vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX was closed and transferred to collections on XX/XX/XXXX. On XX/XX/XXXX I completed loan rehabilitation and the record of default was ordered deleted and my loans were returned to Great Lakes XXXX services. Ive been making payments monthly since that time. My current XXXX XXXX being serviced by Great Lakes XXXX services is XXXX. In a previous complaint to CFPB, Great Lakes XXXX services stated that once a loan is closed and transferred they can no longer make any reporting changes or modifications to payment history on that loan and therefore could not offer remedy for loan XXXX. On XX/XX/XXXX Great Lakes XXXX services reported a late payment of 120 days past due for the month of XX/XX/XXXX on XXXX XXXX XXXX. This is not only a contradiction to earlier claims that they can not change payment history once a loan is transferred but a blatant violation of my rights under FCRA. The rules do not allow reporting of additional late payments on accounts that are settled. Ive attached a copy of my XXXX  credit report dated XX/XX/XXXX that shows the late payment reported bu Great Lakes XXXX services and has caused a significant decrease in my credit score. I want this fix immediately or I will be forced to pursue other avenues for relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX  XXXX XXXX, SC XXXX has been sending me collection notice in the amount of {$980.00} the collection has been reported as pass due. I do not know this company. I never have did any business with this company, this company this not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: IN

Complaint narrative:
- I used XXXX  ( formally TransferWise ) to send money internationally. 

- I sent {$4000.00} from my account in the US to my friend 's account in XXXX. The source account in the US has me and my friend as signatories. 

details : XX/XX/2021 TransferWise Inc / TrnWise ACH Trans - {$4000.00} - the money never arrived. it has been more than 2 weeks now. 

- XXXX claim the money was transferred successfully. I sent them a copy of my friends account printout in XXXX showing no such success. 

- XXXX claim the money is stuck in the receiving bank ( XXXX XXXX XXXX  XXXX ). they are probably right, who knows. But as far as I am concerned the transfer I hired them to do, was never completed and it is THEIR job to make sure it is complete. 

- As a response to me nagging them for days about this vanished {$4000.00}, Wise, very wisely, CLOSED MY ACCOUNT with no further explanation. 

- I demand that they wil do whatever it takes to COMPLETE the transaction or refund my {$4000.00} - I demand an explanation ( they refused to provide one ) why they closed my account. They mumbled something about " regulation I broke ''. Not sure what would be that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAVALRY INVESTMENTS, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Cavalry Portfolio Services Acct : XXXX Original Acct : XXXX I told you to stop contacting me and you continue to contact me which is a violation. I asked you to validated the debt 60 days ago and tou never did. You need to deleted this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: OH

Complaint narrative:
I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX  provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2021-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Systems provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2021-09-02 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: OH

Complaint narrative:
I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Systems provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I have a card of different types of cryptocurrencies with the company COINBASE, and since last XX/XX/2021 and if there is any explanation, said company has my account blocked due to which I can not buy or sell anything, it is like money seized by them. They do not have any customer service available for XXXX. I beg solution to the problem

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted a " tattoo artist '' to complete some work for me, the artist said that he would gladly help me, but that I needed to send 50 percent of the cost of the tattoo to him as a " deposit ''. Total cost of the tattoo was going to be {$600.00}. He suggested that I send increments of money because of " past scam issues '' he has had in the past. From there I sent {$50.00} via XXXX XXXX. and he suggested that I send the rest via AXXXX XXXX ( XXXX XXXX ), I sent {$250.00} on XXXX XXXX, The artist then texted me the day before the appointment ( which was scheduled for XX/XX/XXXX at XXXX ) and asked me to send the rest of the payment because he " needed it to pay his rent '' not thinking twice I went ahead and sent {$270.00} XXXX XXXX. On the day of the appointment I drove my car to the provided address ( pictures will show attached ). Called the Artist phone and texted to let him know I had arrived, I received no response, I had been blocked via cell phone and via social media, that Is when I knew I was being scammed. I then attempted to contact CHASE BANK claims department, to have this issue resolved and realized they are closed on Sundays, I was told to try again the next day for help. I contacted chase That Monday, provided them all of this information and I even let them know, that I had pictures for evidence if needed! ( which they declined to take ) Chase then submitted my claim on XX/XX/XXXX, reversed the translations! and told me if they needed if anything else they would contact me ( WHICH THEY DID NOT ). I was then emailed on XX/XX/2021 that my claims decision had been made, and that CHASE is now deciding that my claim was going to be denied and that I would have to pay back the money credited to me by XX/XX/XXXX! Can someone please help me on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Inaccurate and unauthorized accounts on my credit report.

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 2021-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was robbed of my purse and the person took my purse with all my ID and personal information. Now I have unauthorized fraud inquires on my credit report. Some were deleted but Transunion did not delete them all

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: LA

Complaint narrative:
NCB Mangement Services Inc. at XXXX XXXX XXXX XXXX-XXXX, PA XXXX has been sending me collection notices in the amount of XXXX. The collection has been reported past due. I do not know this company. I have not done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IA

Complaint narrative:
Toyota Financial Services Toyota Motor Credit XXXX XXXX XXXX XXXX, IA XXXX Account XXXX XX/XX/2012 Stole my down payment, didnt apply it to my purchase. I signed my car lease a week before. The company called me back up to say there was a problem with financing and I had to come back to resign papers. I contacted the company several times and it and they havent responded with the down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX I called chime bank because my debit card wouldn't work.They informed me my account was closed due to deposits that don't meet the requirements.Intold him it's the same deposit for over a year..I had {$360.00} in my account.and was told it's being held in case of some fees.which there was not any.Its been 3 months and I still have not received my money.They can just mail it to the address on file.I have tried calling them back but got no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BILL.COM, LLC
State: CA

Complaint narrative:
Recieved COVID-19 renters assistance from a property i rented out and the State of CA sent the money through the service XXXX, they quickly shut my bank account down after providing the required information and emptied my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Inaccurate and unauthorized accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I purchased a vehicle from XXXX  ( XXXX XXXX XXXX ) on XX/XX/XXXX. XXXX  had confirmed they would process official paperwork with the DMV to register the car in my name. As of XXXX XXXX  is unable to provide any evidence that they have made progress registering the vehicle in my name and I am unable to legally drive the car. 

I used XXXX  to secure financing for this vehicle through TD Auto Finance and have made a down payment and 2 monthly payments. My third will be on XX/XX/XXXX. I am unable to legally drive the car and XXXX  will not process a return.

I am also contacting TD Auto Finance to see how they can help and recommend they stop financing with this dealer. 

Any help would be appreciated. XXXX  is unable to deliver on their product and I am stuck without line of sight to recourse and an outstanding {$20000.00} financed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02 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: NY

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the Metro 2 Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I did a {$2500.00} transaction with my PayPal credit card in XX/XX/2021. I selected to send money to a merchant using my XXXX credit which has a 6 months no interest program added to it. PayPal credit charged me a fee of {$72.00} to send the funds to the merchant. PayPal credit also decided to change the code of the transaction to a cash advance ( which according to their employees I spoke today does not exist under PayPal credit ). They never disclosed any of this information to me until I contacted them today XX/XX/2021 when I noticed they removed the deferred interest and falsely coded my transaction so they could collect hundreds of dollars in interest without me being notified. The young lady I spoke to said she submitted a request for the code to be changed to the 6 months deferred interest but that could take 2 to 3 billing cycles which means PayPal would be collecting interest monthly until they decide to change the code to what it should have been originally. PayPal credit is not transparent and they are collecting interest fees from consumers by using duplicitous practices. Please I would like PayPal to stop cheating the consumers and I need them to apply the correct code to this transaction immediately and not charged me any additional interest until after the 6 months period which is what I agreed to with them. It is unfair to change the rules after the consumer has already been charged and it is deceptive to not notify the consumer of changes done to terms of a promotion they were promised.

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 2021-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

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 2021-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I received a supplemental tax bill from the XXXX of XXXX, MA. Right after I received the bill, I contacted my then servicer XXXX XXXX to ask if they would pay the bill or if I needed to. They got back to me saying that they will ( I have the the emails ). Subsequently, XXXX XXXX sold the loan to Chase. I recently noticed that the supplemental bill hadn't been paid, and I had now accrued a {$55.00} penalty and interest for late payment. I reached out to Chase, explained the situation and said that they should pay out of my escrow since I was promised that by XXXX XXXX. Had XXXX XXXX told me they would not pay, I would have paid on time. I also told Chase that Chase should pay the late fees since it was not my fault and the fault lay with them. Chase did not review all communication and promises made between XXXX XXXX and me. So this is negligence on the part of Chase. Had Chase told me when they bought the loan that they will either not pay or will take the interest out from my escrow I would have solved it with the city or the city of XXXX, MA. But now the money is out of my account. This is malpractice and negligence on the part of Chase. I also called asked to talk to a supervisor and was told I will be called back. But no one called me back. I want chase to refund to my escrow account the money they paid for the late fees.

Company response to consumer: Closed with monetary relief