vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: OR

Complaint narrative:
I have the money to pay my account in full and was Willing to do so but after receiving legal advice, I requested an email or letter in writing stating the XXXX would be paid in full and taken off my credit report. I was told, " we don't do that! ". I explained several times, I was prepared to pay the above amount in full but needed something in writing. I even suggested they send me a simple email with a letter stating the accepted pay off amount and removal of account with all three credit bureaus. Once again, they refused. I can not go against my legal council in this situation and don't understand the apprehension. In addition, they are strongly opposed to my wanting a paper trail by paying with a money order. Once again, I was advised by legal council to not give any bank account information. They are destroying my credit by hitting me with late payments and are unwilling to accept payment in lieu of this simple email.

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 2021-01-16 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: CITIBANK, N.A.
State: VA

Complaint narrative:
Citi claimed that the bonus will be post on my account by XX/XX/2021. While it is already mid XXXX and not a penny of the {$700.00} bonus has been post.

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 2021-01-16 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX refuses to remove a fraud alert placed in my account after I have verified myself to them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: First Technology Federal Credit Union
State: WA

Complaint narrative:
I had contacted FirsTech numerous times requesting them to update my credit and payment information with regard to my loan which was brought to current since XX/XX/2020. Yet as of today, the information has not yet been corrected and i had to finally to escalate the issue in person at one of their locations and was told " it will be taken care of '', which they had said to me many times in the past. 

This has causing the delay in my refi with another lender and having them questioning me for the loan status which shouldnt have been an issue had First Tech did their job at the first place.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: LA

Complaint narrative:
My chime bank account was hacked into like hundreds of other consumers. Someone transferred {$1700.00} out of my account through the pay friends feature. This was my entire paycheck which was direct deposited on XX/XX/XXXX and the transfer occurred on the same day. I had previously contacted chime about text messages that I was receiving about my account and they said not to worry about it. Now Im being told that I have to wait 10 days to see if I MAY be eligible for a credit. Until then, I have no money and when I asked to speak to a manager they disconnected the call. So far, I filled out an affidavit and emailed and faxed it back like hundreds of other consumers. I am unable to speak with anyone other than the person that answers the phone first when they decide to answer the phone. This is very frustrating because its as if they couldnt care less. After reading the reviews I read today, this bank should be closed down because this happens a lot in the same manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I made approximately $ 30k in purchases at XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX. I was encouraged by XXXX XXXX XXXX to open a credit card with them so that I could save 15 % -20 % .. I normally do not open store credit cards, but since the discount was so large, and on this size purchase, I did so, and it was clearly something they were promoting. The credit card is through Comenity Bank. I did not receive a statement from Comenity Bank until XX/XX/XXXX. The statement had a finance charge of {$27.00} and an interest charge of {$800.00}. I immediately contacted Comenity Bank. After discussion with 3 individuals with Comenity, they refunded the {$27.00} but refused to refund the {$800.00} saying that there was one statement prior to the one that I received and the interest accumulated since the first statement. However, I never received a prior statement, only the statement on XX/XX/XXXX. I don't know if they mailed me a prior statement, maybe they did or maybe they didn't. Perhaps it was mailed and subject to the USPS delivery issues we are currently having during the pandemic, exasperated by the XXXX holiday. I know I did not receive it. The general manager of XXXX XXXX XXXX escalated the issue with Comenity to refund the {$800.00}, but they would not budge. They have my credit report at Comenity and can clearly see that I pay my balances in full every month and they have my credit score, which is excellent. It is very suspicious for them not to be reasonable about the fact that I did not receive their first statement when it is widely known and on the news that there are widespread USPS mail delivery issues. Also, the first statement was due on XX/XX/XXXX and I called them on XX/XX/XXXX when I received the second statement - a very short period of time, why wouldn't I have paid the bill 10 days earlier if I had received it? It doesn't make sense for them to be so unreasonable. Perhaps they are doing this to make money. It is completely unfair for them to charge me interest for a bill I never received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-16 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Trans union has placed a public record on my credit file dated for XXXX of 2020 named Texas us bankruptcy and I have asked them to verify this information and send me proof of verification or remove them item and they have refused to send me proof verify this item.

