vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Renton Collections Inc.
State: WA

Complaint narrative:
Hi, today I got notified that a collection account related to a medical bill has got reported to my credit history. The collection agency contacted me ~6 months ago and informed me about unpaid balance and immediately took action and paid the entire bill to the SERVICE PROVIDER and then sent the receipt of the payment to the collection agency. They told me it will take 2 weeks for their records to get updated and they will remove the claim as soon as they confirm it with the provider. After that I tried multiple times to contact the collection agency to resolve the issue but they kept saying the account is under review. The service provider name is " XXXX XXXX XXXX XXXX ''. As per attachments you can see that I have already made a payment of {$68.00} on XX/XX/XXXX to the service provider. In order to prove that the transaction has actually gone through, I've attached my XXXX card statement for XXXX for your visibility. 
For the past 6 months, I've made multiple attempts to resolve the issue by contacting RentonCollections but I keep hearing the account is still under review. Today I got informed that this account is actually reported to my credit history. I immediately filed a dispute and send RentonCollection an email to remove this account from my credit history ( again ). But no action is taken yet. I feel I'm being financially abused and they are intentionally delaying the review.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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
State: WA

Complaint narrative:
Around XXXX XXXX I had my PUa unemployment assistance deposited in my Venmo account and my account was frozen and I was told after 180 days my funds would be released the 180 days have passed and they still refuse to release my money after several attempts to ask why with no explanation Ive contacted my attorney and he advised me to file a complaint here my email associated with my account is XXXX And ticket number for this problem is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING LLC added a derogatory mark on my credit report per XXXX XXXX stating that I owe a current account balance of {$1100.00}. That is incorrect because that is not my account. The Debtors creditor did not verify this collection. Also, there was NO written form of communication, contact, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill and claim its mine. According to the FCRA, LVNV FUNDING LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received my credit report from Transunion. I called to dispute my personnel information. Not only did the rep. XXXX XXXX place me on hold for 15 minutes. He comes back to inform me he can access my report due to incorrect name place on my credit report. I have a fraud alert on my reports for five year. During this time i have not used my credit for any purchases ' am opt-out of promotional advertising. Yet, Transunion is pulling my credit report or reviewing my credit reports without my consent monthly. Prior to todays call i sent over my California Drivers license as proof of my name.

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 2021-02-10 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was charged by XXXX for XXXX on XX/XX/2021 and XX/XX/2021 from my account from TD BANK ending in XXXX. I disputed the charges both times and I was denied my claim. I had originally contacted XXXX to resolve but they have no record of my card being registered as a form of payment. My XXXX account is being paid through XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
they are old debt lost job they try not get touch with me till 2 or 3 year later

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 2021-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: ID

Complaint narrative:
I am complaining about Coinbase, Inc. who have locked me out of my account which contains about {$25000.00} in assets. 
I invested money in two cryptocurrencies  : XXXX  ( ETH ) and XXXX ( LTC ) a few years ago. My work email was used to set up the Coinbase account ( XXXX ). 
I have not accessed that account in about 4 years and I have changed jobs and can not access the previous email account. Coinbase customer service told me to open another account with my new email ( XXXX ) and they would merge the old and new accounts. I did that, but they have locked that account also. I followed all the steps customer service told me to follow including sending them my ID. All they have to do is reopen my account, but they just ignore me over and over and I can not access my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-10 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: MO

Complaint narrative:
Equifax is reporting items on the credit report that are incorrect. I have made numerous attempts to correct this matter with them. Sent via unites States Registered Mail RF XXXX XXXX XXXX US To Whom It may Concern : Social Security number ends in XXXX email : XXXX Pursuant to 15 USC 1681 a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card under 15USC 1681 is the same as it is under 15USC 1602 ( I ) which is " the term '' credit card '' means any card, plate, coupon book or other credit device existing for the purpose obtaining, money, property, labor or services on credit. '' Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 Chapter 41. The accounts they are reporting that need to be deleted permanently/removed permanently are as follows : Account holder not the borrower XXXX XXXX Account # XXXX Account holder not the borrower XXXX # XXXX Account holder not the borrower XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I first reached out to TD Bank through the CFPB on XX/XX/XXXX. At that time there were issues preventing me from accessing my accounts. Those issues were resolved. I was granted additional time by your Promotions Department to meet the requirements for the promotions that you are running on your Checking and Savings accounts. I was granted additional time to have funds transferred into my Savings account - XXXX. 

I have met all of the requirements of the Savings account promotion. All qualifications were met by me on XX/XX/XXXX as that is 120 days that I had kept {$20000.00} or more in my account. I am due a {$200.00} bonus in my Savings account for meeting these requirements. The {$200.00} did not post to my account as expected. 

On XX/XX/XXXX I reached out to TD Bank 's customer service through secure message on their web site to inform them that I have not yet received the {$200.00} bonus. I received a response with the following : " Thank you for contacting us about the promotion. 

This account has been added to our expectations list already. It will be paid during our next fulfillment cycle, within the next 3-4 weeks. 

We sincerely apologize for any inconvenience. '' I had wanted to downgrade my accounts to a lower-tier, as with the pandemic and health concerns right now and other challenges, I would like to withdraw my funds from the account without it affecting the promotion and without being charged monthly fees. I wish to downgrade the accounts to the lower tiers. However, I have patiently been waiting for the guaranteed {$200.00} bonus to post to my Savings account. 

I have waited the " 3 - 4 '' weeks as promised. Yet the {$200.00} bonus has still not yet been credited to my Savings account. I feel like I'm being strung along as I wait longer and longer past the date where the {$200.00} was supposed to be credited to my Savings account. I have reached out multiple times to TD Bank to ask when it will be credited. I was informed multiple times that my account is on their exemption list to receive the bonus. So I patiently waited the full " 4 weeks. '' Four full weeks from XX/XX/XXXX should XXXX XX/XX/XXXX. However, the missing {$200.00} Savings account bonus has still not been received. I have been patiently messaging with customer service, but still have not received the bonus. After waiting an additional two weeks ( 6 weeks past the date it was expected to receive the bonus ), I now feel I have to follow-up through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
Hello I am a single XXXX American woman residing in XXXX NY. In XXXX of XXXX I purchased my home in the XXXX XXXX section of XXXX NY. The total purchase amount was considered a jumbo loan so I had to take out 2 loans at closing ... one was a conventional mortgage at 4 % and the second was a line of credit from PNC bank for the balance {$150000.00} The interest on this second mortgage was and still is 9 %. I have tried 4 times throughout the life of this loan to modify to a lowered interest rate. Each time up until recently ( XX/XX/XXXX ) in the XXXX of a pandemic I have been denied. I started the process in XX/XX/XXXX, submitted numerous documents via fax and XXXX only to be told that I did not qualify for a modification, that I had exhausted all other options and that I am now 4 months past due. The reasons given for the denials is always that my income is not sufficient to qualify. So I am forced to continue to pay an interest so exorbitant on a package they no longer offer for new applicants due to its predatory nature. I believe that ECOA violations have occurred and I wish to file a formal complaint against PNC bank for Discriminatory mortgage lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I purchased a refurbished exercise equipment from business called XXXX XXXX via an EFT transfer for {$2800.00}. I provided the business with my checking account information so that they can do the EFT transfer. 

My bank ( Chase Bank ) called me on XX/XX/12 to make sure I did authorize the payment and I did confirm that. I called them very shortly after to ask if I'm protected in case the business is scamming me and the guy on the phone said yes. I specifically mentioned EFT transfer and his answer was yes. Both phone calls are supposedly recorded. 

Unfortunately, I started having suspicions of the business right after I authorized the payment ( just reading bad experiences from people on several web sites ). Because Chase bank told me I'm protected, I was less worried and took the chance. 

I think I would have had a chance to immediately cancel the payment had the Chase bank associate told me that I was not protected. 

A week after that ( don't remember the exact date ) and after I have not received any response to an email I sent to XXXX XXXX, I called the bank and asked them to recover the money. 

This time, Chase told me that they can not help me because EFT transfers are not covered under federal consumer protection laws. 

I already filed complaints with XXXX, Attorney General of Texas, and the FTC. The FTC directed me to file a complaint with you regarding my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I followed a complaint on XX/XX/XXXX with the CFPB and received a follow up on XX/XX/XXXX letter that XXXX will be following up. I never received any follow up from CFPB orXX/XX/XXXX afterwards so I called XXXX and was told my balance was XXXX. Recently I have started getting bills again for the same complaint that I believed was resolved. 

the complaint id is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
I made a purchase at XXXX XXXX XXXX XXXX on XX/XX/2021 in the amount of {$24.00} and had problems with the online/mobile transaction. When I attempted to dispute the charge on barclaycardus.com it doesn't give me the dispute option, and when it does it states that I have to mail in my materials to a Delaware address. I haven't experienced anything like this in the past XXXX years, everything we do these days is online! I had to call in 4 times because everyone I spoke with kept transferring me somewhere that would answer with a message along the lines of 'we are unable to take your call, please call back again later '. That message is sort of odd, since we're about 10 or so months in Covid. That excuse is so worn out by now, no one accepts it anymore. When I finally did get through to someone ( who called herself XXXX, and promptly hung up on me ) she was very argumentative. If Barclays does not want my business, please let me know!

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 2021-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Circle Internet Financial
State: GA

Complaint narrative:
I have never set up or even heard of an account called Circle Internet. This morning I was ACH withdrawn for two payments. Neither one I placed. I never made an account. There is no phone number for the company and customer service refused to respond to me. Ive never used this company and it just showed up in my checking as a charge when I had not placed this. They never got back to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NC

Complaint narrative:
On XXXX XX/XX/XXXX I received a Property Tax Delinquent Notice, I called my mortgage company BSI Financial Services and was informed that a tax disbursement should have been made in XXXX of 2020 but was not and was then told that an expedited request had been submitted to resolve the issue. Fri morning XX/XX/XXXX I called XXXX XXXX Tax Office ( NC ) to let them know what had happened. They told me that BSI Financial Services would be responsible for the interest also. I then called BSI and was told that yes they would pay the interest, I was also informed that my taxes should be payed by Monday XX/XX/XXXX. 
I called BSI again on Tue XX/XX/XXXX and was told that my case was still under review and that it could take up to 3 to 5 business days to complete, I told them this was not acceptable as the deadline to have the payment made is the XXXX of XXXX. The last person I spoke with named XXXX told me that she would call me today ( XX/XX/XXXX ) and let me know what was going on. As of XXXX there was no call from XXXX, so I called them ( BSI ) again. Once again being told that they were " talking '' to the people in the Tax department, then was told that my Property taxes we're not late ( yet I have a delinquent letter in my hand ). The response I Kept hearing was " it's still under review, or we're working on it ''. Mind you the deadline is Fri XX/XX/XXXX. I was told that I would get a call back within an hour which would be around XXXX EST. I called BSI back around XXXX EST and the lady told me that a disbursement was made on XX/XX/XXXX in which I corrected her. Was then connected to the lady I spoke with earlier and was told to give her until tomorrow morning ( XX/XX/XXXX ), I told her that was unacceptable to which her response was that " all managers had gone for the day ''. So here we are XXXX EST on XX/XX/XXXX and my property taxes are still NOT paid, and a deadline of XX/XX/XXXX. 
I told her that she has until noon tomorrow ( XX/XX/XXXX ) or I will pay the taxes myself and seek restitution via legal action. There are currently 98 NEGATIVE reviews on this company with the latest one also involving non payment of property taxes. 
My 2020 property taxes were due in XXXX of 2020 for XXXX plus interest of XXXX for a total of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have over {$1.00} XXXX tied up on coin base exchange. XX/XX/XXXX my password was suddenly not working. I tried to contact coin base but there is no phone support and when you email them you just got an automated response. The only available phone number allows you to lock your account for security reasons which I did. That was also automated. Once I locked my account it said it would take XXXX to XXXX business days for a representative to review it. 
It has now been just about a month I have no access to my funds and no way of contacting anyone at coinbase. I have read on XXXX that many many many people are experiencing the same issue. Client base charges 2 % for every transaction they do and they are doing billions of dollars worth of transactions yet they can not hire a support staff to even answer emails let alone have an open telephone line. I believe this borders on fraud and their site is greatly miss leading to the public. I am not alone in this but I have a huge sum of money but I have no access to. It is causing me emotional distress and financial hardship. I went as far as to try to email the CEO on XXXX of course I got no response just like the rest of the company. Feels like a sham smells like a sham

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
your agency gives teh telephone number XXXX to call to get a free credit report. when i called tonight wednesday night about XXXX to XXXX XXXX i got a robot that said i could get a free credit report if i replied to their questions. so i spelled out my name, address, telephone number, and all those questions. then we got to my birth date.i am a senior citizens. they said put it in 2 digits for month, 2 digits for day and 4 digits for year. i put all those in and it would not accept my birth year XXXX. this is discrimination against senior citizens. i am asking this federal agency to immediuately get after this company for discriminating against senior citizens. i would like all 3 report from all 3 companies but look at the XXXX they put you through. i lost getting this report tonight because they have not programmed their robot correctly. will you help me please. i am so distraught over this. i want my free credit reports from all 3 companies, but this one i started with is discriminating against me becasuse of my age.

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