vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC
State: WA

Complaint narrative:
I received my first letter from Aldous & Associates P.L.L.C on XX/XX/2021. 

I responded with a validation letter on XX/XX/2021 via US mail certified mail with a return receipt. Asking for Validation of debt and also asking for them to only contact me only in writing. In my letter, I specifically asked for communication in writing. See below ( 1 ). Also, in the letter, I asked for Validation which they never sent me. See below ( 2 ). I sent a second letter on XX/XX/2021 via US mail certified mail with a return receipt verifying I have never received the valdiation and again asking for communication only by mail. Yet, I still am receiving phone calls from Aldous. 

As of XX/XX/2021, Aldous has called my phone 2 -3 times a week. I know this because I have a recording of every phone call via my answering machine. I have had between 10 - 20 phone calls after asking them not to contact me by phone.

( 1 ) " In writing, I would also like to request that your offices make no telephone contact to my home or my place of employment. However, suppose your offices attempt telephone communication with me, including but not limited to computer-generated calls or correspondence sent to any third parties. In that case, it will be considered harassment, and I will have no choice but to file suit. Therefore, all future communications with me MUST be done in writing and sent to the address noted in this letter. '' ( 2 ) '' As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on XX/XX/2021. 
Since you have failed to respond, I assume that you have been unable to validate the debt, and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests. '' As of XX/XX/2021, Aldous has ignored my request to communicate by writing and has harassed me by phone on multiple occasions after asking in a received letter twice. Aldous also as of XX/XX/2021 has not validated my debt per my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
In XX/XX/XXXX I was a victim of identity theft my identity was misused. Someone got apartments in my name and utilities in my name without my permission. I am requesting this be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
On XX/XX/2021 I had applied and received a loan for {$500.00} from Speedy Cash online. I went about my week thinking I had funds in my bank to cover overdrafting my account and then I saw my account at XXXX. On XX/XX/2021 the funds were withdrawn from my account, and also accrued 6 overdraft fees for payments that were supposed to be covered by my loan. I called Speedy Cash support and they told me that they don't see anything in their system that they took my money. I called my bank and they said there is nothing they can do because I have to handle it with the merchant. I sent bank account statements with activity and still waiting from Speedy Cash to resolve the issue. Meanwhile I am accruing penalty fees from Speedy Cash for a loan they gave me and took back. I am behind on my bills and very frustrated with this whole process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Citi has failed to pay me my {$700.00} signup bonus for opening a Citi XXXX Account package ( checking and savings accounts ). I opened my account over the phone with a Citi rep and she assured me that I qualify for the promotion. 

I opened my account on XX/XX/21. The {$700.00} promotional bonus ( XXXX XXXX ) requires me to deposit {$50000.00} in " new funds '' into the account and hold it there for 60 days. The bonus will be paid within 90 days after the $ XXXX is in the account for 60 days. I deposited the $ XXXX into my account on XX/XX/21. If you add 150 days from this date, the last day that Citi should be paying me my bonus was on XX/XX/21. 

I filed a dispute and was given a Case ID ( CASE ID : XXXX ). Citi responded in early XXXX and asked me to provide a XXXX via mail. I mailed the XXXX and it has been delivered to the requested address by Citi. I am now still waiting for the promotional bonus, and Citi has been unhelpful. 

Citi has assured me that I have met all requirements and that I'm eligible for the bonus. I have followed all rules and Citi has failed to follow the rules outlined in their promotion.

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 2021-08-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I mailed in a dispute letter along with a letter from XXXX XXXX certified. I have sent several dispute letters regarding the account listed below which does not belong to me and is unauthorized to be on my credit report. I spoke with a representative at Experian who confirmed they received my dispute however the Experian is negative information on my credit report. I attached the letter from XXXX XXXX XXXX stating they are not handling this account and the information should be updated however Experian closed my dispute and disregarded the letter from Convergent Outsourcing. The other bureaus are not furnishing this information however Experian is and it needs to be deleted immediately.

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 2021-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/2021 there was a fraudulent XXXX charge put on my Bank of America visa credit card account. Bank of America said that XXXX sent them documentation that an authorized user on the account made a purchase and it included an order number, item number, and USPS tracking number. The only authorized user on the account is my wife and she did not make this charge. The day before my wife charged some clothes over the telephone using that card. She gave her name, address, and credit card information over the phone to an order clerk. I believe that information was used to open an XXXX account to make the order. I sent a police report, the reporting officer 's name and phone number, the police detective 's name and phone number that is on the case, and the USPS Postmaster 's statement that the item was delivered to a different address, but in the same city. I included the Postmaster 's name and phone number also. I have called the Bank of America fraud line numerous times, waiting on hold from 15 to 45 minutes each time, but get a different person every time and get nowhere with them. This has been going on for over two months and I'm feeling helpless trying to get my money back.

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 2021-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: IA

Complaint narrative:
US BANK allowed a debit transaction to process when there wasn't sufficient funds in the account to satisfy debit amount, without my permission. The consequence being my account being overdrawn. To which US BANK promptly added a overdraft charge of {$36.00}, a maintence fee of {$14.00}, and {$.00} service tax. When I contacted customer service, demanding a reversal of charges because I did not authorize said transaction. But also, US BANK should protect their clients accounts from such transactions is their are insufficient the in the account. Instead, US BANK designs their mobile app to have a default setting ALLOWING transactions to complete WITHOUT SUFFICIENT FUNDS. The support rep explained that I could change this overdraft setting, if I preferred. But nowhere, on their app or website, does the bank inform their customers that there is a setting for overdraft permissions and that it's default setting is in " allowed overdrafts '' mode. 

. This obvious fraud, as in the bank 's monetary gain from overdraft charges in the amount of {$36.00} per overdraft, needs to be addressed immediately. THIS IS OBVIOUSLY INTENTIONAL in order to financially gain from overdraft fees and FRAUD.

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 2021-08-21 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: GA

Complaint narrative:
To Whom It May Concern : My credit report is reflecting the late payments as seen below. These accounts are in error because they were paid on time. Please reinvestigate the following accounts and update my credit report to accurately reflect my credit history. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within 30 ( thirty ) days. 

Company Account # XXXX XXXX XXXX I would appreciate you sending me an updated copy of my file as soon as you have completed the investigation. 


Sincerely, 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 2021-08-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Regional Management Corporation
State: NC

Complaint narrative:
The company is Regional Finance.I paid my debt in full on XX/XX/21. I had to wait 10 business days before a written letter from this company would email and/or mail out to me a letter that this account is satisfied. I have called twice and it is repeated to me, " its in the mail ''. Please assist with me obtaining this letter. This loan is paid in full. I would like to submit the letter to the three credit bureaus. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I was reported late to the credit bureau XX/XX/XXXX by XXXX XXXX XXXX. I sent a dispute to Experian and the information came back verified. I am unable to easily dispute the information again with my proof via online. I signed up for payment protection with XXXX XXXX XXXX and was supposed to be back dated to avoid having a late payment this did not happen.Due to the error I was denied for leasing and now myself and my XXXX children are left XXXX due to the careless verification process. I attempted to contact XXXX XXXX XXXX directly but was left on hold and the agent never returned the line dropped on the morning of XX/XX/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 explanation
Consumer complaint received 2021-08-21 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: OH

Complaint narrative:
I made a duplicate payment on my monthly credit card bill to Capital One in error. The amount was {$3700.00} and I notified them immediately. They acknowledged the duplicate payment and agreed to return the money by check in 14 days. I can wire transfer money to them but they can't wire to my bank cumon!!! Why do I have to wait 14 days. When I asked to speak to a manager or someone with more responsibility I was advised that there was no one available. If I am 14 days late on my payment I'm required to make late payments and interest fees. This is an absolute abuse of the consumer. In addition my duplicate payment was made XXXX and it is now XX/XX/21 and I still have not received my money. Furthermore I had to pay a {$15.00} fee because my account went under the minimum as a result of the payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Coinbase, Inc.
State: SC

Complaint narrative:
I opened a Coinbase account in XXXX with XXXX as a ID username and password. I started using the XXXX XXXX in XX/XX/XXXX using a pin code and facial recognition XXXX. I completed all of the XXXX information using drivers license, debit card, ssc, birthdate and phone #. I purchased several $ XXXX of dollars of crypto currencies on the Coinbase exchange as an investment. XX/XX/XXXX my access via pin code and facial recognition XXXX was denied leaving my XXXX as my only access to this account. In XXXX of XXXX my XXXX  account had been closed due to hacking. Leaving me no options to access my Coinbase account. 
I have contacted Coinbase to resolve the access to my account thru bank records and the XXXX  that I provided. They say that the ONLY way to access my account was to use the registering email, XXXX that XXXX has permanently deleted. Coinbase has not provide me with an alternative resolution to establish my identity and has blocked my communicating email of XXXX. I believe that email as an XXXX  is the most vulnerable of securities in terms of financial services. I am deeply disappointed in Coinbase and their lack of care with customer complaints, account handling and access given the XXXX, know your customer, steps needed to establish an account. Coinbase has no communication thru phone or email. XXXX no longer works and my email XXXX has been blocked from this server.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I was reported late to the credit bureau XX/XX/XXXX by XXXX XXXX XXXX. I sent a dispute to XXXX and the information came back verified. I am unable to easily dispute the information again with my proof via online. I signed up for payment protection with XXXX XXXX XXXX and was supposed to be back dated to avoid having a late payment this did not happen.Due to the error I was denied for leasing and now myself and my XXXX children are left XXXX due to the careless verification process. I attempted to contact XXXX XXXX XXXX directly but was left on hold and the agent never returned the line dropped on the morning of XX/XX/XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: KY

