vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-12 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Sychrony Financial has placed an unauthorized hard inquiry on my XXXX Credit Report. The inquiry was placed on XX/XX/2020. I didn't authorize this inquiry. I previously complained regarding this matter and they claimed they couldn't locate the inquiry so I emailed them the screenshot of their hard inquiry on my XXXX Credit Report as a response to their email from the office of the president. They still have yet to respond or remove the inquiry although a screenshot of the inquiry has been provided to them.

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 2021-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
Citibank withheld money in my checking account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-12 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: MI

Complaint narrative:
my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Also, according to 15 usc 1692e this alleged debt is false and misleading.

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 2021-12-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
NATIONAL CREDIT SYSTEM CONTINUOUSLY REPORT A DEBT COLLECTION OF {$2700.00} I HAVE BEEN TOLD SEVERAL TIMES BY EACH CREDIT AGENCY THAT ITS NOT ON MY CREDIT THEN WHEN I APPLY FOR LEASING IM BEING BECAUSE OF A DEBT I HAVE NO VALIDATION OF!!! WHEN I CONTACT THE NATIONAL CREDIT SYSTEM THE REP XXXX WAS VERY NASTY AND UNPROFESSIONAL & CLAIM SHE WAS GOING TO EMAIL ME THE DEBT!!! THIS IS EFFECTING MY LIVELIHOOD & HARM TO MY CREDIT PROFILE!!! ASKED IF THERE WAS A SETTLEMENT OFFER DUE TO PANDEMIC & WAS TOLD BECAUSE OF ORIGINAL DEBTOR ISNT OFFERED BUT AGAIN THERE IS NO PROOF THIS IS MY DEBT!! THIS CREDIT AGENCY REPORT INACCURATE INFORMATION ALL THE TIME AND SEVERAL INVESTIGATIONS AND FINDINGS FOR INACCURATE INFO BEING REPORTED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
To Whomever this may concern, My name is XXXX XXXX and I run a family owned fashion brand on XXXX. We decided it would be a good idea to use paypal as a payment processor for our sales. In the beginning, we had some issues with paypal due to it being a brand new account so we were on the phone with them 3-4x a week verifying tracking # 's and other business info to prove our legitimacy etc. We provided them with all of the information that was needed by them. It was going so well with them, and so was our business. Black Friday and Cyber Monday is the busiest time of the year for us so there was a high amount of transactions/orders. We roughly processed around XXXX with them. Right after Black Friday was over, Paypal has held around XXXX of our funds ( 180 days ) and we need this to pay our employees, pay for ad spend, and other overhead costs. I spoke to XXXX and she reassured me everything was perfect on their side after providing them all of the documentations they asked for ( before the 180 day hold ). I called paypal the day the limitation hit our account and the rep said he could not give us any info. The least we can get is an explanation. This is really hurting our business. We need that XXXX back. I am very disappointed and plan on taking legal action. 

Then, out of nowhere

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: WI

Complaint narrative:
I have tried to pay off the loan numerous times for a settlement amount and customer service says they cant do it and they transfer me to the collections department. I talk to collections and they say I have to speak with the origination department. Basically they give me the run around and kept charging me interest. Collection agency says Speedy Cash doesnt want a settlement amount they want the entire amount which is the outrageous interest charges that I tried to prevent when they gave me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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: MI

Complaint narrative:
The is an account that is reporting a late pay that I dispute twice as being in accurate which it is as the loan was in deferment. However, I realize the account is more than seven years old and should not be still reporting on my account. The account is from XXXX and XXXX it is approaching the 8 year mark. I have opened an investigation per the consumer fair credit report " Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. '' I am having this issue with Experian, XXXX and 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 2021-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Dear Sir/Madam, Sub : TD denied my {$500.00} bonus and gave evolving reasons. 

I opened checking and savings accounts with TD bank USA in XX/XX/2021 and met all the terms and conditions for {$500.00} bonus but TD bank didn't credit me the bonus. They gave me a variety of changing reasons to deny bonus. All along in past months, I kept requesting to confirm my bonus eligibility but never got a straight answer. I filed complaint but the management didn't make any attempt to help. They kept telling different and changing reasons and apologized for poor customer service and also acknowledged that they need to groom their team but their apology didn't do any good to me. All the conversation with them is documented in secure messaging and mails. Disappointed, I ultimately put my account closing request to them yesterday. But I thought that this has to be reported so that no other customers have to go through this. 
If you could help with this, it would be great. 

Thanks in advance & warm regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
I wanted to pay off loan and Cashnet agreed. Instead of keeping the payoff agreement they refinanced the loan I was trying to payoff which caused higher payment more interest and they wouldnt resolve the matter by accepting the last payoff payment and continued to withtraw funds from my account without my approval. I had no choice but to close account and cancel debit card to kep them from going into my account and they continued to charge interest and wouldnt accept a payoff amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AL

Complaint narrative:
I received a certified letter in XX/XX/XXXX from Easy Money stating that I had 10 days to pay back XXXX XXXX XXXX if I did not pay them back in that amount of time they would turn it into the police and charge me. 
they are claiming that I cashed a XXXX XXXX check. I have never cashed a check there or even used that establishment before in my life. 
I know for a fact my ID has been stolen its been stolen since XXXX of this year. And I am arguing that I should not be charged with any fraud charges because it is Easy Money 's fault for cashing a check knowing the person cashing the check looked nothing like me on my ID card. 
I demand that they pull up the footage of that day on the security cameras because I can pretty much guarantee whoever walked in & used my ID to cash a bad check looks nothing like me and nothing like the picture on my ID

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I acknowledge that the following information is true and to the best of my knowledge. I also sent the following, as also will be attached, to Credit Collection services and via email to my agent, XXXX as will be attached. My bill was due on XXXX of every month. The latest bill was in the amount of {$390.00}. I paid the bill from my own bank account to safeco insurance. 
I was shocked that on my former bill, I was charged the amount of {$970.00}, which is almost triple my usual bill. Such date was XX/XX/2021. I went to check in with my agent XXXX, XXXX or XXXX unsure about her last name at XXXX XXXX XXXX which was on XX/XX/2021, she advised that she will take care of it in two days. When I called her back after two days on XX/XX/2021, she advised that she was unaware of the story and she fixed nothing. Thus, I told her to cancel the insurance all over. I called my XXXX  XXXX XXXX to get my money refunded and I was refunded of such. I called XXXX XXXX to inquire about the bill I recently received in the amount of {$1500.00}, they advised that they spoke with agent and that they will fix it and send me a bill reflecting {$0.00} in debt and that they will also reflect the cancellation date on the record which is on XXXX. I got shocked again that I received a bill indicating that the amount was sent to credit collection services. 
In XX/XX/2021, XXXX XXXX XXXX office called me and advised that they wanted to compensate me financially for all the money they took from me. They called me AFTER I texted my agent that I already paid what I need to pay and that I do not have to pay the additional {$150000.00}. The call also came AFTER I also texted my agent that I would file all incidents at FTC. 
I recorded the conversation which would prove that they know they took all what I am required to pay for the auto insurance. 
The XXXX XXXX XXXX ADMITTED that I paid it all when they said that they were ready to compensate me. 
I can submit all recordings above mentioned as well as additional proofs.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Ive called CAP one about this and got nothing but LIES and justifications which are NOT true. 
As of XXXX I had a +  balance ( that the bank OWED ME... this is MY MONEY not credit ... of XXXX XXXX ) I did a charge on XXXX of XXXX XXXX for some food gift cards. 
I told a XXXX at XXXX XXXX, to dispute the charge she also refused which is illegal. 
she claimed it was a cash advance ( it wasnt it was for PHYSICAL GOODS )... but that doesnt matter you CAN NOT CHARGE ME A FEE ON MY OWN XXXX MONEY ... this is PURE XXXX and a SCAM ... another way for XXXX XXXX to RIP PEOPLE OFF!!!! 
CAPITAL ONE charged me a FEE of {$10.00} for a CASH ADVANCE ( on my own money!!! ) this is a blatant FRAUD from CAP one ) ... its MY MONEY ... this {$46.00} was NOT from my CREDIT LIMIT and it was NOT DRAWN from my credit line... plain and simple ... it WAS MY MONEY ... and the XXXX CREDIT CARD of CAP one is trying to charge me a FEE on my money!!!!! 
One XXXX rep tried to say that the {$42.00} charge from XXXX comes from my credit line... NOT TRUE if that was true it would show my credit line used {$42.00} and I would have a balance still of my {$46.00}. 
I want the {$10.00} SCAM RIP OFF FEE the XXXX one is trying to charge me reversed ( as its a SCAM you can not charge me a CASH ADVANCE FEE on my OWN XXXX MOENY!!!! ) its MY MONEY. 
And once that is done I want the balance of the XXXX  XXXX mailed to me and both credit cards closed, as I refuse to do business with XXXX. 
Also filing this complaint with the XXXX ( Virginia cap 1 headquarters ) and CFPB ( https : //www.consumerfinance.gov/complaint/ )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I reached out to AMERICAN EXPRESS to exercise my consumer rights regarding a billing error in which I never received a response. American Express is continuing to violate my federally protected consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I walked into a Bank of America financial center located at XXXX XXXX XXXX XXXX XXXX, DE XXXX with the intent on depositing my promissory note with the interest due to me by multiple business whom I have contracts with. I was advised by multiple employees at this bank that they could not deposit my promissory note which I also advised was a check ( remittance coupon ) because it was just a piece of paper and that they could only pay the company and that they refused to deposit my funds because they claim they have been doing their job for years and never seen this type of transaction before. I asked and verified that BOA  was an FDIC insured bank per 12 CFR 229.2 ( e ) ( 1 ) ( as defined in section 3 of the Federal Deposit Insurance Act ( 12 U.S.C. 18I3 ) ) and advised the teller of the FDIC federal law showing my right to deposit such instrument as a NON-CASH ITEM in a check form without magnetic ink and a routing #. I also advised that since the account number is available that the account can be located within the system which would show them the account number they needed for the targeted financial institution and I was still denied. I requested a call to a manager and that manager also advised the teller that they could not perform this task. Although, I called BOA customer service 3 times and confirmed with XXXX that this was a process that I was federally obligated to perform and that BOA is aware of this procedure as well. According to the BOA Deposit Agreement and Disclosure this banking institution accepts and deposits non-cash items such as checks so why am i being denied and told that the non-cash item check i am demanding to be deposited which is paid to the order of me denied and told it is not a check by not 1, not 2, not 3 but at least 6+ employees and managers that this simply can not be done. I presented the check the the bank did not pay the check upon presentment. I also made sure to endorse my instrument and was still denied my right to deposit a check on my account. The staff should be trained and educated on how to process these type of transactions as well as the many types of deposits a consumer is federally rightfully able to perform to prevent complaints and violations from being performed.

12 CFR 229.2 12 CFR 1005 7 CFR 1901.508

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK
State: CA

Complaint narrative:
XXXX XXXX XXXX and Discover have filed a law suite against me in XX/XX/2019 at XXXX XXXX XXXX Superior Courts | XXXX Courthouse | Contract and they have been XXXX, harassing, intimidating, threatening, and assaulting my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK
State: CA

Complaint narrative:
XXXX XXXX XXXX and Discover have filed a law suite against me in XX/XX/2019 at XXXX XXXX XXXX Superior Courts | XXXX Courthouse | Contract and they have been stalking, harassing, intimidating, threatening, and assaulting my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have made XXXX different Wire transfers to a bank account in XXXX : XX/XX/2021 {$3100.00} XX/XX/2021 {$7800.00} I have discovered XX/XX/2021 that the person I have sent the money to is a scammer and I have made a claim the same day to my bank Chase which they lost and had to make a new XXXX XX/XX/2021. I have spent XXXX hours in total over the phone with my bank to find out what's wrong and still did not get any reply. I could not go to work for 2 days trying to get information and help from my bank without a result. 

I made an appointment today with a Chase banker. He called the claim department and they told him the claim they did was rejected by the receiver 's bank and there's nothing they can do because it's a wire transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I requested an reinvestigation into my credit file with Transunion. They responded by deleting items from my credit file. They are civilly liable for the reporting of this information and in violation of my federally protected consumer rights.

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 2021-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
The company Im dealing with is Coinbase, Im having issues with their platform Coinbase XXXX. On XXXX XXXX 2021 I initiated a transfer of {$3600.00}. About 30 mins later I called to close my account because their was fraudulent activity. They closed the account and had me verify my account. I send them my Drivers license and a selfie to prove my identity and to regain access Into my account. My account was available 24 hrs after it was locked. I realized that the money I had transferred wasnt in my account. I submitted a ticket and I havent received any answers of where my money is. I received an email on XXXX XXXX that my money was available but its yet to show up in my account. Ill attach proof of the email down below. All the company has to do is check in their systems for my account history and theyll see deposit, transfer history and itll show that Im supposed to have an additional {$3600.00} that I deposited. I already checked the statements online and the last transaction is my deposit of {$3600.00} that still isnt available. The company doesnt use account numbers to identify customers, they use emails or case number. My email is XXXX and I pending car number with them is XXXX XXXXXXXX XXXX  XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
I have been a customer of Consumer Portfolio Services for the last year. Unfortunately, in XXXX I started getting sick and found out I had XXXX. I was hospitalized on and off and the doctors have determined I am considered a " XXXX XXXX XXXX XXXX survivor. I've been XXXX XXXX times in the last few months, some lasting over a week. I fell behind on my payments and initially contacted CPS in XXXX after receiving emails saying they could help. I was made to feel like XXXX for needing help. I was told to borrow the money, I don't have anyone to borrow it from. Finally I was told they could extend my XXXX payment out to XX/XX/XXXX, but that my XXXX payment would be due XX/XX/XXXX and Id have to handle {$220.00} in late fees. Basically all they would do is move XXXX payment. I agreed to it because I was worried about losing my car and they gave me no other option. Unfortunately my return to work was delayed until XX/XX/XXXX due to my most recent XXXX. I did not be getting a paycheck until XX/XX/XXXX. I used livechat to see if I can do something about XXXXLate fees. And start with a clean slate. I was basically told that they'll send an email to upper management but they can't promise anything. CPS has been the ONLY company unwilling to assist during this rough time. My mortgage company, utilities, every other company understood my situation and was willing to work with me but CPS refuses to budge. All I'm asking for is the payments to be deferred to the end of my loan so I can start with a clean slate in XXXX. I've tried reporting to the XXXX and this company has not responded to them over a month later.

Company response to consumer: Closed with explanation