vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-07 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On XX/XX/2021 I deposited a USPS money order into my account at M & T Bank, XXXX, Maryland. 

Since then I have not had access to my funds as they are not available, even though M & T Bank 's letter of XX/XX/XXXX stated that my funds would be available in five business days. This letter was quite offensive and basically accused me of the unlawful act of passing a fraudulent financial instrument. Moreover, M & T Bank 's app and website both state that my funds are available. 

Unfortunately, I reasonably relied upon M & T Bank 's multiple patently false and misleading statements about the availability of funds my M & T Bank account. These false statements regarding the availability of funds in my account were published in its offensive written communication and on both the app and on the website. Customer service also " promised '' me that my funds would definitely be available on the morning of XX/XX/XXXX. 

Therefore, having a reasonable belief that these false and misleading statements from multiple M & T Bank sources were true, I have twice attempted to transfer funds to my other bank. I am unable to complete the transfers and have received additional offensive emails stating that fraud has probably occurred on my account. All this because I had an entirely reasonable belief, based upon M & T Bank 's false and misleading statements that my funds are available ; and was simply attempting to transfer my own funds to my other bank. I called customer service at M & T Bank and was informed that my funds are not available as a hold has been placed on my funds while M & T Bank does a " fraud investigation. ''

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 2021-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
I am reaching out to you about an unpleasant experience that my company is currently experiencing with First Data/ XXXX  XXXX XXXX XXXX and fraud team in the hopes that you will be able to help resolve it. My company has been using first data merchant service for almost a year now and as of XX/XX/2021 First  data has held all our deposits to complete a fraud review of our account. As of today they now have over {$30000.00} of deposits that have been held for 10 days. We initially received no communication to inform us that this fraud investigation would be happening, why our account has been flagged or how long this process would take. 


We are a small XXXX XXXX XXXX XXXX and can not afford for our cash flow to be held for over a week especially during a pandemic and a labor shortage. 

My Merchant ID for this company is Merchant Id : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft and I have accounts on my credit report that doesn't belong to me. I have discussed this matter with the credit bureaus in the pass couple months and I only received the same results, that they have verified the accounts as accurate but does not send me the consumer information on how or who verified the accounts as accurate. As a consumer I have a right to know who provide such false information because that may be the way this all has started.

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 2021-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Applied for a credit card with Capital One. Received an instant decline accompanied shortly thereafter by information citing delinquent accounts. Confirmed with XXXX, XXXX  and XXXX  that no such delinquent accounts exist within their systems, so the likely explanation is some sort of processing error at Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
THE INFORMATION ON CREDIT REPORT IS INCORRECT. THIS ACCOUT WAS PAID IN FULL IN THE AMOUNT OF {$24.00}, XXXX ON XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THE INFORMATION ON CREDIT REPORT IS INCORRECT. THIS ACCOUT WAS PAID IN FULL IN THE AMOUNT OF {$24.00}, XXXX ON XX/XX/2016.

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 2021-07-07 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: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX of 2020, I noticed an alert via my credit card 's credit monitoring service stating I had an auto loan go into delinquency. I thought this was odd as I only have one auto loan and it is paid meticulously. After further investigation, I found there was a loan on my credit report by Lobel Financial at XXXX XXXX XXXX XXXX, XXXX, CA, XXXX. The fraudulent account is in the amount of {$5700.00} and upon initially discovering the account, I immediately submitted a dispute via XXXX. The dispute claim is now complete and instead of erasing this fraudulent account from my credit history, Lobel Financial simply charged off {$3700.00}. This is unacceptable as this is not my account. After these results came in, I called Lobel Financials Legal Department and they stated I could have the account removed by supplying a police report and copy of my credit report showing the fraudulent account. After sending this information in, they sent me a letter stating I needed to submit an identity theft victims complain and affidavit via the FTC. I am now about to complete the FTC complaint but I wanted to also file a complaint here to ensure this issue gets reported properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
hello I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
THIS IS A FRAUD LOAN. I NEVER OWN THIS LOAN, YET IT KEPT SHOWING UP ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Incomm Holdings Inc.
State: KY

Complaint narrative:
Called the contact center at XXXX on XXXX XX/XX/2021 and asked why I was receiving a card I never asked for. It is being advertised as a Prepaid Visa Card and asking that I transfer my deposits to this card. I am concerned that my credit score could be affected by this and that someone is trying to ruin my credit. MyVanilla company insinuated that this card was requested by me and they had my information when I was asked to verify. This also concerns me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: MI

Complaint narrative:
Sunday XX/XX/XXXX my XXXX kids received Netspend cards with {$25.00} each as reward for chores. When attempting to activate card was told I needed to provide picture of driver license, social security card, and piece of mail to them. The info was provided reluctantly after questioning why such documents are needed for {$25.00} gift card. The info was submitted and activation was still refused for the 2 cards. We then asked for a refund to my brother in laws account for the cards, which was denied. They offer to send a check to me, after a {$5.00} fee paid to them. This is with 2 separate cards, the same thing happened. 
Card # 's XXXX and 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 2021-07-07 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I opened an account ( that I pay monthly for ) last year with Equifax because ( probably due to their breach a few years ago ) someone used my maiden name and social security number to open several fraudulent accounts at XXXX XXXX  ( that issue was resolved -- just for the record, though, it should be illegal for anyone to open a bank account on-line ). 

Anyway, my information with Equifax was correct when I opened the account last year. It showed my married name as current and my maiden name as former. When I checked my account in XX/XX/2021, I discovered Equifax had switched them ; it showed my maiden name as current and my married name as former. I dont know when or why it was changed. 

On XX/XX/XXXX I called Equifax to notify them they had the wrong name on my Three Bureau Credit Summary. It showed my maiden name rather than my married name. I've been married for twenty-nine years! I mailed information to their address in XXXX, Georgia to correct the problem. On XX/XX/XXXX, I checked my account again and it still showed the wrong name. I was told they never received the documentation and letter I sent. 

I had great difficulty getting through to the company. They keep dropping my calls. When I was able to talk to a person, I informed them to checked the 3-credit bureau summary because the the other two credit bureaus had my correct name, my married name. OnXX/XX/XXXX, I was told by Equifax to submit my documentation through my account on their website. I did so. I sent everything they asked for and they said they would investigate and resolved the issue. 

Well, when I checked my account yesterday, they said the dispute had been resolved, but my name is still incorrect! I called them again today, XX/XX/XXXX, to give them one last chance to correct their error. I get lots of meaningless apologies and dropped calls. 

These Credit Bureaus want to be the Masters of the Universe -- They want our entire lives in their hands. Is it too much to ask that they get my name right! 

I'm at a loss as to how to get this corrected. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am a current victim of identity theft, Transunion, XXXX, and XXXX  continue to report fraudulent activity on my credit report. XXXX XXXX, XXXX XXXX XXXX ( {$830.00} ), XXXX XXXX ( {$440.00} ), XXXX XXXX ( {$330.00} ). FTC has been filed in XXXX of 2021, they did not comply within the 5-7 business days according to federal law.

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 2021-07-07 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
The 3 credit bureaus XXXX XXXX and Experian, continue to report personal information without written consents even after multiple attempts to remind them about security freezes on these accounts and//or profiles of me contained in their files or databases. I am kindly asking you as a government trusted agency to protect consumers and how information is used by these entities whether legally or illegally.

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 2021-07-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
XX/XX/2021 i believe my account was suspended due to suspicious activity i was told provide documentation ID ( 2forms ) I complied with everything never heard back from Chime I've called numerous times sent emails have 4 complaint ticket numbers alone with chime and all ive gotten from them is an automated email letting me know absolutely nothing it is now XX/XX/2021 and I'm yet to hear anything I've been told that were putting you at the top of the list Mr for this to be resolved nothing im getting evicted from my home i have all the emails I've sent to chime I have all my ticket complaint numbers they are so unprofessional when it comes to humane kindness this matter should have been immediately followed through with I've been thorough alot of pain and suffering through the pandemic like everyone else but along with this my rent due kids in the house hungry just hard times

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Closing Date set multiple times. After third try to refinance my house so I could take cash at closing to replace my roof, the company said I would have to repair the leak in my roof and pass inspection. This information was never disclosed as the closing date and documents of the refinancing were downloaded and approved by my wife and the closing date was scheduled. Now they want to change the rules after I already paid the appraisal fee and credit report fee. All I wanted to do was replace my roof before hurricane season, which was completely out of pocket. A manager has still not got back with me on how to proceed. I have been a customer with this company for decades.

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 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$470.00} Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX I received an email offer from CitiBank with an American Airlines AAdvantage miles bonus when for opening a MilesAhead savings account. The mileage bonus was based on the amount deposited in the account. The offer specifically stated that the funds needed to remain in the account for 60 days. On XX/XX/XXXX, I opened the account and immediately deposited {$50000.00} which related to a XXXX AAdvantage mile bonus. On XX/XX/XXXX, I contacted CitiBank at XXXX XXXX ) XXXX to verify with the representative that I met the terms and conditions because I needed to withdrawal most of the money sometime in XXXX. The representative ensured me that I did meet the requirements and that I would receive the bonus even if I withdrew the money that day. I am sure of this because I asked several times. I then withdrew most of the XXXX on XX/XX/XXXX. I then made several calls during XXXX and XXXX to inquire on the status of the bonus miles. On each call, the representative reiterated that the miles would be credited in XXXX. On XX/XX/XXXX, I called the above number and the representative stated that the miles would be in my AAdvantage account by XXXX on XX/XX/XXXX. I called again on XX/XX/XXXX to open a dispute because I did not receive the miles. The dispute was denied because I did not retain the funds for 90 days. On XX/XX/XXXX, I called to inquire about the dispute and XXXX stated that I did meet the requirements but there are many different offers and they were in error. She also stated that she would send me an email which I never received. I phoned again on XX/XX/XXXX and the representative told me that they did not start counting the 60 days until 30 days after I deposited the money and I did not qualify for the bonus. If this were the case, why didnt the representative tell me this on XX/XX/XXXX? I would have retain the funds for another four days. I had no reason to believe that the funds needed to be there for 90 days when the agreement stated 60 days. I am not able to get CitiBank to address this issue beyond the first level support.

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 2021-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
In XXXX I purchased a XXXX  XXXX wave runner in which I received a loan on a 9 month no interest no pay loan. Loan of {$8600.00} to be paid back by XX/XX/XXXX. Loan was from GE Money Bank.

7 weeks ago I sold this wave runner to someone which neither of us saw the lien holder on title, so in Missouri the new owner cant get a new title until I get a lien release from this bank. GE money bank is now under control of Synchrony Bank. 

I immediately called Synchrony Bank to get lien release. Of course in older loan. But I faxed to them the statements I received at that time from GEMoney bank plus 2 canceled checks showing I paid this off in full on XX/XX/XXXX. Plus provided them copy of original title and my contract information including address, cell number and urgency in receiving this lien release. To date have heard nothing from Synchrony Bank. I tried calling the title release department at XXXX option 3. Have left at least 10 messages with absolutely no response from them. I pressed option 1 at same number which they provided me with a request ID # XXXX which they tell me still says processing. I get different answers from different people I talk to at this bank. I have been waiting long time and feel they are not doing anything about my issue. Since I provided them with all information they could possibly need plus the checks I paid this off with should be simple to do. I need 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 non-monetary relief