vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Data and Contact Management Solutions, LLC
State: MA

Complaint narrative:
My XXXX account went into collections and DCM services picked up the account. They also stated that upon completion of final payment they would do a tradeline deletion. On XX/XX/21 with XXXX  credit bureau was reported as a derogatory condition..they also should be held accountable for advertising a service that can not be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PENTAGON FEDERAL CREDIT UNION
State: DE

Complaint narrative:
My old credit card was lost/stolen and the balances from that were moved to a new card number. As a result of that transfer, my rewards points ( {$47.00} accrued till that point ) should have been transferred over to the new credit card as well. The PenFed system charged me interest even though I was on AutoPay. That interest issue was resolved, however, the rewards issue has still not been resolved despite multiple calls and even an assurance provided to me by PenFed after a prior CFPB complaint. I even called and described this in a very long and elaborately detailed call with PenFed less than 2 weeks ago and I was informed that a ticket was being opened to address the issue and they now knew what was wrong. Today, I called and there was no clue about the issue on PenFed 's end. I am not sure what is going on.

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 2021-06-15 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: TX

Complaint narrative:
I paid this account in full on XX/XX/2021. The account is still showing closed derogatory on my credit report when it should be reporting closed paid on full. Ive disputed it with the credit bureau and they dont update the status or information.

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 2021-06-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
We applied for a construction to permanent loan in XXXX, and after months of providing the bank documents and updating documents we previously provided we finally closed on XX/XX/2021. We were frustrated with how long the process took but once the loan was closed we thought it would all be ok. Now over a month has passed and we have no documentation on our loan. We have no note, no mortgage, and nothing that shows we have a mortgage with Citizens Bank, N.A. I was trying to be patient but we are in the process of building a home and the contractor asked us on XX/XX/XXXX that we draw on our construction line that we set up. We have paid the closing fees and are accuring interest, However, when we contacted Citizens, they had no record of our loan in their sytem. We called multiple departments and the only department that could help us, the construction department, did not pick up their phone, We left multiple voicemails and sent emails and finally heard back after days of trying. The bank informed us that after over a month our loan has still not been boarded and is not available. Again, it has been over a month, and the bank is unable to give us access to our construction line. At this point it is delaying the construction of our house, because the contractor needs the funds, and is costing us time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
This complaint relates to Paypal account " XXXX ''. The name on the account should be XXXX XXXX but is incorrectly listed as XXXX XXXX. 

I initiated a transfer of {$1400.00} from Paypal to my checking account. It completed XX/XX/2021 - my checking balance went up and my Paypal balance went down. See attached bank statement. 

On XX/XX/2021, Paypal took {$1400.00} out of my checking account and did NOT put the {$1400.00} in my Paypal account. They simply took the money. There was no valid reason for Paypal to move the money. I did not instruct them to take {$1400.00} from my checking account. I did not authorize them to take {$1400.00} from my checking account. Yet they did. They stole my {$1400.00}. It never reappeared in my checking account nor my Paypal account. 

Paypal is a NIGHTMARE to deal with. There is no phone number to call and they are unresponsive to messages sent to them through their system. I know from a complaint I filed with the Illinois Attorney General that they claim that they never actually received {$1400.00} from the bank on XX/XX/2021 ( or any subsequent date ). They claim that they asked the bank for {$1400.00} but the bank did not comply. 

Paypal 's claim that the bank did not comply is contrary to the information shown in my checking account statement. 

When Paypal claimed that the bank had not transmitted the {$1400.00} to Paypal, I complained to the bank. I have attached the bank 's response. They state that a transfer to Paypal did complete on XX/XX/2021 and they provide an ACH trace # of XXXX. 

Paypal is incompetent and should be shut down or CLOSELY regulated. They play fast and loose with facts and the rules. I have spent over four hours attempting to correct these idiots ' blunders. I am tired of it. 

Also, I have repeatedly attempted to correct the name on my paypal account. The account name on my non-business account is supposed to be XXXX XXXX. But due to a mixup with shipping address, it is XXXX XXXX. I have repeatedly ( at least 5 times ) requested name change and provided the following documents : Social Security Card, Driver 's License, Utility Bill. Yet the XXXX at Paypal have failed to correct the account name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have been account holder for coinbase since XX/XX/2021. XX/XX/2021 my account was locked and has been locked for six weeks. I have tried everything on their support platform, yet all i get is that the issue has been resolved and nothing gets done. Their is no customer service number or direct email. I have large sum of money in their account and no one is responding to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
My husband and I bank with navy federal. We recently sold out house and receive a {$2900.00} check that we cashed on Sunday XX/XX/XXXX and we called on XX/XX/XXXX to make sure the funds were going be receiving the funds because we have car payments that were coming out soon. They said it should come out between the time frame of XXXX to XXXX standard time that night. We wake up on Tuesday XX/XX/XXXX with our account negative {$5500.00}. We instantly called the bank, my husband called before I did because he has XXXX and I was asleep. But, the lady on the phone with my husband wasnt comprehending there was no way our account was negative that much and she basically told me husband to control his spending. He told her theres no way with the payments we recently made that our account would be negative {$5500.00}, the lady finally found the issue and it was because of our check, she had informed my husband that the check was on a hold a due to the mortgage company sending a confidential message to not release the funds so as soon as I heard that I got on the phone with the mortgage company and they had no idea what this lady was saying, they read the check number off and even said they should not be having issues with the check. My husband gets very upset with the lady because how are we getting penalized for a check we cashed and they are the ones putting the hold on it. How is our account negative because of that. So she winds up transferring her to the manager and the manager basically told us there is nothing we can do. They wouldnt let us know what the confidential message was about even though it was about our account and our check. All together my husband and I are going to pay off all our loans and transfer banks because we have pills and car payments coming out and now our credit is going to get messed up because navy federal can not release our funds and can not give us a very good reason on why not because the reasoning changed 2 times with the female and then 2 times with the manager. We have had nothing but issues with this bank and we are done. We do not recommend banking for a with navy federal they claim they help the troops but couldnt help my husband at all. ( He is XXXX XXXX XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
On XXXX XXXX, I was contacted via letter by Amsher Compassionate Collections.XXXX XXXX has hired Amsher Compassionate Collections to continuously harass me about a bill, I do not owe.I contacted Amsher to send me verification of this debt.Amsher on XXXX XXXX, sent me verification of this debt.This debt is in someone else '' s name address, but I owe it.I have not been a customer of XXXX  since XXXX XXXX was a XXXX  customer for over 20 years.I lefXXXX XXXX XXXX in XX/XX/XXXX, and have been with XXXX  since XXXX XXXX.On the verification paper XXXX XXXX/Amsher sent menthe bill creation date is on XXXX XXXX.I was with XXXX  in XXXX.I am still a XXXX  customer.I am guessing back in XXXX is when XXXX XXXX  was illegally taken {$12.00} cents out of my checking account, without my knowledge or consent.They got away with it, until I called my financial institution and told them that, I '' m not an XXXX XXXX, I am an XXXX.Mind you this is the same checking account, I use to pay my XXXX XXXX bill from, when I was with XXXX.I called XXXX  and they kept putting me on hold, would not give me a straight answer as to why they were illegally siphoning money from my checking account.My financial institution had to close my account, and I had to start over again, with new everything to keep XXXX from going back into my account.Thats when other debt collectors would write me about this bill from Dish, I would respond and tell them, I do not owe XXXX XXXX, these companies would stop contacting me.But this Amsher went as far as putting it on my credit report, causing my FICO score to drop 45 points.I contacted The Attorney Generals Office of my State, and they sided with me .The Attorney Generals Office contacted Amsher, and Amsher admitted it was not my bill.I have a problem still, because Amsher/XXXX XXXX knowingly/falsely accused me of this bill, pursuing me of this bill, knowingly this bill was not mind and still proceeded maliciously reported this to all 3 credit bureaus, and stole money from my checking account.I am very, very upset by this, because I had good credit, now its at poor, and one of my credit cards dropped my credit limit lowered because of this.I want them both XXXX  XXXX/Amsher both to be sued, so no one else would have to go through this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I have a checking account with Citizens bank. They apparently signed me up for an overdraft line when I opened the account. They have never shared with me the balance outstanding on the line ( I never knew I had a balance! ), do not share any statements, and do not provide any statement online ( specifically the " statement '' section related to the overdraft is empty and shows no history ). In addition, once I spoke with them and they told me there is a balance, there is no way to pay the amount online when you try to go through their process. 

It seems as though there is a very intentional effort here on the part of the bank to ensure the consumer isn't aware he has an overdraft and can charge her 24 % p.a. 

Extremely slippery!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian refuses to follow bankruptcy laws. Accounts were discharged in my chapter XXXX filing. XXXX XXXX was of those accounts discharged. XXXX has updated my credit file correctly, however Experian has both XXXX XXXX accounts listed as delinquent. They refuse to allow me to dispute these already fraudulent accounts under bankruptcy now. These accounts were XXXX in my filing XX/XX/2021, I notified Experian of this information. They refuse to update these accounts which is causing damage to my credit file. I do not have any open accounts as they were XXXX and the balances have been marked {$0.00} Experian is the only company still reporting accounts with balances and refuses to mark the accounts chapter 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 non-monetary relief
Consumer complaint received 2021-06-15 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: FL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARD TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY INFORMATION IN REGARD TO THE INVESTIGATION RESULTS. IT HAS BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: FL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARD TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY INFORMATION IN REGARD TO THE INVESTIGATION RESULTS. IT HAS BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

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 2021-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I contacted my bank to issue a refund but they couldnt help me. Since the transaction was authorized they said they couldnt get my funds back. I got scammed out of {$500.00} dollars through XXXX and I think it was unfair. Sure I did send the money but I thought I was going to get my goods as promised. But of course, it was a scam and it worked unfortunately. The transaction took place on XX/XX/21. Im really hoping I could get these funds back because losing half a grand isnt fun.

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 2021-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SUNRISE CREDIT SERVICES, INC
State: MO

Complaint narrative:
On XX/XX/XXXX, XXXX I received a call from Sunset credit services. Violating the Fair debt collection practices Act & Fcra. They have committed 4 individual actions ( violations ). 15 usc 1692b ( 2 ) was violated 2 times. 15 usc 1682d ( 2 ) was violated. 15 usc 1692c ( 1 ) was violated. I do not owe any debt. 15 usc 1692k you are liable for damages. this allege debt is unverified/inaccurate. Also violates the Fair credit reporting act. I do not owe any debt.

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 2021-06-15 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: AL

Complaint narrative:
Equifax is reporting a bankruptcy on my credit report. The bankruptcy has incorrect information and is unverified. I disputed the bankruptcy. Equifax responded that the account was verified as accurate through a 3rd party company, XXXX. Equifax is NOT allowed to verify information on my report with a 3rd party who has the information wrong. Only the original source can verify the account. The original source is the bankruptcy court, who has confirmed to me that they do NOT report or verify ANY information with credit reporting agencies. Therefore, this information was verified illegally with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingUSA
State: GA

Complaint narrative:
I tried to reach out to Lending USA. They confirmed that my account shows I only had three deferments which totaled {$960.00} because my XXXX funds where messed up during those times and I notified them of those issues in advance. 

I was set up on auto drafts once my XXXX income was corrected. My monthly payments was {$320.00}. I called to get my last payment date when one rep told me to call on XX/XX/2021 to pay {$320.00}. And now my final bills totals {$1700.00} for past due balances that I was never aware of cause every month only {$320.00} would be auto drafted from my bank account. I don't understand how three deferred payments ( {$960.00} ) doubled to ( {$1700.00} XXXX like that. Its not my fault that their automatic system drafted my payment on the days that it did. 

I strongly believe that my final payments on XX/XX/2021 should only be XXXX which makes up for the three deferred payments I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: CA

Complaint narrative:
Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Weber & Associates, Inc.
State: CA

Complaint narrative:
OTHERS XXXX XXXX XXXX XXXX XX/XX/2016 {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX, Equifax and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts. 


Due to no response for more than 60 days I would like these accounts removed from my credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
XXXX  XXXX XX/XX/XXXX XXXX XXXX CAPITAL ONE BANK USA N A XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief