vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
Hi my name is XXXX XXXX and Im contacting you guys on behalf of my self and my problems with my accounts at citizens bank. 6 months ago my mother and I had got into a fight and because of the fight she transferred my XXXX dollars into her XXXX account, my mom then decided now that since it was time and since I was going to be moving out she transferred the money back to the account I have jointed with her and from there I transferred it into my new account that I just made recently in my new account I had XXXX something dollars in that account before I added what was left from my XXXX  dollars that I originally had that my mother had taken 6 months ago into my new account and the amount I had was XXXX. So I transferred the XXXX into my new account and now my funds are on hold because I called the bank many times and the representatives I had spoken too couldnt tell me much about my account and why I couldnt see the money but that my funds in total were there, since I had XXXX something in my new account when I added the XXXX that left me with XXXX I took XXXX out a couple days ago and I shouldve remained with XXXX but my XXXX  came in today and I transferred the funds into my new account because I didnt want my mother to steal my money and now my taxes are also on hold with the rest of my money. I was told by the representatives that my funds were under further review until the XXXX of this month and that I should receive a letter in the mail telling me how to continue and Im filling this complaint because my funds shouldnt be on hold because I did nothing wrong I have my bank statements and my pay stubs to prove that the money I had in my account were mine 6 months ago before my mother decided to take it from me and use it. I finally get the remainder of what I had back and now Im having troubles with my bank and the fact that they cant tell me why so Im just hoping and praying that you guys can give me answers were my bank couldnt and please help me so that I can use my money I have bills to pay and I cant wait till the XXXX of this month just to hope that my money will no longer be under review which I still dont know why its under review I really hope you guys can help me Ive never had any problems like this going on two years that Ive had citizens bank and now this is happening to me which i feel is wrong especially if I cant get a reason why from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I was looking over my credit report and saw some inaccurate information Of a debt that was already paid and has XXXX balance on them. As a consumer i ask that you remove this information from my credit report because it is ruining my reputation pursuant to 15 usc 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, REPUTATION, or property of any person. 
I attached a copy of my report showing the balance and inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment on XX/XX/2021 for 30 days late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXXXXXX XXXX, Capital One, and XXXX XXXX. The Account Opened is XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00}. The Account Opened is Capital One Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This is not my debt and the documentation provided does not at all validate the amount they are attempting to collect from me. I received a letter from Portfolio Recovery Associates claiming that I owe a debt associated with this account they claim is mine. In response, I promptly mailed PRA a letter requesting XXXX debt validation. I never received response from PRA in response to my XXXX request, or did they respond to requests regarding other debts they claim I owe. In researching this company, it seems to be a common complaint that debt validation requests are not responded to. Despite not responding to my timely debt validation request, they continued to make collection efforts, including reporting this non-validated debt to all three credit bureaus, which they are not allowed to do without proper validation/response to my timely XXXX request. I recently disputed this with XXXX. In response, PRA responded to them with their claim that this debt is valid. They then mailed me a statement they claim is from this account from XX/XX/2016, which has a dramatically different amount than what they are claiming that I owe, the amount on the statement is {$110.00} yet PRA is reporting {$470.00} and there is no explanation let alone proof as to the accuracy of that amount or their collection authority over this account, or a cardholder agreement, etc. i do not have this account on my credit report, so I believe the original creditor does not feel I owe this delinquent debt. It is my further understanding that both CFPB and the DFPI have investigated and filed lawsuits due to this company attempting to collect invalid, inaccurate debts, and sometimes fraudulent debts. To be clear, I am not acknowledging that this debt is mine, I am simply asking for assistance in getting this invalid inaccurate account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. My 1st dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and again on XX/XX/XXXX. Today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-03-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
About XXXX of XXXX, I signed up for a Bank of American credit card. I transferred a balance to the card and waited for a statement to arrive. The first statement never arrived, and I figured this out after the due date. When I did, I called them up and they said that I had missed my payment. I signed up for their website so I could pay online and paid that day. However, they reported a late payment to my credit report. I called and told them that they can not report a late payment since they never sent a statement. They couldn't confirm whether a statement was sent or not, but they said I could try refuting the report with the reporting agencies, that they had no other recourse for me. I did that several times with each agency and each time they stated that they found no error in the information. I'm considering a defamation suit, this is the only negative mark on my report and I have never been late on a payment in my life! This is not a late payment because they never sent a statement and it was the first month so I had no idea where to send my payment to or when it was due. Bank of America should be shut down, they are clearly committing fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2020, my car was stolen. I reported it stolen to the police & have been trying to obtain the police report since. I have let XXXX and my gap insurance know this. XXXX has payed {$10000.00}, their portion toward the car. The gap insurance says that they need the police report to pay for the other {$4000.00} ; however, before I could get the police report the car was placed negatively on my credit. I have been trying to obtain a police report, but due to Covid, XXXX City Hall is closed. The gap insurance refuses to take the information to obtain the police report themselves.

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 2021-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/26 XXXX Car rental over charged {$200.00} claiming I returned the vehicle late. I did not. I disputed the charge with Goldman Sachs ( Mastercard ) and on XXXX they charged me back the {$200.00} and claimed that they sided with XXXX. I called and asked for an appeal, they said they will appeal it and get back to me within 90 days. Today 90 days later I have not heard anything from them. I called them and asked for an update and there was no record of my appeal. They said I can not appeal the decision unless I have new proof. I told them XXXX will not call me back, and I can't get any proof ( The return was late due to the return area gate was down ) XXXX will not acknowledge this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SAMC Honebee TRS, LLC
State: LA

Complaint narrative:
My wife and I ( account holders ) set up an escrow account and automatic payments with GMFS in XXXX of XXXX at the closing of the refinancing of our mortgage. That escrow account was pre-funded during mortgage closing. In XX/XX/XXXX, we received a letter from the Sheriffs office stating that our property taxes were not paid by our escrow company. After numerous phone calls by my wife, the taxes were finally paid - and those taxes are now considered late. 

Today, XX/XX/XXXX, we notice that our mortgage is no longer being withdrawn from our bank account per the agreement for auto payment. We have now been falsely told that the payments were canceled by myself ( husband ) - first told that i called to cancel them, then told that it was via online web portal when confronted. I have never registered for online access to GMFS, nor have I ever called to access the account or made changes online. This statement is verified by the fact that GMFS does not have any record of either of my email addresses or my mobile number - as confirmed by GMFS 's online registration system. 

When confronted with the information that someone has fraudulently accessed my account, GMFS showed no interest in any remedy for fraud, and instead told us we had to pay double payments to our mortgage to set up a draft again. It is unacceptable that GMFS refuses to : Acknowledge that an error occurred on their part. 
Acknowledge that the error may create secondary consequences which require remedy. 
Acknowledge that an internal security issue exists and required immediate attention. 
Allow for reinstitution of a bi-weekly draft for account payment without requirement of a double payment due to a GMFS error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Resurgent/LVNV Funding, XXXX, and XXXX. The Account Opened is Resurgent/LVNV Funding Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
No acknowledgement of ever inquiring for this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2021-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Valor Intelligent Processing, LLC
State: GA

Complaint narrative:
XX/XX/2021 Got a call from this business ... I have never heard of them! XXXX XXXX XXXX  The customer reps keep calling me ( several times in a few hours ) and I have no idea what they are calling about. They want me to give them my information to verify myself. I verified my name, but I will not verify my address. They won't tell me what they are calling about until I verify my address! They threatened me with the line that " this is being recorded ''. They are very rude and I will not be bullied into giving them my personal information because they are recording the call. They said they already have my information ... then why do they need me to verify it. They said they need to make sure that this is the correct person with my name ... what are the odds that a person with my name would have my same phone number, yet not be me? Crazy..I want the harassament to stop!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: Penn Credit Corporation
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I HAVE RECIEVED A LETTER FROM SYNCHRONY BANK THAT MY LOWES CREDIT CARD HAS BEEN TURNED OVER TO ANOTHER 3RD PARTY COLLECTION ON XXXX WITHOUT MY PRYOR KNOWLEDGEMENT THAT THEY WERE GOING TO BE TURNED OVER. THIS IS A VIOLATION OF MY RIGHTS BEING TURNED OVER TO ANOTHER 3RD PARTY COLLECTION.

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 2021-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I attempted to convert XXXX Pax Gold from Block Fi into Omisego or OMG in Coinbase. I incorrectly attempted a conversion of an unsupported coin in Coinbase. There were no warnings in real time I would not be able to do this transaction. They do have provisions in their user agreement regarding this. I strongly believe they should have some kind of warning system, review system or rejection system before these types of transactions are done. 

I reached out to them and was advised they have a record of the transaction but could neither convert it nor return it and that my money ( {$25000.00} ) was simply lost. They advised a vague confirmation of a recovery, for certain coins, " sometime in the spring '', and would neither confirm or deny my coin would be on the list. 

I asked them for a decrypted private key for the transaction so I could find another wallet that would convert Pax Gold and they would not provide it. I offered them a fee to either convert or return the transaction and they advised they would or could not. 

They make it very easy for someone to attempt incorrect conversions and have no checks or balances when someone does. Their customer service is extremely poor, with no live support whatsoever. 

I do not believe a mistake that can take less than a minute be worth losing {$25000.00}. Their platform makes it incredibly easy for these types of transactions to happen. Their response is they have no interaction with the blockchain. They have the responsibility of handling transactions, but take no responsibility for user error at the same time.

Company response to consumer: Closed with explanation