have been shuttled between multiple departments and generally given the runaround. In one of these conversations, the representative discovered that the travel took place in XXXX and was used by somebody who is not known to me. This is clearly a credit card security issue on their end. 

I will continue to seek resolution with Chase but they do not seem like they are willing to help. The charge remains on my account, accruing interest. 

FYI... I have tried to submit a copy of my statement but nothing happens when I click on the attachment button. I have tried on two devices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-13 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: TX

Complaint narrative:
XX/XX/XXXX The problem was supposed to be resolved and yet its the same issue. Documents have been faxed, uploaded and nailed.Credit Acceptance has been paid off last XX/XX/XXXX {$480.00} Yet still its the same issue. This has cause mental health issues for me .Also CFPB also has a record of this error as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
Navient is still servicing two of my XXXX student loans. I had t pay fXXXX XXXX and XXXX. They want me to reapply for IDR program with them, but they are no longer listed as a federal loan service as of the end of XX/XX/XXXX. If that is the case, why was I charged for two months into XXXX?

Company response to consumer: Closed with explanation