Complaint narrative:
There is incorrect information on my background check by checker. There have been 3 to 4 years a background check done by this provider with no problem this year a felony appeared on my record which I do not have it says that I pled guilty to a felony I did not. I have been deactivated by my employer XXXX for this felony that is incorrect I have attempted to have this matter corrected with checker to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
Bayview loan Servicing/Community loan Servicing are refusing to grant me COVID-19 RELIEF! I AM NOT BEHIND ON MY MORTAGE I called them on XX/XX/2021 and requested forbearance Bayview/Community LOAN SERVICING HUNG UP THE PHONE ON ME TERRIBLE CUSTOMER SERVICE TYRANNTS YES THEY ARE XXXX  THEY ARE OUT OF CONTROL JUST MEAN TO CONSUMERS! THE GOVERNMENT OWNS FHA AND HAVE ALLOWED THIS SCUTINY TO CONTINUE ON OUR TAX DOLLARS! WE THE PEOPLE DESIRE AND DESERVE BETTER! i WANT RELEIF WITH OUT DESTRIMINATION! WE THE PEOPLE ARE THE POWER WE ARE PAYING THESE GOVERNMENT HIRED XXXX  TO XXXX US HERE IN XXXX FIRE THEM ALL! FOR XXXX XXXX BAYVIEW LOANS ARE BEING SUED LEFT AND RIGHT BY THE SAME GOVERNMENT THAT HIRED THEM! CONTINUING TO CHANGE THIER NAME THEY ARE XXXX THE GOVERNMENT HIRED TYRANNTS! THAT IS WHY THEY CONTINUE! REMOVE XXXX/BAYVIEW/XXXX/COMMUNITY AND ALL OF XXXX OTHER NAMES FINE AND PENTILIZE THEM FOR NAME CHANGING XXXX DOLLARS FOR NAME CHANGE AND THEN THIS NONSENSE WILL STOP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
To Whom It May Concern : My credit report is reflecting the late payments as seen below. These accounts are in error because they were paid on time. Please reinvestigate the following accounts and update my credit report to accurately reflect my credit history. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within 30 ( thirty ) days.

Company Accou
nt # Gm Financial XXXX I would appreciate you sending me an updated copy of my file as soon as you have completed the investigation.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I purchased an XXXX from Apple with my Apple credit card and went to return it for the smaller size. When I returned it to the store, they made an error and gave me a receipt with a different serial number so it looks like I never returned it. Apple refuses to refund me and I bought it with their credit card so their customer service passes me to the store.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: SC

Complaint narrative:
This is a written demand to ceo XXXX XXXX that as a consumer and the original creditor I am exercising my right of rescission. I rescind all signatures, endorsements, securities, and consents there of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: GA

Complaint narrative:
On XX/XX/XXXX, I sent a letter to Transunion disputing inaccurate information on my credit report. They sent me a letter stating that it was verified. I then sent a follow up letter on XX/XX/XXXX asking how was a bankruptcy verified if I contacted the courthouse, spoke to Ms. XXXX XXXX at XXXX on XX/XX/2021, at XXXX and she stated that they do not do any business with the credit reporting agencies, hence, they do not report anything to Transunion ? So, how did they retrieve this information if the US Bankruptcy of XXXXXXXX XXXX did not provide such information to them. 

This unverified and inaccurate information they are reporting has made me paid several thousands more in interest and is preventing me from getting approved for a mortgage. So I demand that Transunion delete this item from my credit report immediately.

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 2021-08-21 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Today is the XXXX of XX/XX/2021 and navy federal has generated my closing statement for the XXXX. I made a payment today that will not be included in my payment statement even though I made it a day early before the actually closing statement day. I was told ( when speaking to an employee of the bank ) that the closing statement was produced on Friday which was yesterday the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation