vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-17 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: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
ON XX/XX/XXXX I PAID THIS ITEM THAT WAS IN COLLECTION, I PREVIOUSLY SPOKE TO THE COLLECTION AGENCY AND HAVE EXPRESSED DOUBTS THAT I OWE THIS AMOUNT OF MONEY FOR A PHONE I PREVIOUSLY HAD. DURING THIS TIME, MY GRANDMOTHER AND GRANDFATHER WHO RAISED ME DIED IN XXXX AND XXXX RESPECTIVELY. ALSO MY AUNT DIED THIS YEAR IN XXXX, WHO I LIVED WITH AND EARNED INCOME FROM PROVIDING HER CARE. THE AGENT FROM THIS COMPANY TOLD ME SHE WOULD SEND CONFIRMATION OF THE BILL, HOWEVER I NEVER RECEIVED IT. WHEN I CALLED THEM ON XX/XX/XXXX TO PAY IT, THEY WERE RUDE AND NASTY AND SAID THEY PUT IT ON MY CREDIT REPORT ON THAT DAY. I ASKED THEMSINCE IM PAYING IT THIS DAY WHY WOULD THEY PUT IT ON AND THEY STATED THAT THEY COULD THOUGH I NEVER WAS GIVEN A CHANCE TO DISPUTE THIS ITEM

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: DC

Complaint narrative:
I checked my credit file for all three-credit bureau, and I notice this debt or collection account does not belong to me. This company is listed in collections and I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am no longer receiving unemployment income. I do not have any means to make the monthly payments that have already been lowered however I no longer have funds to send them for the minimum monthly payment. If I receive any assistance from the government, then I will be able to make an effort to send them what I can. I currently do not have anything to send them and they will not defer any more payments. They asked me to call XXXX  XXXX however they would not defer any payments either. They were going to increase my interest rate and offer me another payment plan. That's not an option for me right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I have now tried for almost a month to verify my paypal account email. It is not working and when you contact paypal customer service they just send you the same email and then tell you to call an automated system that then hangs up on you and tells you to send them a message. I asked for a callback and when I stated I did not get a callback. the person called me and immediately hung up then sent a message and said we tried to call but couldn't reach anyone. I explained to paypal that I can now not receive a payment because paypal is stopping it because my email isn't verified. 
Despite my email not being verified though. Paypal has allowed me to add multiple bank accounts, change my password ( with the link being sent to that email ) use paypal to make charges and sent me a paypal debit card. But now when it comes to receiving money I can't receive it because my email isn't verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have a Venmo account that I use often to send and receive money from friends. Most of the time I use the credit cards that I have associated with my account because this is more convenient for my cash flow. I recently tried sending payments from my account that is in good standing using one of my credit cards that is in good standing and has plenty of available credit. It was declined without reason. I thought it was odd and tried using another credit card I have saved in the venmo account. It was also declined without reason. I reached out to support for help and they let me know that they can not override a system decline and that it happened randomly to protect me. I let them know that it makes no sense and why do they allow people to use credit cards on the platform if they are only going to decline them. How is it alright to rely on a service for that service to randomly decline your transactions without reason? In the chat with XXXX XXXX on XXXX I was basically told that although my account is in good standing that they can not approve my transactions. This makes me feel like they are using discriminatory practices to manage transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
I'm a desperate consumer. I don't know what else to do to get a response from Barclays. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

I thought the account was closed, as I couldnt login to account. The card he had was expired, I thought I was getting a replacement card. Then an {$89.00} annual fee came on and I ended up being over 90 days late. I wasnt even aware of this fee. 

This company has been reporting wrong information. 

Barclays has been negligent. They have committed the following actions, which are considered busines ' violations.Unfair business practices, Failure to provide adequate customer service, Breach of contract, Negligence, Violation of Cares Act. 

Account : # XXXX, Date Opened XX/XX/2000, Balance {$390.00}, Credit Limit {$40000.00}. 

I WANT THE LATE PAYMENT CORRECTED AS A COMPENSATION FOR ALL THE DAMAGES THAT I HAD TO GO THROUGH. 

Please sed the attached documentation to this company. 

Thank you.

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 2020-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have filed numerous disputes, I have also been locked out of my XXXX and XXXX online accounts. I have not used credit in years as I was incarcerated. I have looked into and sought legal help since. I filed disputes with no luck. I am submitting this information in hope that the companies receive the information and update the reports 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 2020-12-17 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: PA

