vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: WA

Complaint narrative:
Friday XX/XX/XXXX I had paid Credence for my direct tv that is in collections, they are the last bill/mail I could find about it. Saturday XX/XX/XXXX {$290.00} was withdrawn from my husband 's XXXX  account for the payment. 

Yesterday Monday XXXX I found out that Credence is not in holding of my direct tv collections but XXXX XXXX XXXX  is. So I called Credence to see if they could send my money back to me so I could get it to the right people. Credence said they have no record of the payment. So I called XXXX at XXXX XXXX, we are trying to refinance our house and part of it is paying the collections off. 

XXXX suggested to wait til Tuesday XX/XX/XXXX ( today ) to called XXXX XXXX  to see if Credence sent the payment to them possibly. So I called Enhanced Recovery as suggested. The lady at XXXX XXXX  told me nothing was sent to them but they are the ones holding the collections. She also told me that Credence shouldn't have taken the money out when they are not in holding of this collection account let alone me being able to even access the website for payment. She recommended calling Credence back to find out why they still withdrew the money. 

After i got off the phone with XXXX XXXX  I called Credence to find out the information. The lady at credence said again they have no record of payment or it being with drawn from my husband 's hapo account even though I have a saved pdf of the account showing Credence withdrew the {$290.00} from the account as well as the receipt from making the payment. 

Credence is withdrawing money not within their holdings and claiming no records of such withdrawing 's or payments being made. 

I need that money back so I can get to the right company holding my direct tv collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On the XXXX of XX/XX/2021 I submitted a formal complaint regarding inaccurate information being reported on my Transunion credit report. 30 days later with no response from initial complaint regarding the incorrect information, on XX/XX/2021 I submitted a request to be provided proof of the inaccurate items.

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 2021-03-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I took this loan out and had it assigned for automatic payments out of my bank account. I then had some issues being able to pay this account and they allowed to skip a payment or hold of on making a payment back in 2019. The loan was for XXXX. I then used XXXX XXXX debt management and did a offer a settlement so I thought this account was handled. Then a few days ago I went to apply for a car loan and was denied and this account was one of the reason so I pulled my credit. They are saying they did get the settlement but now are not accepting it closed. They are trying to say now that in 2 years the interest is about {$10000.00} on a {$4800.00} loan balance. They have never contacted me, never tried to collect a payment or anything. All of my information is still the same as it was when I took out the loan. Same address, same phone numbers and same bank routing and account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: ME

Complaint narrative:
My wallet was stolen w my debit card and XX/XX/XXXXcard I reported it stolen to chime bank they sent me a new debit card so while I was waiting for them to send me a new credit card I was transfer my automatic credit deposits back into my checking because u don't need a pin for that card. They closed my account 10 mins after I had a XXXX dollar deposit made said that transfering my money out of my XX/XX/XXXXwas against policy that they would send me my money within a month. I sent proof of identity 6 weeks ago they have no customer service agents to speak to and every time I email them they tell me to give them a month it's always an automated responce. It's my belief that they r hoping I will forget so they can keep my money. I don't understand why I can't speak to someone or why they haven't sent me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: PA

Complaint narrative:
Please refer to cfpb complaint number XXXX. Experian states that their third party vendor XXXX XXXX has verified that the account is accurate. I spoke with XXXX XXXX again to reverify. They sated that Experian must run my information through there system again and it will verify that not only do I not have the original account in question but I now do not have the other account as I was in dispute with XXXX XXXX at the time of the original complaint. Experian is sending generic letters without doing their due dilligence,. They are not following the Fair Credit practices set forward as the agency they claimed to have verified said accounts are saying that they have deleted these accounts as well as reported the deletion to experian who refuses to remove the erroneous accounts. I have attached documents verifying one account was not listed as of XX/XX/2021 and the XXXX not listed as of XX/XX/2021 via XXXX XXXX XXXXXXXX documentatoin.

