vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-09 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
On XX/XX/21, Purchased a XXXX XXXX gift card for {$200.00}. On the receipt it says activation successful but went to go use the card and it would not work. Called the 800 # which is Vanilla Visa and they said the card was not activated. So I went back to XXXX and they said they can't do anything call Visa back. So I did. I provided copies of the card, receipt, and ID. They came back and said the receipt said misc even though all the numbers from the gift card are on it... they wanted a receipt that said Visa on it. XXXX  went to their receipts and said they do not have a more detailed receipt. They said they emailed Visa. That's was 5 days ago. I am tired of going back and forth and want my {$200.00}. I have done nothing wrong but yet paying the price. 

XXXX  ref # XXXX Vanilla Visa ref # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: DC

Complaint narrative:
I applied for the loan forgiveness program in XX/XX/2021. I explained to the representative that we are not in the office plus PII can not be sent over email, so I asked the question of what can I submit for verification. She stated my W2. Thus, I submitted a W2 for my previous Government jobs and my current job at a non-profit. 

In XXXX, I received a stating Not Eligible, and they did not evaluate the eligibility of my current employer. When I called customer service, they stated my current employer is on hold in the system, but could not explain anything else. On XX/XX/XXXX, I received another request to submit the certification for my current employer because they are open. Thus, I sent the certification with signature on XX/XX/XXXX. 

I called on XX/XX/XXXX checking on the certification, and the representative said it was scanned in because of the volume of application and the process will take longer. As I explained to her, I am receiving misinformation and this process is confusing. I did everything each representatives requested and the process was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was notified on XX/XX/21 by Capital One about two suspicious charges on my credit card - one for $ XXXX and the other for just under {$100.00} ( over {$600.00} total ). I confirmed with the Capital One rep that I did not make those charges. I was advised by the rep that both charges were made at an out of state XXXX in Maryland ( I live in Texas ). I have not been to Maryland nor do I have family that travels to Maryland. 

Several days later on XXXX, Capital One placed those two charges back on my account stating they could not validate these were fraud. I contracted customer services and was transferred several times to supervisors but told their decision stands and I would be held responsible for these charges. I was also advised that nothing more could be done to dispute these. 

Can someone help escalate this dispute? I don't know what to do in this case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-09 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: CL Holdings LLC
State: AZ

Complaint narrative:
there's a debt on my credit report of {$2600.00} from JEFFERSON CAPITAL SYSTEMS opened on XX/XX/2021 that is not mine. I have contacted JEFFERSON CAPITAL SYSTEMS many times to get this debt removed due to it being not my debt. I feel this is a fraudulent debt. JEFFERSON CAPITAL SYSTEMS did not contact me or gave me any validation letters about this debt. This debt is not mine and they will not let me dispute this with them. Due to this being fraud I want this removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: WA

Complaint narrative:
In XXXX of 2021 I opened an account with Key Bank. When setting up my account, I made sure that I did not allow the institution to overdraft my account. Since setting up my account, I have repeatedly been charged overdraft fees for one-time debit card transactions, which are exempt from overdraft charges according to CFPB 's regulation 1005.17. 

I last submitted a complaint to the CFPB on this issue on XX/XX/2021 ( complaint ID XXXX ) after repeated attempts to resolve the issue with Key directly. Key issued a statement promising to reverse the charges, in the amount of {$77.00} by my next bank statement. That bank statement has come and the refund has not. This is a financial institution with many billions of dollars at this disposal, yet they are unable to treat their customers with dignity and respect? 

Additionally, Key has started charging me with ATM fees, though I have not used any ATMs in this billing period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Profit Services Group
State: GA

Complaint narrative:
To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 
{ Creditor/Collection Agency } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights XXXX I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2021-11-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I sent letters out on XX/XX/2021.Huge violations are being broken by reporting inaccurate information on my consumer report.

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 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing today in regards to several accounts I have with Capital One the following accounts I'm referring to is XXXX, XXXX and XXXX which has late pays reporting in XX/XX/2021. I was impacted by Covid during that time and was unable to make the payments to those accounts. I know that Fema declared a disaster and that congress passed the CARES ACT to assist consumers that are having issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
This debt was scheduled to be removed with the credit bureaus by XX/XX/XXXX. I disputed this on XX/XX/XXXX and the credit bureaus never removed it. I am asking that you help me investigate why the credit bureaus didn't remove this from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This item is reporting late as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

XXXX XXXX XXXX  XXXX Opened XX/XX/2015 Balance {$1400.00} // Late Open XXXX ***** Opened XX/XX/2015 Balance {$1400.00} // Late Open

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 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports and need to delete immediately : XXXX XXXXBalance {$0.00} XXXXBalance {$3000.00} XXXX-Balance {$350.00} XXXX-Balance {$12000.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX-Balance {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) -XXXX****-Balance {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX-Balance {$1400.00} XXXX XXXXXXXX-Balance {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : Charge Off : XXXX  XXXX XXXX {$2600.00} XXXX {$2600.00} XXXX  XXXX {$860.00} XXXX  XXXX {$460.00} XXXX {$1000.00} XXXX {$9200.00} Late Close : XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I opened up an new account with Coinbase on XX/XX/XXXX and followed steps correctly to receive XXXX dollars in XXXX, and I even got confirmation emails ( in the email chain attached, and sent to Coinbase but no response from them ). This support ticket was # XXXX. I also followed all steps correctly for recurring payments of min. XXXX USD and on the XXXX and XXXX recurring payment I would receive XXXX USD in XXXX each, totaling XXXX dollars in XXXX ( attached proof ) This would in total be XXXX + XXXX = XXXX dollars worth of XXXX Coinbase owes me. I attempted to email them and received generic and nonhelpful replies which seemed like no one read my responses. 

