vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
Cashapp refuses to find my money transfer that was sent back to them on XX/XX/XXXX. 

XXXX has stated that on XX/XX/XXXX they processed {$2500.00} from my bank. My bank has called XXXX and my House of Representative have called XXXX as well. 

XXXX has stated that " CashApps needs to contact XXXX to process my funds back to my account. '' Cashapp keeps telling me that my bank needs to call XXXX. 

Cashapp has refused in my XXXX other fillings to contact XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
XXXX of XXXX, I contacted Transworld services to work out an agreement, and a monthly payment plan. My intention to set up a payment plan was to ensure that my security clearance would not be revoked, and that I could gain employment with the Department of Defense upon evidence of this agreement with Transworld Collection agency. 
When I explained my intention to a the Transworld representative, to have my clearance approved for an excellent job opportunity I was in route to gain, the representative became erratic and annoyed. Specifically, after I answered her question " How much do you plan to make at the new job? ". After answering her questions and attempting to retrieve proof of agreement, she rudely refused to work with me. I also requested to speak with her manager, and again she refused in a a short and aggressive tone. After being refused, and talked over, to move forward with any request for assistance, I ended the conversation and called my Federal employer. This act from the Transworld representative cost me employment with a good paying job, and an opportunity to pay off debt I intended to respectfully pay. I haven't heard from or attempted to call them since. To this day, I have continued my pursuit to employment, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX, XXXX. I finally gained partial employment with the XXXX XXXX. I received an opportunity to attend military training and get paid full-time for XXXX  months. During this time, Transworld has collected over {$7400.00}, sometimes about half my pay and more. This debt was calculated as fully paid on my Leave and Earning Statements ( LES ), unfortunately Transworld Collection Agency started a new debt and intends to collect another more than {$1400.00} ( as stated by the representative XXXX ) without notice, under the same debt name. This appeared as a random additional debt owed to the same Debtor. They have not provided any documentation, or notice, or proof displaying an accurate calculation for their debt collection actions. They have forced automatic deductions, to deduct more than 50 % of my paycheck at times. I find it disturbing that this is legal, especially when forced upon military personal. I will be pursing further legal council with my military legal advisors ( XXXX ) once I arrive to my new duty station. 

XX/XX/XXXX. I called today to get an explanation, and I received no accurate information as to how my debt is calculated. The representative continued to say " your LES will not reflect the correct amount due ''. If this is true, why and how am I paying debts that have no accurate reflection of the final due amount and how can the government keep track of this. The representative also did not provide a total amount due, and therefore left me to believe that they can charge anything to my XXXX paycheck without an accurate reflection of how much I owe. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
In XXXX, 2020, I applied to refinance my home mortgage at XXXX XXXX XXXX XXXX  ) XXXX, XXXX. I had previously refinanced my mortgage on XXXX prior occasions with BB & T. I sought to refinance to go from a XXXX year mortgage to a XXXX year mortage. I would also lower my interest rate which meant my payment would decrease by over {$800.00}. My house is valued over {>= $1,000,000}. Yet I only sought to borrow {$280000.00}. My verified assets are over {>= $1,000,000}. In addition to my house, I own XXXX other properties free and clear. When I initially applied, I provided BB & T with all of my financial information, including my thrift savings account, which now exceeds {>= $1,000,000} and brokerage accounts approaching {>= $1,000,000}. My current mortage on my house is less than {$280000.00}. I do not have a mortage on my apartment building or another house. BB & T likewise has XXXX years of tax returns and several weeks of pay stubs. During the first XXXX months, BB & T asked that I verify that I did not have a mortage on the XXXX properties, something they never asked for in the past. I repeatedly asked how can I prove it. BB & T never told me how to do that. On XX/XX/2020, after XXXX  years, XXXX months, i retired from XXXX. I provided BB & T my retirement estimates, which turned out to be fairly accurate. Nevertheless, BB & T wanted income verification. However, because of the pandemic, the government could not provide that information. I subsequently received my pension verification several months later. During the interim, for the first time,, I was denied my loan BB & T was able to determine that from my credit report, which it had and going on line. after XXXX months, BB & T changed ask for income verification. Unfortunately, with the virus, I was unable to provide the information. BB & T then rejected my loan. At every step of the process, I asked what more i could do. In the end, I guess i am not the type of person BB & T wants to deal with. Always timely with payments and a XXXX XXXX over XXXX. 
XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX application number 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 2021-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palmar, Inc.
State: MN

Complaint narrative:
My Identity was stolen in summer 2012. 
File of documents ; social security cards, check books, bank account statements, along with my drivers license were stolen out of my vehicle. 
I had just purchased a vehicle. 
I have NOT opened an account with this creditor, therefore this is a FRAUDULENT account. I Also have never received a phone call or a letter from such creditors.

Company response to consumer: Untimely response
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I am a federally protected consumer, submitting this complaint on my own behalf ; expressed on XX/XX/2021 ; I contacted THE LAW OFFICES OF XXXX. XXXX XXXX XXXX XXXX, XXXX ATTORNEYS AT LAW on or about XX/XX/2021 requesting remaining documents to validate and verify dunning response on or about XX/XX/2021. 

It has been greater than 30 days since I sent notice of dispute, demanding proof of claim and I have yet to receive documents providing proof of claim of referenced account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23 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: Coinbase, Inc.
State: MA

Complaint narrative:
Re ; XXXX XXXX. 
On XX/XX/21 my order for XXXX coins was filled by Coinbase Trade ID # XXXX. 
Fill price was XXXX each coin, for a total of {$930.00} USD, which has since been removed from my account at Coinbase. 
On XX/XX/21 Coinbase removed/blocked access of my XXXX coins of XXXX. 
My XXXX  coins and my {$930.00} USD are " Missing '' from my account. 
And by missing, I mean they are being withheld from me by Coinbase. There is NO monetary reflection of this transaction in my Coinbase account. 
I do have proof of this transaction in the form of a screenshot of my orders in my Coinbase Account. 
In short, Coinbase has taken, removed, stole ( without my consent ) my XXXX coins and or {$930.00}. 
This action taken by Coinbase is criminal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc.
State: CT

Complaint narrative:
I was contacted via text message to my personal cell phone number by a bill collector and told to call them. 
They addressed me by my first name and provided a number to call them but neglected to include in the body of the text message a simple and reasonable way to opt out of further communication with them. 

I believe that this is a very clear violation of FDCPA section 1006.6e. Because they broke FDCPA law I would be well within my rights to file a law suit against them. 

I have never heard of this company and have never done business with them either. If they insist that they purchased a debt that was in my name then they need to provide an official Purchase Agreement as poof rather than sending bills to my house. If they believe that some sort of bill of sale is verification they are wrong. The only official and legal verification that would hold up in a court of law is the actual, original Purchase Agreement. A bill of sale is a small portion of a larger document and thusly invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX NEVER reports payments I've made to any credit bureau and they refuse to update the principal balance which has been decreasing with my payments that I'm making. All XXXX credit bureaus refuse to help. Enough is enough. I will get a lawyer if the CFPB doesn't so their job and XXXX continues to XXXX over borrowers and not report properly under XXXX XXXX. They also have NEVER provided me any kind of statement there is only XXXX in my account they have no other statements except for XXXX month I have contacted the XXXX XXXX I have contacted the XXXX XXXX XXXX I have contacted you here I have contacted the XXXX XXXX XXXX and I can not get any of my statements. I never know how much interest they are charging me how it is being applied my payments and how they are being applied I show nothing I get no statements. This is not legal.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX NEVER reports payments I've made to any credit bureau and they refuse to update the principal balance which has been decreasing with my payments that I'm making. All XXXX credit bureaus refuse to help. XXXX is enough. I will get a lawyer if the CFPB doesn't so their job and XXXX continues to XXXX over borrowers and not report properly under XXXX XXXX. They also have NEVER provided me any kind of statement there is only XXXX in my account they have no other statements except for XXXX month I have contacted the XXXX XXXX I have contacted the XXXX XXXX XXXX I have contacted you here I have contacted the XXXX XXXX XXXX and I can not get any of my statements. I never know how much interest they are charging me how it is being applied my payments and how they are being applied I show nothing I get no statements. This is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX NEVER reports payments I've made to any credit bureau and they refuse to update the principal balance which has been decreasing with my payments that I'm making. All XXXX credit bureaus refuse to help. XXXX is enough. I will get a lawyer if the CFPB doesn't so their job and XXXX continues to XXXX over borrowers and not report properly under XXXX XXXX. They also have NEVER provided me any kind of statement there is only XXXX in my account they have no other statements except for XXXX month I have contacted the XXXX XXXX I have contacted the XXXX XXXX XXXX I have contacted you here I have contacted the XXXX XXXX XXXX and I can not get any of my statements. I never know how much interest they are charging me how it is being applied my payments and how they are being applied I show nothing I get no statements. This is not legal.

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 2021-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
A wire was sent to my wife for {$1500.00} on XX/XX/2021 ( note : I have previously wired money successfully to my wife ( XXXX XXXX using the exact information in the past- it was a default drop down on my Wells Fargo online account ). Though the {$1500.00} was immediately removed from my checking account, my wife has still not received the money nor has the money been returned to me. I have made numerous calls within XXXX in last XXXX  days, over XXXX hours of my time, having been transferred to at least XXXX different people- being passed around. I have been told a variety of reasons, including because I used the word florida in my wire memo ( note : we just came back from a florida vacation where my wife was paying associated bills ). I was told to visit a personal banker which I did XXXX XXXX hour of phone calls by the banker to wire operations etc, they still have no answer for me.now over a day later since visiting the banker. At no time has any Wells Fargo employee contacted me about my issue.despite multiple complaints over XXXX days. It is unimaginable how a bank removes my money for a very basic wire transaction and almost a month later has XXXX information on its resolution. I am still out the {$1500.00} and my wife called her bank ( XXXX XXXX  XXXX ) and they assure her the problem is at Wells Fargo end. I fear the problem at XXXX is systemic that should be fully root caused as there was absolutely nothing complicated about my transaction. 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 non-monetary relief
Consumer complaint received 2021-11-23 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Documents were supplied to Equifax on XXXX as part of a dispute. They were not supplied to the merchant. The dispute came back without an error being corrected. When I requested a written correspondence with the outcome of the dispute, I was told by multiple individuals that they do not send physical correspondence in response to a dispute. 

This is specifically in regards to complaint XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
I have a XXXX XXXX XXXX with a car payment of XXXX that I purchased back in XX/XX/XXXX. My income took a severe turn back in XXXX when covid hit I was out of a job for a year. I reached out to XXXX and told them I can not afford the payment they still attached late fees to my account and refused to trade my vehicle in for an affordable vehicle. I am still behind in payments barely making full payments and they still refused to trade me out my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/21 I went to the Fifth Third bank branch in XXXX XXXX XXXX I opened a new checking account with a promotional offer code. I met the terms of the promotional offer code on XX/XX/21. Per the promotional offer terms, I was expecting a {$250.00} bonus to be paid XXXX days after XX/XX/21. I have not received the {$250.00} bonus as of today, XX/XX/21. I have contacted XXXX XXXX multiple times via their app, phone call to their customer service, phone call to the XXXX XXXX XXXX, & via email to the XXXX XXXX branch. I was told that the promotional code was not used when I opened the account ( although I have email proof showing it was ). I was told the {$250.00} bonus would be paid after XXXX days ( although the offer terms stated XXXX  days ). It has been more than 60 days. Fifth Third bank closed all of my accounts ( without my permission or informing me ) and is supposedly mailing me a {$250.00} check ( per a phone call with the branch on XX/XX/21 ). I met the terms of the offer, please give me the {$250.00} bonus. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
I went thru the forbearance program and I wasn't offered any solutions to make payments only option I was given was a short sale. I received a letter to pay full past due balance and I never can speak to anyone about tbs and I made it clear I was it trying to sale my home then the letter I received stated I made XXXX gross a month which is not correct. I have been with US Bank for XXXX years

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 2021-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
My Chase Sapphire XXXX was compromised ( twice in about a XXXX month period ). I received an email flagging a transaction and confirmed that the transaction was fraudulent. When I looked at my account, I discovered additional unauthorized charges and that, as part of the compromise, XXXX points were fraudulently redeemed from my account. 
When I spoke to a Chase rep on XX/XX/XXXX, I was told that the points would be restored in XXXX to XXXX that all charges would be removed. The charges were removed but the points have not been restored. I also requested a new card which I have still not received. 

I would like assistance is having my points restored, and in canceling this card, and receiving a refund of my annual fee. Chase apparently has a security issue that they do not care to remedy, and their customer service is unresponsive, and either untruthful or incompetent. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Opportunity Financial, LLC
State: TX

Complaint narrative:
I, the consumer, trying to exercise my rights to validate a debt and Opps Loans debt collector is not responding. They are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern : Im writing this letter to express my gratitude as a long-time customer of Capital One and to discuss a concern regarding my account. Specifically, I would like to discuss an item posted to my credit report regarding this account and request that it be revised. I would like this item to be removed as it as be on my credit report for XXXX plus years and I would like it dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
XX/XX/21 i Applied For the Promotion deal through PayPal For Venmo. To register was a {$10.00} deal to open an account i did that various amounts of time and still no {$10.00} in my Paypal account. Can someone please fix this

Company response to consumer: Closed with monetary relief