vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STATE FARM BANK, FSB
State: TN

Complaint narrative:
This is a new complaint that was not resolved or addressed on XXXX On XX/XX/XXXX, StateFarm bank withdrew my mortgage payment in the amount of {$1200.00} and on XX/XX/XXXX StateFarm says it gave me back the money back due to insufficient funds. If there was insufficient funds, the payment wouldn't have taken 30 days to fail. You can see by the bank statements that I am providing that the XXXX payment came out, but was never given back. I informed StateFarm of the error and opened a case. I even provided them with all documentation requested including a track and trace from my bank. I did make a payment on XX/XX/2021 ( to cover XXXX ) and another one on XX/XX/2021 ( for XXXX ) just to make sure I didn't get negatively impacted during my open case. The XX/XX/2021 payment was not accepted b/c of the mortgage servicing transfer to XXXX. I was not notified about the payment not being accepted ( I did receive a confirmation from StateFarm for this payment ) until the transfer. 


Also, I have been impacted on my credit report for a 30 day late XXXX Mortgage payment. This is not true b/c I made 2 payments in XXXX in order to not become delinquent during the claim I had in process with StateFarm bank. I would like to have this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX while at work i received a text message with an attachment of a gulf coast collection bureau letter since i never gave Gulf Coast the prior consent to communicate with me i knew this was a scam and pursuant to 15 U.S. Code 1692c ( a ) this is a violation. In the Attachment they indicated that they were contacting me to collect an alleged debt which is a violation of 15 U.S. Code 1692b ( 2 ). I never replied to this text as I though it was a scam. Then on XXXX, XXXX while at work i received a call from Gulf Coast and pursuant to 15 U.S. Code 1692c ( a ) ( 3 ) and 15 U.S. Code 1692c ( b ) they are in violation since i never gave a third party debt collector prior consent to communicate with me specially not while I'm at work. Then on XX/XX/XXXX I received a letter dated XX/XX/XXXX and in the letter head it had a symbol that indicated the debt collector is in the collection business which pursuant to 15 U.S. Code 1692b ( 5 ) and 15 U.S. Code 1692f ( 8 ) is in direct violation of the FDCPA, furthermore they used obscene language in the letter that to me it was a threat to my reputation and pursuant to 15 U.S. Code 1692d ( 1 ) and 15 U.S. Code 1692d ( 2 ) this is a violation. Then on XX/XX/XXXX i received yet again another phone call from Gulf Coast Collection bureau will I was working at this point they are harassing me by calling me at inconvenient times and when i answer and tell them I'm busy at work they hang up which is also another violation pursuant to 15 U.S. Code 1692d ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I buy a home XX/XX/XXXX ( this home scamed financial XXXX XXXX XXXX in XX/XX/XXXX with fraudulent scam ) XX/XX/XXXX EQUIFAX suffer a Data Breach My SSN has been compromised XX/XX/XXXX I sended my expenses for the compromised SSN XXXX has been received in the address provided for the Administration in XXXX XX/XX/XXXX talk with XXXX and give me my codes Since this month the phone XXXX never response until XX/XX/XXXX and XXXX XXXX. 
Said : " Your File does not exist '', '' we never receive your expenses '' No matter what you will doing nothing wan na change

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: ARS National Services, Inc.
State: CA

Complaint narrative:
From XX/XX/2020 thru the present XXXX XXXX XXXX XXXX has intentionally as a practice reported my credit card account multiple different ways for example one month reporting it as a charge-off then the next month report the account as a collection. 

During the same period, XXXX XXXX XXXX XXXX has intentionally turned my credit card account over to a Collection Agency ARS who would has demanded payment. 

To date XXXX XXXX XXXX XXXX continues to damage my credit and name during and including a time of the Pandemic with my written requests for a reprieve. 

I have also, have discovered that as a practice and policy XXXX XXXX XXXX . removes Civil Small Claims lawsuits nationwide to Federal Court while knowing the consumer has a right within their contract to Arbitration. 

The consequences of this actions are immeasurable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I have opened a business bank account with Citibank N.A on 2019. 

On XXXX they closed my account without previous notification and with no aparent reason. 

I receive on wire on XXXX ( three days before the account was closed ). Total amount was {$12000.00} ( XXXX XXXX XXXX XXXX ). The bank closed this amount and didn't send money back. 

I tried multiple times to call the bank and solve this situation and got no feedback so far. 

ACCOUNT : XXXX/Routing Number : 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 explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
on XX/XX/XXXX, I notice an unusual unauthorized transaction on my account in the amount of {$190.00} labeled on my statement as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX '' immediately I contacted the fraud department which both occasions transfer me twice then ended the call. I reached out through the XXXX and was told XX/XX/XXXX executive managers do not handle fraud on accounts. I would like the return of my {$190.00}. I never left the United States or made any purchases in that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Uplift, Inc
State: NV

Complaint narrative:
On XX/XX/2021 a company called 'Uplift Inc ' placed a hard inquiry on my report. 
I am in the underwriting stage of purchasing a home, therefore, I can not have any inquiries on my report. The points drop has put my mortgage process at risk of being denied do to whomever this company is that made the inquiry. I contacted them and they told me they do not have to remove the inquiry. They were very rude to me and not willing to help me so I called XXXX and XXXX  told me to contact you. 
This Inquiry by 'Uplift Inc ' is fraudulent activity on my report and I request help in the process to get it removed. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: GA

Complaint narrative:
XX/XX/2021 I am very distressed with this matter. I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not recived a response yet. I did my own due diligence and I know the credit bureas have 30 days to reply back and they havent. I feel like the credit bureas are taking advantage of me by ignoring my disputes I took time to send them. Sectyion 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Or I will file litigation due to the stress they cause me. My information was impacted by the Equifax data breach may have got into the hands of the wrong person. I am begging for help at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FCRA violations : XXXX XXXX SENT over 12 months ago : XXXX XXXX XXXX, TX, XXXX any Questions pls contact me at : XXXX Please ask XXXX XXXX XXXX send signed documents : verify signature with Notary or one of their Facilities that they Trust please verify signature : Have XXXX XXXX send loan documents to me of Match : XXXX XXXX {$0.00} Closed 11 charge-offs

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 2021-02-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA violations : XXXX XXXX SENT over 12 months ago : XXXX XXXX XXXX, TX, XXXX any Questions pls contact me at : XXXX Please ask XXXX XXXX XXXX send signed documents : verify signature with Notary or one of their Facilities that they Trust please verify signature : Have XXXX XXXX send loan documents to me of Match : XXXX XXXX {$0.00} Closed 11 charge-offs

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CURO Intermediate Holdings
State: AZ

Complaint narrative:
I dont recognize the loan amount and date and place they open the collection account. 

Initial date and address and the store location mentioned for speedy cash in the amount of XXXX and the location XXXX Texas dated XXXX as per records don't even match my physical presence on that date I was not present physically in the state of Texas. 

I did had speedy cash loan but on a different date and different location and stare which was completely paid and never renewed, I do believe it was duplicated in my name on a different location n time. 

I m hereby attaching sone receipts from XXXX I was driving and food delivering commerce California and was physically present in XXXX XXXX California. 

I dont hv XXXX account anymore but I m trying to retrieve it further, I have tried agency for disputing it credit repair tried self dispute but the collection agency XXXX XXXXXXXX keep on posting it on my credit report back to back without giving me a decision or naturality of fact how can I be possibly physically present at 2 places at same time. 

I have given more proofs via credit repair but I no longer working with them was not satisfy if needed I can provide more

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I received the below offer in XX/XX/XXXX Double Bonus Opportunity Earn up to 60,000 miles! 
XXXX, you've been selected to receive this special cardmember offer. 
No need to enroll! 
Just use your Barclaycard Arrival Mastercard. 
Use your Barclaycard Arrival Mastercard for purchases from XX/XX/XXXX to XX/XX/XXXX and earn up to 60,000 miles.1 2 1 Earn an additional 10 miles for every {$1.00} spent on purchases made from XX/XX/XXXX to XX/XX/XXXX, up to 10,000 miles. 
The miles you earn with this offer are in addition to the miles you already earn with your Barclaycard Arrival Mastercard.

2 Plus, earn 50,000 miles when you spend at least {$3000.00} on purchases from XX/XX/XXXX to XX/XX/XXXX. 

I have met this offer but never received 60000 reward points into my account. I have passed three statements after I met the offer. I have contacted barclays many times regarding this. I was told on XX/XX/XXXX, that I will receive the 60000 reward points for this offer on XX/XX/XXXX statement but I have not received it. Barclays has been continuously cheating me for 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 explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I found out about about my savings account my grandmother had opened for me back in the early XXXX 's in XXXX. The account had originally had been opened at " XXXX XXXX Bank '' in XXXX, Oregon. XXXX XXXX XXXX XXXX Oregon had closed after she had opened it and all their accounts had been transferred to Wells Fargo of XXXX Oregon. My grandmother and I both went into the branch " WELLS FARGO '' in XXXX, Oregon. Sat down with a banker and was informed that my account was nonexistent. At the same time was told that my grandmother had never had a account with them at all, witch wasn't true. I have statements from Wells Fargo for other accounts my grandmother had with my grandfather. I've also went into " XXXX XXXX '' in XXXX, Oregon and they have no record of my account. I've called both branches I don't know how many times now and just today was informed to call " FTC '' and " CFPB ''. I have phone conversations with Wells Fargo recorded where they basically said I was screwed about my account and money that it had been to long and that money had to be in the pot of money that all states have when money goes unclaimed and also that my account had probably been closed due to no activity in the account. Well i thought that it being a savings account their was activity because of the interest going into the account. Well I checked with Oregon and my name wasn't there. So where is my money then? 
I also have another complaint about Wells Fargo. I was informed by Wells Fargo the other day that I had a account opened in XX/XX/XXXX and closed the following day, XX/XX/XXXX. This account was opened without my consent or knowledge. I am very unhappy with Wells Fargo and how they have dropped the ball with not just myself but with my family.

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 2021-02-25 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: Receivables Performance Management, LLC
State: NY

Complaint narrative:
I have previously sent you a request to validate my debt, RECEIVABLES PERFORMANCE MANAGEMENT account number XXXX Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. 
But you did not provide me with the following : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me the you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent or Agent of Service ; Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.

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 2021-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: NJ

Complaint narrative:
On XX/XX/2020, I discovered some accounts on my credit report that did not belong to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/2020, I started my journey of removing accounts that were not mine on my credit report, little by little the accounts have been coming off, unfortunately, I am still getting in the mail collection letters regarding accounts that are part of Identity Theft, the accounts are not mine, I do not recognize them. Sometime on XXXX, 2020, I received a collection letter from UNITED COLLECTION LETTER BUREAU , INC, trying to collect on an alleged debt with XXXX XXXXXXXX XXXX XXXXXXXX. that is part of an issue with Identity Theft. I am reaching the CFPB to do a complaint and accelerate the process of fixing this Issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
After reviewing my credit report, I noticed a collection that I previously told XXXX XXXX account number XXXX and Experian was not and is not mines. They then without any other action reported this debt as being mines. A complete violation of both federal and local laws. Before I file a small claims suit against these companies for defamation of character, I am asking for the CFPB to intervene for removal of this debt that is not mines and that is a result of identity theft. I have attached my police report showing that I am a victim of someone using my identity without my consent. I have also previously sent both my identity theft documents and affidavit to them.

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 2021-02-25 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have contacted Barclays Aviator Business numerous times and to date I keep being told that the miles will reflect on next billing statement. I am now approaching my fourth billing statement and no rewards yet. I email customer service via the website ( account portal ) and its a complete waist of time they are not helpful or resourceful. I call customer service and they only tell me " next statement '' and giving me the run around. I have met all the requirements needed to earn the XXXX bonus XXXX miles and in addition opened an employee account for an additional XXXX miles and also met the requirements. Barclays Aviator Business owes me XXXX miles. I just can't understand why they take so long to post or process these miles per the terms and conditions.

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 2021-02-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: Betterment LLC
State: CT

Complaint narrative:
I contacted Betterment a number of times over the last couple of weeks to investigate investing with them. The customer service personnel are completely inadequate for the task, unable to answer any questions aside from the very superficial info provided on their website. They gave me the runaround and in multiple calls would not connect me with anyone who had the required knowledge. This broker dealer operates on an unethical scam methodology, preying on those who are not sophisticated enough to know what to ask. A number of times the reps put me on hold for an extended time to try to get answers to my questions, only to come back with promises that they would follow up, with just one email response consisting of just a form letter pointing to the website without the ability to interact for required answers. The last rep told me they would charge me to speak with a more knowledgeable person there to provide information needed for me to decide whether to invest with them! This kind of outfit should be banned. As part of the poor organization strategy, the firm should be more concerned with hiring higher skilled employees that are capable of doing their job properly instead of the focus on " diversity '' emphasized on their website. I had multiple conversations with reps on their main cust support line, XXXX, and corp number, XXXX, where their was only a recording and they never called back when I left a message.

Company response to consumer: Closed with explanation