I also reached out to them on XXXX, and their support contacted me notifying they would check in on this ( but never did ). On XX/XX/2021 I received an email stating they closed the support ticket, but there was never any solution nor response ever again. I am just asking to receive my XXXX dollars worth of XXXX, as all steps were followed and I tried every way to get a resolution, and it has been around 2 months with no response or solution. 

I have also contacted and filed a complaint with the XXXX on XX/XX/2021 in hopes of getting a solution, but when I contacted XXXX as of today there is still no response from Coinbase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: ID

Complaint narrative:
They charge daily interest and there is no early payoff. So paying small payments prior to payment due dates should lower amount owed and interest calculated. however I paid {$200.00} couple days ago only applied {$180.00} to balance no explanation. Week before made 2- {$40.00} only owed balance owed by {$28.00}.

Today paid a {$12.00} only adjusted balance by less than a dollar.

They already charge an outrageous interest rate but if they are not applying the full payment to they are charging me interest on money paid that is fraud and wrong!!

they have not responded to 2 of my information requests.

below is pulled directly from a test I did to see if I was being screwed no payments affected any interest. That is wrong! 
Date Description Reference # Amount XXXX Payment XXXX {$75.00} XXXX Payment XXXX {$20.00} XXXX Payment XXXX {$20.00} XXXX Payment XXXX {$20.00} XXXX Payment XXXX {$20.00} XXXX Payment XXXX {$20.00} Interest Charged Date Description Amount XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: First Technology Federal Credit Union
State: NC

Complaint narrative:
We applied for a loan several years ago with First Tech Federal Credit union for a XXXX XXXXXXXX XXXX. With that loan we elected to purchase and pay for gap insurance. This past month we decided to refinance our loan. A few weeks later, our son rolled and totaled our truck. We were told by a representative from First Tech last week that we had gap insurance. However, when XXXX cut the check for the pay out, there was a $ XXXX gap which First Tech is refusing to pay out because they said that when the vehicle was refinanced a week ago, the gap insurance was not renewed with the new loan. They are not honoring the years of gap insurance that was paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
Portfolio Recovery has disguised as a new creditor and is reporting a new account under my name for XXXX XXXX. I did not received a debt validation as per the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/21 I received a Citi Priority debit card in the mail. I do not bank, nor have I ever banked, with Citi Bank. I never opened an account or requested an account or debit card. I immediately called Citi bank and had the debit card and associated checking account closed and reported it as fraudulent. 

The account was blocked by Citi Bank and I was forwarded to the fraud/identity theft dept to report the card/account where I also received additional fraud monitoring assistance. I was happy with this resolution. I am reporting it to the CFPB for documentation purposes only in the event that this is a larger issue.

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 2021-11-09 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Multiple phone calls 2 loans from XX/XX/XXXX, one for XXXX, another XXXX settled in XX/XX/XXXX with {$0.00} balance. They were off all 3 company reports for few months before reappearing on all except XXXX XXXX. XXXX XXXX eventually came back as well and all 3 are on it ... .. Not only were they already taken care of and closed in XX/XX/XXXX, AND then the XXXX withheld my XXXX income tax return of over XXXX to the Dept of Edu XXXX The 2 XXXX XXXX are the same 2 as dept Ed. There is not 4 loans. They have been closed with {$0.00} balance even BEFORE my Tax return of over XXXX was withheld and paid to the DOE. 

The 3 XXXX XXXX charges stem from an ambulance ride back in XXXX of XXXX. How they charge u for 3 bills for one ride, who knows. These were covered and paid by XXXX. They were removed and then came back. I've tried multiple times going in circles. It's frustrating when u spend hours and hours to finally get these errors taken care of, only to pop goes the weasle, they're back. Please help. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
During XX/XX/XXXX, requested COVID help and applied to Mr. Cooper for a loan modification. Also, asked Mr. Cooper mortgage rep to remove unauthorized ESQ XXXX XXXX XXXX XXXX name from my mortgage statements. In which XXXX without my consent added his name & address to my mortgage statements from XXXX until PRESENT. 
On many many occasions I have asked XXXX XXXX to update fo my home address MD. After XXXX stop accepting my calls asked Mr. Cooper rep to 3-way in which in the phone call said he no longer represent me. So far, a stall & no modification yet

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Management Group, Inc. (GA)
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on RECEIVABLES MANAGEMENT GROUP ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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