vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
had 2 yrs internet contract with XXXX XXXX XXXX from XX/XX/XXXX till XX/XX/XXXX, more than 2 yrs. At XX/XX/XXXX midnight service disconnected, ps notification. Received box 2 weeks after to return equipment, i sent modem and accessories, ps XXXX tracking on receipt XX/XX/XXXX they received XX/XX/XXXX. They told me to climb to the roof to remove their dish and send them a piece with instruction how to use tools to remove. I told them they must come to take it as they did in my 1st contract. I do not know how to do and have no idea. XX/XX/XXXX they created a new account number XXXX from the original and took {$270.00} stating that it is a service from XX/XX/XXXX to XX/XX/XXXX while i have no service since XX/XX/XXXX midnight. My service account number had always been XXXX ps documents. 
All my payments were automatic, my contract amount for unlimited internet {$150.00} but they charged {$160.00} they said it is modem fee, it is impossible to use another modem which is wrong. They seldom charge even that amount, ps my final bill {$160.00}, my bills vary {$160.00} and {$180.00}. Every time i complaint, they said it is only for one time due to some issues, but never. After they took {$270.00} on XX/XX/XXXX they tried again a week after to take again another {$270.00} ps notice, likely i blocked them, that transaction failed. I asked them while they are doing that, they said i have to send them the satellite equipment. Finally i had to find someone on my own to remove that on the roof. I sent them XX/XX/XXXX and they received XX/XX/XXXX. I called them last week, they said it takes 10 business days to process the refund. Surprinsingly i found again a collection letter XX/XX/XXXX for {$270.00} plus fees. We are in a country a law. My question how a company can just create an amount to rip off clients with no evidence. They owe me that amount, i filed with XXXX XXXX XXXX for unauthorized charge because i have no bill. I ended up finding someone for that satellite issue to remove and sent equipment, ps XXXX tracking for reception XX/XX/XXXX, we agreed on refund, now they want to destroy me because i files complaints against them. This is something i have ever seen i n 30 yrs of business experience. I need help. They are 2 XXXX tracking receipts, ask to explain how i get the internet and how within 3 weeks someone can get a collection letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: IN

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello- I was a Simple Banking customer who was to be transitioned to BBVA USA last Saturday, XX/XX/2021. 

I followed the directions correctly and was able to create and -- briefly -- access my checking online and via their mobile banking app. Then, I received a cryptic email ( attached ) two days ago stating that their customer service has disabled online access to my account without offering any further information -- - except to download their app ( which I can no longer log into ).

I have not been able to get a live human on the phone for assistance nor have they responded to their suggested methods of direct-messaging them via XXXX. 

It has been nine days since I have had access to my funds. Additionally, I have funds already being routed to this account that I now will not be able to access. 

Please help as BBVA USA is not providing any HELPFUL answers directly, via social media or common sense communication to their customers. They have in essence stolen my money if they will not allow me to access it. 

Thank you in advance for any assistance you can provide. It is criminal for such a large institution to do this while people are trying to recover financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC

Complaint narrative:
On XX/XX/2021 I was using Gemini to transact some Crypto currency and transferred money to my account. Unfortunately on two transactions I forgot to include a reference number so I emailed Gemini. They responded with a request for verification of my identity which I submitted immediately and their response was the money had not been received.. However this is not my actual complaint - they then suspended my account and it remains suspended until today meaning I can neither see if my bank transactions were credited to my account nor can I remove my other funds or trade. There has been no reason given and despite repeated emails to their support team more than a month has passed and I can not access my account. I have followed the verification correctly on XX/XX/XXXX and have repeatedly emailed them to no avail. I believe they are a fraudulent company illegally holding my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: CITIBANK, N.A.
State: CT

Complaint narrative:
I ordered a XXXX present ( Laptop ) for my daughter that was supposed to be delivered on XX/XX/2020. I only opened the Best Buy Credit Card to receive the extra discount on the laptop. I never received it. This item was supposed to be signed for on delivery. When I checked with XXXX  I was told it was left at the front desk, I live in a house. I contacted Best Buy they stated their was nothing they can do, so now Im being charged to pay for something that someone else is enjoying.

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 2021-05-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal froze my account over 6. months ago and told me they were holding my funds for 180 days in case of charge backs well it's been well over 180 days and they still refuse to release my funds from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have submitted letters to Transunion in regards to unauthorized inquiries on my credit report. I sent the multiple letters and have waited over 50 days and have heard nothing back. Legally these unverified accounts need to be removed.

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 2021-05-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
In XXXX, I was incorrectly charged for liquidation damages and carpet replacement fees by XXXX XXXX ( XXXX, FL ). This account was then sent to collections, ( Fair Collections & Outsourcing Collections or FCO Collections ) for this amount and has had an adverse impact on my credit file for years. 

The charges outlined on the final account/move out statement provided by XXXX XXXX were incorrect to begin with, which subsequently made the amount of the debt in question invalid : This property was originally occupied on XX/XX/XXXX and lease renewed annually thereafter until XX/XX/XXXX. Per the lease agreement, 40 % of the carpet replacement expenses should have been charged, yet 100 % ( {$1100.00} USD ) was charged instead. ( see attached ) Per the lease agreement, a 60 day notice to vacate was needed prior to the ending of the lease in place. This was provided, but was disregarded or overlooked and the lease was renewed anyway, causing liquidated damages cost ( {$1200.00} USD ). ( see attached along with email correspondence ) In short, this account should have never been sent to collections as the amount due was inflated with incorrect costs. 

I have tried to dispute this derogatory item with creditor, collections agency and credit bureaus but to no avail.

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 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Hello, I received a PPP deposit into my Chase Personal Checking account on Friday, XX/XX/XXXX. The following day I called the automated system because I was surprisingly locked out of my online banking and it stated that the deposit was returned. However, Ive called numerous times and agents are either giving me the run around and keep transferring me OR they tell me its still pending but refuse to confirm the information that the automated system provided. I then receive an email stating that my account will be closing and theres nothing that can be done. 

They denied me for a business checking therefore I continue to use my personal checking for business purposes. I am a legitimate business who is entitled to the PPPA SBA loan that I applied and was approved for. 

I need confirmation on if Chase Bank really sent the money back to the lending bank so I can deal with the lending bank directly. Im recently found out that this is happening to numerous people and Chase Bank is advising some that they will be keeping the funds for 2 years and then sending them directly back to SBA and not the lending bank. I need to know if the legal and true and why are only some customers being informed this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: MI

Complaint narrative:
Hello, I recently seen some unverified accounts on my credit. I reached out to the company also reach out to the three credit bureaus, I havent recieved a proof of my debt and it took almost two months for a response! They said something was verified but couldnt tell me who verified it or didnt give me proof

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 2021-05-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
Mother passed away on XX/XX/XXXX. She had a reverse mortgage of XXXX on a house that is worth less now. Original documents show the appraisal at XXXX back in XXXX. Wells Fargo gave her a loan that used all the equity of the house. That loan went from Wells Fargo to XXXX to, supposedly, FHA or HUD. Now, the heirs must pay the loan back. Biggest questions : why was appraisal so high, was she counseled, was the appraiser an FHA appraiser.

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 2021-05-17 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: TX

Complaint narrative:
fcra violations not mine : see attachments for proof XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX XXXXXXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report Number : XXXX Date Generated : XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I sent Santander Consumer USA multiple debt validation request after i received correspondences from them about my vehicle that was already paid for from XXXX. Per the contract that i have it states XXXX and no indication of Santander Consumer USA. they sent me a copy of the same contract after i sent them a debt validation along with a cease and desist and an affidavit of Truth. I have yet to hear anything back from them. Also if they are stating that the contract gives them any security interest. full disclosure was not provided to me, which means that contract is fraud and there for null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc.
State: VA

Complaint narrative:
I received 3 email from Money Lion on Saturday evening that a checking account had been opened and a debit card had been ordered. I did not open an account with this bank. I tried to contact the bank but was unable to and could not close the account via the app or website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: NY

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC.
State: GA

Complaint narrative:
I wanted to set up a business account with Axos and started the process in late XX/XX/2021. After so much back-and-forth issues, I let Axos know that I was withdrawing my interest and would set up an account with a local bank. TWO DAYS AFTER I sent the email stating I was no longer interested, they withdrew {$1000.00}. from my personal checking account to open this new business account. Needless to say, I was furious and emailed immediately, then followed up with a phone call on XX/XX/2021. I was told the account would be closed and they would return my {$1000.00}. via wire transfer ( the same way they TOOK my money without my permission ). I was informed this would take 3-5 business days. It has been two weeks and my money has not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: MS

Complaint narrative:
I called Sallie Mae after they continued to call and email close to 20 times a day and leaving voicemails threatening that I better call them. I have called several times with them and discussed my financial hardships and that I can not afford to pay over XXXX dollars a month for a student loan. The last lady that I spoke with was so rude and belittling to me and I was absolutely offended. she told me that I shouldnt have went to college and got the loan if I knew I couldnt pay it back and its not their fault I dont have the money and that if I didnt pay over XXXX dollars right then that they would mess up my credit. She did not try to help she was just rude. Who would say something like that to someone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Dear Sir Ma'am Enclosed you will find the requested legible copy of my check that was paid to Synchrony Bank Conn 's account for my CONNS Furniture account which was Paid in Full. The check that you received to pay this account off had my wife name on it in the payoff amount of {$1500.00} which was sent from her XXXX XXXX XXXX XXXX account to pay off my CONNs Synchrony Home Account. All of my funds that was paid to my Synchrony Conns account was paid to a Credit Card account issued by Synchrony that never existed or was never opened and used. The card that was sent to me was never taken out of the envelope nor was it never activated. When all other monthly payments were submitted on Synchrony Bank Website to pay on my monthly Synchrony Bank Conn 's account, the funds were going to an account that never was opened or associated. All of the payments were for a CONN 's associated account that never received one made payment from Synchrony Bank. After looking at information on my Credit Report showed that there were monthly payments reported for a 12 months timeline by Synchrony Bank. Each one of the payments were at least the {$80.00} to {$100.00} paid monthly in addition to the separate payment of {$1500.00} check sent from my wife XXXX XXXX XXXX XXXX Checking account. Request that all funds be returned to me. I have also tried to reach out to one of the CEO 's with Synchrony Bank to get this matter resolve. 
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 2021-05-17 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: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 54 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I requested a refund for a purchase made with Paypal. Paypal stated that they refunded the amount to my credit card. That amount has never appeared. I have called Paypal and my bank. My bank has no record of the money and Paypal has stated that they returned the money. I have been hung up on by Paypal in an attempt to contact them. Paypal states that it refunded on XX/XX/2021 for an amount of XXXX. I have no amount credited to my account.

Company response to consumer: Closed with monetary relief