vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-31 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 — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report.It has been well over 30 days and I havent received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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 — Investigation took more than 30 days
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report.It has been well over 30 days and I havent received any investigation results.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have a credit card with comenity and it is almost impossible to make a payment, resulting in late payments. It takes approximately 4-5 attempts to get in touch with them to pay every month. 

Customer service teams are shut down, incorrect phones numbers are given to make payments. The system is so glitchy it repeatedly drops the call. 

Additionally there have even been a few times when I thoughts I made a payment but it wasnt applied. Thankfully I caught it before it was late the first time, but not the second time. 

Furthermore I have not received bills In Several months, and have requested repeatedly to be put on e-communications but typos in my account ( on their side ) prevent me from signing in to my online account and fixing the issues. Lastly, they will not allow me to shut my account down. It is impossible to figure out how. 

The issues with this company has reached a fraudulent level.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
REGIONS MANAGEMENT FABRICATED REASON FOR ILLEGAL ACCOUNT FREEZE. In XX/XX/XXXX, I updated my mailing address on the Regions website. Shortly thereafter, XXXX. XXXX emailed me claiming that they need my physical address ( even though they already had it on file ). I replied to her w/the requested information. Two days later, she replied that since my DL on file has expired, she needs my updated DL too. [ Note : This policy/rule does NOT exist anywhere in Regions literature ]. I then received a letter dated XX/XX/XXXX ( attached ) stating that 60 days from the date of the letter, my account would be closed if this isnt resolved. Unhappy with Regions handling of this, I proceed to make arrangements to open a new bank account elsewhere. Two days after I transfer some money from my Regions account to my new bank account, Regions froze my account due to fraudulent check writing!!!! XXXX XXXX and XXXX fabricated this reason in order to lock me out of my account ; this was retaliation for choosing to switch banks instead of complying with their made-up rules. I visited a Regions branch on XX/XX/XXXX and spoke with the manager, XXXX XXXX, to resolve this. She said only the back office can unlock the account and theres nothing she can do. However, the XXXX rep I spoke with said ANY branch manager can remove the freeze. I am being given the run-around. There was NO suspicious activity on the account and therefore, should've NEVER been locked.

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 2021-01-31 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: IA

Complaint narrative:
I am disputing a collection that only TransUnion ( of the 3 credit bureaus ) refuses to remove from my report. It is a alleged collection for {$230.00} from XXXX XXXX. This collection is an extortion attempt. As the services received were paid in full. TransUnion said they did an investigation and the account was verified, however I was never interviewed so any investigation that was done couldnt be complete when only one side was investigated. TransUnion is basically taking the word of XXXX XXXX and making the horrible assumption they are correct. TransUnion must report only accurate information and there is no way they can prove this is accurate by a one sided investigation.

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 2021-01-31 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: AMERICAN PACIFIC MORTGAGE
State: WA

Complaint narrative:
Hi, On XX/XX/2020 someone pulled a hard inquire from my credit and from my wife credit. After reviewing the report through XXXX  and XXXX XXXX, we got their name. It's American Pacific Mortgage. 
I reached out to one of their officers to remove this inquire. She said she did submit a letter to her company to remove it within 30-45 days. Now we passed the 45 days and looks like it did not remove it. 
American Pacific Mortgage does not have my authorization nor my signature to obtain this inquire.

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 2021-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am XXXX and requested a new credit card. Customer service refused to assist me if I had the computer reading to me, I then asked my daughter for help and they refused to allow anyone to speak other than me. They said I had to read the number from a text message. When my phone read the message they refused to accept it because it was not my voice. I repeatedly explained the situation. I stated disability rights language to them ... they refused to assist me in getting a new card. My card had expired. The customer service escalation assistant was rude, spoke over me repeatedly and in the end ... 1.55 hours did exactly what I was asking for .... sent me a new card. However, this is an exact repeat of the problem we had when we first requested new cards in late XX/XX/2020. This escalation expert repeatedly refused to follow the ADA guideline for providing a voice option to the number, was beyond rude and very dismissive. If requested for speech or hearing impaired he is required to allow third party assistance with verbal permission. Employee name is XXXX employee number XXXX. Refused to escalate to customer complaint, customer service or consumer complaints. Refused to provide customer complaints direct phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Each bureau is reporting inaccurate information on my report. FCRA 607. Compliance procedures [ 15 U.S.C. 1681e ] ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. They are not abiding by these rules. I have seen multiple errors on my report that has not been corrected. so they must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
The collection agency Portfolio Recovery Associates constantly sends me notices for an account that Ive never opened due to identity theft that occurred over 8 years ago. Its for a XXXX XXXX credit card and the balance theyre trying to collect is {$840.00}. Ive repeatedly advised them that I never opened this account. Im a victim of identity theft. Ive sent faxes and letters which theyve received. Now as of 2 years ago that fraudulent account has dropped off my credit report because of Statue of Limitations per New York State law. Now theyre constantly sending me letters stating that theyre well of aware the statue of limitations and legally i no longer owe this balance. Theyre using sneaky scare tactics trying to get me to pay for something that Im not responsible for. I used to work for a collection agency and I know these tactics. I told them to cease and desist. They ignore my demands despite they cant legally pursue me any longer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
This issue is with Coinbase.com. About 4 weeks ago I was prompted to enter my username and password and message said wrong username or password. I verified that I put in the correct credentials. I tried this from my phone, from my computer and different browsers and also cleared browsers cache. When I clicked on " Forgot Password '' I never receive an email to reset the password. 
Coinbase does not have a support number. I tried opening multiple tickets, also tried contacting them social media sites with no response. 2 weeks ago friend suggested I open a ticket and threaten to file a complaint with consumerfinance.gov. I finally got a response. It was a template response that did not address my issue but it was at least a response. I replied back for more assistance and coinbase said they will look into it. I emailed for an update 2 days ago. I have not heard back since. 
I also disabled my account just to be safe using their only number XXXX XXXX XXXX XXXX they had but its not for support. Its an automated system. 
There is over $ XXXX of my funds tied up in my account. All I am asking is give me my access which should be a simple fix. 
Someone at coinbase should at least respond and give me an update. 4 weeks without a resolution or update is not acceptable. I feel like I am getting scammed. I don't even know if my account is compromised. 
Please help! 

This is my Coinbase case number Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Each bureau is reporting inaccurate information on my report. FCRA 607. Compliance procedures [ 15 U.S.C. 1681e ] ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. They are not abiding by these rules. I have seen multiple errors on my report that has not been corrected. so they must be deleted.

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 2021-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co.
State: WI

Complaint narrative:
OAC COLLECTIONS IS REPORTING DEROGATORY INFORMATION TO MY CONSUMER CREDIT REPORT : Attempts to collect debt not owed. Debt is not mines. 

OAC Collection Specialists, Inc. ( OAC ) is a third-party collection agency based in Wisconsin. OAC has received consumer complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), including failure to verify debts and attempting to collect debts not owed.

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 2021-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I opened a TD Bank Checking account on XX/XX/XXXX with a promotional {$300.00} checking bonus for completing direct deposit requirements. In the fine print their terms stated that customers who had not held an account and received a bonus in the past 12 months were eligible for this promotion. 

After 140 days the bonus still had not been paid out so I reached out to TD Customer Service. They are citing the account that I held and the bonus that was paid out on XX/XX/XXXX as reason to not pay out the bonus specifically citing the verbiage " the new account does not qualify as this would be considered combining with another offer. '' Clearly I did not apply multiple offers to the account that was opened in XXXX and the language surrounding accounts held before the 12 month period was very clear. 

The bank 's mistake is made even more apparent because their new terms and conditions have been updated to specifically state " Customers who received a bonus on a prior checking and/or savings account do not qualify. '' Note that this language did NOT exist when I opened the account with the promotion in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I was scheduled to initially close on a home on XX/XX/21. I had been working with a title company for months. On XX/XX/21 I received an email, that at the time I did not know was fraudulent, regarding closing and wiring instructions. I then wired the funds on XX/XX/21 to the account provided, a Chase Bank, account # XXXX. The closing was delayed and 1 week later the deal was cancelled. On XX/XX/21 I asked the title company to send the money back to my account. On XX/XX/21 the title company could not locate the funds in their account. I discussed with them the email correspondence that I had with them and they denied ever sending or receiving those emails. That same evening I filed a police report regarding the incident. The total amount transferred was {$23000.00}. I also filed an investigation with XXXX  XXXX XXXX who I used to wire the money, on XX/XX/21 they notified me that they were unable to collect the money and they would be closing the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The collection agency XXXX XXXX XXXX constantly sends me notices for an account that Ive never opened due to identity theft that occurred over 8 years ago. Its for a Capital One credit card and the balance theyre trying to collect is {$840.00}. Ive repeatedly advised them that I never opened this account. Im a victim of identity theft. Ive sent faxes and letters which theyve received. Now as of 2 years ago that fraudulent account has dropped off my credit report because of Statue of Limitations per New York State law. Now theyre constantly sending me letters stating that theyre well of aware the statue of limitations and legally i no longer owe this balance. Theyre using sneaky scare tactics trying to get me to pay for something that Im not responsible for. I used to work for a collection agency and I know these tactics. I told them to cease and desist. They ignore my demands despite they cant legally pursue me any longer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/2020, I had a loan with XXXX XXXX and gave out my account number and did not feel comfortable after I paid the loan. I was noticing some activity on account that was not right. Had this account for four years and closed it due to my loan. The banker did not close out my account liked I asked, and I have closed out accounts in the past so know how the process works. This time it was made restricted and the banker told me it would close out in three months. I also noticed it was comprised was the first time they placed this on an account. Have been with chase of over ten years and you can see I been aI loyal customer and always have had a good relationship with chase. Even since I closed out my account been having so many issues with chase, I know I am considering ending my relationship with the bank. All accounts so be avaible for the client to see for seven years that is the law. However, the account that I had to close there is no record on my online account I can not go back and review my statements. Also, my stimulus payment I believe was not the correct amount and was rewarded more. Want a full investigation with account transaction from XX/XX/2020 till present. The account did not close out in three months like said. Have enclosed documents of my concerns an issue with my account. Thank you, XXXX XXXX. Also my address had recently changed was at XXXX XXXX XXXX XXXX  XXXX CA XXXX for 34 years. I am receving all mail through the P.O, Box number I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NC

Complaint narrative:
I have been trying to refinance with AmeriSave mortgage company and they have been awful about communication. I haven't heard back in three weeks. I've sent multiple emails and left voicemails both with my loan officer and with the customer support email/phone line. I am extremely frustrated, want to rescind my application, and want a refund.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal closed my account for no reason and will not help me getting it back up and going i am not sure if this some mostake as i assume it has to be i have not been able to get help from them or months but i just rememberd i coud mr a report on here as o feel they are not doing there job properly and it is effecting me a great deal as i used paypal guide frequently my email linked to my paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Pnc bank account my account number checking XXXX they took my checks I deposit in the atm I deposit three checks with my account number on the back of the check and my routing number on the back of the check and sign it to I receive the receipt then to for them my social security checks I deposit the account is close now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi there, InXX/XX/2020, I landed a job in XXXX XXXX. I reside in XXXX, CA so I needed a room to rent in XXXX. I found a place to rent and paid the deposit of XXXX dollars through XXXX. However, the position that I was going to do didnt work out so I no longer needed to rent a place in bay. I asked the landlord to refund the security deposit of XXXX, she refused and told me to do it myself, so I called my back WellsFargo and they disputed the transaction. But, recently I noticed card reversal on my checking account and I got charged again the same amount of XXXX dollars. I called both the bank and XXXX and they werent able to refund my money. I also emailed the landlord asking her to refund the money, ten days have passed and still no response. I hope CFPB can take action to successfully resolve this issue. 

Thank you, 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 explanation
Consumer complaint received 2021-01-31 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: I.C. System, Inc.
State: TX

Complaint narrative:
A 10-year old XXXX XXXX debt was removed from my credit report over a year ago. All of a sudden I get an alert saying it is added back on a year and a half later by IC Systems and the dates of open and close they reported are extremely misleading ( saying opened 2020 ). This would allow them to continue to attempt collections and report the debt for another 7-10years. Ive already disputed the item but this is a Violation of the Fair Credit Reporting Act as well as Fair Debt Collection Practices. This is highly unethical and lawless. I dont know what the statute of limitations is on things like this but I am considering hiring counsel. I have worked hard to clean my credit up. This could also constitute defamation of character since negative remarks such as this look as though I havent already been cleared of this. Especially when it continuously goes away only to pop back up again over a year later. 

They state it was open XX/XX/2020 and owed {$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