Complaint narrative:
I would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 46 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 46 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
This is a two part compliant. 
One ; during the shutdown, Freedom Mortgage, CEO & President sent out an email advising me that due to the pandemic any late fees incurred during said month would be waived. However, none of these have been waived. 
The only income my husband & I receive is from his employment & my business. Well as you know, 2020 has been a year of lack. So during the shutdown, we did not receive any income what so ever. For 6 weeks we had XXXX money coming in. Unemployment finally came but not until sometime in XXXX & we are still waiting on the remaining. And this was only to supplement my husbands income. We still had to pay our Business Bills on top of our home. 
We also did not receive the " Stimulus '' money like everyone else. We didn't get it until a few weeks ago. So a Hardship is defiantly an understatement. 
I have called many times & requested these late fees be removed as I was told they would before they were incurred. 
Still No One Ever Removes them. 
TWO- Freedom Mortgage did an escrow analysis in XX/XX/2020, using incorrect numbers. This caused a great increase in my mortgage payment. I called and argued many times. I explained they were using figures based on homeowners insurance I no longer had ( I got a cheaper rate ) & Taxes that had been appealed. 
Freedom Would Not budge. So I waited until after they paid my HOI & Taxes, having a very substantial amount left in my escrow, I called them again, & Requested YET another escrow analysis. I stressed that I need this money, I am struggling to keep my business going & my home. I was advised it would be available in 10 days -2 weeks. Well no one ever contacted me, and today when I called, I was advised I would not be given the analysis, " Just Because ''. Nearly {$1000.00} in my escrow account, MY MONEY, I need it & they will not give it back. There is no reason to keep OVERCHARGING me, when I am struggling. I don't want to refinance my home. I want my money, I want you to stop overcharging me. I want you to pay me interest on my money, just like you charge me. 

Freedom Mortgage is not honoring what they say.

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 2020-12-17 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: FL

Complaint narrative:
Fraudelent credit card account was opened by TDBank XX/XX/2020 under my name with different email address and phone number. In applying to refinance a past due account I found this on my credit reports. I have no knowledge of this account. I have filed complaints with credit bureaus and TDBank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/2020 I received an email from Capital One : We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. 

We may contact you to confirm this activity. Based on the results of our review, your account ( s ) may be closed and your balance - plus all interest earned - will be transferred to your linked external checking account. 

*All phone conversations below I have saved recordings that I can send per your request* XX/XX/2020 - I called the number provided in the email and spoke with an account specialist that informed me my account was suspected of fraud and asked me to verify some recent XXXX transactions by providing them a name and phone number for the people I had transactions with. After I provided them with the information requested, the account specialist claimed that she was not able to hear me which eventually led to the call being disconnected. 

XX/XX/2020 - Contacted the same department and the representative informed me that Capital One will no longer offer me banking services now or at anytime in the future with no further explanation. She assured me that my accounts will be closed and a check sent for the balance in each account. 

2 Checking accounts 1 Savings XX/XX/2020 - I received two checks in the mail ; one for my savings account and my secondary checking account. My main checking account with a balance of {$4400.00} was not included. So I assumed it would be sent separately and was anticipating it in the coming days. 

I called 3 times between XX/XX/XXXX and XX/XX/XXXX and I was always transferred to a voicemail. Left a message and never was never contacted. 

XX/XX/2020- Called the same number and this account specialist was about to transfer me to that same department. I asked him when this department was open because it has always been a voicemail in the past. He explained that it is always a voicemail on this line - He literally says there is no one that can help me. Ended up transferring me to a manager that ultimately transferred me again where I was placed on hold for an hour before I finally hung up!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Out of the blue my 9 : year mortgage payment with Wells Fargo went from XXXX, to XXXX. In XXXX. There was no notice or update sent. Wells Fargo have given 3 different explanations, escrow. All of a sudden it just was taken from my account. One person said there was XXXX to bring it up to date and another said XXXX. Well that doesnt equal the XXXXx12 which is $ XXXX per year. What is going on? How do they just take money without informing us of the difference.

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 2020-12-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
Due to the corona virus my job allowed us to go into our retirement money and take out whatever amount we need to survive. Due to the fact That I was already having mortgage issues I requested a 15 payout amount of my mortgage and I sent that amount on ( over {$30000.00} ). While waiting on my title to my house I received another letter from the mortgage company telling me that my money has been placed in other areas ( escrow, insurance, etc ) and that was not the intent. From the date that they received my money if I owed them anything else they should have said so. PHH MortgageXXXX  XXXX XXXX XXXX, NJ XXXX. Loan Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I contacted Exeter finance concerning a paid off account since XX/XX/XXXX. I was told that there is nothing they can do about it and they can't take it off my credit report. I can't get a mortgage loan due to this account. The company could not help me with this unfair situation. Right now the account is paid off and they can't still do nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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.

Complaint narrative:
Hi my Coinbase account and Coinbase wallet hasnt worked properly since day two that it started and I have emailed and tried calling 5 times leaving messages because they promise to call you back but never have Its been 5 days and nights and I cant get my money into my Coinbase card which means its stuck in Coinbase wallet and I could lose it all if the funds crash as they often do I only get an email saying oh were dealing with it and will contact you immediately but 5 days and nights no help no support at al Its very unprofessional but ile bet big players are getting their money ok

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am a victim of identity theft. A fraudulent account was made in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17 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: SC

Complaint narrative:
I have filed numerous disputes, I have also been locked out of my Equifax and XXXX online accounts. I have not used credit in years as I was XXXX. I have looked into and sought legal help since. I filed disputes with no luck. I am submitting this information in hope that the companies receive the information and update the reports immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: SC

Complaint narrative:
I have filed numerous disputes, I have also been locked out of my XXXX and Expieran online accounts. I have not used credit in years as I was XXXX. I have looked into and sought legal help since. I filed disputes with no luck. I am submitting this information in hope that the companies receive the information and update the reports 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 2020-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
AMERICAN EXPRESS XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX. 
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days.  I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation