vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: MI

Complaint narrative:
My wife and I are both Military Veterans and opened a gym membership with XXXX XXXX in XXXX, NC. I believe about 2 or so months after opening the membership, a XXXX XXXX XXXX was declared and a XXXX XXXX was enacted due to Covid 19. The club was shut down for an unknown amount of time and the owner refused to allow us to cancel our gym membership without paying several hundred dollars more to break the contract even though they had been shut down by government mandate. They would only allow a one month pause. The owner then got very ugly when we tried to explain that being new members, we should not be financially penalized for a government shutdown that shut down the gym beyond our control. We were also members at another fitness center at this time who allowed us out of our contract without penalty due to the shutdown hindering our ability to utilize the facilities. We had just paid for the current month of our membership with XXXX XXXX when they were shut down. They told us they were offering online workouts so they would not let us cancel. I then explained that when we signed up for a membership we signed up for use of the gym not online classes that werent apart of the contract to begin with. We were paying a high amount for this membership. Because of the terrible treatment and the way we were spoken too, when the gyms reopened we joined another gym and had no issues. XXXX fitness then followed us on social media and stated that since we decided to join another gym they definitely would not waive the {$500.00} fee to cancel our account due to Covid shutdown. This was completely inappropriate for them to do. We decided not to continue our membership once the shutdown was opened due to poor treatment. That is our prerogative, then to have them basically stalk our social media and try to use that against us to again try and get undue fees out of us is horrible business practice. Come to find out this was a reoccurring issues from many other members of this fitness club who had also decided to switch clubs once they were all reopened by the state. They then sent it to collections and put it against our credit. They would only freeze our account and not cancel it even though we were paying {$120.00} mo. {$60.00} each for myself and my husband. They stated in an email that if you were experiencing financial hardships due to Covid to email member services. We did. We could not afford to keep paying for a costly membership for a gym we could not use. We understand they then offered online workouts but that is not the contract we signed up. 

We feel very taken advantage of and lied too because of being told different information by different staff members and then they tried to cover it up and say we were never told that. Which we were.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Paycheck Solutions llc
State: TX

Complaint narrative:
I had previously filed a complaint with this company after they harassed my HR department and shared my personal information. I had reached out to them several times about a hardship and the harassment continued. Someone named XXXX who claimed he was in charge of the debt had me agree to a payment of {$50.00} bi weekly. He took my card info and a garnishment happened to my XX/XX/22 check in the amount of {$460.00}. He began harassment stating they did not receive it. He also gave me a separate number to reach him directly on which was a XXXX area code. As of today, they closed my account with them as paid off and claimed that only almost {$300.00} was paid. Which is not the truth. I am requesting my return of {$460.00} in check form or direct deposit since they have my checking info. Attached is communication from my HR department and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company
State: IA

Complaint narrative:
We took out a second in XXXX for {$35000.00}. On XX/XX/XXXX we entered into a loan modification, we paid what they asked amounting to over {$9000.00} and they never modifidied the loan. We continues making payments from XX/XX/XXXX thru XX/XX/XXXX, at that time they sent our payment back and would accept I tried to contact them several times thru phone calls and letters, they never responded. The company at that time was XXXX  XXXX. Over the past years since then I have tried to contact the servicer with no response from them. On XX/XX/XXXX we recieved Notice of intent to accelerate for the amount of {$74000.00} from a new servicer Statebridge. The principle balance is $ XXXX XXXX XXXX they filed for forclosure. I started working with Iowa Mortgage Help, I don't remember the exact date. They referred me to Iowa Legal Aid they where able to stop the foerclosure for now. 
on XXXX XXXX we recieved a loan modification and a short payoff. The payoff was for {$80.00}. The modification was for {$10000.00} payment to do the loan, then {$60.00} at 10 % for 40 years. I called Statebridge to ask about the amounts and they could not give me answers that made sense. Statebridge sent another loan modification on XXXX XXXX. The same amounts just with interest not starting 6 months before the loan started. Iowa Legal aid sent it to the Attorney Generals office and the are now investigating the loan, they call it a XXXX loan. Iowa Mortgage Help advised me to file a complaint with this agencies as well. I am attatching the last two modifications from Statebridge. I do have all documents pertaining to this loan if you need more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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
State: DE

Complaint narrative:
XX/XX/XXXX of 2021 my account was limited by PayPal. I use my PayPal account to receive payment from good/products I sell online. Since limiting my account the suspended my account for good, which then they send me an email indicating that I will be able to access my remaining fund within XXXX from the time of the suspension of my account. Its been 350 days since the suspension of my account. Ive tried to contact them so I can withdrawal my money, but is getting no where they dont reply to my emails or later and I will like this solve as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I believe in XXXX I wanted to consolidate and close some of my accounts at Chase. I closed 3-4 accounts and left one open. I spoke with the teller who informed me that no minimum was required to leave the account open and receive no service fees. I left {$500.00} in the account. 
The next month I received a {$12.00} service charge for not maintaining the minimum balance. I spoke with the general customer service at Chase who informed me that they could not help and to call the local branch. I called the local branch manager who explained the {$1500.00} minimum. She also said that if I brought in {$1000.00} that she would waive the fee and ensure that it did not happen again. My balance was {$1500.00} after the fee reversal. 
XXXX - {$12.00} service fee. I called and spoke with a teller. I explained the situation and she waived the fee and assured me that this would not happen again. My balance was {$1500.00} after the fee reversal. 
XXXX - {$12.00} service fee. I called and spoke with the local branch manager and she informed me there is nothing she can do and told me to close the account. She will not waive the fee. 
I understand fee 's and minimums but I was mislead and deceived 3 times about the status of my account and future fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
This company is falsely reporting negatively on my credit reports for a debt that does not belong to me. I have no contract or never heard of this company. Unless this company can show me with ink wet signature proof with my signature that this account belongs to me, it is within my rights cfob enforce the law and mandate this company remove all negative remarks from all reporting agencies today. 

once again unless this company can show 100 & percent accuracy of debt owed and show proof with my signature that I agreed to repay said money owed, this account needs to be closed and removed today and CFPB must enforce the laws protecting me from false claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have been trying to get 1 ) POA authorized signer access to my XXXX  XXXX mother 's Truist checking account and 2 ) removal of my deceased father as a joint owner to the same Truist checking account since XX/XX/XXXX. My mother can not handle her financial affairs on her own, and is at severe risk of overdraft and fraud unless she has a competent POA acting on her behalf. The Truist branch representatives have been consistently courteous, professional, and apologetic to me, but the bottom line is I must be able to protect my mother. 

Key dates and what happened when : 1. XX/XX/XXXX : visited Truist branch in XXXX XXXX, Maryland. Told to come back to any branch after the XXXX  ' XXXX XXXX. 

2. XX/XX/XXXX : made an appointment online with another Truist branch. Received XXXX electronic confirmations of appointment. 

3. XX/XX/XXXX : called Truist branch to confirm our appointment over the phone. Told to go to another branch because no banker is available in spite of the scheduled appointment. Scrambled to get a walk-in at another branch nearby. 

4. XX/XX/XXXX approx XXXX : worked with the XXXX XXXX branch ( XXXX XXXX XXXX and original death certificate in hand ) for several hours. Ultimately the back office did nothing, as far as I can tell, to remove my deceased father from the account, nor to add me as POA. Branch rep very courteous and apologetic told me I would get contacted by Truist with next steps. 

XXXX. XX/XX/XXXX thru XX/XX/XXXX followed up with the XXXX XXXX branch every few business days. Some calls were not returned. Escalated to branch manager. 

XXXX. XX/XX/XXXX branch manager contacted me very courteous and apologetic- said back office would process deceased accountholder removal on XX/XX/XXXX and then POA on XX/XX/XXXX. 

XXXX. XX/XX/XXXX I have no follow up information. So I can't access my mother 's account. Meanwhile, she's in a lot of financial danger. I'd like to be nice about this, but it's a financial safety issue.

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 2022-03-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: SD

Complaint narrative:
In XXXX we paid off our mortgage with BB & T ( now Truist ). The address on file for us was an old address we had not lived in since XXXX, they were notified about this address error at origination as well as in XXXX when we had a similar problem obtaining our tax statements. The property address itself was transposed on our payment coupons as well. On XX/XX/XXXX at XXXX AM I reached out to them via the phone number on my coupon book to ask for our Mortgage Tax and Interest statement to file taxes for XXXX. It was discovered that they had not updated our address and the notice had gone to our prior address in XXXX. I asked they update our address and mail another copy to me that day. On XX/XX/XXXX at XXXX AM I contacted them again on the same phone number, as I had not received my tax statement. The customer service rep stated the address had been updated, but the document was not mailed until Friday XX/XX/XXXX and to wait another week to see if it came in the mail. Today, XX/XX/XXXX at XXXX AM I once again reached out to request a copy be emailed to me or have a tax statement mailed to me with a tracking number so I could file my taxes. I spoke with XXXX and he stated that the document was mailed to the incorrect address again between XX/XX/XXXX and XXXX. I asked to have the document emailed to me, that request was denied. I asked to speak with a supervisor and was denied that option. I asked to file a complaint and was told that was done, but have no other confirmation it was taken care of. XXXX took my phone number and told me a supervisor would contact me. This is unacceptable as it is a required document, the address has been incorrect for many years, they have been asked to remediate that multiple times. Because our loan is paid in full, they have XXXX our online banking access to this account so the only way I am able to obtain this document is by mail, yet they do not seem able to update the mailing address despite my multiple attempts to do so.

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 2022-03-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit scorXXXX over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now

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 2022-03-17 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo is reporting incorrect information to my credit report. 

-Two year payment history is incorrect and not updated. 
XXXXLast reported dates are all different on all three credit bureau. 
-Date Last Active are all different on all three credit bureau. 
-Date of Last Payment are all different on all three credit bureau.

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 2022-03-17 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: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: EQUIFAX, INC.
State: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-17 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: AR

Complaint narrative:
XXXX XXXX XXXX U.S. Department of Education By XXXX who recently receive financial Activity summary. Loan Information XX/XX/03 principal balance {$45000.00} that they indicate I owe. Which I disagree with as being XXXX man who borrowed on {$5000.00} which have recently report incorrect balance that they claim I owe them {$79000.00}. Now they saying I owe {$45000.00} I feel that I'm being discriminated against because of my XXXX XXXX XXXX XXXX. Who never graduate with any certificate or degree as student. Where are they getting this amount {$45000.00} Would be taxes that being added. Wealthy ppl don't pay any taxes. Whereas me being tax on student loan for {$5000.00}. It being taking advantage of as being XXXX, older as man.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: AR

Complaint narrative:
Federal Student Aid U.S. Department of Education By XXXX who recently receive financial Activity summary. Loan Information XX/XX/03 principal balance {$45000.00} that they indicate I owe. Which I disagree with as being XXXX man who borrowed on {$5000.00} which have recently report incorrect balance that they claim I owe them {$79000.00}. Now they saying I owe {$45000.00} I feel that I'm being discriminated against because of my race, age and sex. Who never graduate with any certificate or degree as student. Where are they getting this amount {$45000.00} Would be taxes that being added. Wealthy ppl don't pay any taxes. Whereas me being tax on student loan for {$5000.00}. It being taking advantage of as being XXXX, older as man.

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 2022-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
I tried to deposit my money onto the crypto.com exchange XX/XX/22 and still have not received my funds. 

Customer service has been terrible! 
They refuse to tell me why my funds are frozen, and will not give me a timeline as to when I can get my funds. 

I have been reaching out to them every morning, and I was reprimanded by customer service for being a hassle!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have a {$110.00} delinquent balance on a Wells Fargo Secured credit card from over 6-7 years ago. I have contacted Wells Fargo numerous times over the last 3 years to resolve and pay this amount and I keep getting told that they cant pull it up in their system. It is hurting my credit tremendously and Im not sure how to fix it if Wells Fargo cant accept payment from me or find it in their system.

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