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 2021-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
My American Express Bluebird card has not worked for more than 5 days now and when I call Amex and tell them, they act like there is nothing wrong! Their website has not been working for the same amount of time, no one can use their card for anything and hundreds of people are complaining about the same problems but Amex continues to tell all of us that nothing is wrong when it is VERY obvious that they are having some kind of a system failure right now and Amex just does not want to own up to it!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23 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: GA

Complaint narrative:
I have not received any confirmation on how you have verified the alleged account attached in Exhibit D through H and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( copied from the affidavit attached ) ***

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 2021-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
capitol one bank suddenly decided to close all 3 credit cards i had with them no reason given, fair enough if they dont want to do bussiness with me that thier right even if they wont explain why but they are holding approximately XXXX points worth at least {$700.00} or more without any reason and will not release them despite me asking many times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-23 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: EQUIFAX, INC.
State: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The XXXXdit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC creates barriers against small borrowers and crafts non IRS interpretations as part of its program to prefer large borrowers. It had no specialized access during the Biden expansion. Requires small borrowers to use expensive processes and accounts. Limits access when it claims it is seeking information by closing its portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I initiated a wire transfer from {$2000.00} from XXXX XXXX XXXX to XXXX XXXX, XXXX, the bank being used by Binance.us to handle incoming wire transfers to their customer 's accounts. The money was never credited to my Binance.us account and never returned back to the issuing bank. 
I tried to reach XXXX XXXX multiple times by leaving a message at the number they provided, but they never called back. Additionally, Binance 's response to my trouble tickets was only to wait for a more substantive response, but I have not gotten a response from them in over a month. 

Here is a copy of the wire transfer receipt : XXXX XXXX Bank XXXX XXXX XXXX Wire Dated : Thursday, XX/XX/2021 XXXX XXXX  Account : XXXX Name : XXXX XXXX XXXX XXXX : XXXX Wire Amount : {$2000.00} Reference : XXXX  to XXXX Info : Originator : XXXX XXXX. Purpose : Crypto. Ref : XXXX. 

Beneficiary : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Originator 's FI : Ref for Beneficiary : Sending Institution : XXXX XXXX XXXX  Sender Reference Number : XXXX Institution to Pay Beneficiary : XXXX XXXX XXXX XXXX XXXX : Information for Institution : Information for Beneficiary :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
We were recently granted a modification to our home loan with Shellpoint Mortgage Servicing.. The trial period for the modification was completed. Per the terms of the modification any previously reported late payments were to be erased and removed from our file. However the late payments are still showing up after repeated requests for them to honor their side of the modification terms. This is creating a negative impact on my credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
In 2013 XXXX got hack and my information was compromise and from then on I have been the victim of collection agencies. The likes of Midland Funding LLC and XXXX XXXX I, XXXX try to collect funds of accounts I never had with XXXX credit card. 
Midland Funding LLC is asking {$5800.00} XXXX XXXX XXXX XXXX is asking {$2300.00} I have responded legally in the courts but a no vail. And that including a police report with Identity Theft report. I am in the process to file a injunction against this agencies to stop this harrasment. And yes I am and doing this on my own because I can not afford a lawyer I live on my Social Security only.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: GA

Complaint narrative:
I have not received any confirmation on how you have verified the alleged account attached in Exhibit D through H and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( copied from the affidavit attached ) ***

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: GA

Complaint narrative:
I have not received any confirmation on how you have verified the alleged account attached in Exhibit D through H and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( copied from the affidavit attached ) ***

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 2021-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
AD XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$1600.00} past due as of XX/XX/2021. 
Account TypeCollection Balance {$1600.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusCollection account. {$380.00} past due as of XX/XX/2021. 
Account TypeCollection Balance {$380.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusCollection account. {$400.00} past due as of XX/XX/2021. 
Account TypeCollection Balance {$400.00} Date Opened1XX/XX/XXXX Dispute XXXX XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusCollection account. {$140.00} past due as of XX/XX/2021. 
Account TypeCollection Balance {$140.00} Date Opened12/15/2020 Dispute Revolving Accountsshow tooltip button

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 2021-03-23 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I opened a case with CFPB in late XXXX or Early XX/XX/XXXX ( case # XXXX ). This case is now closed and I received a letter from Synchrony Financial dated XX/XX/XXXX saying that they submitted a request to the major credit bureaus to delete any delinquency that occurred on XX/XX/XXXX with my HSN credit card. They noted the correction could take up to 60 days ( I will attach this letter to my complaint ) Today is XX/XX/XXXX and I don't believe that I see any update to my credit report. Please let me know what I should do next.

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 2021-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX we began the process of refinancing our home with XXXX XXXX XXXX  ( XXXX  ). Then on XX/XX/XXXX, we received our first mortgage statement with the first mortgage payment due on XX/XX/XXXX. We called on XX/XX/XXXX to make the payment over the phone because we had not set up our online account. We made the payment over the phone in the amount of {$2600.00} with XXXX. She took our payment and gave us a confirmation # ( which we have documented ) and we were good to go. Then we created an online account and viewed the website and were content with its ease of use. Then a few days later, we received a notice of Servicing Transfer dated XX/XX/XXXX from XXXX XXXX XXXX. It indicated that the new servicer was Nationstar Mortgage LLC dba/ Mr. Cooper XXXX This came as a shock as we had barely received our first statement from XXXX XXXX XXXX  and no explanation as to why it was changing. The first week of XXXX we received a Notice of Servicing Transfer along with the welcome letter which included the payment stub to pay the first amount due XX/XX/XXXX in the the amount of {$2600.00}. My husband ( XXXX XXXX ) and I immediately called Mr Cooper informing them to add me ( XXXX XXXX ) as a XXXX party to access account information. Then on XX/XX/XXXX, we created the online account with Mr Cooper and even received a " Thanks for setting up an online account '' email. On XX/XX/XXXX, Mr Cooper had still not received our HomeOwners Insurance information which I was told would automatically happen when the loan was transferred but that did not happen. We had to contact our insurance department and prove the insurance coverage and ensure that it was included in the loan. After 1 week of trying to figure all that out we finally received a mail in the letter showing the insurance coverage was added. Then on XX/XX/XXXX when my payment was due I tried logging in to the Mr Cooper account online and I was unable to access it. It kept saying that the account could not be found. TO this day, XX/XX/XXXX I have still not resolved where my payment went and/or getting access to my online account. I have made several XXXX lost count ) phone calls and have been in contact with 1 person who finally gave me his email address with Mr Cooper with no response or resolution. ALL I want is to access my account on line and find my payment that I made to XXXX XXXX Mortgage on XX/XX/XXXX. My bank statement shows it went to them and in the amount of {$2600.00}. In hopes that someone can resolve this soon I am posting this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP
State: FL

Complaint narrative:
Received a first notice of XXXX for a debt from Perdue Brandon on XX/XX/XXXX. 

On XX/XX/XXXX I sent a Certified Letter with Return Receipt notifying the firm of my dispute of the debt and request that they verify the debt as required by the FDCPA. I also let them know they they were not to contact me further until they verified the debt. 

On XX/XX/XXXX I received the signed Return Receipt from the XXXX which was signed by XXXX on XX/XX/XXXX. 

On XX/XX/XXXX I received a Third Notice of Collections from Perdue Brandon seeking payment of the same debt with no verification. The exact same letter was sent as back in XXXX of XXXX for which I had already disputed without any other notification regarding what the debt is or how they own it. 

On XX/XX/XXXX I entered a complaint on the CFPB website against Perdue Brandon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: CA

Complaint narrative:
I received a Cash App debit card in the mail on XX/XX/XXXX. I knew that it was a case of identity theft because I never opened a Cash App account and I have had two other accounts opened in my name recently. In both of those cases I was able to easily contact the company and have the account closed. I attempted to contact Cash App, but I quickly discovered that they do not have a phone number. All websites that I found directed me to contact Customer Service through the Cash App itself. Of course I do not have a Cash App account, so this was useless. I emailed Square to alert them to the fraudulent account and ask them to shut it down. I received a form email back on XX/XX/XXXX, telling me ( once again ) that I need to contact Cash App Support directly from the Cash App. It did not address my concerns or the substance of the email. I have not received a response to my subsequent email. 

In short, there is a fraudulent Cash App open under my name and Square offers no way to get in contact with Customer Service to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I open the account made a deposit then when I made a deposit they said they can identify me and then close the 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 explanation