vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
This account has been in collection since XXXX. With XXXX Collections Reference Number XXXX. TD Bank/Target Red Card. On the day of XX/XX/XXXX I contacted XXXX in regard to three accounts that they are in possession of., but in regards to this account. the morning of XX/XX/XXXX at appox. XXXX CST I called three times. the first I was referred to Target supposedly through this number XXXX. I was told there was no way to pay bill online four times, I asked to speak to a supervisor and was denied access. The CSR said she was an account manger not a supervisor. The CSR stated she would disconnect the call if I did not listen. So I did it for her. then Call The Federal Reserve who then placed me in contact with your Agency. I called your Agency at XXXX CST. and CSR REP gave information of how to file complaint I decided to file on line instead of over the phone. XXXX XXXX XXXX # XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: MS

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: MI

Complaint narrative:
I looked at my credit report. There is one account placed with collection agency. I did not own this account. This seems to be Identity theft. Following is information about account RECEIVABLES PERFORMANCE # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX PLACED FOR COLLECTION XXXX BALANCE- {$1000.00} ORIGNAL CREDITOR- XXXX This account does not belongs to me. It looks someone fraudulently open this account on my name. I already contacted the Credit companies and requested them to remove this account from my credit file..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report 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 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus 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. 250 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 explanation
Consumer complaint received 2021-03-02 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: MO

Complaint narrative:
False info on credit report XXXX XXXX this has had several errors in XXXX it was repoted as public records it is not disputed and changed and in XXXX it was reported as having payment history which its a closed account and has been no paymenr history i dispured they changed that info and claimed it was verfied as acurate which is a lie its not accurate if its accurate why would that info be changed i have disputed a couple other times for errors as well and stuff has been changed they keep reporting false info affecting score and costing me alot of money in extra intrest rates over the years at this point theres only one way to correct thus problem and its to delete the account from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX Acct # XXXX ..XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX  Acct # XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was not notified of a remaining charge on my account that could be disputed and am now being charged {$3700.00}. A letter was never received, and I was not called or emailed by Comenity Bank XXXX Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
FIFTH THIRD BANK Inquiry : XX/XX/2020 XXXX XXXX XXXX  Inquiry : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: Aldous & Associates, PLLC
State: UT

Complaint narrative:
XXXX ACCOUNT- {$91.00} dollars has been sent to collection for a time period I was never a member. This is fraudulent and needs to be removed ASAP. XXXX previously agreed to remove this amount and never took care of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I received an email stating I could go in a local branch to withdraw funds owe to me! When I went earlier they stated they didnt have no information on that. I showed them the email and they still couldnt help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX Inquiry : XXXX XXXX, XXXX, XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2021-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been trying too close a savings account with Citi bank but have not been able too get them too. I have screen shots of them saying they have done this request but it was never completed. In XXXX I had a notice that a deposit was made in my account that I did not make! I called them and advised that I didnt do this or authorize anything. They advised me they sent the deposit back and froze my account with all of my funds in it stating they would send a check. I never received a letter stating this had happened or any correspondence. I am on social security XXXX my checks are put into my Citi account. I requested my account too be updated too a new account however the funds have been put into my frozen account at Citi. This is all the income I have and I have tried several times too get through too Citi I get hung up on and placed on hold then hung up on or told they will call back! I have no access online yet get statements I can access due to frozen status. How long can they hold deposits from the government for? How do I get them to release the funds and close that account? I have tried everything except for going to a physical location with would be several hours from my home. I no longer can live like this what harm this has caused, after looking this bank up online its just theft! The amount of complaints just about the same as mine is criminal and this must be taken seriously. Thank you for your response ahead of time

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 2021-03-02 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: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
My target account is showing a charge off balance of XXXX. This is incorrect. The balance was paid in full and the company agreed to change the status to closed/paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Persolve, LLC - Legal - Series 2
State: GA

