vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Whenever I make a WIRE transfer to my Fifth Third Account they take XXXX from the incoming WIRE, however the past 4 times the bank employees got really LAZY in their handling of my WIRE fees. THEY BEGAN to not take it out of SOME and others they WOULD take the XXXX out of the incoming WIRE. I started to write down whenever they would NOT take out the XXXX WIRE fee and when they did because this is a bank where, the very second they begin making small errors, they tell themselves that the customer is not watching, and XXXX XXXX  was yesterday so they assume that customers are not paying attention. I did not do a wire yesterday, so for them to steal XXXX from me is fraud and banking discrimination, they assumed that me, as a XXXX veteran, is too tired to pay attention, The took XXXX $ from my last WIRE transaction, and wired 24 hours then put a negative XXXX balance on my account trying to keep a banking error pattern that was inconsistent with their fraud. Please tell them to stop making errors, I was watching, and I want my XXXX back. I was not partying for the XXXX, instead I was watching my bank steal from me. Fifth Third Bank is a very dishonest bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
SOMETIME AROUND XXXX OF 2012 AN ACCOUNT WAS OPENED AT SYNCB/XXXX XXXX. I DONT KNOW AN AMOUNT BECAUSE I WAS A VICTIM OF IDENTITY THEFT.

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 2021-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2021-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
SOMETIME AROUND XXXX, 2014 AN ACCOUNT FROM SYNCB/XXXX WAS OPENED. I DONT KNOW THE AMOUNT BECAUSE I WAS A VICTIM OF IDENTITY THEFT.

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 2021-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Pendrick Capital Partners
State: FL

Complaint narrative:
Affiliate Assets Solutions with phone number XXXX, keep calling me, my family, my friends and my employer constantly harassing me although I have told them to stop numerous of times. Because of them constantly calling my job and threatening my employer, I really worried about losing my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
SOMETIME AROUND XXXX OF 2007 AN ACCOUNT WAS OPENED AT CAPITAL ONE BANK FOR XXXX DOLLARS. I WAS A VICTIM OF IDENTITY THEFT AND DID NOT AUTHORIZE THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I received a Bank of America DUA card by mail that I never requested. As I work full time.

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 2021-02-08 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I have had a XXXX  balance and XXXX  use on my card for the last 3 weeks or so and I've been seeing a {$29.00} minimum due for the XXXX. of XXXX ( this month ) which I had no purchases or a balance. On the XX/XX/2021 I've made a purchase/transaction for {$26.00} and it appeared on the statement XX/XX/2021 the date which would of been a payment due date if I've had made the purchase during those 3 weeks, so I payed that {$26.00} and some change off on XX/XX/2021 and now today ( XXXX ) I see on my account that there is a note saying I need to pay Barclays more money or they will put my account in past due status. How is my account in past due status when I owe them nothing? My account is paid off and a XXXX  balance ( I took a screenshot if you need it ) I owe nothing and they want to report me, and possibly others. I think Barclays is running a scam with the credit bureaus to ruin peoples credit during these delicate times so people credit reports can be ruin, because I see no other way how since this pandemic that I've been contacting you and other agencies to report them of their unfair practices against me and I've never really had a major problem with them until this pandemic so I have no other way of thinking why I am target against their payment schemes. And now, every time I call them their phone line goes dead on me because they have my number stored so their system recognize my number and I'm guessing ( no other reason ) the system is blocking my calls from getting patched over to speak with anybody.

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 2021-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Back in XX/XX/XXXX I filed Dispute with Bank of America XXXX prepaid card services For unauthorized transactions on my XXXX card And we sit in XXXX of XXXX We still no resolution no communication all Bank of America XXXX XXXX XXXX XXXX is doing is closing the disputes I was incarcerated during these unauthorized charges on my account And I feel like I'm at a dead end Road I contacted the XXXX I've contacted corporate Bank of America I've contacted the news XXXX XXXX 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 2021-02-08 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
GM FINANCIAL - ****** Opened Date XX/XX/XXXX Balance {$24000.00} GM FINANCIAL - ****** Opened Date XX/XX/XXXX Balance {$14000.00} As a customer I have privileges that are given to me to safeguard me from mis-information being accounted on the credit report. At this time I would wish to get a previous request for assessment before I check with my lawyer for tips on the way to handle inaccurate and unverifiable things that are ongoing to be tested as accurate. Please don't hesitate to have me with a copy with the contract authorized or voice conversation where I granted billing me with this particular account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
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 2021-02-08 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: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
I found out I was a victim of identity theft XXXX/XXXX/2020. I contacted the institutions with fraudulent accounts, and the credit bureaus that day. Most have been resolved except HSBC. They told me on XX/XX/XXXX20 that the accounts were closed, but they are still reporting to the credit bureaus that they are open with ever increasing balances. I have call several times, I have provided copies of police reports, the FTC report, etc., but they are dragging this out forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
Re : XXXX Bill # XXXX I have submitted a certified letter and other letters to Harris & Harris over the last 4-6 months asking them for validation of this debt. I asked them to please provide the name, address, and telephone number of every person who personally verified this alleged account, so that I can inquire about how they verified it without providing any proof, bearing my signature. This creditor failed to provide any documentation. The only information they sent was to my XXXX  credit report with my name, their information, the account number and the amount owed. 

