vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
We are an online e-commerce merchant and one payment method we offer is PayPal. Our PayPal account is configured so PayPal transfers daily sale collections to our XXXX XXXX XXXX account. 

On XX/XX/XXXX, PayPal notified us that {$970.00} has been transferred to our bank. When reconciling our account on XX/XX/XXXX we noticed that this transfer never was deposited to our bank account. 

XX/XX/XXXX - We called our bank and confirmed that the deposit was not completed to the bank. 

XX/XX/XXXX - We called PayPal to inquire why the deposit was missing. We were told that we need to wait 7 or 8 days to see if it shows up in our bank account even though other deposits after this missing deposit were transferred correctly. 

XX/XX/XXXX - We called back and told we had to wait an additional 72 hours. 

XX/XX/XXXX - Called PayPal and was told that a trace on the deposit was initiated ( ticket XXXX ), Wait an additional 36 to 48 hours. 

XX/XX/XXXX - Called PayPal and was told that the deposit was reversed and it would take a couple of days to show up in our account. 

XX/XX/XXXX XXXX XXXX said deposit was never reversed. Initiated a new trace ticket ( XXXX ) and he would give us a response in 4 days XX/XX/XXXX No response from PayPal. Called PayPal and spoke to supervisor XXXX. Investigative tech team still working on the deposit ( XXXX XXXX ). When pressing him as to when I should call back, we were told XX/XX/XXXX. 

XX/XX/XXXX - Called spoke to supervisor XXXX. Still no resolution on investigating the missing deposit. Said he would issue a XXXX XXXX of {$970.00} to our account while PayPal continues to investigate the missing deposit. It may take a couple of days to appear in our account. 

XX/XX/XXXX - Called and spoke to supervisor " XXXX '' who said the deposit was reversed and the case was closed. It took 2 hours on the phone with XXXX for him to research the issue and agree that the deposit of {$970.00} has still not been deposited to my bank account. Requested that a " Manager '' call me to clarify why PayPal 's investigative department has not found where the money was actually deposited to and as of today ( XX/XX/XXXX ) we have not received a callback and the missing funds have not been deposited to our local bank account. XXXX created another ticket XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On Thursday, XX/XX/2021, I received three ( 3 ) email confirmations for a Saving account opening at Well Fargo. I immediately called Wells Fargo and the account is being investigated.

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 2021-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA

Complaint narrative:
I have made multiple attempts to correct this directly with mortgage company. I have a conventional mortgage with Community Loan Servicing I have made multiple additional principal payments that have not been applied to the principal balance. When I utilize their online payment system I choose for payment to be applied to principal only. There are several payments that show a suspend status. We have made {$15000.00} in principal payments and my principal balance hasn't lowered by much. Please contact me XXXX to discuss further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: FCC Finance, LLC
State: GA

Complaint narrative:
XXXX XXXX Last XXXX On ( XX/XX/XXXX ) I discovered ( FCCFINANCE {$8100.00} XXXX ) had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item according to FCRA section 611 ( a ) ( b ). I did not receive any such notification. 

XXXX removed account according to do XXXX and XXXX Dispute file numberXXXX XXXX XXXX Creditor has agreed to remove account FCCFINANCE {$8100.00} XXXX This account is a fraudulent account and continues to be reported.. I filed a affidavit with the FTC on XX/XX/2021. 
My FTC report number is as follows ( FTC Report Number : XXXX ) XXXX XXXX {$5100.00} Account number XXXX FCCFINANCE {$8100.00} XXXX Also my information was breached due to the XXXX security breach which I have also filed a claim ( XXXX ) This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy under section 623 and section 611 I demand to know the methods that were used to verify this fraudulent account in writing. ( date account was established, balance owed, a copy of my original signature agreeing to terms and conditions, etc I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

Please delete this item immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
XXXX XXXX Last XXXX On ( XX/XX/XXXX ) I discovered ( XXXX  {$8100.00} XXXX ) had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item according to FCRA section 611 ( a ) ( b ). I did not receive any such notification. 