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 2021-01-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 45 days gives a reason to immediately remove those items from my credit report. It has been 90 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had a home equity line of credit with US Bank for several years. It was free cause I had a checking account. I only had the checking account to get a home mortgage with them. I have a high credit score and no credit issues. I did a refi back in like XXXX with a new bank. When I did that I was told I needed to close the US Bank home equity line of credit. I thought we did that through the close process on my new mortgage - which paid off the mortgage I had had with US Bank. 
I received notice during the holidays on XX/XX/XXXX in a letter that I suddenly had to pay the home equity line of credit annual. I tried to close the account on XXXX - before the due date on XX/XX/XXXX for payment. And the bank now tells me I still have to pay the amount and that the draw date was XX/XX/XXXX. The draw date was before they sent me this statement so I could not have known this line was still open. I didn't receive a prior notification that this line of credit was still open after my close of the new mortgage. The customer service rep said a banker could waive at the bank, but at my work campus the branch desk for US Bank is closed cause my work site is closed cause of XXXX.

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 2021-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: OH

Complaint narrative:
TO WHOM IT XXXX CONCERN XXXX XXXX Despite three requests, there is still no PROOF OF CLAIM THIS item listed ABOVE still remain on in YOUR OFFICE in violation of Federal Law. You are required under OHIO XXXXAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One Spark Credit Card was used to purchase items totalling {$100.00} on XX/XX/20 from website https : //www.xinsstore.com/ via paypal intermediary. Products  purchased from a likely fraudulent website for {$100.00} for items that were relatively low in cost from other vendors. 

A credit card dispute was filed, and paypal responded that their vendor claimed : Seller Notes Date and Time XX/XX/20 XXXX XXXX  Notes SEND OUT ORDER BY XXXX HAVE GOT ORDER THANKS USPS tracking demostrated product was shipped to XXXX, MA and left XXXX front porch. On contacting USPS and receiving a call from them it was delivered to a different address with package weighing 17 lbs which would be incorrect for items ordered, so I assume they may have delivered another package, and fraudulently claimed this is mine. 

An attempt to get a refund from the company due to lack of contact information or via website inquiry for was unsuccessful although originally there was an XXXX number. Capital One representative earlier tried to contact number, and was unsuccessful. 

Currently Capital One is unwilling to pursue contesting the paypal transaction or refund the amount lost despite the misleading and clearly fraudulent response by the seller attempting to claim they actually shipped something to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX said that they deleted the debt from all credit bureaus but Equifax refuses to delete the debt. I have sent dispute letters to Equifax XX/XX/2020 and have yet to receive any acknowledgment back. Equifax thinks they are above the law. Per FCRA credit reporting is supposed to be accurate. Equifax has allowed inaccurate information to be on my credit report. The collection agency sent a deletion to Equifax and they are ignoring them. I have inquiries on my credit report that wasnt made by me and yet Equifax still allows them to be on my credit report. I have no choice but to sue them if they dont remove this collection and inquires in 30 days. Equifax needs to know they have to obey the law like everyone else. Equifax is messing up my credit by not reporting accurate information. I cant even buy a house because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Management Control, Inc.
State: TX

