vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I received a notice from Synchrony Bank XXXX XXXX, Florida XXXX XXXX XXXX XXXX. The letter to my address indicated that a person by the name of XXXX XXXX was using my address to apply for a PayPal  Credit Account. No one by that name has ever lived at my address. It has only had two owners, myself, and the person we bought it from. I suspect that someone is attempting to use my address and other details to fraudulently obtain credit accounts. I reported the incident to the United States Postal Inspector, local XXXX, and Credit monitoring agencies.

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 2021-03-26 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: IL

Complaint narrative:
filled police report and ftc report please help fix these issues im having please remove and block the acounts of issue please remove under FCRA ACT 605 B

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 2021-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XX/XX/XXXX - Mailed certified letter asking for validation of debt on 4 accounts. 

XX/XX/XXXX - Certified mail delivered No validation has been received to date ( XX/XX/XXXX ) XX/XX/XXXX - called in regards to debt validation - spoke with XXXX XXXX and another woman, supposedly a supervisor, who refused to provide her name - Supervisor was trying to collect even though it is still within the validation hold time - I decided to humor her and that if they would settle for a certain amount I'd pay. She started laughing and said they wouldn't even take that money 10 years from now. I asked for a manager and was told no one was available and they would have to call me back, but I had also adv they must cease and desist any phone communication and that I would hold. She stated that I can't hold and started laughing again. Then I hung up the call. 

XX/XX/XXXX - I will be sending another certified letter after work this afternoon advising that since they failed to validate the debt as per my initial letter the debts must be removed from my credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
on XX/XX/2020, I hired a moving company to move my things from my about to close home to storage. I was advertised several things, including that paying extra for more movers would save me time, and so would also be cheaper. So I paid for 2 extra movers. The first issue was the truck needed for the move wasn't available, so they came with one too small. The second issue was of the extra movers, at least one of them was their very first day at the job, and wasted a lot of time learning what to do. In short, this is the second time I used these movers but the move took more time, and costed more to go to a storage facility XXXX miles away, than my multi city move with the same company which was over XXXX miles, and half the amount of movers. It was late, I had to close the home and return the keys to the real estate agent, so at the end I had other things to worry about and paid. 

Naturally I tried to discuss this with the company, and the same manager who promised me all this cost savings and efficiency refused to make amends, trying to sell me a discount on my next move instead of fixing my current move. At one point I finally just got ignored, email wasn't replied for several days, I even sent a second email that still received no reply. At this point I decided to turn to American Express, as it was their card that I paid the service with.

I opened a dispute, no one called me, and shortly it was denied. I never was given an explanation, I never had anyone call me for details as I've had with my Visa credit card in the past so I opened a XXXX  complaint. The complaint went nowhere, they reopened the dispute, and shortly denied it once again, someone at corporate called and gave me a lazy answer of something along the lines of " because I received the service, I can't dispute it '' no matter how terrible the service I requested was. I even demanded in email for my legally obligated documentation of why I was denied and a chance to repeal it, and I never got a reply back. I tried to reopen my dispute, and even contacted XXXX again. At that point they seemed done with me so they closed the dispute, charged me for the disputed amount, and closed the XXXX  complaint and left it as " customer dissatisfied. This is possibly my last option.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

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 2021-03-26 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove names and address on attachments FCRA violations

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 2021-03-26 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove names and address on attachments FCRA violations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26 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: NC

Complaint narrative:
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
fraudulent withdrawl that chase refuse to fix please refund the XXXX unauthorized FDIC will be filed if not fixed will File FTC violations also if need to

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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 have told these people that the items they are showing on my report do niot belong to me. I have waited the time frame for them to repsond and it is like they are ignoring me or purposely leaving wrong inforamtion on my credit report which is messing me up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP.
State: OK

Complaint narrative:
My husband and I applied for a mortgage for a manufactured home. We applied with 21Mortgage.com. This process is so flawed and discriminatory. With our income we far exceed the minimum. Our income is more than {$5500.00} a month. I got a call from who XXXX stated that it was because of our car payments, which are not very much. XXXX was very dismissive and rude and I feel that because we were white that is why we were denied. We meet and beat all of their requirement that are on their website. This is not a fair and equal process as stated by the FTC. They were looking for a reason not to be fair and equal under the law. I am attaching their decision and their one and only reason for denial in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/2021 filed a complaint online via Transunion LLC regarding an inaccurate balance on my XXXX XXXX card account as an authorized user. The result, on XX/XX/2021 the account was removed in error by Transunion, LLC resulting in a droppage of my scores on XX/XX/2021 ( please see documents to support my claim ). I immediately telephone Transunion, LLC on XX/XX/2021 to file a telephone dispute. A Transunion representative informed me on XX/XX/2021 to notify XXXX XXXX and get XXXX XXXX to placed the card back on my credit profile. After reviewing my credit profile, both accounts of my XXXX XXXX accounts as an authorized user have been mistakenly removed by Transunion in Error.

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 2021-03-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commercial Recovery Systems
State: CA

Complaint narrative:
On XX/XX/XXXX they called and left a voicemail stating they would take legal action if I dont respond. They then called my mom. I tried calling them to confront but no answer. 

On XX/XX/XXXX I answered and asked why theyre calling me and calling my mom. Theyre claiming I owe from a past debt still which Im pretty sure I dont. 

Regardless, theyre threatening to take legal action, calling me from Texas XXXX I live in California along where the loan was taken ) and also doing it during early ( XXXX my time zone XXXX pretty sure if they are real, they are doing it on purpose knowing Im 2 hrs behind. In addition to this, when I googled them online theyre being reported as fraud.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-26 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:
filled police report and ftc report please help fix these issues im having please remove and block the acounts of issue please remove under FCRA ACT 605 B

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: IL

Complaint narrative:
filled police report and ftc report please help fix these issues im having please remove and block the acounts of issue please remove under FCRA ACT 605 B

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 2021-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX/XXXX/2020, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

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 2021-03-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is related to charge from XXXX on XX/XX/2021. 

It is the second time, in a row, I order food from XXXX that arrives different from I ordered. 
I complained both times, this second time I was not replied to. 

This second time, they put a different sauce than I ordered - not sure if it was a plain mistake, or a replacement. I was never informed my pasta would come with a different sauce. 

It was appropriate to dispute the charge, not just to make it right but so they really investigate this and learn they need to pay more attention. 

First of all, Citibank started asking questions as if food is a merchandise. Food is not a merchandise that can be simply returned. It is unsanitary, food should not be thrown away just because sauce is different ( I don't do that - would you? ), and you can't really expect that after waiting for it, you can just take it back XXXX so they throw away? ) and then wait longer for another dish. 

I answered all questions and then when I answered NO to if I had successfully returned the merchandise (! XXXX, Citi prevented me from opening the dispute. Then, now it blocks me from opening the dispute if I try again. 
Just absurd. 
Very customer unfriendly policy. 
It feels like I'm bothering Citi by opening a dispute, as a cardmember. 

The restaurant made the mistake twice and was not responsive to my complaint ( never reached back to me ). It is appropriate they receive a dispute. 
I have photo of the food if that is necessary. 

Important notice for you, Citibank representative, reading this complaint : I only have one Citibank credit card and only use it when there is an offer like the current dining cashback, because I know how poor Citibank service is. I would never consider paying annual fee to Citi, this bank ( just like this restaurant now ) is not worth a penny from my wallet. It looks like I will keep having just one annual fee-free card and not expanding relationship with Citi. You keep showing me how invaluable customers are to you. Nothing beats XXXX XXXX customer service, that is why I spend thousands in my XXXX card every month, and I'd like to suggest you to use XXXX XXXX even as a Citibank employee. You will receive proper service when needed.

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 2021-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have told these people that the items they are showing on my report do niot belong to me. I have waited the time frame for them to repsond and it is like they are ignoring me or purposely leaving wrong inforamtion on my credit report which is messing me up.

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 2021-03-26 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: CA

Complaint narrative:
I have fraudulent inquiries showing in my credit report. I have no idea where these came from or where I got them from. These inquiries were not made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX did a wire transfer from XXXX bank to XXXX XXXX, XXXX Recipient Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX Routing Number : XXXX Account Number : XXXX Bank Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX : I was wire transferring money into my Binance wallet. Binance has accepted the money but not process the transaction in my account The amounts are {$12000.00} and {$1000.00}. After three days I see they still did not process the money. I sent in a complaint ticket. they asked for a video with me holding an ID to prove account I did. ( day 4 ) Then they asked my husband to verify account on XX/XX/19. He did. Then they asked for copy of the wire transfer on the XXXX we sent it. On Friday the XXXX we got email They keep sending the same email over and over but no resolution. Also sent a complaint to XXXX XXXX as they are the bank holding the money. 

XXXX XXXX USD XXXX Processing from : Wire Transfer XXXX XXXX USD XXXX Processing from : Wire Transfer This is the email that we keep getting hank you for contacting our team! We've received your request # XXXX. 

Please note that XXXX XXXX, will only process Wire Deposits during business days, Monday through Friday, prior to 12:00 PM Pacific Time. Wires Deposits submitted after this time will be processed on the next available business day. 

Failure to provide a reference code in the Message to Recipient or Beneficiary will result in a rejected deposit. If your Wire Deposit has been rejected, it will return the funds back to the sending bank institution under the condition they are able to accept in-coming wires. Please contact your bank for more information. 

However, if you have completed all of the necessary steps but have not received your deposit, please provide us with a copy of the wire transfer receipt provided by your bank, as well as the reference code provided to you by Binance.XXXX. For more information regarding Wire Transfers, please visit our support page : XXXX : XXXX Respectfully, BinanceXXXX Support Team Here are some great articles that may help :

Company response to consumer: Closed with explanation