vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UMB FINANCIAL CORPORATION
State: PA

Complaint narrative:
UMB Health Care Savings Account transfer or roll-over request XX/XX/2021, documents completed by our bank, XXXX XXXXXXXX XXXXXXXX acting as trustee, signed by us and sent to UMB Bank XXXX No action taken over six weeks. On XX/XX/XXXX we called their customer service. It was extremely difficult to understand the representatives who were also unable to assist us. They refused to transfer us to US based customer service nor any supervisor. Finally after hours on the phone a person agreed to assign a ticket number XXXX which resulted in no action as of today despite another phone called made yesterday, XX/XX/XXXX. I even tried contacting them through XXXX XXXX with the complaint and did get a response that a senior management person of customer service would be reaching out to me yesterday XXXX afternoon. That did not happen. As of this morning, XXXX XXXX still remains in the UMB HSA account with two monthy administration fees charged since our transfer request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
Midland Credit Management has been calling me daily without leaving messages. I recently paid off my credit card debt so I have no clue what this is in regards to. They call early in the morning and it is extremely irritating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have had just open a. Accounts with coinbase and a new phone service with XXXX my SIM CARD was access and my phone was no longer in working condition to make calls or receive texts when I complain to coinbase they said theres nothing they can do to return my money after weeks of having to email them over and over again they only gave a ticket number which is # XXXX, I had over XXXX $ and theyre not giving it back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: PA

Complaint narrative:
I am submitting this complaint myself. There is no third party involved. 

The Fair Credit Reporting Act ( FCRA ) is intended to protect consumers from invasions of privacy, and my privacy as the consumer has been invaded ; I sent 2 letters already to this reporting agency where I provided my written instruction to remove/delete : 1. Public Record ( Bankruptcy ) ; 2. Accounts in collection / charge-offs ( if any ) ; 3. Negative / late payments from open and closed accounts ; 4. Inquiries, soft and hard ; 5. Personal information ( addresses, telephone numbers, Spouse/Co-Applicant, Employers ), and if they could not remove/delete, I asked them to provide the investigated report that was used to verify these records/accounts, to provide written authenticated proof of authority sworn under penalties of perjury upon their commercial liability insurance, to provide written authenticated proof of claim sworn under penalties of perjury upon their commercial liability insurance, among few other things, to be able to verify/validate the accounts and other records I disputed ; Some items may or may not have gotten removed already but the most impacting to me is the Bankruptcy record which has not been deleted yet. This company along with the furnisher ( XXXX ) claim to have obtained this Bankruptcy record from local/state/federal courts but in the evidence I attached, you can see that United States XXXX Court advised that they do not furnish this type of information to any Bureaus or Credit Reporting Agencies so why is this company reporting this ; Also, in accordance with 12 CFR 1022.41 ( c ) ( 2 ), a furnisher can not be a consumer reporting agency as defined in section 603 ( f ) of the FCRA, however, as mentioned, this record was furnished to this reporting agency by XXXX who is a reporting agency ; Lastly, there are inconsistencies and inaccurate information across all three of my consumer credit reports which lack integrity from the furnisher ( s ) in accord with 12 CFR 1022.41 ( d ). For example, the XXXX  record in the XXXX report is showing a different address for the Court which is different than what XXXX shows, and Equifax does not have any address at all ; I asked for documentation to be provided to me if any of my disputed items/records can not be deleted and this has not been granted. Therefore, I want these removed as soon as possible if such evidence does not exist. 

Proof of the letter from Court and portion of my 3 consumer reports are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
The following letter was sent to Office of Comptrollers on XX/XX/XXXX, XXXX They referred me to your office. I attached at the bottom the promotion sent to me XXXX XXXX XXXX XXXX, Pa XXXX Comptroller of the Currency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I read your mission on the web page, and your mission is the exact service that I need. 
On XXXX I took a postcard I received in the mail for a bank promotion through XXXX XXXX  to the XXXX, PA XXXX I showed the representative, XXXX XXXX, the postcard stating the incentive of {$200.00} for deposit of {$20000.00} in savings account for three months and {$300.00} for {$2500.00} direct deposit in 90 days, XXXX XXXX talked with the manager, XXXX, and said I qualified for the promotion. She put together the paperwork, and I signed the documents. The next day, I went over to the XXXX XXXX XXXX and veritfied with XXXX, the manager, the paperwork for the routing numbers for my unemployment checks. 
On XX/XX/XXXX, I stopped by the XXXX branch and asked a representative named XXXX if the branch posted my promotional money. She told me to go home and look at the promotion I had. She told me I never opened a checking account. I called the national branch and talked to a XXXX. Nobody returned a call. On XX/XX/XXXX, I called the national number and was somehow connected to XXXX from New Jersey. She said XXXX from Exceptions Department would call me back. No call I called the manager, XXXX XXXX, and he did call me back. He was professional In his handling of my frustration ; however, his support of his representative did not allow him to see my side of the situation. I told the representative what I wanted, showed her the promotional card, and provided the bank with my routing numbers and a check. It was very clear that I wanted to take advantage of the promotion. XXXX XXXX said it was not clear I wanted a checking account.he did not even work at the bank at that time. He refused to give me the {$300.00}. Also, I found it more than a coincidence that the {$200.00} for the savings account was posted on XX/XX/XXXX, the day I questioned the bank. 
I need an an agency that can supervise XXXX XXXX  to ensure that they are operating in a safe and sound manner, make sure the bank complies with the laws and regulations, and treat customers in a fair way. I am wondering if the employees are told to only open the savings account saving the bank {$300.00}, but getting my direct deposit money. Also the coincidence of the promotion money being posted XX/XX/XXXX. I have enclosed a copy of the promotional card. If there is anything else that I can provide you in your investigation of this bank, and in particular, this XXXX, PA branch Sincerely, XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XX/XX/XXXX, XXXX {$550.00} XX/XX/2021 - {$440.00} XX/XX/2021 - {$66.00} Dispute through the Goldman Sachs card service XXXX but they take super long on their service and dont allow you to use the card while these transaction go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
On Thursday XX/XX/2021 I contacted a XXXX XXXXr to fix my car 's sunroof, we agreed on {$500.00}, I paid him {$400.00} advance, the next morning ( XXXXy XXXX ) I called him regarding cancelation of the service and a refund because my dealer asked me to fix the sunroof through them, he said I will refund you on Monday or Tuesday of the next week, however he never refunded me, I contacted him again on XX/XX/XXXX and XXXX, his response was ( Theoretically I don't have to give you anything back, take {$300.00} or don't call me back ). I contacted my credit card issuer around XX/XX/XXXX and disputed the charge, they promised to resolve the issue in 90 days, it never happened, I called them back on XX/XX/XXXX or so, they said the case was never moved forward but we will do it today and I have to contact them back in 30 days, I called them back on XX/XX/XXXX, still the case was not resolved and they asked me to wait for 10 days because they will escalate it and somebody will be in touch with me, nothing happened! I called them back 14 days later today ( XX/XX/XXXX ) they said we will escalate it to the dispute department and somebody will get in touch me in XXXX to XXXX business days! I can no longer trust their promises because they've been saying the same thing over and over again for about 7 months.

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 2021-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TN

Complaint narrative:
Specialized Loan Servicing ( SLS ) became my loan servicer after purchasing my loan from XXXX XXXX loans. I paid my first payment to XXXX XXXX  loans on XX/XX/21 as scheduled. On XXXX, XXXX forwarded the payment to Specialized Loan Servicing as they were the new servicer. On XX/XX/21 at XXXX, XXXX XXXX for the forwarded mortgage payment check at their office in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX by someone with the last name of XXXX ' XXXX I have since made 5 phone calls asking the payment to be applied to my account and asking the company to stop the harassing phone calls about 'a missed payment ' as they had the check and there was proof of delivery. Each time they state they don't know where the payment is but there is proof of delivery and they are now assessing late fees even after multiple calls asking them to please look for the payment. I have emailed them copies of the proof of delivery, screenshots of my bank account deduction from the previous lender and tried to fix this on my own but i cant get help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I paid this account more than 45 days ago Directly with SANTANDER FINANCIAL Im sending the letter Santander Sent me as a prove. ( Attached ) I did A dispute with XXXX : no solution, no changes Im really frustrated paying everything trying to do the best I can to raise my credit score please I need assistance to delete or change this in my credit report. 

Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
I took out a title loan XXXX XXXX, 2021 at Loan Star Title Loan XXXX XXXX XXXX  XXXX for XXXX. My loan payment was due XX/XX/2021. I called to make the payment XX/XX/2021. Unfortunately, my car was hit by another car and totaled on XX/XX/2021. 
I notified the XXXX XXXXompany. The XXXX  company sent a payoff request to Loan Star title XXXX and Loan Star title requested XXXX to payoff a XXXX loan less than 60 days. I called and spoke to XXXX at XXXX. I advised her this is considered predatory lending. She stated Loan Star Title would refund me the over stated interest shown on the pay off. I can not get her or anyone in her office to answer or return my calls regarding my refund check. I was charged ~ {$1700.00} in fees for a loan less than 10 days past the due date due a car accident that wasnt my fault. I am requesting your assistance to help protect people needing this type of service against senseless predatory lending in Texas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
We entered into a timeshare agreement in XX/XX/2014, within XXXX I called XXXX XXXX XXXX XXXX XXXX XXXX the purchase, I was informed to keep the agreement for XXXX and they would resolve in good faith. They did not honor this agreement, and I engaged legal assistance to absolve my responsibilities in this scam.

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 2021-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I opened a checking account at Citizens Bank many years ago. In XXXX, I legally and officially had my name changed. I brought the necessary paperwork to my local Citizens Bank branch to get the name changed on my account. Citizens was very resistant to making this change. I had to bring the paperwork back to them several times because they either ignored it or claimed that it had been lost. After months of hassle and discrimination, I decided instead to close the account completely. I requested that the account be closed after I emptied it in XX/XX/XXXX. Somehow, before it was completely closed, another charge appeared on the account and Citizens refused to close the account until the charge was covered. 

If Citizens had complied even once with any of my requests, there would not have been any charge that went through to that account. However, now I can not close it and it continues to accrue hundreds of dollars in fees. 

Additionally, my XXXX stimulus payment was later deposited into that bank account since I could not stop it in time, and Citizens used my stimulus money to put towards the charges that they created. 

Because the bank did not do me the service of changing my legal name, and treated me terribly, and subsequently stole my money, I am very angry and upset. I am already in a very difficult financial position and I did not expect my bank to contribute to that position as their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: MD

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I've been trying to resolve this acct since XX/XX/2018 with no resolution from XXXX and XXXX. I have sent SEVERAL account verification requests and this acct with BOA # XXXX has not been verified by XXXX XXXX XXXX. I also sent a validation request directly to BOA and they couldn't verify the requested information. I have attached letters sent to credit bureaus and BOA. Also there's attached the answer from BOA with the validation request. 

I need your help to resolve this matter. Thanks for your prompt response and cooperation with 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 2021-12-07 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: FL

Complaint narrative:
I've been trying to resolve this acct since XX/XX/2018 with no resolution from Experian and XXXX. I have sent SEVERAL account verification requests and this acct with XXXX XXXX XXXX has not been verified by XXXX or Experian. I also sent a validation request directly to XXXX  and they couldn't verify the requested information. I have attached letters sent to credit bureaus and XXXX. Also there's attached the answer from XXXX with the validation request. 

I need your help to resolve this matter. Thanks for your prompt response and cooperation with 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 2021-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I TRIED TO OPEN A CHECKING OR SAVINGS ACCOUNT WITH CHASE BANK AND ALL 3 TIMES CHASE DENIED ME AN ACCOUNT DUE TO " MY " FILE '' WITH CHECK SYSTEMS. I CONTACTED XXXX XXXX AND GOT MY REPORT FROM THEM AND IT HAS XXXX ACCOUNTS FOR ME AND XXXX NEGATIVE REPORTS FROM BANKS AND MY WHOLE FILE HAS NOTHING ON IT. CHASE IS DISCRIMINATING AGAINST ME BY NOT LETTING ME OPEN AN ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
HIGH 22 % interest rate Unable to effectively dispute transactions with Apple Pay since they only see it as a money transfer service when its a part of the XXXX XXXX XXXX restricted when I have available balance Always declining transactions Customer Service isnt too helpful Benefits not as useful as advertised

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
I was asked to open a XXXX 's card as a way to earn a percentage off my bill. I agreed, not realizing that the purchase would be put on that card and that I could not pay at the time of purchase. It was a {$120.00} purchase. The card was mailed to my residential address, not my mailing address but because I do not have a mail box in the town of my residence, the card was sent back to the company. I have gone online several times to try to remedy the issue, but can not because I do not have the credit card number to access the account. Starting in XXXX, I began receiving anywhere from XXXX calls a day from a number identified as " SPAM '' by my phone XXXX. I did not answer. These calls continued through XXXX. Daily XXXX calls. Then they diminished at the end of the summer. Then, they began calling my husband who also was concerned that they were spam and did not respond. Yesterday, they called my *uncle* and harassed him. I would LOVE to amend the address issue, but am concerned by the aggressive behavior on the part of this company and do not want to talk with them if I am going to be threatened for trying to fix the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-07 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: CA

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NC

Complaint narrative:
Didn't receive notice of right to dispute. XXXX receive written notice of negative debt before being placed on credit report

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