vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-16 00:00:00
Product: Credit 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My wallet was stolen from my office about XXXX XXXX on XX/XX/2023. A police officer came and made a report about XXXX minutes later. Once the police left, I immediately notified all of my credit cards. Upon talking to my Old Navy Credit Card, sponsored by Barclay 's, I was informed someone had just made a puchase for {$44.00} at a mall about 15 minutes away. I was told it would go into review and the charge would be removed from my account. 

On XX/XX/XXXX, I received a letter saying that because chip card technology was used it must have been in my possession and the charge was valid and being put back on my account. 

At that point I called the number on the letter and was given an ID number, case number, and an address to send by regular mail a letter and a copy of the police report. They did not give any option to submit electronically. So, I immediately put a letter with the police report in the mail as directed. 

I just received a letter dated XX/XX/XXXX stating that because I did not provide proof, they are reinstating the charge plus interest. 

I called today and was told their system wasn't working and they can't help me, I should call back some other time. 

I have to paperwork to prove the card was not in my possession at the time. It's very easy for them to state they didn't receive if my only option is snail mail. This is bad business to not respond to customers, and to not give us a way that proves we sent our proof. How is this legal? I would like my refund.

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 2023-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: IN

Complaint narrative:
I made all the payments yearly and paid XXXX dollars to open the account.I don't have very good credit this is the reason why I open the account and now they are charging me {$70.00} they say I still owe I never received a credit card from them they sent it to wrong address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
In XX/XX/2023 I upgraded my cell and ever since then coinbase system denied me doing any trade, transfer, withdrawal or any transactions with my account and all my crypto. 
When I contacted coinbase several times via call, chat and email asking why I'm unable to do anything with my crypto and nft 's I have in coinbase and coinbase wallet It's constantly the same conversation every time I tried to get answers and access to my crypto and NFT 'S ... I get put on hold while they review my account and they say, ' Seems this is already being looked at by the next level department and they'll escalate it ' or similar to that.

When I ask, every time, why is this happening I keep hearing these words.

Only once did they say that I broke thier rules and can no longer do any trade with them.

then I ask, what rule did I break? They don't give me that answer. They said I'd get an email after further review and the email states something like... we agree with the original decision and the ruling stands. 
They finally did answer via email in XX/XX/2023 but the information they stated about me being in OFAC is false!! I live and always have lived in the USA! so no idea why they think otherwise Again, no way for me to get them to correct that... they wont I have a very low total XXXX never went over {$1500.00}. N now it's only worth just under {$600.00}. I'm a XXXX woman and really need that money back and I don't want to be forced to transfer the crypto vs sell off n close out because the fees would wipe out what funds I have. That was thier original suggestion to me but since have cut that off too.

I need my money back and don't want to transfer crypto. I want to have them sell off all my crypto for USD n then transfer the USD to my bank account linked to my coinbase account. 

It's beeXXXX months now ... they closed my initial complaints in XXXX XXXX the others so thats why there r several case # 's No idea. I just need my money back asap The email from XX/XX/2023 attached here, where coinbase states I'm in a country that the U.S. OFAC sanctions country and they can't do business with me. 
I LIVE IN XXXX XXXX XXXX PENNSYLVANIA XXXX XXXX so iveno idea why they're stating I live in an OFAC location. My ID n all I used to kyc with them shows that. I live in my existing home for 24+ yrs and still do. I'm XXXX and can't even go outta the country physically I've attached 10 screenshots of emails from coinbase proving this has been going on since XX/XX/2023 but that kept closing the cases so I'd have to start another because they didnt solve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
To whom it may concern, On XX/XX/2023 I received a phone call from someone claiming to be with Wells Fargo. They said that I had some unapproved charges on my account and asked if had made them. I said no and they sent me a link to click on for account verification. I did and it would never load so I cancelled after about a minute, I told them to call me back after XXXX XXXX since I was at work. They did call back explaining how I needed to give them my PIN number so it could be changed so my account would be safe. I did not give my PIN number, I found this very suspicious. On XX/XX/2023 I received an email from Wells Fargo about a wire transfer ( {$22000.00} to a XXXX mobile detailing ), I immediately called XXXX to state that I did not authorize a wire transfer from any of my accounts. I then received a text message saying that the transfer had been cancelled. Case # XXXX was then opened with the fraud dept. I checked every other day to check the status and was told the wire transfer went to a XXXX XXXX XXXXXXXX and the money was requested back. I called XX/XX/2023 and was told that XXXX XXXX XXXX showed a XXXX balance and that they had no money to send back, so my money will not be refunded to my account. I spoke with XXXX with Wells Fargo Fraud Dept. and she explained to me that I need to write this letter of Appeal for the new case # XXXX. I still have the Emails and the texts from the numbers that I have already reported. I hope this issue can be resolved and the money be deposited back in my account.

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 2023-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: KY

Complaint narrative:
It required a previous CFPB complaint to get Aidvantages attention to assist me in enrolling my loans into auto pay. Now, although my loans claim they are in auto pay, payments are not being made when my account claims it will do so. I am worried about making a manual payment since I dont know if the auto payment will be made or not. In my last CFPB complaint, I noted that calling Aidvantage would always leave you with a voicemail inbox that couldnt accept messages and it would hang up on you. I have now been on wait for more than an hour today spanning two different calls to Aidvantage. They did not fix the voicemail inbox issue, they just removed the voicemail inbox all together. Now you are just on hold with no indication of ever actually speaking to anyone. I just want to pay my loan and trust that the information provided to me by Aidvantage is accurate. Aidvantage is not permitting me to achieve either of these goals.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Dear PayPal Team, I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the permanent limitation placed on my PayPal account, associated with the email address XXXX. I believe this limitation was imposed in error and wish to appeal this decision. 

First and foremost, I would like to emphasize that I have always strived to adhere to PayPal 's policies and guidelines diligently. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action. I value the trust and reputation of PayPal and have consistently used the platform responsibly. 

Given the gravity of this situation, I kindly request that PayPal re-investigate my case thoroughly. I am hopeful that a closer examination will reveal the absence of any policy violations on my part. It is my sincere desire to resolve any misunderstandings or issues that may have led to this unfortunate limitation. 

I understand that PayPal must maintain a secure and trustworthy platform for all users. However, I firmly believe that my account has been unjustly affected, and I request a fair and impartial review. 

In conclusion, I respectfully appeal to PayPal to reconsider the permanent limitation placed on my account. I am committed to cooperating fully with any investigation or verification process that may be required to restore my account to its rightful status. 

Thank you for your attention to this matter. I look forward to a fair resolution that allows me to continue using PayPal for my financial transactions. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The following accounts below are in questioned : XXXX XXXX with account number XXXX Each bureau reports a different date of last activity I disputed with the collection agency and they said they don't have record of this account XXXX XXXX  with account number XXXX 3 different dates listed under " date of last activity '' Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. 
The collection agency didnt send me anything to verify this account, so how did you verify it? 
Wheres the documentation? Unless you can furnish the signed documents that legally verify this account, it needs to be removed immediately. 
I need to see all paperwork associated with this account. 

XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Each bureau reports a different date of last activity Please send me all business and transaction documents to prove that this account was legally verified How can this still report on my credit when I notified you that it was paid and they said theyd remove it?

Unverified and illegal reporting, remove immediately My consumer rights, as outlined in 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), explicitly state that transactions between me and the reporting entity should not be reflected in my consumer reports. Strangely, Experian, XXXX and XXXX seems to have overlooked this provision and is reporting information that should be excluded. This oversight amounts to a blatant violation of Metro2 compliance. I request immediate access to the Metro2 compliance disclosure pertaining to the reporting of transactions to consumer reporting agencies.

I am not interested in validations or verificationslet 's clear that up right away. My concern lies in the erroneous reporting of transactions, such as late payments, collection/charge-off status, and other derogatory details, which need to be expunged from my consumer reports without delay.

Adding to the complexity, some negative accounts have been categorized as Collection/Charge-Off Status without the courtesy of receiving IRS form 1099-C Cancellation of Debt. This is not only irregular but also a violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. 

Should this derogatory account information persist on my consumer reports beyond the next 30 days, I will be left with no choice but to submit an official filing with the Internal Revenue Service. My action will involve IRS form 3949A : Information Referral and IRS form 211 : Application For Award For Original Information Overview against all entities involved. I trust you understand the urgency and gravity of rectifying this matter promptly.

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 2023-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Brightfunders, LLC
State: WA

Complaint narrative:
This is regarding the property located at XXXX XXXX XXXX XXXX XXXX WA, XXXX. {$80000.00} in insurance proceeds being held by Lower LLC and now XXXX should have been dispersed to me when requested in the middle of XXXX. I have been waiting two months to receive the funds for a process that should have been completed within a week. For some context/background : This loan was previously with Lower, LLC and was transferred to XXXX, XXXX XXXX. I had a burst pipe in XXXX at the house which required extensive repairs and mitigation. My insurance company ( XXXX ) wrote a check to myself and lower LLC back in XXXX. Lower then dispersed $ XXXX to me to begin the project. The project was completed in early XXXX and I paid for all remaining repairs out of pocket. I ordered an inspection through Lower LLC at the beginning of XXXX. It took over two weeks to even get a response from an inspector who wasnt going to be in my area until the middle of XXXX. The inspector completed the inspection on XX/XX/XXXX evidencing the project was 100 % complete and sent that report to lower. I followed up with lower a few days later to inquire about my funds and was informed, they couldnt find the inspection. After speaking with a supervisor, they managed to find the inspection and were going to overnight me my funds. Nothing arrived so after a few days I called back to then be informed they also needed an updated adjusters report as well as lien waivers ( without my prompting I can only assume they would have done nothing ). Both were sent to lower the same day. Adjuster sent them an email directly on the same day as well. On XX/XX/XXXX, they had everything they needed to send me my funds. 13 days later my loan was sold to XXXX, still no funds sent to me. 

I now call provident and am informed that they do have my funds, but none of the accompanying documentation. I was told I should just continue to wait and eventually Lower will send over the documents and XXXX will process my payment. Obviously, that hasnt happened, and XXXX has not received the documents from lower. I have called lower LLC many times with no success of gathering the information required to have my funds disbursed to me. They no longer take phone calls. 
This has caused financial duress as they have held {$80000.00} in funds for over two months now in a process that should take less than a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
After a hail storm destroyed my hot tub, XXXX XXXX XXXX quoted a price of {$10000.00} for the XXXX model hot tub, which included free delivery. 
I authorized XXXX XXXX XXXX over the phone to charge my Chase Visa card for the DEPOSIT to proceed with the delivery on XX/XX/2023. I later found out when I received my statement that the merchant had charged me {$13000.00}, which included {$2900.00} in incorrect charges please see the attached spreadsheet, which I had sent to the merchant numerous times. 
The merchant, knowing that the hot tub purchase was from an insurance claim intentionally and fraudulently overbilled for services that were not delivered or not contracted for, including : Process and evaluation Remove and replace, although free delivery was quoted and promised Electrical work that was not done nor needed Delivery by XXXX, which was included in the free delivery. 
XXXX breaker XXXX XXXX XXXX, which was not needed and not performed Charged {$11000.00} for a hot tub that was quoted at {$10000.00} I disputed the {$2900.00} in overcharges with Chase Bank. Without investigating or requesting my documentation, Chase Bank resolved the fraudulent charges in favor of the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XXXX XXXX I spoke to a lady named XXXX  XXXX And was told that there is no or never have been a XXXX form for me and that the only thing I can to is pay cash

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 2023-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Apparently my loan was sold to Truist 5-6 months ago. I don't know when because I was never notified. My auto debit mortgage payment that was on autopay for the last 7 years was automatically cancelled. 

They have placed my home in foreclosure! Never got a call, never got a mail, never got anything from anyone. Truist says they can not give me a payment amount, they refer to me to attorney, the attorney refers me back to them. I do not want my house foreclosed over this error. 

ALL I WANT IS TO GET MY ACCOUNT CURRENT AND RECTIFY THIS ISSUE PLEASE CONTACT ME 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 2023-10-16 00:00:00
Product: Credit reporting 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-16 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions extra credit union

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 2023-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Requested XXXX repayment plan. Submitted application was approved. now got notice it was denied. Said I filled out an application for a XXXX loan. I did not. I do not have.that loan type First my XXXX loan forgiveness was denied now this. 
I get conflicting information I was told I qualify for the XXXX loan forgiveness then not I was told the XXXX repayment was approved. Now not. 
Do not believe nor trust that they k is what theyre doing. Besides confusing explanations even for me with a XXXX XXXX. None of it makes sense nor can be understood I get information when I speak to service agents. Numerous times Then I get denied Perhaps the idea they have in mind

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
This promissory note has been discharged and this company refuse to remove from credit report, a 1099c has been sent from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I deposited the ( CHECK from XXXX ) thru bank of america thru mobile deposit, suddenly after waiting for 5 business days, waiting for the check to be cleared, they told me the check is counterfeit and they gon na close my bank account for fraudulent action, its tottaly unacceptable and unfair, if its true that the check is real or not, how do i know? Literally ofcourse if somebody pays you a check, you gon na deposited to your acct, its not my fault to deposit a counterfeit check if its true, and i know the fraud department calls the check issuer to verify information of the check, so im so dissatisfied with the bank of americas action on just closing my account whatever reason they have, i just wan na return my account active coz i got salary from my jop thru bank of americas check

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