vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Netspend Corporation
State: TN

Complaint narrative:
I opened the account with XXXX ( owned by XXXX XXXX/netspend ) since last XXXX, from the start, the bank service was horrible. Unreachable customer service, extremely long hold on the phone, and non responsive email communications. On top of that, the access to my account was inconsistent. Frequently with no reason at all they lock my account and force me to call them, but every time i called, after long hold they transferred me back and forth and give me a run around. On XX/XX/XXXX they locked my account again and when i called they asked me to send them my social security card and my picture ID, which i did. Then on XX/XX/XXXX asked me to send proof of my address, which i furnished with my 2020 year end 1099 tax form on the same day. Following week i heard nothing from them despite their 24 hour turn-around promise and my repeated email inquiries. Finally on XX/XX/XXXX they responded to my phone call and told me they finished reviewing of my documents and my account was unlocked. 
However, on XX/XX/XXXX, my account was locked again, and when i called them they told me the proof of address ( my tax form ) that i sent them on XX/XX/XXXX was not accepted. They claimed the picture needs to show all 4 corners. So on XX/XX/XXXX i resent them my social security card, my picture ID, my 2020 1099 tax form from them ( XXXX ) and my XX/XX/XXXX mail from XXXX which all showing my name and mailing address. I received their email acknowledging the receiving of the documents and again promise of 24 hour turn around. Today is XX/XX/XXXX an i still haven't heard from them and my account is still locked. I haven't been able to access to my money for more than a week now. This is unacceptable.

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 2021-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX ) Has been sending me collection notices in the amount of ( {$1300.00} ). The collection has been reported as pasted due balance. I do not know this company, I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio Servicing adds an additional payment every XXXX to my account illegally. Now my past due is 3 payments which shows approximately {$2100.00} balance. I have made every payment and not missed a month. Yes, they do have me on the Covid relief program but I still make my payments. This additional add on is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
XXXX XXXX I received alert on my report I called company and ask what was this for and the customer service rep was very rude and told me that it was a debt that I owe and need to pay and I ask her what was the debt and she told me that I should know what I sign for. So my mom told me what she thought is was and I explained to the lady that I spoke with someone in the office during this pandemic and let them know I lost my job shut down COVID 19 and also due to stay at home order by state government. And they told me they would get back to me and no one never got back with me to let me know the next step that I can take to try and continue payments. Im in all kind of programs to help me with my children also still struggling I Was diagnose in XXXX with XXXX and XXXX XXXX  which I struggle XXXX not to include my XXXX due to XXXX  can someone please help me with this situation. Lost to grandparents due to COVID so seeing this is very stressful

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CFPB, XXXX XX/XX/2021, I mailed a dispute package to Experian by certified mailed for information that is inaccurate or items that are mine which are currently reflecting on my credit report. That package was delivered to Experian on XX/XX/2021. 
Additionally, I mailed a letter by first class mail to ALL THE COMPANIES that were reporting negative information on my credit report on XX/XX/2021 asking them to provide proof of the subject account ( s ). 
Experian and all companies I have contacted HAVE FAILED TO DO ANYTHING regarding my concerns, including contacting me, to help me remove inaccurate information or items that are not mine. 
I will be reaching out to Mr. XXXX XXXX ( CEO of Experian ) via email within 45 days of this complaint and all the companys board of directors for their assistance in this matter. 
CFPB, please do allow Experian and others to simply ignore peoples request for help. I will also seek the assistance of members of Congress with this matter in the next few months if this issue remains unsolved. 
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 2021-03-12 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: Conn's, Inc.
State: TX

Complaint narrative:
I have been a victim of identity theft. Have been dealing with this on going for 14 yrs now. This being one of the accounts opened in my name. Never stepped foot in this establishment nor have i acquired services or goods from there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: IL

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 2021-03-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Simply put, Equifax has denied access to myself and my girlfriend over 20 times in about a year. XXXX and XXXX no problem. It is obvious they don't want us to access our credit report unless we pay their fees. My girlfriend was a Equifax member and we didn't encounter difficulty. After stopping the membership it has been impossible. She recently became a member again while on the phone just so that she can get help. It was obvious the lady helped her just to get her to be a member. They need to stop putting up barriers and be abusive of their power. A power that can easily be taken away. They are a private company yet think they are XXXX. They make many people I know feel powerless and impotent. They also cause many people to pay more because people need to purchase items yet have to pay more because they are through with the impossibility of accessing and correcting their report. I appreciate somebody putting a boot up their XXXX. Thanks. From a 20 year veteran and two war vet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 2021-03-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Risecredit, LLC
State: WI

Complaint narrative:
I made a payment to XXXX for my Rise account on XX/XX/XXXX for XXXX. On XX/XX/21 I emailed Rise a copy of my bank statement that shows the payment and my account still has a XXXX balance. I have called them 4 times since then and they always tell me they are going to contact that department and it should be updated in 3 days. On XX/XX/21 I paid off the balance on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: GVA Holdings, LLC
State: OK

Complaint narrative:
Was approved for a {$300.00} loan And since XXXX 2020 I have been charged {$80.00} every two weeks I have since then paid {$1000.00} to this company I have documentation showing how one week it will say a certain amount and will go up {$20.00} {$40.00} and they say that I still Im not close to paying off the loan I refuse to keep paying this company it is unfair to be charge like this after I feel like I have paid the principal for this loan well over the amount

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CFPB, XXXX XX/XX/2021, I mailed a dispute package to TransUnion by certified mailed for information that is inaccurate or items that are mine which are currently reflecting on my credit report. That package was delivered to Transunion on XX/XX/2021. 
Additionally, I mailed a letter by first class mail to ALL THE COMPANIES that were reporting negative information on my credit report on XX/XX/2021 asking them to provide proof of the subject account ( s ).

TransUnion and all companies I have contacted HAVE FAILED TO DO ANYTHING regarding my concerns, including contacting me, to help me remove inaccurate information or items that are not mine. 
I will be reaching out to Mr. XXXX XXXX ( CEO of TransUnion ) via email within 45 days of this complaint and all the companys board of directors for their assistance in this matter. 
CFPB, please do allow TransUnion and others to simply ignore peoples request for help. I will also seek the assistance of members of Congress with this matter in the next few months if this issue remains unsolved. 
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 2021-03-12 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: CA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. And I honestly got infected by Covid-19 and I lost my job for this reason and I do not have any source of income, I am behind my rent and some bills and the only source of money is to use my money in my PayPal account. 
My email linked to my PayPal is XXXX. 
Thank you very much and your consideration is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I'm enrolled in CIti Bank Auto Pay! 
Citi Bank Computers R Falsely list me as allegedly missing a payment! 
Citi Bank computers have been illegally harassingme about that! 
That is really ridiculous! 
Because Citi is supposed to automaticallyget the $ $ $ from my bank account!

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 2021-03-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2021 used XXXX ca card at bank. XX/XX/2021 card info was stolen and used at another bank without my knowledge. Call bank to notify card canceled and issued new card bank of Americas call XXXX and card was closed for fraud and claim was closed on XX/XX/2021 verified on XX/XX/2021 with XXXX say sent over release of fund form on XX/XX/2021 boa say no time frame to unlock I just have to wait same script every time I call submitted freeze tracker to XXXX and both playing blame game thuu it s is draining and frustrating getting run around and no results or answers did everything I was supposed to do told by both parties

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 2021-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
i had XXXX in XXXX and was in the hospital for a little over a month and i came out in XXXX XXXX and went back on XX/XX/XXXX for complications and didnt get out till XX/XX/21 i couldnt make my payments to any credit card company and there the only one who reported me late and i called them and told them they said they enrolled me in some program and would wave everyting for 90 days and not they didnt any they destroyed my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
On XX/XX/21, I received a phone call that spoofing the phone number of the US Immigration and Customs Enforcement ( ICE ), they blamed me that I haven't updated my alien registration number and accused me of trying to hide my identity. They forced me to choose between being arrested for a few days for paying them a deposit called " Immigration Bond ''. They also spoofed the phone number of the XXXX XXXX Police Department to make me believe that I'm under the investigation of the FBI. Then, as a result, I have to choose to pay them the deposit, they said I have 30 minutes and have to do what they said otherwise I'll be against the law. They monitored my phone to force me to transfer an amount of {$1600.00} to them, the recipient is XXXX XXXX, and his email is XXXX. The account is verified by Zelle, therefore, I want to report Zelle in verifying scammers ' accounts. 

