vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase promises {$5.00} in XXXX for verifying your identity on its application. I have done so and even received an email stating my {$5.00} is on its way. I have never received this {$5.00} in XXXX after 3 complaints to their customer service dept. I have met all the guidelines for this " promotion '', yet they have failed to come through and its been over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I recently found out that I am a victim of identity theft. A fraudulent account was open with this company. I sent the company a dispute letter, police report, and FTC report. I have not received a response from company. Its been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Management Control, Inc.
State: CA

Complaint narrative:
For the past several months I have been trying to get these accounts resolved. Credit Management Control request that I send them proof of address in which I have. I have yet to get a written response from them and it has been more than 30 days. This account is fraud and needs to be deleted asap. I have attached an ID Theft affidavit, my ID and proof of address ( XXXX XXXX XXXX statements from XXXX ; which was requested by Credit Management control ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
XX/XX/XXXX : Car Accident where vehicle financed was deemed a total loss by Insurer. 
XX/XX/XXXX : Original request for Letter of Guarantee ( LOG ) sent from XXXX XXXX to Hyundai Financial. LOG is necessary to guarentee title once bank is paid off. 
XX/XX/XXXX : 2nd formal request sent from XXXX XXXX to Hyundai : Hyundai confirmed they received the request and it would take 3-5 days for processing. 

We have called to follow up on the dates below and each time they state it will be 3-5 business days. 
XX/XX/XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX informs LOG was faxed on XX/XX/XXXX. XXXX XXXX stated they haven't received it and they don't have a way to contact the fax provider to request a search. 

Called several times after including today ( XX/XX/XXXX ) and still same answer of 3-5 business days. Writer initiated a compliant w/Hyundai Financial and they have not replied. Complaint now initiated w/XXXX and Consumer Financial Protection. 

Original amount financed is {$29000.00} through Hyundai Motor Finance XXXX XXXX XXXX, XXXX XXXX, CA XXXX ; XXXX : XXXX XXXX XXXX will pay : {$15000.00} ; GAP insurer can't move forward until Hyundai issues the LOG, XXXX XXXX pays, and all documentation is sent to GAP. 

Meanwhile Hyundai is still biling me monthly on a vehicle which they are creating a barrier to complete payment and close out loan and the vehicle is no longer in my possession. I've now started to pay on another vehicle ( 3 months later ) and can't afford to pay both payments and now I'm worried if I don't pay Hyundai they will report me for being delinquent which will affect my credit rating. This is in no way noble, honest, or reputable.

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 2021-05-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
They told me due to the fact of me not having a job and its the law they couldn't issue loan for {$600.00} with proof of income {$5000.00} a monthly. I asked federal burial of investigations and they stated ots not a law in Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
I went on COVID forbearnce last XX/XX/2020. I've been trying to come off forbarence since XX/XX/2020. I've called at least 4 times a month to check on my status and they keep extending my forebarnce. I don't know what else to do and they won't elevate this issue. I will now have a partial loan for much more money than I expected because they haven't processed me coming off of forebarance.

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 2021-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Underwood James and Associates LLC
State: NY

Complaint narrative:
On Monday, XXXX XXXX around XXXX, I received a phone call from a company that sounded very reputable and legit, to offer assisting me enroll in their " rapid credit restoration program " regarding my past due student loan. They told me by enrolling with them today, I would be making payments of {$260.00} per month for 5 months ( beginning Tuesday, XXXX XXXX ) and after the 5 months, I would only pay {$99.00} per month for 19 additional months. They told me I would need to send verification of my proof of income, via email. After giving all of my information requested, I began to search their website and immediately realized I had just been potentially scammed. I immediately contacted my bank and started this complaint.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-10 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:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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:
Paypal closed my account for no reason and will not help me with getting it back and going. I am not sure of this is a mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used Paypal quite frequently My email PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
Company never notified me or gave me a chance to verify and pay debt, didn't receive any warnings that debt was going to be attached to my credit report from the company and still to this day cant verify correct amount of debt that was reported, at one point i saw a different amount it looks as if it has changed but not sure because the company never contacted me to communicate it would be attached to my credit report. the company is called convergent outsourcing and the debt supposedly owned is XXXX. The date that is listed is XXXX, my email is XXXX 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 2021-05-10 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: DC

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

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 2021-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Army and Air Force Exchange Service
State: MA

Complaint narrative:
I got out of the military in XXXX, at the time I had a military star card from AFEES. The debt went into collections and they have taken my tax refunds every year since including the most recent third stimulus payment. I just called them and my original debt was XXXX and now 12 years later after taking i would guess XXXX worth of tax refunds they said the balance is now XXXX and that the money they have garnished did not even cover the interest. I know this is a federal debt according to them, but is there anything I am able to do? Does the statue of limitations apply? I saw that in XXXX there was a class action lawsuit in California for this reason and the group suing won because the statute of limitations had been passed long ago.

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 2021-05-10 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: FL

Complaint narrative:
To whom it may concern ; I found an item on the report that is inaccurate. which I Did not Authorize Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: TN

Complaint narrative:
On XX/XX/2021 I mailed a letter requesting an investigation for questionable accounts that were showing on my credit report. It has been almost two months and I still haven't received the results of an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: V and H Portfolio
State: CA

Complaint narrative:
XXXX XXXX is reporting an account ( XXXX {$910.00} ) on my credit files, i have contacted them requesting validation they say that there other company capital management is collecting for them. I contact XXXX XXXX is sending me settlement letters by mail, asking for validation for this account that I have never had business with this company and tell me that they have no account info for me, but that I need to pay the account off with there offer. I have no knowledge of this account with either company. I have attached the settlment offer from XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I have written 5 Letters, directly-indirectly, requesting Medical Data Systems ( MDS ) dba Medical Revenue Service remove themselves from my Credit Reports. I have never done business with this Company. 
They have refused and as a result have damaged by credit worthiness and I have not been able to obtain employment. 

This Company, MDS, obtained and sent me medical records that contained my confidential Social Security Number, Drivers License, and Medical Tests that I had no knowledge of, nor did not I authorize ; this is IDENTITY THIEF ; and is also a direct violation of HIPAA Federal Laws.

MDS placed 3-years old improper medical exams that they were not a Party to nor had a business relationship with on my Credit File.

They completely ignored Federal Regulations? They should be held accountable for these numerous Federal violations.

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 2021-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : JMCB CARD XXXXXXXX XXXX XXXX. 
XXXX, DE XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXXXXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
on XX/XX/2021, i deposit {$2300.00} to my checking account on Bank of American ATM at " XXXX XXXX & XXXX XXXX, XXXX, New York ''. but the ATM only give me a reciept of {$1300.00} in total. i checked my account right away, and there is only {$1300.00} deposited to my account. i asked the people in the branch, they said i need to call the number on the ATM. they can do nothing about it. i called the umber on the ATM, and they opened a case for me and ask me to wait for them to investigate. 
on XX/XX/XXXX, i received a letter from Bank of American told me they can not approve my claim. on my apoint of view, i did put {$2300.00} in the ATM in total, but i only got {$1300.00} in my account. where the missing {$1000.00} could go. there must be a differrent when they close that ATM, how cound they just ignor that much different.

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 2021-05-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
I am in a lease instalment loan with acima credit cost of lease total of the buy out option is {$980.00}. On Saturday XX/XX/XXXX my guitar broke under normal wear and tear due to a faulty guitar that has a bad part on it. Speaking to a proffesional guitar repair company the damage is going to be a few to several hundred dollars due to having to order speacial parts to have to fix it. Section seven states i am liable for loss damage and theft only if i am negligent and they bear the burden of proof that establishing that. I called and spoked to XXXX on XXXX XXXX at XXXX XXXX. She stated that acima does not have to cover it but the warranty from the factory might. Secction 8 at the bottom does advise there could be warrantys or insurances that acima does not offer also in section 8 first sentence states they are required to maintain the property in good working conditions at no further payment cost or fees to me. i have to know pay the cost which cost just as much as the guitar and im know having to wait to pay until acima loan is up or they discharge they buy out payment and make this my problem then to pay for the guitar as stated in the contract. Under the agreement they also own the property hence why they must maintain it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WSFS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
PLEASE PROVIDE CONTACT INFORMATION FOR CREDITOR XXXX XXXX AND XXXX OF DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I applied and was approved a Chase Sapphire Preferred credit card on XX/XX/XXXX. On XX/XX/XXXX, I was billed an annual fee of {$95.00}. As of today XX/XX/XXXX, I still have not received the card from Chase in the mail, and therefore can not activate the card to use any of the benefits associated with the card. I notified Chase in early XXXX that I never receive the card and asked the annual fee charge to be postponed by one month. My request was denied twice because " This fee ensures you receive all the benefits that come with your card and is non-refundable as long as your account is open, '' quoting from the reply I received from Chase. 

I found Chase practice to be unfair and deceptive. First, I could not use any of the benefits for the month of XXXX because I never receive the card to activate. How could I have used any of its benefits while I don't have the card and the card is not activated? The account can be open from Chase 's view, but it is not open from the consumer 's point of view because it can not be utilized. Second, while other card issuers used express mail carrier or sent tracking information, Chase did neither in sending out the card after approval. This makes it very difficult for me to determine when I should expect the card or it has been lost.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
Yes I'm including All credit bureaus to in this complaint. They continue to report this false company from a ( 3rd party debt collector. Fair collections ) saying Verified. After numerous attempts of resolvement after dispute a few times that I dont owe this company or original creditor any amount and to show proof, they finally sent me and I assume credit bureaus fake ledgers that has info inconsistent! First thing was the address in question very noticeable don't know how credit bureaus missed that! 
Is not the address they referring to thats a address in New Jersey and the address in the matter is Pennsylvania address. ( Big red flag ) If these documents came from their records of the Original Creditor how a different address on there as their property?

Then the amount is all over the place, FaKE ledger. I never wrote checks to have them returned then it shows before the move it date of this. Who will allow someone to move in a rental with return checks shows bad character. Thats a computer made signature and the balance don't make sense
and No security deposit info posted. Its a unlawful crime and im suing them after seeing what documents they trying to produce and the credit bureaus allowing it. I WANT A Through look into this with this deleted from my account that's harm to my credit and name. These are Criminal Activity of deceiving to gain money. This been 6 years almost of this and I want to face a judge with this.

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