vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This is an updated complaint filed earlier against XXXX XXXX XXXX which has a few departments that are hard to locate, inresponssive, impossible to talk to but once you get through they say that another department is handling them. However, this claim is reported on a credit report under LVNV Funding which is also stated on XXXX XXXX Notices. This complaint is addressed to LVNV which actually reports to credit agencies. 

I had a signed settlement agreement with the XXXX XXXX XXXX for my account XXXX, settlement agreement XXXX. Where the settlement amount had been XXXX and by XXXX of XXXX {$490.00} of that balance had been paid off, the outstanding balance was {$350.00}. There was no payment withdrawn on XX/XX/XXXX, and XX/XX/XXXX. To prove I have a statement and notices from the bank reflecting a sufficient amount on the account and overdraft services were on. In XX/XX/XXXX I am receiving a letter and signing up for a new payment arrangement of {$64.00} and an outstanding amount is {$780.00}. After I have signed up for a new payment arrangement I realized that I have already had a payment arrangement for this account and I have already tried to contact XXXX XXXX to clarify through their website and sent 3 messages of which I have time-stamped screenshots. After I made a payment of {$64.00} according to the new and second arrangement that I could not cancel at this point, it brought my balance to {$280.00}. I send another message to them to clarify and called. When I called I was told by a young gentleman they have 2 different parts of the collection department and another department is under a different number, which I called and left a voicemail as no one was available. Then I proceeded to send another email, requesting to receive clarification on the account and balance. Today I have finally called and spoke to Ms. XXXX if I got it correctly and her manager XXXX where I was told at first that I was manually scheduling payments and did not schedule them, then I was told that it is all caused by my payment did not go through and that agreement was voided and now I have to start paying off the new settlement. Not only the manager was not courteous, did not let me speak at all or raise any questions, bossy, and it turned into more of a shouting exercise where I could not speak normally or question anything. She completely shut all my concerns. I truly feel that this collection process was unfair and misrepresenting, I was mistreated and paced me under pressure. Where this agency prays on the debt problems and makes them worse, robbing people and acting like vultures, instead of helping in resolving them by misrepresenting, miscommunication, and is reporting it to credit report under another agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Card Acquisitions Group
State: KY

Complaint narrative:
Debt collection firm is trying to re start a debt from more than a decade ago. The company was able to put this as a new debt on XXXX. Not only do they mail the same threatening letter to the address but they call nonstop. Today 's call threatened to attach the over aged debt to my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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 — Problem with personal statement of dispute
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Since XXXX of last year we have tried to rectify this with Regions bank. The Regions branch has had numerous problems since switching to a new loan service. I.E. duplicate account number incorrect payments posted and all sorts of issues. As an ex-employee of Regions bank, my office manager has more insight to the issues the company has than most. We have asked repeatedly for them to find a check that cleared our account for XXXX $ in XXXX that would have caught all late fees up. They refuse to answer and our find the missing funds. The account on the branch side also says current and not due till the following months when payments are made. We have already submitted one complaint to the CFPB that was half answered. Late fees can drag on an account but the account will still advance and show current. Regions has reported 2 months late that were in fact current if they would find their mistake in the missing XXXX check but also in the fact that minimum payments were made according to the branch.

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 2021-04-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: NV

Complaint narrative:
Received text message with security code on my phone Sunday morning. I do not have an account with Chime. I tried calling and emailing, spent most of Sunday trying to resolve problem. Never happened, their agents stopped responding. Tried calling, no luck got cut off every time in the middle of a call. No one called back. Was told 5 times they would respond Never heard back. Called Monday, they said I would hear back within 24 hours, never heard back. Called today and was cut off three times, Finally was told the owner of the account would have to remove the number. I sent them my bill showing ownership of the phone #. Not good enough. 
Horrible service, lies and incompetence at every level. 
I do not or have ever had an account with Chime, I want my number removed from this account. 

Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I opened up a XXXX XXXX credit card, financed by Comenity Bank in XXXX of 2020. 
The intent was to purchase furnishings for my new home. I purchased a bedroom set with the card in XXXX, and XXXXXX/XX/XXXX charged my card for the full amount, however I never received the goods. It took me 4 months to get a credit back to my account for goods that I never received. A XX/XX/XXXX telemarketer input false information about my account, stating that I received the bedroom set, and the headboard was damaged and I was waiting on a replacement- this was all fabricated lies. I never received ANY furniture from XXXX XX/XX/XXXX. After numerous phone calls and wait times and hold times to be transferred to supervisors - I finally got a supervisor who apologized to me and promised me a XXXX XX/XX/XXXX gift card on XX/XX/XXXX for all of the problems I experienced. So I tried again to order another bedroom set. This time the order was to be arriving in one month- but by end of XXXX the representative told me the order would not get to me until XXXX. Again I tried to cancel this second order- and was put on hold - ( on XX/XX/XXXX ) and Supervisor was very rude- said I can not get the credit back and when I asked about the Gift Card- She said I was not getting anything - I asked but 'what about all the problems I have had and the fact that the Customer is always right ' / and the Supervisor replied back ' Not in Your Case '!! After being verbally abused by XX/XX/XXXXteleworkers- I decided to pay off my balance and close my account- This account was paid off to zero on XX/XX/2020. 
So yesterday- XXXX XXXX I get a bill - from pottery barn for XXXX they decided to charge me several late fees - from just one months time- and they actually duplicate these fees on a closed account- when I called yesterday at XXXX the supervisor said she cant reimburse me the XXXX because the account is closed?? She told me the payment I made was one day late- so I got charged these fees. This is absolutely ludicrous and fraudulent and price-gauging!!!! I just want my account back toXX/XX/XXXX- I never ever ever want to deal with XX/XX/XXXX or Comenity bank ever again. - As a matter of fact, I received a customer service call from XX/XX/XXXX one week after I closed the account and I told her why I closed it. She said she was sorry to hear about my experiences- so this is how they take care of customers- by adding on another bill of false late fee charges -

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: OH

Complaint narrative:
Hello, I have been sending emails to Binance and US Binance regarding this issue since XXXX. They are a crypto currency trading platform. They only can be contacted by email and I have put in many support tickets, and have received either no response, or minimal response and one unkept promise to resolve the issue.

I been a long time customer of the original Binance. Late in 2020 when US customers had to close their Binance account and open a US Binance account I transferred several assets to new US account. My new US Binance account does not support one of the assets ( XXXX XXXX ) that I transferred. However, they hold the " keys '' to retrieve the assets. I have a copy of the email they sent me me stating they would retrieve the XXXX assets for a fee. At this point in my correspondence with them it is now XXXX ... XXXX months, and I agreed to the fee and gave them the info they needed to complete the task. I have heard nothing from them. I have tried every way I could research to contact them and nothing has worked, you are my last hope. We are talking about over {$6000.00} here which is a lot of money to me. 

Any help at all is greatly appreciated, it is a lot of money for me. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX called me regarding a check n go payday loan from years ago. They sent me a verification letter of debt attached below with the wrong address. I was scared because they kept calling and insisted they can lower the debt and I only have to pay {$1000.00} instead of {$3700.00}. I just cleared the loan in XXXX and tried to call back this legal mediation company through all the numbers I can find starting off with the number provided to XXXXXXXX XXXX and then the one on the letter. It advises to leave a message. I left a message two months ago and there was no response. I am trying to retrieve a confirmation notice stating the debt has been resolved. After searching the company online and reading through that this company is fraudulent and a scam, I feel the need to report them because this is not fair. I paid my debt to scammers and we need to put an end to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Both my Company and personal accounts were totally cleared out with a " order '' rhat was not signed by a Judge or ordered by a court. 

IThe " request to Levy '' was completed by a Attornet and recorded by the Court as " Received ''. Chase Bank froze our funds asnd sent to our creditor without Court orders.

I took copies to the branch and spoke with Chase bank legal and showed them the paperwork. Also called the Clerk of the court on speaker any varified no order had been approved.

Two weeks later, Chase maintains they did what was correct, when in fact they acted too quickly. Our Attorney was settleing the debt.

Now our IRS Payment was returned, payroll, ect. IRS Deposit was taken and escrow account was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Every time I try to log into my account, I'm having a lot problems getting into Bank of America prepaid debit card account on the website. Bank of America website keeps saying " Your Security Information is incorrect. If you have not created a username, select Need Username. '' even though I entered the correct username and password. I feel that Bank of America is making it difficult for customers to log in to the account so that customers can not transfer funds out of Bank of America account into other banks.

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 2021-04-14 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
A cash advance check for {$14000.00} was charged to my card and was not authorized by me. They also charged a fee of {$450.00}. We have notified Citibank and have not been credited for this error. Citibank allowed someone to change our address to a XXXX New York address and we have never lived in New York. They also allowed someone to change are email address, cell phone number and our password. We have contacted them every day since XX/XX/XXXX with no results.

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 2021-04-14 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CO

Complaint narrative:
On both XX/XX/XXXX and XXXX of 2021, I submitted three claims involving fraudulent purchases on XXXXXX/XX/XXXX with the same subscription-based price of {$170.00} that I did not make on my phone ( XXXXXX/XX/XXXX ) with XXXX. However, because XXXX failed to recognize that all three transactions were unauthorized, I had to rely on all three credit card companies that the purchases were being charged onto XXXX Discover, XX/XX/XXXX and XXXX XXXX. So far, on XX/XX/XXXX of 2021, XXXX was able to determine that the purchase involving XXXX XXXX was unauthorized. As for XX/XX/XXXX, I don't know what the outcome will be since I have not received any update from them. For Discover, they failed to recognize the transaction as fraudulent on both attempts ( the result for the first attempt was on XX/XX/XXXX after I filed a dispute with them on XX/XX/XXXX and the result for the second attempt was on XX/XX/XXXX after I read the Dispute Result Letter from Discover and have sent them additional documentations on XX/XX/XXXX ). Also on XX/XX/XXXX, I sent them one more evidence telling them that XXXX was able to recognize the transaction as fraudulent that Discover did not and suggest them to look over the previous evidence again to make sure they do not miss any foul play. However, after this, I did not received any response from Discover for five days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14 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: TX

Complaint narrative:
On XX/XX/21 I submitted a dispute to the bureaus. The companies have not looked into my dispute whatsoever and it has been over 30 days. You guys are in violation of the FCRA pursuant 15 USC 1681i. Please remove these items from my credit report immediately.

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 2021-04-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/21 I submitted a dispute to the bureaus. The companies have not looked into my dispute whatsoever and it has been over 30 days. You guys are in violation of the FCRA pursuant 15 USC 1681i. Please remove these items from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: U.S. BANCORP
State: MN

Complaint narrative:
In 2020 of XXXX I contacted US BANK and was placed on a program for covid relief so I would / my companies would not be accruing interest and with a no pay status for X amount of months. I have hundreds of hours on the phone and have made no progress with any of the banks representatives to resolve the situation. They are making it impossible. Before this I had an XXXX credit score and because of the lack of help from the bank its down to XXXX. Same scenario for multiple accounts. 

I am hung up on / disconnected calls from the bank every time. ie ; on the phone for 4-6 hours a day transferred to multiple representatives that I have to re explain the scenario to. They do not and will not do their job, or honor the promise in the programs I was placed into. 

They have all calls recorded and Im being light about saying I have over 300 hours in phone time without the bank resolving anything in the last year.

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 2021-04-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2021 I mailed dispute letters to XXXX, Equifax, and XXXX  regarding the correction of several inaccuracies on the following accounts : XXXX XXXX - xxxx ... XXXX XXXX XXXX  - xxxx ... XXXX XXXX XXXX XXXX  XXXX XXXX - xxx ... xxx XXXX  XXXX  - xxx ... xxx XXXX/XXXX  - xxx ... xxx XXXX XXXX XXXX - xxx ... XXXX In accordance to 15 U.S. Code 1692g , XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX xxx XXXX  XXXX  - xxx ... xxx XXXX/XXXX  - xxx ... xxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX were to provide a breakdown of what the past due balance is for and a copy of the original signed contract from the original creditor. 

As of today, the credit reporting agencies ( XXXX, Equifax, and XXXX  ) and credit furnishers have yet to respond back to the disputes, debt validation, and section 609 requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Creditor sent an email regarding debt to the incorrect person. All of my personal information is included and my identity has been comprised. This person now has access to my full name, address, phone number and social security number. Including where the debt came from and the account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: Knight Adjustment Bureau
State: UT

Complaint narrative:
Knight Adjustment Bureau is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt was reporting. I immediately called and settled this debt. I however, never received any calls, notices, or letters from Knight Adjustment Bureau about this debt. This violates my 30 day right to dispute under the FCRA. This must be removed immediately as you violated my rights as a consumer.I am aware that your company has the ability to report this account to the credit bureaus as you deem necessary. Furthermore, you have the ability to remove any accounts since you are the furnisher. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite XXXX All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On XX/XX/2021 I received a notification that a {$450.00} purchase was made using my Venmo debit card information through the app XXXX. I did not make this purchase. It has been a month going back and forth with Venmo trying to resolve the issue but I am the one thats left to pay for something someone else bought with my information. I immediately contacted XXXX and they closed my account and marked the purchase as fraudulent. A couple days later my account information was used again but denied because my account was closed already. I was immediately notified. They were wonderful. 
Venmo credited me the money while they were working out the dispute but has denied my claim and left me paying for the purchase. They took the money out of my account today. I am beyond frustrated as to why this cant be resolved. I first contacted the company support on the XXXX immediately and again on the XXXX and multiple times in XXXX.

Company response to consumer: Closed with non-monetary relief