vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
On Thursday, XX/XX/XXXX, I vacated my apartment at XXXX XXXX ( property address : XXXX XXXX XXXX  ; XXXX XXXX, GA XXXX ) ahead of my lease that ended on Thursday, XX/XX/XXXX. I received an email with a bill for final fees in the amount of {$120.00} after the end of my lease. Previously, I paid all bills through an online portal. Upon moving out, my access to that online portal was discontinued. I reached out to XXXX XXXX via phone prior to the XXXX due date to find out how to remit final payment, but did not receive a return call. I also reached out via email prior to the payment due date, and did not receive a response. 

On Wednesday, XX/XX/XXXX, I sent an email to the XXXX Grand Manager advising that in light of a lack of response, I would send a payment through certified funds to the office location via certified mail to satisfy the outstanding balance. I requested read receipts and delivery receipts to these emails so that I would have passive confirmation that my email was noted. While I did receive delivery and read receipts, I did not receive a response to this email. I waited 72 business hours for a response, and then proceeded as outlined in my email. 

On Friday, XX/XX/XXXX, I received confirmation that the certified funds payment that I sent via USPS certified mail was received and signed for by " Manager. '' On Saturday, XX/XX/XXXX I received a call from TransWorld Systems regarding this payment. The agents that I spoke to claimed that XXXX XXXX had not received payment. Additionally, the agents repeatedly asked for personally identifying information ( SSN, previous addresses, current address, etc. ), which I declined to provide. They asked for proof of payment which I was willing to provide, but they stated they could not provide an email address nor a physical address to submit this proof unless I provided personally identifying information. To date, they have not provided any contact information that I can use to submit the proof of payment. 

On that same day, Saturday, XX/XX/XXXX, I called XXXX XXXX and XXXX XXXX, Assistant Manager answered the phone. While she confirmed that the check was received, she stated that she was not sure about the whereabouts of the certified bank check and was unclear about why a payment had not been applied to my account. I informed XXXX that I would send a follow up email to her and to the manager recounting the details of our conversation, and expecting to be advised on when and how the final payment, which they confirmed was received, was not applied to my account and why my account was referred to collection. I also requested read and delivery receipts to these emails. To date, I have received a delivery confirmation, but I have not received a read receipt nor have I received a response. 

Please see seven documents ( e.g. emails, copy of certified funds, USPS delivery confirmation ) supporting this account attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I was looking to buy XXXX XXXX XXXX tickets and my wife XXXX XXXX reached out on XXXX XXXX to 2 XXXX XXXX XXXX sites. She received a few responses and the one sounded legitimate with a good XXXX page. We contacted through text and set up the exchange with us providing half the money {$370.00} through Zelle through my bank ( XXXX ). I did so and then they asked for the other half of the money before they sent the tickets. I got suspicious and then started piecing together the inconsistencies. The number they are using for me is XXXX. The name is XXXX XXXX. I am now disputing this with XXXX but they are stating Zelle is a 3rd party and it is unlikely they can help us. Please see if you can stop them from doing this to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: TX

Complaint narrative:
Credit control has been taking money out of my account and has gone over our agreement payments. We agreed on a settlement to them of {$5000.00}. I have started making payments XXXX, XXXX, of XXXX twice a month. My last payment would have been XX/XX/XXXX. I have paid them over XXXX so far and the agreement is only supposed to be XXXX. This is fraud and over payment. I want them to return my over payments to me. 

XXXX XXXX XXXX Credit Control Acct : XXXX XXXX XXXX XXXX MO

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 2021-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I downloaded the XXXX app. I seen that my credit score was very low. I checked what was bringing my credit down and it was some medical debt bills that was not me going. These are the following : ARS Account Resolution dated XX/XX/XXXX for the amount of {$1000.00}, ARS Account Resolution dated XX/XX/XXXX for the amount of {$2300.00}, XXXX XXXX XXXX. dated XX/XX/XXXX for the amount of {$870.00}, XXXX XXXX XXXX. dated XX/XX/XXXX for the amount of {$600.00}, and XXXX XXXX XXXX. dated XX/XX/XXXX for the amount of {$1300.00}.

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 2021-10-18 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: DISCOVER BANK
State: OH

Complaint narrative:
I started a dispute on XX/XX/XXXX with Discover credit cards because I was charged by XXXX XXXX {$1300.00}. As of today XX/XX/XXXX, Discover said there is nothing they can do to assist in the remediation nor will they offer a credit. 

Background On XX/XX/XXXX, I made a purchase from XXXX XXXX for a suspension for my car. I received the wrong parts, they admitted this in writing ( attached ). I reached out to XXXX  multiple times to get an RMA or exchange so I could send the parts back for a refund. They ignored all of emails for the request which I made on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX along with multiple phone calls. 

Discover said that their hands are tied and I need to pursue other avenues to remediate. My question is " what other avenues ''? I've tried everything.. 

All of the documents attached have been reviewed by Discover in making their decsion My request is for Discover to issue a credit for {$1300.00} along with accompanying interest on that amount, {$46.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/2021, I was informed by the Chime bank that they have decided to close my account and this was their message : " After a recent review, your account was found to be not in compliance with Chime 's internal policies and your account agreement. Your account has been closed by Chime and is not eligible for a refund ''. I had an estimated balance of {$2000.00} in my account and it's been more than 100 days since the account closure notice and I have not received my balance after my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COLLECTION ASSOCIATES, LTD.
State: IL

Complaint narrative:
My XXXX XXXX was Adversed with a collection account on XX/XX/2021 By Collection Associates , LTD . They refused to provide a Validation of debt pursuant to the FDCPA. They have perpetrated Aggravated Identity Theft against Me along with STRONGARM collection tactics that we outlawed years ago. The repeated called third parties and nearbys attempting to contact me by repeated calling for weeks when they were advised I did not reside there and to NEVER call again. They threated an XXXX year old woman with " legal action '' if she did not provide my telephone number to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Aspen Yo LLC
State: FL

Complaint narrative:
I sold my home in NY recently and the closing took place on XX/XX/2021. Every aspect of the process concerning my mortgage satisfaction was like pulling teeth, including this last piece - filing the Satisfaction of Mortgage with XXXX County. I've even sent several to the legal department of the mortgage servicer, which to date remain unanswered, and trying to call them results in 4 hour marathon hold sessions, which I just can't do. Approx. 1 month ago I did remain on the line until someone in " customer service '' finally picked up the phone, and was told that while she didn't have specific information, " the Satisfaction was sent to 'XXXX  ' in early XXXX ''. I asked for a fax copy of what had supposedly been mailed, and got anything but a fully executed Satisfaction of Mortgage in return. As we are fast approaching the end of 2021, I would very much appreciate assistance in getting the proper documentation filed with XXXX County so that I can fully close the chapter on this part of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have attempted to contact Tranunion, XXXX AND XXXX XXXX XXXX XXXX regarding this debt. The debt is reporting INCORRECTLY and have been sometime. Whatever incorrect update that was made on XX/XX/XXXX dropped my score by XXXX points!!!!! nobody can seem to get this account corrected between the two companies so I need help.

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 2021-10-18 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/21 I spoke with a customer service ( XXXX, may be incorrect spelling ) to stop a payment on a check I wrote to XXXX XXXX on XX/XX/21, as I was unaware of the transaction fee. The representative said I was not going to be charged as the check has not cleared. On XX/XX/21 I noticed I was charged {$6200.00} along with a transaction fee of {$120.00}. I had a credit balance before this charge of {$280.00} so my current balance now shows {$6000.00}. On XX/XX/21 I spoke with a representative named XXXX and he filed a report about this and gave me a case number of XXXX. He told me this should be resolved within 7 to 10 business days which would have been XX/XX/21. No resolution to date told pending status with each call. I filed a complaint with the company on XX/XX/21 case number XXXX with no resolution to date. The company send me a bill due for XX/XX/XXXX with a minimum payment of {$60.00}. I called again today XX/XX/21 and was told now it can take 1 to 2 billing cycles to clear up. I am upset that I have to make any payment on this to avoid late fees and interest when this company failed to put a stop payment on the check. If anything they owe me money for my initial credit balance. Please help me resolve this matter.

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 monetary relief
Consumer complaint received 2021-10-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
Bank of America deleted my payment profile on the account and told me I needed to set up a Bank of America Checking account. When I tried to reset up my regular payment method I got the same message saying I needed to set up a Bank of America account to pay. Isn't this an anti trust violation? I was about to be late with my bill and they are coercing me to try to get other business from me I do not want with them to avoid ending up with a late payment.

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 2021-10-18 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: Atlanticus Services Corporation
State: MI

Complaint narrative:
I have attempted to contact XXXX, Fortiva AND XXXX XXXX XXXX XXXX  regarding this debt. The debt is reporting INCORRECTLY and have been sometime. Whatever incorrect update that was made on XX/XX/ dropped my score by 34 points!!!!! nobody can seem to get this account corrected between the two companies so I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: AL

Complaint narrative:
On Friday, XX/XX/XXXX, I lost all access to my accounts due to the PNC/BBVA merger XXXX They assured us access would be restored the following Tuesday, XX/XX/XXXX by XXXX. I have not been able to see one of my business accounts or my personal account since. I have spent over 10 hours on the phone and made two branch visits but the issue still isn't resolved. They are now telling me to wait 14 more days to see my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XX/XX/2021 : I placed an order with XXXX ; the {$120.00} charge was approved. 

XX/XX/2021 : When I checked my bank account, I discovered that a second charge of {$120.00} was charged. This made the total deducted from my account {$250.00}. When I contacted XXXX, I was informed that the banking industry allows their company not only charge on the original order, but they are " legally able to make a second pre-authorization charge referred to as a 'soft-charge ' ; the second charge will drop off in 4-5 business days ''. 

The banking industry and the company are disregarding the negative impact that this double charge can have on non-commercial and/or large deposit bank accounts. Individuals who are only able to keep enough on deposit to pay bills, risk having their accounts overdrawn through no fault of their own. 

I take issue with this practice. I will be contacting my local Politicians, Congress and the Senate to lodge a complaint about a practice that borders on usury!

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 2021-10-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Dear Sir, I have filed a police report for fraudulent remarks on my Equifax, XXXX, and XXXX Credit Reports. I have also sent them two letters, demanding proof that these accounts are mine. I requested to see proof of my signature, that ties me too these negative remarks. These accounts are as follows ; Equifax : XXXX, XXXX XXXX, and XXXX 's accounts. XXXX : XXXX XXXX XXXX XXXX, XXXX 's XXXX XXXX : XXXX XXXX, and XXXX XXXX. They continue to state that these accounts, have been verified. Yet, the have not supplied me with any supporting information containing my signature. I am asking for assistance with the CFPB, in resolving this matter. I thank you in advance! 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. This account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/2021 the XXXX XXXX sent {$2000.00} to Chase Bank in my name ( COVID relief fund ). On XX/XX/2021 I initiated a bank transfer from Chase Bank to XXXX XXXX. Unfotunately, I entered an incorrect checking account number. After about a week when the {$2000.00} never hit my checking account I started following up on the transfer with Chase Bank. I corrected the checking account number on the Chase Bank record. Their escalation team could not help. I checked with the XXXX escalation team. They had no record of the transfer ever reaching XXXX XXXX. Both Chase Bank and XXXX XXXX asked me to check with the XXXX XXXX. The XXXX XXXX escalation team indicated the money was " deposited '' on XX/XX/2021. I think that translates to a transfer was initiated. 
I have had several conversations with the XXXX XXXX, Chase Bank and XXXX XXXX. None of them can " find '' my {$2000.00} and credit my account, or, give me the opportunity to correctly transfer the money. 
I have attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
There is a hard inquiry on my report from XX/XX/2021. I did not apply for credit or do any financial transactions that would have resulted in a hard inquiry in the month of XXXX. I called CapitalOne ( the inquiry is from CapitalOne ) and they said that there was no activity that should have resulted in a hard inquiry for me. I have no idea where this hard inquiry came from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been working on my credit for several months. I filed an FTC report as well as wrote letters to the credit bureaus. I have not received any notification about any advances on the updates for my credit report. This is against my rights and my next step is to filer for litigation of the information is not corrected.

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 2021-10-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Suntrust bank, now becoming Truist, has frozen my savings and checking accounts and have given me no explanation. I have been to the bank and they tell me that I will be getting a letter about my account. 
My son had his account frozen because he is constantly overdrawn. He is a teenager and we are working on him and how to manage his money. My wife is on his account and she is on my account. All the bank will tell me is that my account is frozen, that they are severing their relationship with me and that I will get a letter. I have gotten nothing. I understand them closing my sons account but I have been a great customer, pay my credit card in full each month. I do not understand why they won't tell me what is going on.

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