vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-04 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have been a BB & T bank customer for over a decade. I am having an issue with the bank and hope either you can help me, or point me in the correct direction of someone who can. 

I submitted my XXXX rewards points for a {$500.00} cashback reward. It never showed up. 

Upon further investigation, BB & T sent it to an old address ... a home from which my family and I moved in 2017.

I reached out to BB & T in 2017 to make the needed address changes. While we moved our mortgage, we still use BB & T for our checking, savings and credit card, and we continued to receive BB & T correspondence at our current address. 

Now, when the reward check went to the wrong address - BB & T states it was because I did not make the proper address changes. That is confusing - as I did, in fact, make the address changes and as I stated, did get BB & T correspondence at my current address. 

I am concerned that BB & T markets its rewards programs as its own. When you log into the program, the BB & T rewards website landing page has BB & T at the top of the page and throughout the rewards online program pages. Yet, now that the {$500.00} rewards check did not find its way to our current address - BB & T responded with my repeated online messages that the problem is resolved because I did not change my address ( on what appears to be a 3rd party vendor and not BB & T ) and will only get the {$500.00} cashback reward if the check doesn't get cashed by someone else. 

BB & T needs to make it clear this is not a BB & T program and that all customer service items, such as address changes, need to be addressed with whoever that 3rd party vendor is. 

Not only am I currently out {$500.00}, I am confident this has happened to other customers as well. 

Can you please help me get the {$500.00} cashback reward that is owed to me? 

Thank you for taking the time to read through this email and for any action you can take to help me.

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 2021-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Systems , LLC at XXXX XXXX XXXX, XXXX XXXX, MN XXXX has been sending me collection notices in the amount of { {$1600.00} }. The Collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I have had to change my checking account information for my personal checking account that pays my insurance no credit card with USAA. I have spent hours on r=the phone with them, speaking to multiple representatives and they all tell me something different. They told me my payments were ok and set up but they did not actually set them up properly causing me to get fees and late payment notices. The insurance side set up auto payments but also did not set them up correctly causing my account to go delinquent. It has been a horrible experience and their representatives obviously are not trained to take calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA
State: NV

Complaint narrative:
On XX/XX/XXXX XXXX XXXX sent in an electronic payment of {$2000.00} to Yamaha motor finance and they as of today still have not applied it to the account and everyday they charge interest on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
Santander Consumer USA. 


I had a car loan with Santander. I had my car for 3 years. I was in a car accident ( hit from behind XXXX on XX/XX/2020. My car was declared a total loss on XX/XX/2020. I had car insurance ( XXXX XXXX whom paid Santander and I also had GAP  insurance ( XXXX  ) whom also paid Santander. They are still reporting this on my credit every month as if i still have the car and reporting late payments. I called and spoke with Santander and told them the car was a total loss and they were paid by my insurance and my GAP  coverage, however they are still reporting this on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
Professional Debt Mediation is trying to collect a debt that is not valid, and in reality are trying to extort me. all information is documented and attached to this claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have been notified by my employer that FIA Card Services, the successor company to MBNA, both of which are or were a wholly-owned subsidiary of Bank of America, is attempting to garnish my wages in the amount of {$530.00}, for an unsecured ( credit card ) debt on which no payment has been made ( original default was longer than 12 years ) for over 12 years, which is time-barred from collection in my state ( Virginia XXXX, after 6 years and violates the Fair Debt Collection Practices Act ( FDCPA ). I also received no notice of legal action from, in, by or in regards to the courts of my residence which is XXXX County, Virginia, from FIA Card Services, via any process server, law enforcement personnel, or other on behalf of FIA Card Services, nor via any official communication from XXXX County General District Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, email at XXXX In XX/XX/2021, I opened an account with Coinbase XXXX, a cryptocurrency exchange. I subsequently made an investment in cryptocurrency, totaling {$3000.00}. After a few weeks of watching the volatility of the cryptocurrency market and subsequent changes to my balance, I decided to sell my position and return my now lower balance of approximately {$2800.00}, back to my bank account. 

On XX/XX/2021, I followed the instructions provided by Coinbase to close my account and withdraw my balance. I converted my cryptocurrency back into fiat currency. I then tried to make a withdrawal and return my money to my bank account. However, the Coinbase software would not give me the option of returning the funds to my bank, but only allowed for a re-investment into another cryptocurrency in which I wasn't interested. Re-reading the Copinbase instructions, I understood that such a withdrawal could only occur after the closure of the investor 's account. So, I officially closed my account, thinking I was doing the right thing to get my funds. However, the closing of my account resulted in my inability to get access to my account, and most importantly, my funds. 

On XX/XX/2021, I began contacting Coinbase support for help. I opened a support case no. XXXX, as well as a formal complaint no. XXXX. Please read the email exchange I'm submitting. So far, they have not addressed my case and I'm asking for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: OH

Complaint narrative:
XXXX, as well as as Receivables Performance are reporting the very same account in collections from XXXX. This is a violation of FDCPA/FCRA regulations. Complaints to be filed with both Ohio Attorney General as well as CFPB. 

The double-dipping of reporting has had a significant, negative impact on my CBR.

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 2021-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: NC

Complaint narrative:
The debt collector, Capital Accounts XXXX XXXX XXXX, TN is attempting to collect an alleged debt from me. The original creditor is referenced as : XXXX XXXX XXXX of  XXXX NC for {$930.00} Acct XXXX On XX/XX/XXXX, I received an email from XXXX XXXX that I have never been a patient at that facility, and they have no medical records for me. XXXX XXXX XXXX has only been in business since XX/XX/XXXX. The debt is being reported having a date of last activity of XX/XX/XXXX. 

The information reported across the three credit bureaus is fraudulent since I have never been a patient of XXXX XXXX  XXXX. I would like this record on all three credit reports deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: WV

Complaint narrative:
On XX/XX/2020, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stenger & Stenger, P.C
State: GA

Complaint narrative:
On XX/XX/2021 I sent a letter to this company requesting documents to verify this debt as well as this company 's authority to collect the debt. I was only sent a billing statement. None of my other concerns were addressed as requested in my letter. This company is also reporting the same debt under different names which is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: NJ

Complaint narrative:
PHOENIX FINANCIAL SERVICES is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt.PHOENIX FINANCIAL SERVICES has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. I recently checked my credit report and noticed an unknown debt on my credit report. This negative account in the amount of {$160.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I received a letter from Credit Collection Services in XX/XX/XXXX saying I had an outstanding debt with XXXX. 

I called to find out information for the debt as I had no record of an outstanding debt to XXXX, a company I made several payments to in XXXX. And I had no record from my medical providers of ordered XXXX testing that was my requirement to pay. Therefore I requested validation of debt. 

Credit Collection Services ( CCS ) did not provide any information on the validation process. They did not provide me with the proper information that would allow me to make an informed decision as a consumer with regards to what the validation process does to your account, how CCS will contact you, the expected ETA of the debt validation process. 

I did not received any additional document from CCS until XX/XX/XXXX. Partly impacted by significant delays with USPS, I did not know to expect the letter, that it had been sent out or how the document would appear. What I received was a red and white lined document with random codes that I called both XXXX ( the medical provider XXXX and XXXX to attempt to verify and could not. There was no official documentation from CCS confirming that this document served as the debt validation and what would happen to my account or payment options. 

I paid the debt at the beginning of XX/XX/XXXX and CCS is now claiming they do not delete their collection record from credit reports, though they have not be clear on whether it is because of how I paid or because they don't offer deletions to any consumer or because the originating debt or does not offer it. 

I still have no record from my medical provider of how these XXXX test originated and simply paid to avoid impact on my credit report though the collection is now showing on my report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CHECK INTO CASH INC.
State: MI

Complaint narrative:
I took out a title loan with Check into Cash on XX/XX/XXXX. Since then, they have been contacting me excessively, even throughout the pandemic. They call me everyday and send me texts messages often. The last text message was sent yesterday, XXXX. They have also sent me emails starting on XX/XX/XXXX. The last email was sent Friday XX/XX/XXXX and they stated that I owe {$4500.00} which is a violation of 15 USC 1692. They also told me a different amount of around {$3500.00} when I spoke to them over the phone. I've sent a debt validation letter, cease and desist, and affidavit of truth, along with an invoice for the violations listed in the affidavit via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: AZ

Complaint narrative:
THE MONEY SOURCE MORTGAGE The money source.com ( XXXX ) XXXX XXXX Loan # XXXX A double payment made on my loan on XX/XX/XXXX through de TMS App and Automated phonesystem. I logged in into the App selected the info that is needed to make a payment. When I submitted the payment it didn't confirm me that a payment was made. A message box appeared and said it could not fetch my loan information. 

That made me think that it was not processed. I tried to login again and the same message came back not even letting me in as it did before. 

What I did was to dial the automated phone option and make a payment in that way. The payment did go throughand got a confirmation for the amount of {$740.00}. What I think is that it should have an option to let you know that a previous payment its pending o waiting to be processed. The app does that. Why not the automated phone system? 

They asked me to send a XXXX XXXX statement where it reflects the withdrawals. The latest PDF statement on my XXXX XXXX account reflects up to the month of XXXX. The bank does not provide direct emails to any company with that information. That was what TMS requested. 

All I wanted to do is to cancel the last payment that is reflecting today in my account as pending. I did not reflect on my account history until XX/XX/XXXX. All I want is to leave the one charge for the month of XXXX that it did go through on the TMS app. I don't understand is why do I have to do all of this loop jumping when is so simple to cancel, stop, reverse a payment that the system glitch at the moment. This can't wait and need to be resolved immediately. The funds are not available and overdraft fees are being charged. I did call on time and they denied me to reverse that second payment not authorized that was a mistake or glitch of the App portal. Still if submitt the info that they need I still have to wait 2 weeks for my money back!!! In the copy that the bank gave me you can see the double charge and one pending and still did not put a stop, cancel or reverse of funds. 
Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I returned a product and the retailer accepted it and approved refund through XXXX. I contacted the credit card company to dispute the charge 3x since XX/XX/2020. They keep stating they investigated and the purchase was valid when I told them that was not the issue the defective product was returned. 

XXXX verified the retailer did a charge back as I had returned the defective product and state the credit card company never contacted them to verify the information. XXXX states by law they can not issue my refund as the credit card company is involved. 

The credit card company is not investigating disputes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
Santander repossessed my car on XX/XX/26 and I still havent received any notice of repossession letter in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: Santander Consumer USA Holdings Inc.
State: MS

Complaint narrative:
i notice a negative item on my credit report from santander consumer usa and sent them a letter on XX/XX/2021 requesting documents about this inaccurate item and i have attached a copy below for your records to assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: NY

Complaint narrative:
Transunion recently removed a bankrupty dismissed remark from my account associated with XXXX XXXX. Transunion and XXXX XXXX blame each other for reporting the remark and I have filed several disputes to both parties neither stated why these remarks were ever reported on my credit or where they came from. Unfortunately my points on my credit score did not change after bankruptcy dismissed was removed. When the bankruptcy dimissed remark was reported to my account XXXX of XXXX my credit score dropped XXXX points. I additionally lost 4 points each month each time I made a payment to the XXXX XXXX account. My score still remains the same as if I had the bankruptcy remark still on my account. Transunion only removed the remark over the phone and not during any of my disputes that I have filed. They did not state the reasons it was removed which would confirm that the remark was never associated with me and never had a house to receive a bankruptcy. Yet my credit score recieved deductions for a remark not associated with the user. A letter was sent with pictures to transunion showing how the bankruptcy remark dropped my credit score. A special handling supervisor XXXX XXXX stated on the phone that even after seeing the points deducted that was never returned that they could not change the points. If a remark was associated with my account that didn't belong to me than it dosent make sense for my points to reflect deductions not related to my own actions or credit use. Bankruptcy dismissed remarks effect credit scores so not sure why after removing the remark my score remained the same. I have documentation of the effects each month. After mailing the letter of evidence transunion did not acknowledge it until I called several times simply to get any response. Each person on the phone gave different response to the issue at hand.

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 2021-06-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: ND

Complaint narrative:
Credit karma Money was a featured promotional option from XXXX XXXX to get my 2020 return and earn extra rewards. 
My card was misplaced. 
No way to expedite new card. 
No way to use digital wallet to get access to money while waiting for new card. 
LIED and said was on XXXX  platform. 
Awful customer service. 
I STILL DO NOT HAVE MY MONEY OR ANSWERS 3 DAYS LATER!!!

Company response to consumer: Closed with explanation