Complaint narrative:
Persolve Legal Group Partial Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX ( XXXX ) XXXX This company call me in XX/XX/XXXX insisted that I pay the balance or they will put this on my credit report and make my score go down. They said if I want to avoid this just pay them. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Az XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - XX/XX/XXXX XXXX : paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
I used my coinbase wallet to store a cryptocurrency called XXXX XXXX I was storing XXXX XXXX  worth at the time {$1400.00} USD. Sometime yesterday someone transfered in roughly XXXX worth of etherium then transferred all of my shib out of my wallet. I have it set up to request a pin sent from coinbase to my phone for transfers out of my wallet. No requests were made or received. I have pictures of the wallet addresses that were involved. I suspect it was a coinbase employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: AZ

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone # XXXX Re Loan # XXXX Dovenmuehle Mortgage CO XXXX In XX/XX/2020 we refinanced our current residence and was suppose to get a refund check of {$730.00}. The first check was sent out on XX/XX/2020 to our physical address, not our mailing address, we have never received mail at our physical address, so I was asked to fill out a change of address form and send it in and they would send the check again. The second check was sent out on XX/XX/2020, and again, I waited for the check to arrive, having more patience this time, due to the holidays and COVID. Again, the check did not arrive. I have called multiple times, spending at least 1 hour on hold most times that I have called. I have spoken with several supervisors, who each assure me that they are putting in a check request, or expediting the check request, or checking with another supervisor to see why the process is not going through. All this is documented with the mortgage company! I need some help to get our refund check, and I am out of patience! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Unfortunately, I was scammed. I was purchasing a bag from a seller on XXXX. The seller asked me to text them if I was serious about purchasing. I was. We texted back and forth and so I ended up paying for the bag through XXXX and then paying part of it through Chase XXXX. Reason for two payments was because seller said XXXX takes too much of their earnings so I said I could split two payments to show I was an honest buyer. Turns out it was a scammer. I never received the bag. Yes, I have contacted XXXX. I will be able to recover the funds I paid through XXXX  but I would like to recover my funds from XXXX. I contacted the Chase Fraud department. They said they would look into the situation and get back to me by sending me a message through my account. This was on XX/XX/XXXX. I did not hear or receive anything so I called them today, XX/XX/XXXX. They told me there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I have contacted multiple people at HSBC to close the account yet it remains open. I feel that my account is being used against regulations to promote HSBC 's account rates

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
Its so much on my credit report that I dont know where to begin. From XXXX up to this year XXXX. I didnt know that the debt that was owed was on my credit report. I didnt receive the notice on most and some I did but I didnt know I could dispute it. I also tried contact XXXX XXXX XXXX to dispute the fraudulent transactions they have reported in XXXX or XXXX at that time I was XXXX XXXX and going through a tough time on life when I was physically XXXX due to XXXX. And the other years I was XXXX  to XXXX  and XXXX  physical and so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST HORIZON BANK
State: GA

Complaint narrative:
I applied for a refinance with Iberia Bank. I was told that I was locked into a 3.375 % interest rate multiple times by XXXX XXXX. I signed the disclosures and provided information for appraisal to be ordered to move the process forward. Two days later XXXX ( who previously was so anxious to talk and text ) sent an email stating that she actually hadn't locked the rate and it had increased to 3.875 %. This equates to $ XXXX per month, $ XXXX more annually and over $ XXXX more throughout the life of the loan. While I understand mistakes happen this is one that is completely within Iberia 's sandbox and I shouldn't be penalized from a financial perspective.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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/2021, I wired {$100000.00} to Binance.US from my XXXX account. On XX/XX/2021 I realized the money had not been credited to my Binance.US account, so I initiated a ticket. The ticket is their method of gathering information on complaints and issues. The ticket number is # XXXX. 
I have contacted XXXX. They confirmed the money had left my account there. 
I contacted the receiving bank ( XXXX XXXX ). They could offer no assistance. 

Binance.US only responded once. That was on XX/XX/2021 ... the day of the initial complaint. They asked for the reference number of the transaction, which I provided. Thanks

Company response to consumer: Closed with explanation