vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CNG FINANCIAL CORPORATION
State: UT

Complaint narrative:
I have been trying to work with Check N Go loan company to pay off a payday loan I had with them. Ive called their company about 2-3 years ago and they at first said they didnt have any record of my account/ loan. Then I called back a year later and spoke with a woman who said they sold my debt to another company. She gave me the info, I called that company and they said they sold it to a company called XXXX XXXX or something like that. When I called that company a man answered the phone, he sounded very unprofessional and didnt know why I was calling. He said he was just the answering service and would have someone call me. Well its been 2-3 years since then and no one has called. My family keeps getting phone calls from fake debt collectors, and none of which I could find any information about. They have been rude, demanding me to verify personal info, which I have not. They just hang up on me, tell me not to call them, when theyre the ones contacting my family and me. Ive demanded to get a debt validation letter from them, theyve refused to send me anything. And then the calls will stop, but then start up a few months to a year later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
On XXXX XX/XX/2021 I called to inquire about a debt in collections for a hospital community medical center. I had previously spoke with the hospital who reported that the debt had been paid by insurance and the bill was sent to collections by mistake. I informed the operator ( XXXX XXXX ) about the mistake by the hospital. He reported that he understood. He then informed me that although it was my insurance he could only speak about the debt with my wife ( the individual on the bill ). This makes sense. I handed the phone to my wife and left the room. She provided her details to confirm her identify and then he attempted to have HER PAY THE BILL! He knowingly attempted to mislead my wife in to paying a debt he knew she did not owe. The action of attempting to collect this debt without informing my wife of her right to dispute the debt in this situation is illegal. I expect to hear back from the business and hope that their actions are investigated by the proper authorities so they can no longer attempt to defraud people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
An unauthorized payment was sent on my PayPal account to somebody I do not know using my PayPal line of credit, and they are telling me due to my past transaction history that the payment wasn't unauthorized. This is the second time I've had an issue with PayPal with someone scamming or fraud and both times they were unable to help me get my money back at all. The date this took place was XX/XX/2021 in the amount of {$460.00} charged to my PayPal credit card, the company took close to no action.

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 2021-01-14 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Checking over my credit report and I noticed that some inquiries where on my account I didnt know about. 

XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX/XXXX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX  Equifax Mortgage XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX ID XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX mail XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  I feel like anything posting inaccurate on my report with no info behind it should be removed immediately as my more financial educated friends say the fair reporting credit act. 

Im trying to better myself & this is really hindering me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: PA

Complaint narrative:
Bank account frozen

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB MANAGEMENT {$2600.00} REPORTING FRADULENT INFORMATION ON MY CREDIT REPORT AND FAILED TO PROVIDE ORIGINAL SIGNATURE AND IDENTITY OF WHOM ACCOUNT WAS OPENED BY. ACCOUNT WAS OPENED FRADULENTLY AND NOT MINES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
COLLECTION, CHARGE/OFF ACCOUNTS NEED TO BE REMOVED IMMEDIATELY BECAUSE THERE ARE LATE PAYMENTS AFTER THE ACCOUNT WAS CLOSE. 
COLLECTIONS MEANING THAT THERE SHOULDN'T BE REPORTING ACCOUNT OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: FL

Complaint narrative:
I have entered into an agreement with the creditors. I have maintained my part of the agreement and the credit bureaus refused to update the information on their system. Eventhough i sent them a copy of the agreement and the payment histories

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: CA

Complaint narrative:
In XX/XX/2018 a disputed debt was sent to alco collections by XXXX XXXX XXXX. All details are in attached files. It was removed by two other credit bureaus because alco is impossible to pay or get a hold of. All of my written disputes to alco were returned to sender as well. Experian is impossible to deal with as you can only dispute the debt once and there decision seems to be final regardless of the documentation given.

