vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
A year ago someone from XXXX XXXX XXXX contacted me regarding a department store debt. The lady on the phone demanded payment over the phone but without providing a mode to verify the debt. I asked her if she could send me a statement in the mail, or if I could log in to an account online, if there was any way I could visually see that they held the debt before submitting a payment. She was very rude and insisted that she could not issue any paperwork to me until I gave her a payment, and there was no way to see the debt online. I told her I was uncomfortable giving a random stranger that called me demanding a payment over the phone my banking information. I made it very clear that I was not refusing to pay, but that I was not going to give my banking information blindly over the phone. At the end of the conversation I was informed that I would be sued. I, again, told her I would be happy to submit payment as soon as I had some way of validating who she was representing and where the payment would be going. I was just served with papers stating I am being sued in small claims court. I feel that this is unjust. I should have been given the proper documents and been able to make the payment without being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: Harvard Collections, LLC
State: AL

Complaint narrative:
I got an alert from XXXX  that HARVARD COLLECTIONS added a delinquent account to my credit report. There has been NO communication from this company regarding any debt that belongs to me. I have no dealings with ILLINOIS DEPARTMENT OF HEALTH SERVICES. I dont even live in ILLINOIS. This has negatively impacted my credit score by large numbers and changed my rating and they need to resolve this immediately. This is fraudulent activity!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX # XXXX XXXX XXXX. Husband of XXXX XXXX. 


On XX/XX/2020, my wife XXXX XXXX has rupture XXXX went into hospital she in hospital until now. She have her US Bank debit card in wallet, her childrens stole her debit card and transfer all XXXX money to there account. I did filed a report to XXXX Police Department, and I ask my wife does not giver permission to anybody to use it. 

USbank. Customer ID XXXX File with XXXX XXXX XXXX # XXXX Police report and case # XXXX. XXXX name : XXXX XXXX # XXXX XXXX Name : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. XXXX. XXXX XXXX ). XXXX XXXX XXXX XXXX the one help my wife to file unemployment insurance benefit and setup US bank card fro XXXX. XXXX daughter Inlaw all the access to her identity. I have US Bank card statement that the transfer to there account.

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 2021-04-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
ALLY FINCL XXXX XX/XX/2013 {$12000.00}

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 2021-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
CARD WAS APLIED FOR ON LINE ON XXXX XXXX PROMOTION ON BOOKING A FLIGHT. INFORMATION ON ACCOUNT WAS ONLINE. NO PHYSICAL CARD WAS ISSUED AT THE TIME. A FLIGHT WAS BOOKED ON THE PROMOTION CARD AND A BALALCE OF XXXX WAS TO BE PAID. I WENT OVER SEAS FOR DEPT OF DEFENCE BUSINESS. WHILE OVER SEAS I CALLED TO GET A BILLING DATE WHICH WAS DUE XXXX XX/XX/2021. DUE TOLOCATION WHERE I WAS, I HADMADE PAYMENT TROUGH MY BANK AND THE PAYMENT ARRIVE ON THE XXXX. I DID CALL THE CARD ISSUER CITI BANK AND NOTIFY THEM OF THE PAYMENT ON THE WAY. THE AGENT ACKNOWELEDGE THE CALL AND SAID IT SHOULD NOT INCUR A LATE FEE. THE BALANCE WAS PAID AND I CLOSE THE ACCOUNT BUT YET CITI KEEP SENDING ME A BILL WITH COMPOUND LATE FEES. THIS IS PREDATORY PRACTICE OF THIS BANK. I NEED THEM TO FIX THIS PROBLEM ASAP ON MY ACCOUNT.

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 2021-04-19 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:
i currently reside in XXXX XXXX and i have a XXXX 's paypal account that i created when i was working in the XXXX. I have been using that account for withdrawals and that account is also my primary source of income as i have lost my job due to covid and im forced to make ends meet using online businesses. i have been using the account without an issue for a 2 months and suddenly when i have received a huge sale, i tried to transfer the money to my account and paypal has restricted the account and i cant use it for 180 days. i also do want to say that i have currently shifted my place of residence in XXXX and used a new pc to log on to my account i suspect that this could also have a hand in restricting my account. I have really done no mistakes that could have occurred to this issue so i you could please look over my case i would greatly appreciate it. Also i have sold a few products on XXXX XXXXnd sent the receipts to paypal but they didnt seem to acknowledge them and i do have a few customers that are requesting a refund but i am unable to refund them of their money because of this issue. My Paypal email is XXXX and it is also my personal email so feel free to reach me there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: Coinbase, Inc.
State: CA

Complaint narrative:
Back in XXXX I traveled to XXXX and once there i tried to open my Coinbase phone application to check my balance and see how my XXXX investment was doing. 
I follow the steps and at the end i couldn't open it. 
Once i came back to XXXX XXXX, Ca i tried to recover access to my phone application/my account and it displays a message saying that i tried to use the application in an unauthorized country. 
I email Coinbase and i provided all the documentation they asked for to verify my identity ( My driver license and a bill with my current address ) proving that i lived in USA Customer Service replied to me that i will be contact once a specialist review my case and as of today XX/XX/2021 I have not hear from them. I have tried to contact tweeting them and no answer. 
Since i emailed Coinbase multiple times i have two cases number. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I submitted a certified letter to I C SYSTEMS request verification of a collection they place on all three of my credit reports and received no response. It has been 45 days.

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 2021-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
XXXX on mg credit of a XXXX account that ive never had nor owe. Called a few times. And threatened that it will damage my credit if not paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/2021 I received a text from what I believed to be bank of america asking if I attempted to pay a friend {$3500.00}. I responded No, within a minute a phone number called me XXXX same number on the back of my debit card XXXX ) and said they were with Bank of America Fraud Protection department and to verify that the number they are calling me from matches the number on the back of the card. Which it did. They told me the only way to get my money back was to add myself to XXXX to make a transfer from another account I have in order to file a claim on the account they " took '' money from. I was paranoid, so I followed what they said. After transferring the money we got disconnected. I called the number back and someone from Bank Of America told me i was spoofed. I was so angry. I filed a dispute with the bank but they told me that It was a scam and not fraud so therefore I would not be able to have my {$3500.00} refunded. I am completely saddened by this. I filed a report with the FTC and my local Police department as well. 
I have no information on the recipient of my money except the fact that I received an email saying that I transferred myself money through XXXX quick pay. I do not have any affiliation with XXXX XXXX at all.

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 2021-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Please update all of my personal information on XXXX  and Experian to XXXX XXXX XXXX XXXX XXXX, Oh 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 2021-04-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: PA

Complaint narrative:
Ive been only the phone with customer service multiple times Ive been hung up on twice my card has been locked for unknown reason I am XXXX  I have XXXX XXXXssues I cant pay for my medication thats XXXX threatening because they are holding my money I submitted all my documentation 4 times calling to check I was told two days the lock will be removed nothing I am getting very XXXX  each and everyday I dont have my medication I cant pay for because they are Refusing to remove the lock

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 2021-04-19 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 — Problem with personal statement of dispute
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
To whom it may concern, i was working on refinancing my loan back in XXXX and XX/XX/XXXX, my refinance was finalized in XX/XX/XXXX and my mortgage for 2 properties were paid off in XX/XX/XXXX. Originally, the refinance was supposed to be finalized in XX/XX/XXXX but was delayed 1 month. I made my mortgage payments for both loans for XXXX as soon as I found out that the closing is not happening until XX/XX/XXXX. I paid both mortgages from the same back account on XX/XX/XXXX. Both payments went through and I received a confirmation. only to find out on XX/XX/XXXX that my payment to Suntrust  was returned, I called Suntrust and they couldn't find the issue so they submitted a new request and the payment went through. I don't understand how the payment for 1 mortgage went through but not the other. I had over $ XXXX in the account I paid from. Both accounts were paid off on XX/XX/XXXX. I don't think it is fair for me that my credit score is ruined by over XXXX points because of this mistake. I had the money to pay my mortgage, i made my payments within the month of XXXX and both mortgages were paid off on XX/XX/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 2021-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
XX/XX/2021, my job sent me a letter stating an attorney office by the name of Roosen Varchetti & Olivi was garnishing {$1200.00} from my check. I have no knowledge of this debt. I researched and called the office but I was repeatedly hung up after explaining my issue. They are located in Michigan at XXXX XXXX XXXX in XXXX XXXX, zip code XXXX. Phone XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Claimant, XXXX XXXX, requested a new New York XXXX XXXX Debit Card from Bank of America and the scheduled delivery dated to XXXX XXXX 's XXXX. Box XXXX, XXXX, New York XXXX is XXXX thru XXXX day of XX/XX/XXXX via United States Postal Service. As of XXXX day of XX/XX/XXXX, XXXX XXXX have yet to receive new New York State XXXX XXXX  Debit Card via United States Postal Service from Bank of America. XXXX XXXX 's previous New York State XXXX XXXX Debit Card [ XXXX ] was good thru- ( XX/XX/XXXX ). Therefore, XXXX XXXX had to request another New York State XXXX XXXX Debit Card. XXXX XXXX is requesting an investigation. 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 2021-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
I keep receiving robocalls from this number : XXXX XXXX XXXX XXXX. It is Harris & Harris, a debt collection company. I called this company two months ago and told them I owed nothing and they had the wrong phone number. Harris & Harris said that it didn't show that I owed anything and that it would make sure that the calls would stop. I continue to receive robocalls from the above phone number. I don't know what to do. I think this is a scam caller and may not even be Harris & Harris.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Received a letter in late XXXX of 2021 from XXXX XXXX XXXX stating that my Macy 's credit card account has been placed in their office for collection of {$360.00}. This letter had no breakdown or invoice attached, no date purchased, what was purchased or what Macy 's store it was purchased from. This was difficult for me to understand, because that card had not been used by me for over two years and sat in a drawer at home, and for two year I have not receive any bill, phone call or email from Macy 's about money owed in the last two year till this letter. 
Called them and spoke to XXXX XXXX he told me the card has been closed by Macy 's since XXXX of last year and did not have information on the breakdown of charges. After that call I send a charges dispute letters to Macy 's. I then called Credit Control again of XX/XX/XXXX and spoke to a XXXX XXXX he said my account was sent to Department stores XXXX XXXX  ( XXXX ). So I called the Bank the next day and was connected to XXXX ( # XXXX ) He also could not give me any information on the date, time, place of the charges and what was purchased. He then advised me that due to my dispute letter, the account has been sent to a investigation team. 
I received a letter from the Macy 's Fraud Investigation Dept. on XX/XX/2021, stating the matter was being investigated, also that I was obligated to pay any bill not under this dispute ( I have no other charges because I never used the card in two years ) there letter also did not have any invoice breakdown. 
Received another letter from the Fraud Investigation Dept. on XX/XX/XXXX stating that they have completed their investigation and that I am to pay the full amount ( still no invoice with what was purchased, when, and what store, they also stated that if the bill is not paid the three credit reporting service would be notified.

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 2021-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Currently, I'm going through a home refinance. Upon review of my credit information, I was advised by my lender that my XXXX 's account serviced through Wells Fargo was reporting negatively. On XX/XX/XXXX, I reached out to XXXX XXXX customer service and was advised that my account had been charged off on/or around XX/XX/XXXX. Based on the information I was advised during that call, it was due to me failing to make a payment on/before XX/XX/XXXX. 
I purchased a pair of shoes and unfortunately did not receive them in time for a trip I had planned so I returned them on XX/XX/XXXX. This was and had been the only transaction on my account in a year. During the conversation with the representative on XX/XX/XXXX, I was advised that I would have still needed to make a payment by the due date even though the item was returned and then any excess amount would have been later credited back. I attempted to return the shoes on XX/XX/XXXX, however this is one of the stores busiest times of the year for their XXXX XXXX sale and I was unable to get in to return them. 
Throughout the this timeframe, XX/XX/XXXX through XX/XX/XXXX I had not received any correspondence ( Statements ) or phone calls ( Collection attempts ) advising of an amount owed. During the conversation, the representative confirmed that records displayed the last outbound phone call to me was in XXXX of the 2020 year and that she did not know why no calls had not been attempted to collect on the balance owed. Per the representative, the only transaction amount that was due once the return was processed was the late fee for not paying by XX/XX/XXXX and the associated interest. 
It is not until just this past weekend, XXXX XXXX XXXX or shortly prior that I have received a statement stating I have an amount owed of XXXX due on XX/XX/XXXX and another letter ( dated XX/XX/XXXX ) stating my XXXX XXXX account has been closed due to terms violation. 
Had I received statements or even a phone call to notify me of the amount due, I could have made a payment to cover the amount, preventing from the account reporting negatively to the credit bureau and ultimately being charged off over a late payment fee and interest.

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 2021-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Receivable Management Services LLC
State: LA

Complaint narrative:
I am reaching out to have collection debt from receivable management removed from All three credit reports. XXXX XXXX  and XXXX. The company is third party company that has started harassment from different numbers including blocked numbers to collect debt for XXXX car insurance company. The representative are calling with threatening and violent language demanding a payment. I spoke to XXXX on a settlement last year and never was contacted back and now this third party company has purchased the debt and now sending threats. I wish to have Receivable Management removed from my credit reports due to harassment of the consumer and my rights of them purchasing debt which of my understanding is now settled and paid in full by the owner whom now belongs to Receivable Management.

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 2021-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Reference : Homeowners insurance payment for the XX/XX/XXXX renewal : NewRez LLC has represented in Official form XXXX filed on XX/XX/XXXX that our Hazard ( Homeowners ) in the amount of {$1100.00} was paid in XX/XX/XXXX. 
Your letter of XX/XX/XXXX ( in response to complaint # XXXX ) states your insurance department requested a payment be sent out for {$1200.00} on XX/XX/XXXX Your letter of XX/XX/XXXX ( in response to complaint # XXXX ) says the payment for the Homeowners policy was issued on XX/XX/XXXX for {$1200.00}. 

We asking that you check your records from all internal resources available and advise us the date that payment was issued for our Homeowners policy renewal on XX/XX/XXXX.

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 2021-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've asked to remove inquiries and a car loan that is not mine they still haven't responded in credit law they have 30 days to respond

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