vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-03 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: Colony Brands, Inc.
State: MI

Complaint narrative:
My complaint is with Seventh Avenue, a Catalog Clothing Store. I ordered 2 items from this catalog. I paid them off in full with Money Orders. I had problems with Seventh Avenue because they tried to act as if they didn't receive the money orders. Once they finally acknowledge my payments. I knew I would never do business with them again. Months down the line I see on my credit report with XXXX a past due charge of {$530.00}. This charge lowered my credit score. 
This came to my attention immediately because I was in the process of cleaning up my credit. No program. Just addressing each charge separately. I disputed this charge with XXXX. I called Seventh Avenue and they sent me this letter to file an Identity theft report. I was living at XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX when the catalog was sent without my request. When the charges appeared on my credit report I was and still am living at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX. I don't know if the tenants who moved in after me on XXXX XXXX used the catalogue or if Seventh Avenue put new charges on that catalog. I know that I did not do it. I filed a police report with the XXXX XXXX. Police Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: GA

Complaint narrative:
Erroneous Direct Violation Of The FCRA Professional Debt For two years now Ive been disputing these items I'm getting so angry please please remove these XXXX from my credit report these are fraudulent i file a police report and FTC REPORT XXXX WILL BE SUED and lawyer will be contacting XXXX if these items are not removed in the next two weeks!!!!! 



XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
The {$2500.00} is a CHARGE-OFF amount from XX/XX/XXXX on a Synchrony Bank credit card for my PayPal Business account. I had this account for 8 years before I was unable to pay and it charged off. I closed my XXXX store and retired in XXXX, XXXX after my husband became XXXX from an accident in XX/XX/XXXX. My only source of income is my XXXX which is {$1100.00} per month. My husband receives approximately $ XXXX  monthly in SSID. We don't have any property ( we rent ), no pension, no 401K, no IRA, no Bonds, no Savings.

Synchrony Bank is harassing me through the Small Claims Court to recover with Collectors an original amount of approximately {$1800.00} which they blew up with fees to {$2500.00}. First I received a Summons to Small Claims Court from XXXXXXXX XXXX XXXX XXXX  in XXXX, XXXX. I was required to pay an Appearance fee of {$210.00} to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and filed paperwork explaining my Retired Status. I've never heard from them again about appearing in court. Today, XX/XX/XXXX, I received a notification from Synchrony Bank that they've sold this debt to a new collector : XXXX XXXX XXXX. My XXXX and my husband 's XXXX are not legally subject to judgements and Synchrony Bank and the collectors know this, but they are harrassing me to pay anyway. They hope that I don't know my rights and will comply with their illegal demands. THEY MUST BE PUNISHED AND PUBLICALLY SHAMED.

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 2022-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have discovered fraudulent and inaccurate information on my credit report, also I have an identity theft report with the FTC.gov department.

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 2022-06-03 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: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
I am reaching out to BMW Financial about an account that I have been dealing with that has yet to be resolved. This account is listed as a chargeoff account that BMW Financial Services has wrongfully accused me of. According to the XXXX XXXX XXXX a chargeoff is an accounting term where one item is eliminated from the assets lists when it is lost or deemed worthless. In laymen 's terms, a chargeoff means the writing off of a debt. I am also aware that for something to be charged off a 1099c form has to be completed if the transaction is over {$600.00}. This means that you are furnishing this as an income, but you have listed this account as a chargeoff instead. I am demanding that you show proof of where you have removed this asset from your book as well as the 1099c proving that this debt has been charged off. It is alarming that even though this account is listed as a chargeoff is also listed as a collection. I'm curious to know if this account is removed from your asset book, how is it reporting still as delinquent? Providing the requested information that I mentioned will protect me as well as you from tax fraud. If you can not provide me proof of where you have removed this asset from your book as well as the 1099c form proving that this debt has been charged off, I am demanding that you update this account to PAID AS AGREED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XXXX XXXX XXXX I called the banks and told them that these accounts were opened fraudulently. I never applied. it's fraud. 
Goldman SACHS / XXXX credit card Goldman SACHS XXXX credit card XXXX ACCOUNT XXXX XXXX credit card XXXX XXXX credit card XXXX XXXX XXXX XXXX XXXX  XXXX XXXX credit card XXXX XXXX XXXX XXXX credit card XXXX XXXX XXXX XXXX credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Social Finance, Inc.
State: GA

Complaint narrative:
On XX/XX/19 I had several unauthorized transactions to happen on my account. I immediately called sofi and made them aware of what was going on. I was emailed a letter saying that they had begun an investigation and that my account would be credited it 10 days if they hadn't completed the investigation. That was apparently in to me rather that the situation at hand. They went on the next day saying they where. Closing my account dye ro a policy violation. When I ask for explanation np. Was provided. On the XXXX business day I called in and inquired about what was the hold up on my credit and almost instantly they denied my dispute without explanation. I even contacted the merchant where this happened who let me k ow the never contacted him for anything So much for their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I keep getting alerts saying the my credit information was being used on the Dark Web I dont know how or why, or how to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: LA

Complaint narrative:
My home was damaged during Hurricane Ida. My Insurance company awarded me {$17000.00}. I had to sign the check and then forward to Flagstar to go into my escrow. I have been trying desperately to get them to release {$10000.00} to pay my roofers. I have had one excuse after another. I have been trying for XXXX months to get this money. I talked to them on the XXXX of XXXX and I was told everything was received and approved and they would mail me my check in a couple of day. My roofers went ahead and put the roof on. I called them a few days later to check the check. They said on the XXXX they found an error. It concerned the W9 form. Something about a zip code. This is the third W9 form I have sent to them. This is ridiculous. I sent all of the papers in that they had me do and I doubled checked. Now they are claiming they do not have the estimate sheet which was sent to them. They do not want to get up off of this money. This is my money they are holding. My dealings with the insurance company were very smooth. They sent my money promptly but the mortgage company will not release it. I am so frustrated. I looked up their reviews and they were horrendous. So many people have the same problem I have. Not releasing their money to them. My roofers want their money and there is nothing I can do. This is the worst bank and I have read all of the reviews of people who are going through this headache. Everything I fix a so called problem another one pops up. It is ridiculous. Three times it was for a zip code which the company correct three times. The had the estimate sheet before and now suddenly they don't. I do not think they are every going to release my money to have my home fixed. Hurricane season is here again and I haven't got my money from the last one XXXX XXXX XXXX Please Please help me. I do not understand how this place is even a bank. There is something definitely wrong somewhere to have this many complaints. I just want to get my money to pay for my roof. I have not even started with replacing my fence yet. I know I am going to have to fight for that money also. I am XXXX XXXX XXXX and have never been through anything like this in my life. This is what I pay homeowners insurance for never dreaming I could not use it. HELP

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 2022-06-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have a discover credit card. I got an email from discover saying consolidate debt with low interest rate. I clicked the button to investigate the offer. I entered some info next thing I knew they ran my credit. Ok fine. Then after going through the process I got an email from discover home loans. I was confused. Turns out they werent offering me debt consolidation but rather a home equity loan. I did not want and would not have applied for a heloc. When I went back to the original email I noticed in big bold letters it mentioned low rates and consolidating and in small letters it mentioned tap home equity. I then also noticed that at the bottom Of the email it said the email was about my credit card ending in the last 4 digits. I feel discovers marketing team set up their email to be deceptive pretending this was just a regular loan when in fact they were planning to attach themselves to my home which i co own with my partner. I think they should be more up front and should send emails even introductory emails from discover home loans not under the disguise of my credit card. They purposely aimed to deceive me into applying for what I thought was a regular loan. Then when I emailed them to withdraw the application they didnt and continued to email me to give them more info for my application. I then had to speak to two people to get them to cancel the loan. I shouldnt have to ask twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: FL

Complaint narrative:
You are in violation of my rights according to the 15 U.S.C. 1681 Code, not only do I have a right to privacy, I did not give you written consent to furnish anything on my report. Nor, is the information reporting 100 % accurate and must be deleted. 
There are unauthorized inquiries on my credit report and need to be deleted immediately XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
You are in violation of my rights according to the 15 U.S.C. 1681 Code, not only do I have a right to privacy, I did not give you written consent to furnish anything on my report. Nor, is the information reporting 100 % accurate and must be deleted. 
There are unauthorized inquiries on my credit report and need to be deleted immediately XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America ATM accepts checks for deposit into their financial institution and does not verify if check is fraudulent. 

On XX/XX/XXXX my mortgage loan was paid in full at XXXX. XXXX sent an escrow refund check no XXXX in the amount of {$930.00} dated XX/XX/XXXX to my sold address. The check was deposited into the perpetrator 's Bank of America savings account. ( XXXX ). 

I contacted XXXX asking for my refund check and they sent me a copy of the negotiated check. The check was cashed fraudulently and XXXX submitted a claim on or around XX/XX/XXXX to recover funds from Bank of America. As of this date, no progress has been made to recover these funds. XXXX issued a provisional credit on XX/XX/XXXX of {$930.00} to my XXXX account. That credit is temporary until Bank of America returns the funds to XXXX. 

On XX/XX/XXXX a XXXX XXXX check no XXXX in the amount of {$300.00} was posted XXXXand on XX/XX/XXXX a XXXX XXXX check no XXXX in the amount of {$300.00} was posted on XX/XX/XXXX were also stolen from that address and most likely deposited into the same Bank of America Account XXXX 

I filed a police report no. XX/XX/XXXX with XXXX Police Department. I have filed with XXXX Executive Office Complaint No. XXXX XXXX. 
The XXXX XXXXXXXX XXXX office has subpoena information on this as well. 

I am asking that Bank of America seek the perpetrator and recover the 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 explanation
Consumer complaint received 2022-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account, XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Pursuant to 18 U.S.C, I owe no debt. These companies are violating my consumer right to privacy pursuant to 15 U.S.C 1681b 2. These companies have NO permission to report ANYTHING using my information pursuant to 15 US C 1681 4

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 2022-06-03 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account, XXXX XXXX XXXX  ACCOUNT # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Pursuant to 18 U.S.C, I owe no debt. These companies are violating my consumer right to privacy pursuant to 15 U.S.C 1681b 2. These companies have NO permission to report ANYTHING using my information pursuant to 15 US C 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I had called in 2018 to speak with someone about this debt. This credit card is a store card in which I never opened. I could never fit in the clothes that they sell. It's a plus size store and I am only a size XXXX. They told me that I had no choice but to pay it. 

I had made a payment of XXXX dollars just to get it off my report because they said they would do a pay to delete. They took my money and it is still reading as charge off and not updated to paid at least because it was never deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I normally only use Wells Fargo Bank to pay my car loan and personal loan. Both are almost paid off. I needed a cashier 's check to pay state taxes and my depositing bank is out of state. So I and my husband sent funds by XXXX and check to the XXXX account on XX/XX/22 and early morning ( XXXX AM ) on XX/XX/22. I sent via XXXX {$1500.00} on XXXX and {$1500.00} on XX/XX/22. Two checks from XXXX for {$700.00} and {$6000.00} were deposited on XXXX. About XXXX on XX/XX/22 XXXX and I went to Wells Fargo to get the cashier 's check. I went inside the bank and was able to complete the transaction to obtain the cashier 's check and then go to the post office. 

Today, when I went online to pay my car note I saw that I was {$6000.00} overdrawn. When I called Wells Fargo I was told that the funds hadn't cleared from XXXX 's ( my husband ) account. But, his bank indicated that they had. After asking for a supervisor, I was told again by the supervisor that the funds weren't available. When I asked why this wasn't caught when I physically went into the bank and it should have showed on the bank teller 's screen that my funds would have been insufficient for the amount, the supervisor admitted that " yes, that's true, but... 

I'm upset, and frustrated. I don't feel I'm being treated fairly with this and that this should be corrected on their end. The funds have been disbursed and I should not have to pay overdraft fees, etc... This is not the first time I have felt dishonored by Wells Fargo. When Wells Fargo learned in a phone conversation I had with a supervisor XXXX XXXX years ago that I had changed my depositing bank from them to my present out of state bank, the woman on the phone became haughty and immediately changed the terms of my loans. She didn't even state what the changes were being made. But, I saw where the amount of the personal loan had changed, I don't recall about the car loan. That's why just as soon as the loans are paid off, I am telling them goodby.

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 2022-06-03 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: GA

Complaint narrative:
Erroneous Direct Violation Of The FCRA Professional Debt For two years now Ive been disputing these items I'm getting so angry please please remove these XXXX from my credit report these are fraudulent i file a police report and FTC REPORT TRANSUNION WILL BE SUED and lawyer will be contacting TRANSUNION if these items are not removed in the next two weeks!!!!! 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report.

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 2022-06-03 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: GA

Complaint narrative:
Erroneous Direct Violation Of The FCRA Professional Debt For two years now Ive been disputing these items I'm getting so angry please please remove these XXXX from my credit report these are fraudulent i file a police report and FTC REPORT XXXX WILL BE SUED and lawyer will be contacting XXXX if these items are not removed in the next two weeks!!!!! 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report.

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