vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & R Collection Service, Inc.
State: UT

Complaint narrative:
On XXXX XXXX, 2021 that read <my name> Your document delivery has been scheduled for Thursday, XX/XX/XXXX XXXX. Document requires signature at XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. To manage delivery please contact XXXX  XXXX XXXX XXXX. Reply XXXX to stop messages. 

I called the number and I was told first it was an attempt to collect a debt. They knew my name and a bunch of information like the last 4 of my social, past employer, bank name, etc. It sounded legit because I've taken payday loans out many years ago. He stated that I defaulted on a {$500.00} loan and fees and interest has grown the amount owed to over {$2600.00}. I can settle with him, the rep, for {$500.00}. If I do that, I won't be reported to credit bureaus but the notification I am to get tomorrow is voided because I called. He said he'd send an email about settlement while we were on the phone. I told him I would not pay anything today and that I need to see it all in writing. He said that would mean I am defaulting and disputing which meant it would be reported. I asked who I was talking to and he said he is with R & R Collections, his name is XXXX XXXX, rep number XXXX. He talked very quickly at that point. He then reiterated that I am not agreeing to settle and I can dispute it. He then hung up. I called back, was put on hold, then finally got a woman who told me the name of the creditor is XXXX XXXX XXXX. That is not a company that XXXX  well and the woman told me that they are a parent company of many payday loan companies. She also said she doesn't have a phone number for them. I have reported this to the Texas XXXX  and will write to R & R to stop calls. BTW-I tried calling the R & R Collections in Texas and there was no answer. This screams scam but if I do owe money I need the actual company to call me and discuss it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC.
State: PA

Complaint narrative:
Since the migration of the AXOS Invest product to their website on XX/XX/XXXX, no withdrawals or transfers have been possible. I have been attempting to withdraw funds for over a month. I contacted support after my request was not filled and was notified my investments have not yet been sold and they have no ETA. Nothing has been transferred weeks later. Keep in mind the market is extremely volatile, so my account balance is decreasing during this time. There is no way to determine when funds will be sold or the value of the underlying funds when trades are executed. I desperately need this money. There are over 19,000 other people in the same position.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am writing you regarding the apparent intentional mishandling of my credit card deposit refund of {$500.00}. In May of last year I requested my credit card account, ending in XXXX, to be closed and my deposit return. The agent took her time closing my account and applying a credit to my account. It took them three months to send out a check for my deposit at which time I was already out of town. I spoke with an agent and he said he would be able to cancel the check and credit my account. Then he would be able to perform an ACH transfer of the credit to my checking account at Capital One, ending in XXXX. That did not happened and I had to call back in XXXX to get it done. I spoke with another agent who said she would resubmit the request. She took no responsibility for the fact that other agent and supervisors had committed to performing an ACH transfer on multiple occasions and had failed to do so or let me know it is not possible. She said the only way to return my deposit would be via a check through the mail. 


On XX/XX/XXXX I noticed that there was a transaction on my account ending in XXXX, XFER SC DEPOSIT TO SC PAY, and the {$500.00} refund was not there anymore. I called Capital One to find out what this strange transaction was and they said they refunded my deposit to XXXX XXXX, an account I initially used to send the deposit but which has been closed for years. I am not sure how you send money to an account that is closed. But, in any case I never authorized anyone at Capital One, at any time, either verbally or in writing to deposit money in any account other than my account at Capital One ending in XXXX. I contacted XXXX XXXX and they confirmed that the {$500.00} was returned to Capital one on XX/XX/2021. However, Capital One does not acknowledge that the funds were returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
I opened a Coinbase account on XX/XX/2021. I bought XXXX the first day. On XX/XX/2021, I purchased more XXXX and also bought Bitcoin. I bought a total of 6 XXXX and approximately XXXX XXXX. My {$3800.00} XXXX transaction went through at XXXX XXXX XXXX time. The platform experienced massive problems on the XXXX and when I checked my account at XXXX XXXX XXXX time, I saw a duplicate and unauthorized transaction for {$3800.00} in XXXX, bringing the total amount of money invested in cryptocurrency to {$18000.00}. I thought my account had been hacked and disabled it and contacted customer service for an unauthorized transaction. Since then I have been unable to log on to my account. I receive a your account is temporarily disabled message. I also contacted customer service on XX/XX/XXXX and have not heard anything since then. And am still locked out of accessing my hard-earned money. I would like to regain access to my account so I can move it out of their exchange. 

Note : since I'm locked out o my account, I am unable to take a picture of the transactions on Coinbase 's platform.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Omni Financial Corp.
State: PR

Complaint narrative:
A credit thief went to a car dealer in XXXX  Alabama, impersonated me and took out an over {$44000.00} XXXX  under my name, financed it with SE XXXX  Finance DBA OF WOFC ( account # XXXX ) and is not making the monthly payments on it. I complained to the credit companies on another case and found that this company also reported a new account on my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Since joining Serve American Express I have dealt with a lot of fraudulent charges on my debit card. I have file disputes for all the unauthorized charges but the claims were denied. One of the problems is they dont have a chip on their card and they dont require a pin when making a purchase. Someone had to have my card information. I have let other use but I dont know who could have make then purchases. I have multiple banks and I was using this card for a saving outlet. I was using the account for direct deposits. 
XX/XX/XXXX XXXX XXXX {$25.00} ( not authorized ) XX/XX/XXXX XXXX XXXX  XXXX ( Covid stopped this so I asked for a refund ) XX/XX/XXXX XXXX XXXX XXXX XXXX {$89.00} XXXX XXXX {$44.00} XX/XX/XXXX XXXX XXXX {$32.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX These charges are not authorized. XXXX XXXX was not authorized and it seems to be linked to XXXX. I have talked to the merchants and they explained things to me. These charges are all over the place. I have never been to XXXX. There also a hotel booked in XXXX. I have never been there! 


XX/XX/XXXX XXXX ( Covid stopped this so I asked for a refund ) XX/XX/XXXX XXXX These were authorized authorized charges. I purchased a trip but due to Covid I could not travel. They charged me an extra {$190.00} make another reservation. The final price was suppose to be {$990.00}. I asked serve for a refund because the company over make me pay extra charges. 

XXXX XXXX {$240.00} XXXX XXXX {$650.00} Think I lost my card at food lion on XXXX. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I used my card at the ATM to pay someone. I got change for the cashier and I think I left my card at the atm or register. I didnt realize the card was missing until I tried making a purchase someone else. Once I couldnt find it i checked my balance and seen the unauthorized charges. Immediately I froze the card. 


XX/XX/XXXX XXXX XXXX {$110.00} This charge is with Purchased a bike on XXXX and never received My item.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/21 I noticed {$4000.00} was removed from my savings account. I called my bank Wells Fargo immediately to inform them of this and opened a fraud claim. Apparently someone had opened an account with the XXXX XXXXXXXX XXXX and had my money from Wells Fargo transferred to that account.They told me it would take 10 business days to investigate my claim. I called everyday to stay on top of this and to get additional information as to how this could have happened. Finally on the 11th day I called Wells Fargo as no one had contacted me, it was then that they informed me that my fraud claim was closed and denied. Claiming it was done by me through my device based on the IP address. Obviously my phone was hacked because i did not authorize or do this, nor does anyone have access to my accounts. It clearly states on google that that your IP address can be hacked and your device can be taken over. I am single parent and this was the money I was saving to fix my furnace, why would I transfer all the money i had to an account in XXXX and leave myself with nothing? I just do not know what to do at this point? Any assistance you can provide me would be greatly appreciated. Thank you!

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 2021-02-24 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I spoke with them regarding the incorrect information on my credit report on XXXX at around XXXX I was told by XXXX XXXX that due to the incorrect information that they had on file that I should dispute the reporting of XXXX late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX My email address is XXXX My phone number is XXXX My mailing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX My Fl DL G XXXX XXXX XXXX XXXX XXXX On or around XX/XX/XXXX if 2020 I found an add on XXXX for an apartment for rent. I have communicated with the said landlord for over 20 days founding in the date that I was suppose to take possession that I got scammed. 
This claim is against Zelle In well known app which is embedded into my mobile XX/XX/XXXXmobile app. 
There were there transactions made from my Account through Zelle app. Before I sent the money I asked for a lease/rental agreement and a copy of the ID. The place was also advertised for rent on a different website which was included in the rental agreement. The rental was for a place in XXXX XXXX Fl. The payments were made as follows : First payment of {$1000.00} on XX/XX/2020 Second payment of {$2800.00} on XX/XX/2020 Third payment of {$3500.00} on XX/XX/2020. 
The imposter whose ID I included for your records, told me that I can not see the unit because it was rented and the tenant was going to leave in the day that I was suppose to take over and it needed to be sanitized and cleaned because of COVID 19. This add was posted as a short term rental stupidly I was checking in at XXXX XX/XX/XXXX on XX/XX/2020 It was a hotel and they post phone the check In until XXXX XX/XX/XXXX telling me that the apartment was not ready. 
As soon as I got theres he front clerk told me that the place was not available and that this unit does not even exist. I immediately insisted to call the police. I made a police report with the XXXX police department case number XX/XX/XXXXXXXX. 
Since it was after XXXX I could not call my bank immediately, so I called next day and I made a claim with XX/XX/XXXX claim # XXXX XXXX XXXX They told me that would take 45 calendar days for the problem to be solved. I have numerously followed up with the bank and with the police department, but nothing has been solved until now. In XX/XX/XXXX I made an FBI report and I submitted through fax the report to my Bank. 
Today I am making a claim against Zelle and the receiving bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to you in order to let you know that there is a need of investigation. Recently I checked my profile/ credit report and I saw fraud accounts and inquires there. I do not know how that possible but I do not recognize any of them. I am victim of identity theft, maybe somebody put my name or just used my personal data or anything else but I insist on investigation and AFTER PLEASE DELETE THEM all. I am very sad that this happened to me as well and honestly it ruined my plans. I am very responsible person and I have never had something like this in my credit report. Please recheck this misleading information asap and delete from my profile.

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 2021-02-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to you in order to let you know that there is a need of investigation. Recently I checked my profile/ credit report and I saw fraud accounts and inquires there. I do not know how that possible but I do not recognize any of them. I am victim of identity theft, maybe somebody put my name or just used my personal data or anything else but I insist on investigation and AFTER PLEASE DELETE THEM all. I am very sad that this happened to me as well and honestly it ruined my plans. I am very responsible person and I have never had something like this in my credit report. Please recheck this misleading information asap and delete from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: KY

Complaint narrative:
I XXXX my application, appraisal and money order to Nationstar to have 20 acres of property released from my current mortgage on XX/XX/2021. After not hearing anything back about receiving the application, I called and was told the application with the appraisal was received and the money order was cashed. I followed up with multiple calls and never got an email response from the agent handling my account. On XX/XX/XXXX, I received my first and only correspondence to date from the agent. In this correspondence there was an appraisal request in reference to a property that was not mine. It was a different customers name and information in a different state. I immediately replied letting the agent know and reminding them that they had my appraisal and even directing them to the page that stated the land value appraisal. I never received a message back. I have called 3 times and I have sent emails, the call center people have also emailed the agent each time on my behalf. They do not have anyway to get into phone contact with the agent and I have asked if I can speak with someone in her department, but they are unable to. 

This process is holding up our construction and the lack of communication and poor customer service, from the agent is unacceptable. The call center people have been great, but are not given the tools necessary to help. If I knew this was going to be so poorly handled, I would have refinanced with another company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
On XX/XX/2021 Carrington Mortgage representatives provided information that my XXXX XXXX mortgage only qualified for a 12 month forbearance but the policy indicates that I qualify for a maximum of 18 months. I verified this information by contacting XXXX XXXX. Carrington XXXX  has consistently provided me with incorrect information regarding COVID forbearance and modification leading me to make uniformed decisions like starting repayment prior to being able to. They are misleading many of their customers into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: NV

Complaint narrative:
I spoke with XXXX XXXX and advised them that I lost my job due to COVID-19 and they placed me on a hardship payment and advised as long as I made the payments I would be reported as being current

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: Army and Air Force Exchange Service
State: AE

Complaint narrative:
This complaint is regarding the online payments system for the Military Star credit card, offered through AAFES ( Army and Air Force Exchange Service ). 

The online payments through their website are restrictive, which I can only assume has the intent of creating missed payments and interest owed. Specifically, you may only make a single one time payment per billing cycle. This was the error message when I tried to pay my balance : " Our records indicate you already made a payment this billing cycle. To make another payment before XXXX, please visit store customer service or make a payment via your bank provider '' Their recurring payment options were similarly restrictive, lacking an option to pay the full account balance. The offered options were minimum balance, previous statement balance, or a set dollar amount. 

On calling their customer hotline for more information I was told that I can make payments over the phone or in store at any time, but may not make more than one non-recurring online payment per billing cycle. They clearly have the capacity to process these payments, but want to make it more difficult and time consuming to do so. 

While these decisions they have made are ultimately minor and probably not illegal, I certainly find them to be unethical. I can think of no reason to restrict payment on credit card debt other than to generate missed payments and interest charges. This is especially troubling in the context of a lender that does business exclusively with the XXXX XXXX, a group that is particularly vulnerable to predatory lending practices.

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 2021-02-24 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: SYNCHRONY FINANCIAL
State: PA

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

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