vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NH

Complaint narrative:
Have been receiving daily calls from Portfolio Recovery for months. The calls are always from a different number from various locations throughout the country. I have no debt, nothing on my credit report, and have received no letters from legit debt collection agencies. This is a scam and they are harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i have a letter from credit management a creditor that's on my credit report they have agreed and sent a letter i have sent to Transunion and called to notify them of and yet the item hasn't been removed. i dont know what more they need when I have a document from the creditor saying to remove the item.

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 2021-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I share a home with my son and his husband. We each pay half the mortgage. We explained this to XXXX XXXX, our mortgage consultant. We made our first payments, both paying exactly half of the payment due. And then we received a late notice. When I log into the account, the bank has allocated the payment into " unapplied funds '' and explains " when you do not pay a full payment, we will hold the funds in unapplied funds until partial payments being held in unapplied funds equal the total amount due. '' Because the two payments equal exactly half the monthly payment due, the bank 's criteria was met by the two payments, and I am tired of being pressured to open accounts that I don't want to make a single mortgage payment. This is what XXXX XXXX did to their clients and I will not allow BofA to do it to 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 2021-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC
State: FL

Complaint narrative:
On XX/XX/2021 I tried to write a check for cash at a XXXX supermarket and It was denied. this is the first time this has happened. I sent off for a report on me and it came back with no reason they denied the check. The same thing happened today XX/XX/2021 at a different XXXX. I have written many checks here over the years and have never had one returned or denied. They have wrong information on my list of checks I have written and I do not have a way to correct them since I can never speak to a live person. There is no reason for this and this company is going by wrong or no information. The company is Certegy. Both amounts were for {$77.00}.

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 2021-12-12 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I was reviewing my credit report and I noticed an several medical accounts from XXXX XXXX XXXX XXXXXXXX. This information is inaccurate. All accounts were paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I was reviewing my credit report and I noticed an several medical accounts from XXXX XXXX XXXX XXXX This information is inaccurate. All accounts were paid.

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 2021-12-12 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: CITIBANK, N.A.
State: TN

Complaint narrative:
I have been contact the corporate office as well as sending a email to CEO regarding late payments during pandemic. I have always had excellent until I lost my job. Here is the letter I sent and received no response. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Citibank Double Cash Card XXXX XXXX XXXX, XXXX XXXX XXXX, Citibank XXXX XXXX., Mail Room, XXXX, XXXX XXXX XXXX XXXX XXXX ( Old XXXX ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Account # : XXXX To XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I have been customer since XXXX and during that time, I have enjoyed my experience with Citibank greatly XXXX I am writing to see if you would be willing to make a goodwill adjustment to my credit reporting to the three credit agencies. I have a late payment on the above referenced account from XX/XX/XXXX and XX/XX/XXXX. 
My Citibank credit card has been closed down but I continue to make my monthly payments to keep positive payment history and to one day open another account if possible. I went over my limit during the pandemic which caused account closure. Because of my previously exceptional past payment history, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of obtaining gainful employment after the pandemic. I say that not to justify why the payment was late, but rather to show that the late payment is not a good indicator of my actual credit worthiness. I hope that you are willing to work with me on erasing this mark from my credit reports. 
I have been a very happy customer in the past and hope to continue a long relationship with Citibank. With todays credit industry being so competitive, I know how important it is to maintain good relationships with customers. Citibank has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why Citibank is head and shoulders above the rest. I look forward to your reply..

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 2021-12-12 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: MO

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXL XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
Earlier in 2021 we purchased a new XXXX XXXX. Along with that purchase we added an extended maintenance plan. Within a few days of purchasing the vehicle the finance manager - XXXX XXXX gave us a discount in order to have us keep the plan. That changed the monthly payment from {$510.00} to {$500.00}. That amount was never reflected in the online account we use to pay the monthly car payment. We have NEVER been late or missed a payment. What American Honda Finance did was open a new account that reflected the $ XXXX monthly payment but we did not know this. We kept calling them because we expected to see the new monthly payment amount listed in our billing. It was not. Still to this day has not been. And what American Honda Finance did was to flag our account as a charge off because they have a second account that they think we have not paid on. We contacted American Honda Finance because we noticed the charge off on our credit report on XX/XX/XXXX. We contacted them and they stated they would get this cleared up. I tried to log into the new account that they told us on the phone that they would merge/clear up but no data on the loan amount or new monthly billing of {$500.00} ever showed up. American Honda Finance gave us a letter stating we are NOT at fault and yet on XX/XX/XXXX they flagged it as a charge off again. This is intolerable. We are being impacted quite negatively for their incompetence and inability to update a simply backend accounting function. I can only hope these folks do not try to repossess the vehicle even though we've NEVER missed a single payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/2021 we received a preapproval for a VA mortgage from Navy Federal Credit Union. We told them upfront that our primary source of income was our XXXX XXXX Yet they did not request our XXXX until XX/XX/2021. XXXX XXXX and XXXX requested our XXXX immediately. Because of Navy 's incompetence, we had given due diligence of {$1000.00} on XX/XX/XXXX, and {$550.00} for the appraisal, all for nothing. This whole process was one long nightmare. Our credit was denied on XX/XX/XXXX due to the income to debt ratio that could have been established in the first days after our preapproval. We wasted over 3 months and lost the chance at finding a home. Additionally, Navy largely ignored us for long periods of time when we requested information, and we were not informed in a timely manner that documents were requested. Our real estate agent said her company doesn't like to deal with Navy Federal Credit Union because of their long delays and ineptitude. We repeatedly tried to get Navy to provide our real estate agent with forwarded messages, but this was rarely done unless we complained enough times. After repeated requests from us to send us the appraisal, because the owners were about to terminate the purchase, Navy did so only after we fired Navy 's financial officer and repeatedly tried to contact their supervisor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I've been using my XXXX XXXX  account everything was working fine as far as sending and receiving money threw with no problem, using cash app. Then suddenly after maybe a month using cash app by linking my XXXX XXXX debit card, things just went left out the blue. The transactions would go threw for like 1 minute then it will just fail, saying for my protection there cancelling the payment and I mean this is over and over every time I do it. It's been doing this for months now, but don't get me wrong after so long not linking my card with cash app it will send 1 payment right threw and it sticks. But soon as I try to make another transfer threw the cash app system its blocking and cancelling any transactions I try to process XXXX my bank tells me there's nothing wrong on there end with my card nor account. And to contact cash app but cash app a tell me to contact my bank when the transactions are failed I know for a fact it's not XXXX XXXX, it's cash app but there telling me it's my bank XXXX cause I've just did a transfer XX/XX/XXXX ,2021and the XXXX  $ payment went threw but this is after not linking my XXXX XXXX bank card in like an month, okay the payment sticked it processed and went threw but after like an hour later I tried to send another payment to the reciepent, the payment failed XXXX then I called my bank it's not on there end then I called cash app and there saying it's not them when I'm knowing it's on there end, I really need this fixed own know what's going on with cash app when it comes to me using there system they are constantly closing all my accounts and asking me to very my identity it want let me order an cash card when I use my previous address, it's like whenever I make an cash app with my name which I have made over 30 accounts dew to the fact of them always closing my accounts. Seems like when they see my name on an new cash app they never let me order an cash card never let me add money from any cards I link with them to my cash app account. And after so long of using the new account they finds out I have another account it the blue it's telling me to verify my identity XXXX and what's so crazy I can send my photo ID threw the QR scanner and after the processing of 24hrs to confirm the results they still can't verify its me XXXX own know what's up and why cash app got a bad alert on my name and address but please fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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: FL

Complaint narrative:
I gave capital one representative my bank account number for autopay, she wrote it down incorrectly and payment was never done in 2018, now they claim that i was late and it reflects in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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:
Hi, This complaint is a continuation of the previous complaint XXXX, against Coinbase. 

The account was made available to me for just a few days and was locked again. Since I opened the account with coinbase, earlier this year, it has been under review most of the time with no reason provided at all. 

I have opened about 20 support tickets and most of them were closed within a week ( may be automated ) without resolving the issue. 

I will continue to complain here until problem is fixed permanently and provide a valid reason why Account remains under review.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
I sent letters and receipts to XXXX that both debts have been paid in full. I also payed to delete and once i paid it hasnt been deleted. 
Both collections need to be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Chime Financial Inc
State: MD

Complaint narrative:
My room mate moved out, after a bad argument. Her and I shared a joint XXXX account where both of my debit card info was in it. When she moved, she blocked me from the account without letting my delete my card info. Since then, someone has tried to login to my XXXX XXXX, and also made a XXXX account with my chime card. Than upon reaching out to her telling her I was notifying the irs and card companies that she has all my socials ( kids socials and my own ) and my card info, she than screenshotted messages receiving messages from my XXXX account with my chime info. Stating that I was trying to use her card, when I have the card in question in my wallet, in my name. But she tried to lie, and say it was hers. I have no idea how she was able to have my card info directed to her personal phone messages. She is on XXXX for XXXX and XXXX XXXX of two banks. She is claiming that Im the one using her cards, when I have proof that I have not made any purchases, or have any access to ANY of her cards! She also is still trying to claim my kids on her taxes,  when I specifically told her she does not have permission to do so. But she has all of my kids socials, birthdays, and even all of my information. She is a XXXX XXXX, so Im not sure to what length she will go. But I want to put a end to it now! I have reported both of my cards stolen, and even changed all my info on some other cards. I need some help please. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I accidentally overpaid two of my credit cards with Bank of America. For about 100 to 150 Dollars each. I request the money to be transferred bank to my checking account and the answer was that will take 3 to 6 business days. I understand that is a the regulation. My complaint is why is this long time needed to do so. Banks take seconds in accept your payments but days in return back if goes wrong? I consider this a very unfair situation. Please reply giving me a better understanding of why is this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Lending Club Corp
State: IN

Complaint narrative:
I have received a XXXX debit card from " Lending Club '' which from my understanding is linked to a loan line. I have never requested any loans or cards from this company. I have tried contacting their Costumer Service number, but their operation hours are limited and I couldn't reach anyone. They also do not list a " fraud department '' or XXXX number for complaints related to fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had to cancel my card due to theft of card number, break in on computer. Chase said it would send a new card. I told them to send it to my XXXX address because I was NOT in XXXX XXXX. They said yes, confirmed the address and sent it to XXXX XXXX anyway. I took XXXX days to go to the wrong address. 
Now I have to pay {$5.00} to have them re sent it to the correct XXXX address. While waiting for the card I have NO way to order food or anything else. I am OUT of food and no card yet. I am beyond upset and need a way to fix this. I don't want it to ever happen again. I DO NOT have a car and have to order online!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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: MS

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC 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 and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXXXXXXXXXXXXXXXX Balance {$1000.00} XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX Balance {$78.00} Inquiries : XXXX XXXX Inquired on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX. XXXX and Transunion has four inquiries on my credit report I dont recongnize. I sent letters to all three asking them to remove from my credit 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 explanation
Consumer complaint received 2021-12-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX. Equifax and XXXX has four inquiries on my credit report I dont recongnize. I sent letters to all three asking them to remove from my credit report.

Company response to consumer: Closed with explanation