Complaint narrative:
When I signed up with XXXX  XXXX through XXXX XXXX, I was told I could exit the contract at any time without early termination fee since I am a XXXX 's XXXX  member. 
I was not satisfied with the service and I call XXXX  XXXX  to inform them and told them that I was going to cancel my service. 
1. On XX/XX/XXXX, the amount of {$610.00} was debited from my account. 
2. I called XXXX  XXXX XXXX to complained about the exit fee that was not supposed to be included in the amount due. 
3. On XX/XX/XXXX, the amount of {$610.00} was credited back to my account. 
4. After investigations, XXXX XXXX XXXX determined the charge was legitimate and asked me to call the creditor solve my request 5. On XX/XX/XXXX, the amount of {$610.00} was debited from my account. 
6. I called XXXX  XXXX several times to request the reimbursement of the exit fee without success. Not receiving any positive feedback from XXXX  XXXX, I called XXXX XXXX to complain about the situation. 
7. On XX/XX/XXXX, amount of {$180.00} was credited to my account by XXXX  XXXX. 
I am surprised that Unilaterally and without any contact with me in that regard, XXXX  XXXX sent my account to collection through Credit Management control. This action damaged my credit score and consequently my reputation. XXXX  XXXX XXXX closed two of my credit cards as a result of my new low credit score I request your help to solve this situation as soon as possible with the repair of my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC opened a Virtual Wallet account for me and it has been a nightmare- but the problems have been happening for years. They charge me $ XXXX month, there is NO grace period for transferring money to cover checks - even if this happens within the same few hours in a day. It is difficult to keep track of transactions as some come out of checking and others out of my spend account!!! They have also changed transaction order to benefit them and charge me more - showing transactions on different days after I had already seen them processed on my end. I want credited for the monthly charges and inaccurate NSF fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
We have 2 accounts with Coinbase, one is under my wife 's name ( With email address : XXXX ) and other is under my name ( With email address : XXXX ), also we had registered both accounts with the same phone number as XXXX. As we plan a trip to our motherland, so we had to change the phone number to access our account when we are out of the U.S, but after changing the phone number on the account with email address XXXX, Coinbase disabled both our accounts, and has blocked my asset and says " Sorry, account temporarily disabled. Please contact support. '' and stated we are not resident of the U.S while it's not correct and we are lawful permanent resident of the U.S, they also have our government ID, address and SSN, I also asked them I can resend or provide them with any other documentation that prove we are resident of the U.S, but they never responded to me. I have also tried to call their costumer service, but their call center doesn't accept calls, also I sent them several messages through their website but they never reply me. I also have attached my driver 's license, green card, last bank statement and last utility bill for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Paypal Holdings, Inc

Complaint narrative:
Hi I have account with paypal, also I have XXXX usd in my account And in previous XX/XX/2020 They limited my account and take all money and sent me message that I can withdraw after 180 days, but nothing happened till now and they don't responds to email Also my balance became XXXX Only have this message in my account {$10000.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 


Can u help me to get my money My email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: Velocity Portfolio Group
State: TX

Complaint narrative:
XXXX is reporting cks prime investments in my credit report as a charge off account with XXXX XXXX XXXX. And I have asked them to investigate this item and send me proof of this account and they have not sent me proof but told me that account was verified. And have not sent me proof of the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/2020 I purchased a Christmas gift for my mother on XXXX in the total amount of {$90.00} including tax. Two days later XXXX contacted me to inform me the seller deleted the listing and took my money. Need less to say I filed a dispute. XXXX closed the case in my favor and gave my checking account full amount for a refund. I spoke with both XXXX and PNC customer service. XXXX told me everything on their end was resolved. I still have yet to receive my funds to my bank account from PNC bank 's end. They offered no help or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Recently I've gotten a direct deposit for louisiana unemployment benifets and I ordered some food then they said my account was suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
After signing up for an account and, by the admission of TD Bank, meeting all of the *listed* terms of the offer, TD Bank has created requirements not in the original terms and conditions, which I have attached. I have also attached my entire dialogue with TD Bank. They just kept making up different reasons depending on who you asked, which shows lack of familiarity with their own terms : 1 ) They claimed that after signing up for an account in XXXX of XXXX and having direct deposits hit in XXXX of XXXX, that my direct deposits did not occur within 60 days of opening. This is not how the calendar works. 

2 ) They then claimed that because I previously had an account, that I am ineligible for the offer. However, the offer terms clearly state " offer is available to new personal checking customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months ''. TD Bank claimed that my prior account was within those 12 months. However, TD Bank has confirmed my prior account from was closed in XXXX of XXXX where the new account was opened in XXXX of XXXX. Again, this is not how the calendar works. 

3 ) Next they tried to say it was in Store only. This was found by me, publically available, online, and the terms even say " available only when opening through a qualifying website. '' - the first sentence of the disclosures. They must be confused here and be looking at the wrong terms. 

4 ) Finally, and perhaps most absurd, is the claim that this violates the term " One bonus per account per Customer and can not be combined with any other offer. '' First, the definition of " combine '' is " to possess in combination '' or " to act together ''. It is impossible to have an account which has been closed for more than a year that used an offer that expire more than a year ago be possessed with or act together with an active account and offer. Second, Td Bank clearly defines the analysis to be on a " per account per customer '' basis - and concedes these are different accounts. 

In my opinion, TD Bank is inexplicably disregarding its very clear terms to the point it almost seems willful, which given the constantly evolving answers that disregard even basic math, feels almost to be a bad faith action.

Company response to consumer: Closed with explanation