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 2021-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
( XX/XX/2019 - Mortgage Payment ) At the end of XX/XX/2019 TIAA bank required that I pay my mortgage payments by check for my loan payments. 
In XX/XX/2019 I submitted a payment for my loan using a certified bank check. I hand delivered this check to the XXXX, FL branch of TIAA bank before XX/XX/2019. The cutoff for the mortgage payment is the XXXX. 
The bank then took a week to mail the check to their payment processing center in XXXX. Because of this the payment was received by the processing center after the XXXX and it was marked as late on my account even though the payment was made to TIAA on time and using certified funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have submitted my dispute letters over 30 days ago the company has failed to respond to me. I am very distressed and frustrated. I have included all the violations when sending my dispute letters. Company has failed to acknowledge these violations of section 605 b FCRA. I have attached the copy of my dispute letter sent to the Credit Bureaus and my ID & SSC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: GA

Complaint narrative:
For the last year or two I have been getting repeated calls, emails, and debt collection from XXXX XXXX XXXX/XXXX. They are saying that I owe {$410.00} for service I had with them. I have stressed to them over and over that Ive never opened up an account with their company or never stayed at the address that was provided on file where the service was installed and used. This has become a problem because they keep issuing out the same collection under different agencies for the same revolving amount of {$410.00}. I have sent in documents and disputed the files online through XXXX  but they always come back under a different agency. Also, Ive even went to there website and filed out an affidavit and sent it to the office back in XX/XX/2020, but received no response if the documents had been received on their end { XXXX XXXX XXXX XXXX associated with XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc.
State: FL

Complaint narrative:
I am XXXX years old and I am an XXXX  child of the State of Florida. I was therefore given medical insurance through the Department of Children and Families and Medicaid once I reached the age of XXXX in XXXX. My plan is XXXX. 
On XX/XX/XXXX, I received a letter from debt collectors stating I owed {$1100.00} to a local hospital. The service date was XX/XX/XXXX. I was not asked for insurance information from this local hospital and I was confident they already held my insurance information in my files. 
As of XX/XX/XXXX, this is the first announcement of any wrongful debt I am owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I started my dispute process on XX/XX/XXXX. It is now XX/XX/XXXX and I have no response from the bureaus. I am requesting this inaccurate information that the bureaus were unable to verify be removed from my credit report. By law it has been well over 60 days and I have no response which constitutes removal being that bureaus did not verify my. information. I have attached my letters that were sent to the bureau, a copy of an utility and my license to prove my identity. According to FCRA, if the bureau has not verified this inaccuracy as valid within 30 days then it must be removed immediately. They have had well over 60 days to yield a result.

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 2021-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Checking my report today and I noticed some inquiries that Im not aware of XXXX  Card XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 TransUnion XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 TransUnion XXXX XXXX  XXXX XX/XX/2020 XXXX  Anything reporting inaccurate on my report that has nothing to back it up should be removed immediately because of the fair credit reporting act.

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 2021-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
In XXXX of XXXX I visited XXXX XXXX of XXXX to discuss the terms of a vehicle I was currently leasing from them. I ended up being pressured into purchasing another vehicle ( XXXX XXXX XXXX ). When I drove away in the car, I was under the impression that my new loan would be transferred to the finance company I was working with prior to XXXX, XXXX XXXX. Approximately a week after my purchase I received a letter from XXXX XXXX stating that they will not be financing my new vehicle. Soon after I received a letter from Santander Consumer USA informing me they would be the company financing my new car. It was at this time I learned the interest rates were outrageous. My monthly payment is {$490.00}, yet only {$56.00} of that payment goes toward the purchase of my vehicle. That means I am paying {$440.00} per month in interest alone. I would have never knowingly agreed to those terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alco Collections, Inc.
State: CA

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX sent a debt to alco collections that was disputed. All details are in files attached. There is no way to pay or even contact alco collections and XXXX  will not remove it from my credit even though the other two bureaus have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
My wife and I leased a XXXX from a XXXX dealership in XXXX in XX/XX/2018. We were very up front that we were a active duty family and moved pretty consistently. We were advised that having a lease would not be an issue since all of the fees are paid up front or at the end. Fast forward two years later and my payments went up {$40.00} dollars and no one could tell me why my payment had changed when nothing had changed. This was before XXXX and I finally was able to get an answer after XXXX XXXXXXXX XXXX Day. A rather rude agent told me that my payment had an additional sales tax added to the payment. I told him that should not have happened considering that nothing had changed on my account. Temporarily the address had changed and he claimed that that was the reason. There was nothing he could do but I could contact the tax authority near my home for help. The car is registered through our home state and has been for years. There was no disclosure sent to my husband or I and the statements do not show where the the fees were added or how much. Half of the statements are missing and I have requested them with no avail. All I want is for my payments to be back to where they where and for the company to fix their dishonesty. I will definitely not be buying this car at the end of my term.

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 2021-01-14 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Checking my report today and I noticed some inquiries that Im not aware of XXXX  Card XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 Equifax XXXX XX/XX/2020 XXXX  XXXX XXXX  XXXX XX/XX/2020 XXXX  Anything reporting inaccurate on my report that has nothing to back it up should be removed immediately because of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
I sent Velocity Investments , LLC. a request for validation of a debt on XX/XX/2020 and it was received on XX/XX/2020. This alleged debt has already been paid and I am yet to receive a response from this company in reference to my debt validation request letter pursuant to 15 USC 1692g ( a ) of the FDCPA. They have engaged in deceptive, illegal and abusive debt collection practices.

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 2021-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
Good Afternoon, On XX/XX/2021 I sent XXXX XRP which is the equivalent of roughly {$2000.00} USD to a digital wallet with Coinbase. The funds never arrived. The wallet address I used was correct, but the 10 digit destination tag was incorrect, 1 digit got cut off so only 9 made it onto the form and not 10. I have contacted both the sending platform and Coinbase. The sending platform confirmed this will need to be resolved on Coinbase 's end. Coinbase support responded to my ticket and told me this would take 4-5 to look into. Unfortunately, they are lacking in the customer service department. They have no service phone number, no live chat, and no means to contact them other than the support ticket. They have a small presence on platforms like XXXX and XXXX that are filled with complaints that 2-3+ months later, people 's tickets are still being ignored with not even a simple update being given. I have responded to the email chain asking for an update, and have received nothing. I have asked both their XXXX and XXXX  pages for support, and received nothing. Though it has only been a week, the overall consensus from the user population is that there is no reason to trust their support times / processes / or to even expect a resolution. I am exploring all possibilities from SEC complaints, XXXX  complaint, etc. 

The sending platform XXXX XXXX XXXX which does have a live support, confirmed the funds will be stuck in Coinbases wallet because the tag was incorrect, and that a simple re-route of funds should take less than an hour to figure out. Had it been reversed, and XXXX was the receiving party, they confirmed it would not take long to fix. The issue with the long wait times and reason I am submitting this complaint, is market volatility. I have no control to sell buy trade with these funds until Coinbases credits my account. 


Coinbase Case # - XXXX Transaction HASH ID - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
My reliacard account has been frozen since before XXXX. I have faxed everything I have to prove my identity. Customer service reps keep lying and telling me anything just to get me off the phone. I am facing eviction. I don't know what else to do. Please 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 explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: NJ

Complaint narrative:
I was in a no contract gym memebrship. 

All gyms were closesed due to covid 19. Plus it was not safe enough. Gym was closed for 3 4 months and reopened with limited capacity. I couldnt go in. Lost 3 family memebers to covid. Called the gym and told them that to cancel the service and refund money they said they will but never did. They also agreed to cancel the account but now after 8 month they sed it to collection affe ting my credit. I called collection and the gym but they want me to make a credit dispute with the beareus. I want this off my account and all charges withdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens Bank charged me for a a a Checking account that was never use after I paid off the account I was told that account will be closed and would not go on XXXX  the account is now on XXXX  after being paid in full this account on XXXX  is stopping me from opening others bank account due to the false information still on my XXXX  account I would like to have this information removed off of my XXXX  account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CHARGE OFF ACCOUNTS AND COLLECTIONS NEED TO BE REMOVED IMMEDIATELY BECAUSE THERE ARE LATE PAYMENTS AFTER THE ACCOUNT WAS CLOSE.VIOLATIONS! 
COLLECTION IS A CLOSED -ENDED ACCOUNT AND CAN NOT HAVE LATE PAYMENTS. THIS ACCOUNT IS IN COLLECTION MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation