vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: AL

Complaint narrative:
Acima works with a vendor ( s ) who sell faulty goods ; I purchased two necklaces totaling {$5800.00} ( paying on weekly basis ) on XX/XX/XXXX ; I entered the agreement on good faith, that the jewelry was in-fact real ; one month or so later pieces began to fall off and tarnish ; the seller made me believe it was real ; I contacted Acima to inform them that the jewelry wasnt what I expected for the cost ( via email ) ; Acima responded by saying, u have received this email because you have requested a return of the XXXX gold chain and charm silver necklace with stone leased through Acima, and initiated at XX/XX/XXXX XXXX In order to begin the return process and suspend renewal payments on your lease account, please do the following : Send pictures of all the leased property to XXXX include your telephone number ( s ), and email address, XXXXThis lead me to believe the actually cared about costumers concerns, especially with {$5800.00} cost tag. They later emailed me back after I sent the pictures stating that, Settlement : Acima can offer you a settlement of ( {$1400.00} ) ; This lead me to believe I was infact getting a refund, so I called to confirm my payment, not once did they say you have to pay us during the call, until i asked why would my card decline if i was receiving a refund. It was until then the stated no refund and you have to pay the settlement ; i then asked why would i pay for something that much that wasnt worth the money from the beginning ; I was mislead, I then told them i would call back at a later time to discuss my final discussion on how i would proceed with new information, I informed to stop taking paying from my account and that I would call back ( after my legal paper were sent ) ; but instead they continue to withdraw funds from my account without my permission, this constitutes fraud, deception, unfairness, oppression. ; i had to move the money in a different account so they wouldnt take it, overdraft fee accured ; Acima offers no protection to the client in the case of bad goods, kind of like a lemon car ; it was never a sold as is kind situation. I asked for a full refund. Acima contact XXXX ; violates 15 usc 1692, false rep of character amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
There was a fraudulent checking opened with the bank that was subsequently mishandled, overdrawn, and closed as a result of ID Theft. I have contacted the bank on multiple occasions to let them know that this account was opened fraudulently and they refuse to do anything to help me. The last written affidavit I sent in I attached a copy of my social security card as proof of ID, and they updated the social on the checking account to reflect what was on my card, as the account was opened with a variation of my social security number. These accounts are now reporting to major reporting bureaus and have caused my accounts elsewhere to be closed.

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 2021-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: VA

Complaint narrative:
Netspend by XXXX is sending messages and cards to consumers stating that they chose to open an account with them when in fact it is promotional and from a mailing list. It is deceptive and intentionally so. When I called to inquire about the email sent to me about my new account and debit card that I requested, I was told to just contact my email provider and that the customer service agent could not validate whether I was or was not a customer.

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 2021-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
There was an account opened fraudulently at PNC that I have contacted the bank several times about and they refuse to help me with it. They won't put me in touch with the fraud department or send me any information. This account is now reporting as mishandled and has caused my accounts at other banks to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Apparently in 2017 a XXXX XXXX was opened and used under my name this card was never opened by me nor used by me. I'm now in a collection dispute with the attorneys at Midland Credit Management , Inc . 

I have told them this is fraudulent charges to my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
PORTFOLIO RECOV ASSOC has recently added a collection debt to all 3 of my credit reports which are XXXX, XXXX and XXXX that do not belong to me with a past due balance of {$580.00}. i have never done business with PORTFOLIO RECOV ASSOC or any one they are collecting for, i have never signed documents, contracts or any agreements with PORTFOLIO RECOV ASSOC, i have never provided this company with my social security number, private address or any personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
Periodic, {$5000.00} 2017 Unsure of loss as my business, finance, good faith, & credit was attacked financially by a felon named XXXX XXXX XXXX. 

American Express request to provide account records for forensic analysis referred to arsiwebpay.com & a phone number as follows XXXX by virtual voice which is suspicious. 

Account names XXXX XXXX XXXX Cell Phone Repair Requested complete record information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN

Complaint narrative:
In XXXX of XXXX I was sold a car and remained current on my monthly payments until XX/XX/XXXX because of being negatively affected by the pandemic. My hours at work were cut down to 0. With the passing of the Cares Act, I have become aware that the creditor must report the status of my account as current if an agreement was made after I became delinquent and that agreement was fulfilled.

I have documentation of communication and agreement with the creditor. believe that the creditor wasnt aware of the Cares Act, which is a recent law that included provisions to bring fairness to people that were negatively affected by the pandemic. 

Timeline of Events and Agreements In XX/XX/XXXX the car broke down for the 3rd time from the time I bought it in XX/XX/XXXX. I immediately informed the creditor that I would be forced to voluntarily surrender the car. My hours at work had been cut due to covid and the car needed constant repair. 
Per the creditors request I had the car towed to them and was told the next step was it would be auction. I was told I would receive an Explanation of Calculation of Deficiency in the mail. I did not receive that notice until XX/XX/XXXX. The creditor and I reached an agreement that settled the account on XX/XX/XXXX. I completely fulfilled that agreement 2 months early, in XX/XX/XXXX. 
The only missed payments were from XXXX XXXX while waiting to receive the Explanation of Calculation of deficiency. All payments were made in regard to our agreement. The Cares Act cites that if your account is already delinquent and you bring your account to current the creditor must report that you are current on your loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I added my number to the do not call registry months ago. This company, Recovery Portfolio Services, whom claim to be trying to collect a debt by a third party, call my phone every single day, even Saturday and Sunday. I have repeatedly expressed my desire to have my number removed from their call list and to not be harassed. I have tried to block the numbers myself, but they call from a different number every day. This has been going on for several months now. This is causing an undesirable effect on my mental health and I would like it to stop and for this company to be held accountable for this abuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
Santander Consumer refuse to remove debt from my credit report ; violates 15 usc 1692 ( 1 ) ( d ) the debt is was charged off as profit/bad debt ; so in fact Santander consumer was paid for the debt ; with my social security number, tax write off, commission, and or insurance ( paid by me ; collateral/premium ) ; 15 usc 1693e positive balance The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. ; violates 15 usc 1692, abusive, deceptive, unfair, invasion personal information. I wad always a on time payer until the Gap insurance SC sold me, wouldnt pay off the final balance ; of coarse its always a reason not to pay ; Santander hindered my progression with a better job, car, and home for years ; I never gave Santander permission to report to any credit reporting company, if so it was revoked ; it was 11 years ago when opened why I dont know. When I spoke with them they refused to removed it, thus I thought there was nothing I could do, until now. Santander was paid by my social, tax write off, insurance unknowingly paid by me ( premium/collateral ), and or some type of commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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 the federally protected consumer pursuant to 15 USC 1692a3. I have rights to dispute any alleged or unauthorized accounts and other false and deceptive information on my consumer report. Consumer reporting agencies has to obey the Fair Credit Reporting Act 15 USC 1692b permissible purpose, which I did not give permission to anyone as the consumer I am the only individual who can confirm what is furnish on my consumer report. I call for all these negative accounts to be remove because XXXX has already remove these account and equifax should follow XXXX XXXX well and remove the alleged debt. I have recently pulled my XXXX consumer report and notice accounts that have been investigated and deleted by another credit bureau and still being reported by EQUIFAX. Attached to this letter is proof that these accounts were deleted by XXXX. They just need to be deleted in order to show my true credit history. Attached is the copy of the credit report from XXXX with the accounts being deleted as well as a copy of my drivers license and social security number. Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. If all the accounts listed above arent removed in 30 days as stated in 15 U.S. Code 1681i ( 1 ) ( A ) which directs you on what to do when investigating a consumers file for accuracy without the proper investigation practices Pursuant to 15 U.S. Code 1681a ( e ) which I quoted above ; I the consumer will seek remedy under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ) Civil liability for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: GA

Complaint narrative:
Binance.US enabled my account. They said they refunded XXXX on XX/XX/21 and it made my account go negative. My bank has no record of this transaction. And I never received any refund. I asked them for proof of the transaction and they only stated that I need to contact my bank which I already have. I sent them copies of my bank statements of 5 months as they requested. They have yet sent me my money or unlocked my account. But they did acknowledge on XX/XX/21 that they did not refund the XXXX So why is my account still enabled?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Paypal sent me a notification of some upcoming changes to their user agreement, but doesn't give users a way to see the full text of the agreement, only a basic description of what topics the changes to the agreement would affect. 

I talked with a customer service rep, and a supervisor, and they said the full text wasn't something they could give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
I was charged by XXXX XXXX apartments XXXX for a floor that i did not damage. It was in violation of our rental agreement for them to send the debt to collections with out doing a final walk through or advising me that they where pursuing the debt. Despite me disputing the account with the collection agency and the credit bureau their has not been an investigation. XXXX XXXX apartments can not provide anything to prove the debt only that i lived their.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: U.S. BANCORP
State: NV

Complaint narrative:
On XX/XX/2021, a Contract was entered into with XXXX XXXX XXXX located in XXXX XXXX, NV. Items were chosen for the products. About two weeks later, a call was made to us by XXXX XXXX stating that they were unable to provide the merchandise, because the manufacturer of said products had removed the samples from their store. She then asked if she could send us pictures of another sample. She was told no, we would come in and see what else they had. ( Big mistake ) We did chose something else. After not hearing from XXXX XXXX XXXX  on XX/XX/XXXX, I, XXXX XXXX, made a call to the store. I was told XXXX XXXX was on vacation. However, she left a note stating " That the counter top we ordered was also not available, because they were having trouble getting anything out of California. I then asked her if she had any idea when the material would be available, she answered, " It could be two weeks, a month or longer. '' She also asked if we would come back in and chose something else. I told her, " No. '' I then asked her if the cabinets were ordered. She replied, '' I don't know, someone else is supposed to order them. I asked her to call me back. She never did. On XX/XX/XXXX, I called her and told her to cancel the Order, because by then, XXXX XXXX XXXX had breached the Contract. She replied, " I don't know how to do it. '' I told her I would call the bank and file a Dispute. On XX/XX/2021, I called US Bank filed a Dispute. They reversed the charges. Just like this complaint US was given the information they requested. US Bank only response through emails, stating they are looking into resolving the matter. US Bank did call my cell phone on XX/XX/XXXX, at XXXX. Left no messages. Only after I checked my bank statement did I realize they Bank had reversed the charges. Claiming they could not get a hold of us. They are claiming XXXX  said, they delivered the products. We had sent several emails to XXXX, all to no avail.

US Bank, something about them no able to get the products because of COVID. XXXX  had four boxes of backsplash delivered to our home. At the time we had no idea what XXXX  was delivering. They were left on the porch without our consent. That was the very first time XXXX  had ever been in touch with us after the Contract was canceled. US Bank took their side and gave them back our hard earned money. They said that's what Visa would want. US Bank did call our cell phone again On XX/XX/XXXX, at XXXX XXXX  and leave a message, only after I had made several attempts to reach a " supervisor '' to find out how such a decision could be made.

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 2021-10-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: E*TRADE BANK
State: VA

Complaint narrative:
E*Trade Bank Issue - Complaint - I have both banking and brokerage accounts with E*Trade Bank and there is no way to get in touch with them for a Customer Service issue. They do not staff the customer service numbers with automated or live persons. 

The issue- My account has been restricted because of suspicious activity, which is helpful to protect my account, despite the fact I initiated and authorized the XXXX XXXX transfer from my banking account. I received messages that I have to call them to discuss the issue and un-restrict my accounts and I can not get a person to answer the customer service phone numbers. I've tried every number available from my cell and land lines. I've been on hold for over 7 hours over the course of two days. There is no live chat available, despite it being offered as a link, no we'll call you back option, and no email address available to contact them.

How can this be when banking access and brokerage access is critical to modern life. I would like to close my five accounts due to this horrible non-responsive non-existent customer service but I am unable to reach a person for access to my funds and accounts. 

All the while E*Trade is completing a merger and providing egregious bonuses to their Corporate level executives. Please help? Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: POPULAR BANK
State: DE

Complaint narrative:
I have been trying to close my account and I was assessed XXXX  monthly service fees of XXXX. I was told to bring my balance to above XXXX and the fees would be reversed. I have called twice and they have not been waived and I have been assessed another fee. I shouldnt be required to put money in an account to have fees reversed.

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 2021-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have two Credit Cards with Bank of America and it has been a nightmare. I had to stop using it due to unfair fees and their website not properly working. Mobil app is inaccurate. People, please READ this before applying for a Bank of America Card DO NOT apply for a Bank of America card. On XX/XX/2021 I spoke with a representative from Bank of America and recognized that there was a fee of XXXX plus interest charge on one of my Credit Cards. On my two credit cards, I have my checking account. However, Last month only one of my cards was paid with my checking account. My checking account is listed, but Bank of America FAIL to take the payment. After calling several times now Bank of America representative stated that there are no records about my complaint on the XXXX indicating what the representative had said about refunding the {$25.00} USD and the written complaint indicating that there was not fair for me to be charged a fee. THAT is EXTREMELY SCARY. Citizens how can we trust a company like this. Most of us have been abused over and over and this situation must come to an END, STOP! 

I want the written complaint from the representative that I spoke with at XXXX XXXX  on XX/XX/2021. According to the Bank of America representative that I spoke with on XX/XX/2021 there is no record that I talked to someone at XXXX XXXX  on XX/XX/2021, and stated that the representative did not write a complaint. That is NOT true. 

Bank of America Must get the conversation on XXXX XXXX  on XX/XX/XXXX since the first thing they said is " your call will be recorded ''

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