Zelle is backed up by many banks, so each of their customers should be legally authorized to have a bank account. However, Zelle shows no responsibility for aiding and abetting frauds and scams. By claiming no responsibility and offering zero assistance, Zelle and the banks using it are facilitating wire fraud and money laundering. Zelle accounts are all linked to US Bank Accounts, which means that Zelle knows the recipient 's real name and social security, and they can easily freeze or reverse the transaction, or even tell the sender who the money was sent to so they can file a small claims case. Instead, Zelle let XXXX XXXX, the owner of the above Zelle account must have used the same account to scam multiple people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have someone getting into all my accounts and have fraudulent charges. They are changing settings on my phone, have ruined my credit, been in school account, TV/internet account, cell phone account and cell phone. Messing with my emails. I am having a horrible time. They are controlling my every day Life. They are messing with XXXX and XXXX account. THIS IS NOT LEGAL. Oh even my medical records. Thanks. I did not contact 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 2021-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I received a total of 5 fraudulent checks from 2 scammers, and contacted my bank regarding this matter. I spent a balance after depositing the first two checks, and already had a balance in my account, so I understand I need to pay the overdraft of my bank account. However, my bank placed a - {$880000.00} hold on my account because of these fraudulent checks and I am just trying to make sure that I will not be charged or arrested for depositing these fraudulent checks, and that my information will not be placed on XXXX which would prevent me from making a bank account in the future. While 3 of the 5 checks were in the process of being cashed, I submitted a cancellation of depositing those checks but they were not accepted, as the balance still showed up in my account.

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 2021-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MI

Complaint narrative:
On XX/XX/XXXX a debt verification letter was mailed to Jefferson Capital Systems via Certified Mail. 

On Monday, XX/XX/XXXX, I received a letter from Jefferson Capital dated XX/XX/XXXX. There was no postmark on the letter. 

The letter states only that they have puchased the debt in question, and that verification is enclosed. The only enclosure was a photocopy of a bill from the original creditor dated XX/XX/XXXX. 

The information received from Jefferson Capital is not enough to verify the alleged debt. They failed to provide further information that was requested in my debt verification letter, such as the date the debt was purchased. 

In addition, the account is reported as opened XX/XX/XXXX, over two years past the date on the photocopy of the bill provided. I believe the debt age is being incorrectly reported to the bureaus, which is in violation of the FCRA. 

Until recently, I was unaware of said alleged debt, and Jefferson Capital Systems has failed to provide adequate documentation to justify further collections efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Back in XX/XX/XXXX I settled an account with Wells Fargo. It was a closed account on XX/XX/XXXX. It was a student credit card that I settled the debt amount and it still shows as a closed account on my credit report and has been negatively impacting my credit report. I am about to graduate college and it has been preventing me from building my credit score back up. I already called their offices but they refuse to release it off my credit report. Please help get this off my report, 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 2021-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
I am resubmitting my complaint for overcharge of escrow through modification. 
1 ) XXXX XXXX XXXX form list XXXX for taxes. Taxes paid were XXXX and penalty was XXXX which totaled XXXX. 
2 ) 0n bottom of form they show XXXX For escrow advance. 
3 ) XXXX XXXX form shows escrow being XXXX negative XXXX tax receipt clearly shows a total of XXXX as total money received. 
4 ) letter dated XX/XX/XXXX clearly shows the XXXX of escrow being paid 2 Which was not the case. 
5 ) in XXXX we were charged for escrow 3 times. 
6 ) letter of XX/XX/XXXX also show we paid XXXX for escrow through our modification of XXXX. 
7 ) also escrow breakdown statement shows we were overcharged XXXX for escrow 8 ) this overcharge of XXXX plus XXXX penalty was incorporated in our XXXX modification which has also accrued interest on for 11 years.

Company response to consumer: Closed with explanation