XXXX removed account according to do XXXX and XXXX  Dispute file XXXX XXXX XXXX Creditor has agreed to remove account XXXX {$8100.00} XXXX This account is a fraudulent account and continues to be reported.. I filed a affidavit with the FTC on XX/XX/2021. 
My FTC report number is as follows ( FTC Report Number : XXXX ) 1ST FRANKLIN {$5100.00} Account number XXXX XXXX  {$8100.00} XXXX Also my information was breached due to the XXXX security breach which I have also filed a claim ( XXXX ) This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy under section 623 and section 611 I demand to know the methods that were used to verify this fraudulent account in writing. ( date account was established, balance owed, a copy of my original signature agreeing to terms and conditions, etc I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

Please delete this item 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 2021-12-30 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I disputed a charge with the credit card company " CareCredit '', for services not rendered or given as described. The clinic I used my " care credit card " at is a scam, they did not do what I paid for and I now have to get XXXX  XXXX to repair what they attempted to do, I am still out of work for something that was suppose to be 24 hour downtime! I have had to seek on going medical care and will need 2 more surgeries just to get back to normal and go back to work. I sent in a dispute to " CareCredit '' with of the documentation and photos of the fraud the clinic is on 5 seperate days.Care Credit did not notify me of the outcome of my dispute! The have closed my account and I had to call and see what was going on they couldn't even tell me! They said " It looks like your dispute was ruled in the mechants favor on XX/XX/XXXX because we could not decide '' I was never informed of this, secondly if CareCredit could not decide then why am I stuck paying a bill that I didn't not get the services I paid for as they were described and now have to see additional doctors and additional medical expenses? On top of all of this my account has been closed! No one at synchrony Bank or CareCredit could tell me what happened to my account, I have been dealing with the for 3 days trying to get this resolved, I am unable to make a payment or view my account online and they have instructed me to " just open another account '' so unprofessional! I have had this account for several years and never so much as missed a payment!!! And last but not least there's no way they could have reviewed the documentation and proof I sent in to back my dispute claim because they ruled on the merchants behalf before all the proof was even sent!!!

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 2021-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Rash AND Associates called my phone for a debt collection for my daughter XXXX. But they called my number XXXX. Please I have asked them to stop calling this number, but they continually call. Would it be possible to have them stop calling this number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is currently violating FCRA 611 USC 15 1681i ( 5 ) A { Treatment of Inaccurate or Unverifiable Information } FCRA 611. ( See enclosed copy of actual FCRA violation ) and 1681i ( 8 ) Expedited dispute resolution ( See enclosed actual copy of FCRA Violation ). On viewing my latest TransUnion credit report and for the 3rd time TransUnion has failed to include information that I know is important to providing a complete accuracy of my TransUnion Consumer Credit Report ... TransUnion Deleted my XXXX XXXX XXXX XXXX account # XXXX ..without my authorization. TransUnion inaccurate reported this on XX/XX/2021, XX/XX/2021 File # XXXX, and on XX/XX/2021 file # XXXX. ( See enclosed copy of reports ) XXXX XXXX XXXX XXXX XXXX was deleted for retaliation for i requested my social security number be corrected on my file. I could not access my XXXX XXXX XXXX XXXX XXXX when TransUnion. Changed my Social Security Number on my TransUnion credit file. This has cause me to lose a valuable business contract and damage my chances to gain the credit needed for my business. Note that both XXXX and XXXX are reporting this account, ( See enclosed copy of reports ). According to 616 { 15 USC! 681n ( 3 ) b Civil liability for willful non-compliance

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 2021-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
this message is for bank of america. i was the victim of fraud and id theft and i want them to close the account. i will attach police report and ftc id theft report. i do not want to take any chances. also, they kept charging me high interest and fees on the card they then put me under a special program for the card after i complained about this some time 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 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have reached out to all 3 credit bureau to update my personal information on my credit profile. I will attached documentation to prove the removal of incorrect information. I also just found out that several inquiries are also on my report that are fraudulent. According to the FCRA section 611 ( a ) ( 5 ) ( B ) it's a violation to insert deleted items back on to my credit.

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 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reached out to all 3 credit bureau to update my personal information on my credit profile. I will attached documentation to prove the removal of incorrect information. I also just found out that several inquiries are also on my report that are fraudulent. According to the FCRA section 611 ( a ) ( 5 ) ( B ) it's a violation to insert deleted items back on to my credit.

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 2021-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CHECKredi of Kentucky, LLC
State: NY

Complaint narrative:
I made a payment for a returned check via payment portal. Then the very next day they charged me again. I was assured on XX/XX/XXXX that this would not happen and that I had a XXXX balance. I called on XX/XX/XXXX and was merely inquiring about the debt. On XX/XX/XXXX I made a payment online and confirmed receipt and confirmed that I would not be charged via ACH transaction for this debt. Call on XX/XX/XXXX was at XXXX, call on XX/XX/XXXX was at XXXX. When I called today at approx XXXX they denied existence of second phone call and when I told them I recorded it they magically produced it. They claimed that the representative was referring to my payment via ach and not via online but I specifically pointed out to the representative on XX/XX/XXXX that I was referencing the online payment to prevent any ACH payment and he acknowledged that they would not charge me. The very next day they then did transactions which put me further into the red as I now am unable to pay a resubmitted check from another merchant and was not expecting to have the funds be depleted via checkredi. The collector is CHECKredi of Kentucky LLC, XXXX XXXX XXXX, XXXX, KY XXXX. Reference number is XXXX. This company pressured me into making an online payment knowing full well that I would be double charged via ACH transaction and would then have to fight to get my monies back from them. They also engaged in deceptive practices in both phone calls providing false assurances and claiming that I was abusing them and when I pointed out that I was not using foul language or being abusive in anyway just interjecting when I needed to point out on a recorded line that they were being misleading then they insisted that they would not be able to help me. It is important to not use any type of check pay service to get a discount at convenience stores and gas stations. it is also important to not use a checking account to pay utilities or the like as they will have direct access to your monies and NSF fees can eat you alive. In addition use a debit or credit card that has fraud protection and preferably a credit card to make any transaction so that you have recourse should the vendor/servicer not provide you with goods rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: LA

Complaint narrative:
I have been using CoinBase to buy, sell, convert, send, and receive cryptocurrency. In a recent audit of my transactions, it appears as though CoinBase has been charging me hidden fees for conversions from one coin to another when the transaction pages clearly state that there are no fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
the message is for exeter finance. i was the victim of fraud and id theft and i called the company about this so that they were aware. i explained to them that i want the account closed due to this. they refuse to do so, and i will be getting the NC DOJ involved sooner or later. i sent them a copy of the ftc id theft report and a copy of the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: OneMain Finance Corporation
State: AL

Complaint narrative:
I have a high interest loan with One Main Financial that I got back in XXXX XXXX. Interest rate very high at 36 %. It is 59 payments. I believe I have made about 32, because there were 2 payments returned in XXXX. I made 17 payments late and there's 5 % of the unpaid amount charged for each late payment. So I made some mistakes and they seem to be costing. But I can not wrap my brain around the pay off amount today being XXXX when the original loan was XXXX. My total actual payments until XX/XX/XXXX were XXXX, applied to principal was XXXX, applied to interest was XXXX. So I have the following concerns : a. XXXX of my actual payments are missing since the amount to interest and the amount to balance does not add up to my total actual payments made. 
b. I have paid almost all the total interest due ( due is XXXX ) at this point with still 27 payments left if I were to go to the end of the payment period ( 59 payments ). Why were they applying only XXXX or XXXX or such low amounts like that to principle on so many times? 
c. If I pay this payoff amount of XXXX, add that to my total payments of XXXX that is XXXX. The total I should have to pay if going the whole 59 months would be XXXX. So I am only XXXX from paying the total even though I am trying to pay it 27 months early! And even if I subtract what they say I owe for in " forborne principal and/or interest '' that would be XXXX - XXXX = XXXX ( payoff ). Add that to XXXX and you get XXXX which is still Only XXXX left to pay ( for the last 27 months ). 
d. Please check if all this is legit. I am trying to pay things off so I can retire at some point, but I want to pay off legitimate amounts. 

Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: CO

Complaint narrative:
They called multiple times from different phone numbers threatening 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 2021-12-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I keep receiving emails with my personal information from a XXXX XXXX stating that I owe them money XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: SC

Complaint narrative:
I asked commonwealth financial for info on this acct and they could not give it to me. I asked if they had signed hipa form and they stated they did not. Told me to call original creditor. I called XXXX XXXXXXXX XXXX and after being transferred and on hold for over 45 mins they told me they have NO OUTSTANDING BILLS for me. XXXX from their office told me to call XXXX I spoke to XXXX and he said he sees were this was disputed but they keep confirming the debt. He told me to call CFPB and file a complaint.

Company response to consumer: Closed with explanation