vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-12 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: FL

Complaint narrative:
opened new account with 5/3 bank on XXXX XX/XX/XXXXXXXX  with XXXX. 

Opened account with promise of {$500.00} bonus if that amount of money is deposited into account. 

Had to take money from another one of my accounts to deposit sum of XXXX into the new 5/3 account. I explained this to bank clerk. 

On advice from bank clerk XXXX XXXX at the XXXX XXXX, FL branch located at XXXX XXXX XXXX XXXX XXXX, FL XXXX she told me to write a check for that amount knowing I did not have the funds, but since it was a friday funds would not be taken out of the account until Monday- her words from the account in which I was writing the check from to fund this new account. 

However, 5/3 bank took the funds out that day, causing the check to bounce and charging me fees. XXXX did fix that situation and told me that everything was fine. 

However, I have still not received the {$500.00} bonus. Upon investigation, XXXX said it was because I had that bounced initial funding and which caused my account not to be in " good standing '' and I was disqualified from the bonus. However, I acted upon her advice and instructions. I feel the bank is cheating me out of the bonus on a technicality. The funds did make it and posted on XX/XX/20 and have been there ever since. 
I would like the bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Rash Curtis is attempting to collect an unverifiable and canceled debt. This is for medical services provided by XXXX founder and partner XXXX XXXX. Rash Curtis refuses to contact XXXX who has stated that he is not collecting the debt. The Billing company that he used XXXX XXXX and XXXX XXXX no longer works with XXXX and does not have billing records for this alleged debt. Their number is XXXX. XXXX XXXX can be reached at XXXX XXXX XXXX, XXXX, CA, XXXX ( XXXX ) XXXX Rash Curtis has refused to contact the provider who owned the practice that the alleged debt originated from. XXXX XXXX stated that he would be the individual responsible for deciding if a bill went to collections. 

The XXXX is no longer valid for the practice and they have no information about the debt. Rash Curtis has refused to get current verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Atty General of Tex XXXX XXXX XXXX continues reporting inaccurate information. fails to follow their own protocols. reports closed accts as open, reports past due balances on closed and paid account. etc ... 
I paid child support for 15 months iut of pocket to the custodial parent at XXXX $ month and filed a notorized copy of affadavit of support to atty gen office who failed to follow up on my case. This led to years of mis reporting and 150 yo 180 month lates on XXXX  and Equifax that are not true. My case is now clised for over 6 months and Equifax gets an updare from the Tex atty grn office that I have balance if {$4500.00} and 150 days late. This is on a paid, closed acct with zero balance! 
I have sent lengthy e mails, called by phone numerous times through the years, and my case never gets corrected. 
Fraudulent reporting by the state if Texas continues to harm my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Recently I noticed on my credit report a late payment mark was sent to the credit bureaus for my auto loan. I was never 30 days late and I even called ahead of time to make a payment. A payment arrangement was agreed upon and shortly after I received an email confirmation. I always make sure I pay two separate payments which was agreed upon for my payment plan. Proof shows that I made a payment on XX/XX/XXXX for {$250.00} and another payment on XX/XX/XXXX for {$250.00}. I don't understand how I could be 30 days late when I called ahead of time, received confirmation and made the second payment as soon as possible. There was no consideration taken due to hardship of finding work due to Covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: PA

Complaint narrative:
I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from : 1. I have never been late with payments on this account. 
XXXX XXXX Account Number : XXXX**** Please remove the late mark on this account and update the status to current and paid as agreed. 




Please correct this with all haste. Thank you for your attention. I apologize for being so angry. This oversight on your part are causing me a lot of trouble financially.

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 2021-03-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from : 1. I have never been late with payments on this account. 
XXXX XXXX Account Number : XXXX**** Please remove the late mark on this account and update the status to current and paid as agreed. 




Please correct this with all haste. Thank you for your attention. I apologize for being so angry. This oversight on your part are causing me a lot of trouble financially.

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 2021-03-12 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: NV

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

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 2021-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
We have constantly tried to get help from the lender. We stated that we had a hardship and loss our jobs due to Covid-19. We live in Georgia and care for an elderly parent. This is our only transportation. 

We called the lender today and they had advised us that the loan was charged off and the lender would not accept our payment. The last invoice that we received was XX/XX/2021 saying that we owe {$2200.00}. We called to make the payment on XX/XX/2021 and they stated that they would not accept the payment and the vehicle was charged off and will be repossessed. 

This is the first time that we heard about this. We did not receive anything in the mail. We have not received any help. They stated that they would help us but never did. They would advise that we make a payment then we could get help. We did make a payment with the promise to get help on 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 2021-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: MD

Complaint narrative:
I THE ORIGINAL CREDITOR am exercising my rights and find the following third-party entities which have no legal rights, in violation of federal laws. I have sought out the enforcement of the FTC as these alleged accounts have been continuously being illegally Verified as accurate, and stating that I The Original Creditor, owe this alleged debt. 

***XXXX XXXX is a third-party debt collector** ***Phoenix financial is a third-party debt collector*** ***State Collection service is a third-party debt collector*** *** XXXX XXXX XXXX is a third-party debt collector*** *** XXXX XXXX XXXX is a third-party debt collector*** Adhere to the federally mandated guidelines or face civil liability which is enforceable by the FTC. Each entity/person/corperation/third-party/agency/affiliate is with proof in clear violation and my federal law, must pay me in a valid check in the amount of {$14000.00} for these violations. 

XXXX, XXXX, and XXXX should be aware they are reporting false, misleading and deceptive Information, and can be found liable as the third party debt collectors if they do not immediately cease reporting these illegal and alleged accounts. 

This is the last chance to cure for each entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BONDED ADJUSTMENT COMPANY
State: WA

Complaint narrative:
Approximately 3 years ago, I contacted the power company in my state to have power turned on in the apartment I was moving in to. To my surprise, I was notified at that time, I ha an outstanding balance under {$100.00} from a previous address. I remembered the debt, but had forgotten to pay it. When I asked if I could pay it, I was told I need contact the collection company to whom owned it. The agent gave me the number to bonded adjustment. 

I called the above named company. I told the woman who answered I needed to pay an outstanding balance for a power bill I had forgotten to pay from a previous address. I couldn't get power until the bill was paid. The woman rudely asked my name and placed me on hold. After a 10-15 minute pause, this woman returned to the call to say she found the account. She rudely said I need pay the balance of the power bill and another amount of funds, in my name. 

When asked what other bill was outstanding, she refused to tell me who, where the bill when the bill was originated. I then told the female I had money for the power bill and my car payment. I needed to get power turned on. She proceeded to tell me I better find another way to make my car payment and refused to take only the power bill I acknowledged. In my opinion, she extorted funds for a debt I knew nothing about. She then said it was a medical debt. I asked for a receipt for the payments.She said they would be in the mail. I NEVER received them. 

I recently received another statement from this company dated back in 2015. It is my opinion, this company is using deceptive and predatory practices to collect. Especially during a world wide plague taking advantage of consumers and parking debt! As mentioned before, I did not receive the receipts of the payments I previously made, no validations of any kind..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: VA

Complaint narrative:
I was supposed to get a Way2Go card with my second Stimulus check on it but it never cam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: BCO Consulting Services
State: TX

Complaint narrative:
BCO consulting services tried to say they could get me a federal public service loan program forgiveness. They wanted to charge me 5 monthly payments before even being approved of the loan forgiveness from the US Department of Education. The US Department of Education told me I was scammed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-12 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: IL

Complaint narrative:
I received my credit report from you. It included the following incorrect information : 1. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor XXXX XXXXXXXX  Account Number : XXXX Please remove this account from my credit report immediately! 

2. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX, NJ XXXX please delete it. 
This incorrect and negative information is damaging my credit. Please remove this fraud information at once and send me an updated copy of my credit history report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.

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 2021-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MA

Complaint narrative:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: NV

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My rent for {$1000.00} shows as deposited on XX/XX/2021. The check was mailed via USPS on XX/XX/2021. My landlord contacted me on XX/XX/2021 to inform me that the rent had not been received. I sent my landlord the information available via Chase 's website showing my account being debited {$1000.00} and the scan of the front and back XXXX endorsement side ) and my landlord informed me that the endorsements do not match how they endorse their checks. I did a further investigation of past rent checks and the endorsement doesn't match any of my previous rent checks as my landlord claimed. I contacted Chase Bank 's check forgery department on XX/XX/2021. They did a brief investigation while I was on the phone and told me that it appeared to most likely to be fraud and that the check had been deposited into another Chase account. However, they would need to do an investigation that could " take up to 30 days '' before they could restore the funds to my account. I feel like this up to 30 day waiting period for the funds to be restored is excessive. If I were to make a fraud claim for my credit or debit cards, the funds are pretty much refunded instantaneously while the bank pursues further investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-12 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:
I got an email from paypal i can no longer used their service for no reason. I know this is a mistake they always hold also my money everytime i received from my clients. They are not doing their job very well with their customer. They wanted me to wait for 180 days and give instruction how to get my remaining balance. That's not fair. They need to improved their system. My email link to paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I now have reason to believe that I may have been scammed out of some of the money I have been sending to an online person. This involved 3 separate transactions, one of which I actually was refunded for ( {$300.00}, Sent XX/XX/XXXX, refunded on XX/XX/XXXX ) which is good. The other 2 I know I will not be however ( Both Sent on XX/XX/XXXX for {$40.00} and XX/XX/XXXX for {$50.00} ). All transactions went through PayPal. 

The reason I believe this could ultimately be a scam is because of this person wanting that {$300.00} that was refunded to me sent back to a different account using XXXX. XXXX did flag this transaction as a possible scam, which I ended up not sending. This now has me questioning this person entirely.

Company response to consumer: Closed with non-monetary relief