vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
someone transferred money from my kids trust accounts to other account that opened under my name without my knowledge and withdrawal the funds. i discovered that end of 2020 but Citi bank said it is too old and they do not want to investigate what happened. I am confident that this person is my ex partner and there other accounts he created to laundry funds under my name.

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 2021-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: NY

Complaint narrative:
on or about XX/XX/2021, {$280.00} was deducted from my checking account without authorization. I immediately contacted my bank at Direct Express Services with Comerica Bank where I receive my federal benefits. Since the initial contact with the provider they have not corrected this issue and refunded my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 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: World Acceptance Corporation
State: TX

Complaint narrative:
This account is fraudulent and I want it removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 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: NY

Complaint narrative:
I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 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: CA

Complaint narrative:
I have an incorrect account reporting to my XXXX  and Equifax credit report. I have tried to resolve this with both XXXX  and Equifax with no response from either companies within 30 days. I have provided proof of delivery below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I ended my forbearance with Suntrust bank as XX/XX/2021 however I still can't prove that to bank which refinances my mortgage. They ask me to get a letter from SUNTRUST, showing that I am out of forbearance, but THEY don't give me that. I called THEM many times talked to many people, nobody was able to provide that letter.The bank statements shows that I make my mortgage payments properly since XXXX till today.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have an incorrect account reporting to my Experian and XXXX  credit report. I have tried to resolve this with both Experian and XXXX  with no response from either companies within 30 days. I have provided proof of delivery below.

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 2021-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Documentation for notice to sue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I have been using XXXX with m & t bank for friends and family that pay me back because i like to go out and eat a lot and lend out money to family and friends, and they pay me back through XXXX because its easier.This is the problem on XX/XX/XXXX M & t bank has taken 2 XXXX transactions from my account,1 transaction of {$790.00} and 1 transaction for {$190.00}, both XXXX transactions, which i thought XXXX transactions are not refundable, i have a lot of friends i give money too, and they pay back through XXXX XXXX someone mightve lied to get a chargeback to get their money back, I have proof.XXXX  doesnt do refunds and chargeback, M & t stripped the money from my account when i have bills to pay, thats illegal i plan on taken this further than just a complaint.I have to get these transactions refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
over a year ago i paid a debt from XXXX XXXX, the debt was taken off my report after 3 months the debt was put back on my report on transunion, XXXX. i sent a validation letter and a cease and diesis to the address reported on my report. i never recieved an answer back to see the address reported is not an accurate address for my letters to be returned to me. i have no way to get in contact with XXXX XXXX, so i called and was told the information will be taken off and it is still reporting i need this blocked n deleted as soonas possible.

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 2021-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I recently applied to XXXX XXXX for auto loan refinancing, but was turned down for the following reasons : - history of delinquent credit obligations or public record items - unacceptable use of funds proceeds ( what the XXXX it means??? ) XXXX XXXX referred me to Equifax as a source of the information, which is COMPLETELY FALSE AND INADEQUATE. 
I had NOT a single late payment or any other delinquency within at least the last 10 years. Two other credit bureaus appraised my credit rating as XXXX and XXXX, while Equifax gives me just XXXX! 
I tried to contact them, but their website and phone system are not designed to respond to complaints. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: A & O Recovery Solutions, LLC
State: TX

Complaint narrative:
I am a victim of identity theft. 
XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX {$1500.00} Both are charges fraudulent

Company response to consumer: Untimely response
Consumer complaint received 2021-07-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony Bank-owned XXXX XXXX XXXX card has been engaging in shady, invasive, illegal business practices that have helped to damage my credit recently. I am seeking for this account to be removed from my credit reports and for the debt to be wiped from their system, to not be owed, due to the damages. Despite my already owning the card, they periodically did soft credit checks into my account to check for credit worthiness -- and penalized me for any negativity. This is UNHEARD of! No other company does this. It is invasive and has to be illegal. In XX/XX/2020, when they did their first check, what alerted me FIRST was that my credit limit on the card was lowered after I checked the app to remind myself of the monthly payment amount. It hurt my credit when they did this because it caused my credit usage to increase a lot more! I called about this and was told by a rep that I would be getting a letter in the mail -- note, AFTER the fact. Their second check was several days ago, which I also was in no way expecting. I happened to get alerts from my credit monitors that there was a closed account on my credit reports. XXXX XXXX XXXX/Synchrony decided to close my account after ridiculously checking for creditworthiness again, as if I were applying for credit or an increase. This is absolutely insane -- and it harmed my credit AGAIN. They have NO right to tell me whether or not I should KEEP a credit account when I have already applied, been accepted, and MADE ALL OF MY PAYMENTS ON TIME. I called, and a rep told me that I would still be required to make payments despite the account being closed. After this move, I demand that this now CLOSED account be removed from my credit reports and they update the balance to {$0.00} OR if it remains on my credit reports, they yet update the balance to {$0.00} in all reports and in their system. It is NOT RIGHT for me to owe them another dime after they closed my account after having excellent payment history. Very nonsensical! I look forward to one of these resolutions being taken care of IMMEDIATELY.

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 2021-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
over a year ago i paid a debt from XXXX XXXX, the debt was taken off my report after 3 months the debt was put back on my report on XXXX, experian. i sent a validation letter and a cease and diesis to the address reported on my report. i never recieved an answer back to see the address reported is not an accurate address for my letters to be returned to me. i have no way to get in contact with XXXX XXXX, so i called and was told the information will be taken off and it is still reporting i need this blocked n deleted as soonas possible.

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 2021-07-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XXXX XXXX violated my consumer rights and discriminated against me I went through the preapproval process and was denied because I was told I didnt have enough assets to cover closing cost amounting to {$20000.00} which funds needed to be listed in one of my accounts which was Wells Fargo I never was preapproved to even get an loan amount for the mortgage consultant to request verification for costing cost when I have no knowledge of the amount I was approved for thats a violation to my consumers rights I wasnt given a chance to provide proof of funds or assets from additional accounts Which I have 3 additional accounts with other banks Which is a violation By law the money for closing cost can be gifted as well I wasnt getting a chance to exercise that right before my application was denied Wells Fargo denied me for a conventional loan that I never applied for they never gave me the option to apply for FHA which I knew I qualified for also mortgage consultant told me multiple times they dont XXXX XXXX to help minorities with closing cost which is false And I even asked could I use my first time home owners grant to help towards closing cost I was told no This is all documented and on a recorded line via Wells Fargo I would like to report this matter and Im also want to seek punitive damages for Wells Fargo discriminating and violating my consumer rights Mortgage consultant XXXX XXXX Home Mortgage Consultant XXXX ID 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 2021-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
Around XXXX I made a Gemini account connected my bank account to the app. It let purchase cryptos. I went through verification process it is XX/XX/XXXX today and still no verification. Over {$200.00} stuck cant transfer out at all. When I try to withdraw or re verify it tells me to wait for an email and keep shopping. Ive tried emailing them directly and get no answer or anything. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Common Wealth Debt Collection in amount of {$1500.00} is a fraudulent collection due being a victim of identity theft. 
I now have fraud alerts attached to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My Name is XXXX XXXX, I work for the XXXX XXXX XXXX XXXX. I was traveling to XXXX from my XXXX in XXXX and tried to use my credit card three times on date XX/XX/2021. The bank closed the account stating that they thought it was fraud, after I paid them XXXX on my credit card. I can totally understand this, but I was talking to the customer service representative and they stated to keep on trying to use the card while I was on the phone with them. Every time the card got declined she said I can see what is happening on her end, she proceeded to reactivate the card and try again. Finally they wanted my live Passport Photo, SSN card photo, Driver license photo and a bill/payment that was in my name. I provide all of relevant documentation to them and they still closed my credit credit, it was the fault of the customer service representative telling me to try over and over when she was trying to see why my account was being flagged as fraud. I got stuck in XXXX because that was the only card I had at the time on me. My balance with the card was in great standing with credit card XXXX balance. Please assist, now my credit went down as well due to the XXXX credit credit being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/2021 I purchased a cashier 's check from my Bank XXXX Bank of America XXXX in the amount of {$400.00} and paid {$15.00} for the check. This check was made out to the Oregon XXXX with the note " Plate Transfer and Registration renewal. '' I sent this check, the registration documents along with a letter to my car loan lienholder ( also Bank of America XXXX with instructions to send all of this along with the title in their possession to the Oregon XXXX to process the registration. They complied except they did not send the cashier 's check. Instead they took the check and cashed it against my vehicle loan. I was not defaulted on my loan and in fact was ahead on payments. For the next XXXX months a Bank of America representative called me weekly asking about the progress of my registration. Both the XXXX and I were at a loss about where the check had gone until we uncovered the above. I can't describe what the bank did -- -cashing a check made out to the XXXX  for themselves -- as anything other than check fraud. They also had me pay {$15.00} for this check on top of it, and delayed the registration of my vehicle.

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 2021-07-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: AES/PHEAA
State: GA

Complaint narrative:
I don't know if PHEAA is federal or private, but they just popped up on my credit reports on XXXX, 2021 with a massive debt. This account is not mine and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
To whom it may concern, Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 U.S. Code 1681 is the same as it is under 15 U.S. Code 1602 ( l ) which is the term credit card means any card, plate, coupon book or other device existing for the purpose of obtaining money, property, labor or services on credit. Notice, Congress said Any card. The credit card is my Social Security card.This is the credit card I used to originate every consumer credit transaction.It should be removed from My consumer report with all Consumer Reporting Agencies : ( XXXX, XXXX, and XXXX ) pursuant to 15 U.S. Code 1681a ( 2 ) ( B ). As a federal protected Consumer I am demanding that you remove this Transaction from my Consumer report immediately with all the Consumer Reporting Agencies, as it is a violation of my rights as a federal Protected consumer under the title 15 chapter 41. 

-Navy Federal Credit Union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app states : Cash App offers standard deposits to your bank account and Instant Deposits to your linked debit card. 

Standard deposits are free and arrive within 1-3 business days. 

Instant Deposits are subject to a 1.5 % fee XXXX with a minimum fee of {$0.00} XXXX but arrive to your debit card instantly. 

I had an instant deposit from XXXX on my cash app debit card and it shows I have a XXXX  balance. XXXX gave me a confirmation number and I know they made the deposit. Cash apps customer service line is always closed. I sent five support emails to them and have had not one response. They are not posting my {$920.00} to my account. It was a direct deposit to the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 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: LA

Complaint narrative:
To whom it may concern, Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 U.S. Code 1681 is the same as it is under 15 U.S. Code 1602 ( l ) which is the term credit card means any card, plate, coupon book or other device existing for the purpose of obtaining money, property, labor or services on credit. Notice, Congress said Any card. The credit card is my Social Security card.This is the credit card I used to originate every consumer credit transaction.It should be removed from My consumer report with all Consumer Reporting Agencies : ( XXXX, TransUnion, and XXXX ) pursuant to 15 U.S. Code 1681a ( 2 ) ( B ). As a federal protected Consumer I am demanding that you remove this Transaction from my Consumer report immediately with all the Consumer Reporting Agencies, as it is a violation of my rights as a federal Protected consumer under the title 15 chapter 41. 

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 explanation