vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC
State: OH

Complaint narrative:
File XXXX Contacted repeatedly regarding a debt from XXXX owed by my father that died in XXXX. Have repeatedly informed them ( both on calls and with letters ) that my father never had services from XXXX. I finally demanded they furnish proof of the charges they say my father owes. They say it is on my dead father 's credit report now that he has a collection against him. When I got the proof it turns out they never even bothered to verify the name or address, but just picked my father 's name out of the blue. We provided death certificate from XXXX for the bills that were from XXXX & XXXX. And we proved by a two-minute internet search that the XXXX XXXX they wanted was really XXXX XXXX XXXX at the address in XXXX on the bills they sent, not my father who lived in XXXX, Ohio and never XXXX. And XXXX XXXX XXXX is not the same as XXXX XXXX XXXX. All of this was provided multiple times and yet they still continue to send me demand letters. They deserve to be put out of business. My time and money should not have to be wasted because they are XXXX. I have asked my personal attorney to draw up a lawsuit for harassment and aggravation, but I would prefer the CFPB put them out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I currently hold the Chase XXXX Credit Card and I'm having difficulties in receiving the advertised benefits of the credit card. This issue specifically pertain to the XXXX rewards program that provide XXXX elite nights based on spending. The issue I'm having is that the rewards elite nights are not positing to my XXXX account, however the points and free certificates are posted a few days after the statement closes. Back in XX/XX/XXXX, I spent over {$15000.00}. This resulted in XXXX XXXX points posting to my XXXX account a few days after my statement closed. However, I did not receive the six free elite night credits that should have also posted. This is based on the advertised terms that for every {$5000.00} spent, I will receive two elite night credits. In XXXX XXXX, I contacted Chase customer service and explained the situation to them and they said that a Marketing team had to look into this as I should receive a response via mail within a couple weeks as there is not way to contact them directly. Back in XXXX, no response was received by mail. However, due to changes in circumstance I've started to put a lot more spend on my XXXX credit card to ensure I can attain my elite status for this year due to COVID. Again during the my recent statement closing, XX/XX/XXXX, I ran into the same issue where my XXXX points posted onto my XXXX account, while my XXXX elite credit nights did not. Once again, I contacted Chase customer service who said someone within the marketing team will take a look and will respond back to me. At this point, I am yet to receive a response and I'm tired of the back and fourth that I have had to go through to get something that is advertised under my credit card terms & conditions. I'm also having no luck in getting anyone to look into my issue, nor am I able to escalate this issue to anyone who can help as I keep being directed to the same response that someone from the Marketing team will need to look into. What makes this even more frustrating is that there is no way to contact the marketing team apart from the customer advisor sending an email to them. As such, the turnaround time to receive a response is unacceptable in this day and age.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I was put on forbearance with Citizens as I was laid off in XXXX XX/XX/2020. I make 75 percent of our income ( wife and I ). I am in the car business and had no idea when we would be able to work again. Citizens differed my payments. By XXXX I was back working. I called citizens multiple times, they have records, and I attempted to get off forbearance. I had logged online multiple times but was not able to make a payment online, I had to call. Wait on hold for hours sometimes just to be hung up on or transferred to XXXX. All because I wanted to pay my mortgage. Online I could only pay the full 4 months due and wasnt allowed partial payments. Which is assanine. Finally I was able to talk to someone and i paid XXXX dollars but I couldnt use it to go towards my payments in deferral only towards principal.!?!?! I then stated since I was backed by the fed that I wanted out of forbearance and my payments added to the end of my loan. They have made it absolutely impossible for me to PAY MY MORTGAGE, now I am broke again, I can not afford to pay XXXX dollars and I do not want to re mortgage my house. I just want my payemtnts deferred added to the end of my loan which is an option I heard the president of the United stated guarantee me I could do. I dont have time to XXXX around on hold and then to non decision makers at citizens bank. To as me to hold for hours Or to fill out paperwork and send taxes is bull XXXX. I lost my job because of COVID, along with the rest of the country.now I have to prove it? Did they not watch the news. Im not proving anything I didnt ask for anyone of this. Now I cant get help. Big banks, do whatever the XXXX they want they always have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My credit cards was charged for more than {$8000.00} transaction from XXXX " XXXX '' website and that is fraud. I do not purchase anything from XXXX. I contacted the chase immediately and report the fraud to them. However, two weeks later, chase still charges me {$8000.00} for the purchase from XXXX. That is ridiculous as I do not purchase anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I XXXX XXXX have been dealing with this debt collector for a few months now and they continue to violate the statutes I have listed below. 
15 US code 1681a # 4 - respect the consumers right to privacy, these companies have infringed my right to privacy after explaining to them that is not my debt they continue to update my credit report monthly.

15 US code 1692a- The term debt means any obligation or alleged obligation, i have explained to this company that this debt is not mine.

*15 USC 1692f- Communicating with a consumer regarding a debt by post card, post card in others words means to bring notice or attention to the public ( credit report ). 
This company has assigned an attorney ( 3rd party ) which they are committing infringement of privacy once again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
The Cares Act suspended qualified student loans payments and interest until XX/XX/XXXX. Navient is only giving a one month suspension. I did not pay my scheduled payment and did not contact the lender as stated in the information at student aid.gov. I was contacted by the Navient and was told I could only get a one month suspension. 

All borrowers with a qualified student loan should receive the entire forbearance period as stated by the law. I request a forbearance from XXXX XXXX and need your help to ensure that my Loan servicer Navient abids by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
This collection agency is reporting the amount of {$67000.00} for a medical debt I don't owe. I sent a letter to this company asking them for information about this debt and they sent me a response saying the following " Medicredit '' determined that the balance on the account is accurate and is your responsibility ''. However, they did not send me any document related to this debt as I requested and this debt is definitely not mine, I am in XXXX, they are also reporting the account as Medical which is in violation of my rights by statutory HIPAA Laws. They also mentioned in their letter a company under the name of XXXX XXXX XXXX, XXXX. I don't have any account with that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Date. XX/XX/2021 Complaint against the Capital One Bank. 

I am a XXXX XXXXXXXX at XXXX XXXX XXXX XXXX XXXX NJ XXXX. I have applied to XXXX for scholarship and for some reason my information was leaked out to scammers. They send me a check of {$3600.00} with a letter that I have been approved for the apprenticeship in the XXXX and will work from home. They also advised to deposit the check and then make some payments to the people on behalf of the XXXX when the money is available in the bank. 

I deposited the check on XX/XX/2021 and on XX/XX/XXXX when I check with the bank the money was available in the account. So, following on their instruction I made 2 payments in the amount of {$500.00} and {$2000.00}, to the people they emailed me. 5 days later on XX/XX/XXXX, I came to know that the check is not cashed and returned to the bank. 
I am banking with capital one for the last 6 years and being a XXXX I do not have any overdraft protection and neither have credit. My father opened this account for me, and he strictly advised to the bank not to pay overdraft or no payments at all if there is no available balance. 

I called the bank and find out that the check was from a scammer, and they paid the money as customer courtesy. I called the bank many times that I am not wholly responsible for the loss as I did not have overdraft protection and if the money was not available then why they pay out for the transfer. why was the balance shown available when there was no actual availability of the funds. 
Before that check my balance was around {$700.00} and I lost that money as well. I lost this money because of the bank negligence. If the money was not 100 % available, they should not make the payment. I asked the bank to provide the details for the people who got the payment from the bank so I could report that to the authorities, but I am not getting any information from the bank about those scammers. 

Kindly help me out as I am a XXXX and unable to afford this loss. 
Documents attached for reference. Please find attached documents for reference. 

Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
I am being charged for two accounts I did not open. Someone used my social security to open this account without my knowledge. The companys name is Affirm Inc.The amount is for {$170.00} and {$140.00} fraudulent charges were made. The date opened was XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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:
Notification from your company that you have entered my account number in the new address to cancel the account on the previous incorrectly opened and deleted address. At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 


Any bank or card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive payments. Funds in your balance will be held for 180 days, after which well send you an email with instructions about withdrawing your funds. 

Reference ID : XXXX my account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XXXX XXXX, I sent Transunion a letter informing them than a closed XXXX account # XXXX was not reporting the late payments correctly, and was inconsistent with XXXX and XXXX. I requested that they conduct an investigation and fix, modify or delete the late payments. I got no response. The letter was delivered via USPS  tracking number XXXX on XX/XX/XXXX and signed by XXXX XXXX On XX/XX/XXXX, I sent a second letter to Transunion regarding the same account mentioned above, and reminding them that they did not respond to my first letter, and to delete the account for the following inaccuracies : 1. Late payment are not accurate and inconsistent with XXXX 2. Payment status not accurate and inconsistent with XXXX 3. Closed date not accurate and inconsistent with XXXX 4. Open Date not accurate and inconsistent with XXXX 5. Last Activity not accurate and inconsistent with XXXX 6. Comments not accurate and inconsistent with XXXX This second letter was delivered to Transunion on XX/XX/XXXX via USPS certified mail tracking number XXXX and signed for by XXXX XXXX. 


As of today XX/XX/XXXX, Transunion has not responded to any of my disputes, failed to conduct an investigation, and failed to update said account as requested in my disputes.

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 2021-03-21 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: Coinbase, Inc.
State: MI

Complaint narrative:
I received emails from Coinbase informing me that twice the amount of money I had authorized for them to withdraw from my checkings account had actually been withdrawn. I contacted them for a detailed report of the withdrawal and a receipt and did not receive anything. They then automatically flagged my account and locked it. I changed my password for security purposes but was still not able to log into my account to access my assets. 

The following are dates in which I contacted Coinbase support : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX I received canned responses from support on XX/XX/XXXX, XX/XX/XXXX, and XXXX that did not answer any of my questions or address the issue. 

My account has been locked for over a month with no status update. 

Many others have been experiencing the same issue and their customer support is nonexistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: NY

Complaint narrative:
XX/XX/XXXX Dear Sir/Madam I am a victim of identity theft. I recently learned that my personal information was used to open an account at Discover Financial Services LLC. I did not open or authorize this account, and I, therefore, requested that it be closed immediately. I also requested that Discover Financial Services LLC absolve me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files. However, I received the letter on XX/XX/XXXX where it was said that Discover Financial Services LLC refuse to close this account and told me that this account belongs to me. After that, I sent to Discover Financial Services LLC all additional documentation as supporting evidence such as Copy of identity theft Report. 
Copy of old NY State ID. 
Copy of Passport. 
Copy of electricity bill ( proof of address ) Copy of XXXX. 
Copy of XXXX. 
FTC Notice to Furnishers of Information. 
And I asked again to remove this fraudulent account. However on XX/XX/XXXX I received another letter from Discover Financial Services LLC where it was said that after the second investigation they concluded that this account belongs to me despite all documentation as supporting evidence. The letter also states that the credit card was sent to XXXX XXXX XXXX # XXXX, XXXX XXXX, NV, XXXX. However, I have never been a resident of XXXX XXXX and have never lived at the listed address. 
This account was opened in XX/XX/XXXX while I was on the territory of the XXXX XXXX. My entry into the United States is listed on XXXX XXXX ( XX/XX/XXXX ). The document XXXX contains a stamp on which the date ( XX/XX/XXXX ) is indicated before which I could not enter the United States. 
For your information, my social security number had many open bank accounts that were successfully closed because they were fraudulent except for this one - Discover Financial Services LLC. Their investigative department insists that this account belongs to me despite all the evidence and all the documents I have provided to prove otherwise. 
At the moment I have lost all hope and do not know how to resolve this current situation. Due to a very low credit score, I can not live a normal life. I can't even afford to rent a house because I get a refusal from all landlords. Please, I am asking for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I paid my balance in full on XX/XX/XXXX and the payment cleared my bank on XX/XX/XXXX and the funds have been sent to them but synchrony bank who services the sams club credit card has not applied the payment to my account. I called today XX/XX/XXXX and I asked to speak with a manager whom which just started making things up. She said there was still a three day hold on my payment being applied due to the large amount. I pointed out to her that I make payments that large every month. She then said it was because I made multiple payments in XXXX and I pointed out again that I have done that before with no issues.

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 2021-03-21 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 opened an account in paypal. My business going well first paypal hold my all money by the reason of inconsistent payment and said it will be added in 21 days. And now they have permanently limited my account and hold my money almost XXXX $ in their account. Now they are saying that i have to wait for 180 days and i don't even know that what wrong i have done. I contacted paypal but they didn't reply me. 
I am attaching that mail they sent me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: TX

Complaint narrative:
I have attempted to dispute the claim for XXXX XXXX XXXX. It is listed on my credit report without an original creditor and it lists terms. I did not have contract with this company and I have not been provided documentation showing how I owe this company. It is reporting a past due amount in which I found out is a violation of the metro 2 standard reporting due to this and no original creditor. No other information has been provided about this company. I have sent a letter once and another response to their updated response twice.

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