Moreover, this fraud utility account is reporting inaccurate information on my XXXX  credit report. This false debt is hurting me and my family in this pandemic. Because Im trying to refinance my mortgage and they the mortgage company wants to know what is this collection on my credit report. I want someone to send me the contract i signed with you consenting to doing business with you? If there is No contract how can I have a debt with you.Delete this off my report within 30 days per the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
This is more of a general complaint because it has happened numerous times with different institutions, but I'm writing because it just happened to my family again last week. I took our dog to the vet 's office and when they ran my debit card for payment they accidentally charged {$1100.00} instead of {$120.00}. They realized the mistake immediately after it happened and refunded {$1000.00} to my debit card. The issue I have is that money can be deducted from our checking accounts instantly but for money to go back in can take up to a full week. For that week, our account can be depleted or overdrawn, and nobody is technically liable for fees incurred except us as the user, not to mention not having that money available for other bills like groceries. The bank in this instance is Bank of America, but this has happened with other banks as well.

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 2021-02-08 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: Coinbase, Inc.
State: FL

Complaint narrative:
My Coinbase account as been on temporarily disabled for over 6 months. I tried contacting coinbase through there support. After numerous tickets and complaints number from Coinbase itself and up till now I still cant get access to my account to withdraw my funds. 

Here are the ticket and complaints number. 
XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I initiated an ACH transfer to my CapitalOne High Yield Money Market account on XX/XX/XXXX, expecting the money to be available for withdrawal within 3 business days - as I understand the regulatory guidance to be for ACH transfers. 

Yet, when I called customer service today to confirm when the funds would be available, I was told XX/XX/XXXX. This is more than 7 business days. When I asked the service rep - I was told that for my type of account, 2-5 business days is the usual length of the transfer window, which still does not fully explain the 9 day ( 7-business-day ) wait he mentioned. 

Should it be legal that a bank would hold on to a person 's money for that long?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: DE

Complaint narrative:
On the afternoon of XX/XX/20 I opened a crypto app called coinbase to check my account. At that time there was a little over {$2700.00} in the account. I was working nights that week so I decided to take a nap. I woke up around XXXX XXXX and checked my account again only to see that there was only {$1.00} left in my account. I noticed that there was two tranfers out of my account to another crypto wallet. Upon seeing that funds were missing I contacted Customer support, all they have is email correspondence no numbers for live help. Once i sent an email I got an auto response telling me that an account specialist would look into my case and contact me within 4-5 days and that my account would be locked to protect it. That was almost five months ago and after repeated emails I am still in the same place I was in back in XXXX with recurring deposits to the app and no access because it is still locked. After a little research I found various forums on social media where people were pleading to customer support on the companys XXXX and XXXX page. At one point I thought that my account had been hacked and maybe coinbase could get to the bottom of it. But then I realized that the company employs two factor authentication and my phone would have had to have been on for someone to input the one time code and access my email to confirm this unauthorized transfer. I am starting to see a pattern of customers money disappearing, losing access and that access never being restored. I have also tried to contact their CEO XXXX XXXX via social media since hes always posting on XXXX and has a huge presence on his companys page. I sent him a direct message thinking that he would at the very least want to know what was going on in his customer support department but instead he blocked me from sending messages to him. I dont exactly know what is going on with this company but they should be held responsible for their lack of communication and transparency, not to mention they are gaining new customers daily that could go through the same thing. 
Upon request I can provide emails showing no answer from customer support. I can not provide a snapshot of the transfers because they company will not unlock my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Or the last two months I have been harassed by the mortgage company to make payments I have already made. And I have giving them proof by proviso the pictures of the front and back of the check they have cashed or deposited. These copies were provided to me by my bank. And they continue to Harris me daily. Monthly. To make a payment. Several times a week. Monthly Im calling and trying to fix the problem. I provide proof and they continue to harass me. 
This is a va loan. They know if they show proof that Im not making my payments then they can still get their money. Kick me out of my house and resell my house. Im done being harassed to make a payment that I can prove. Have proved. That Ive made

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: GA

Complaint narrative:
As I have not heard back from you in over 30 days, regarding my demand for proof, since my notice of dispute dated XX/XX/2021 ... proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2021-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
To whom it may concern, On Sunday XX/XX/2021 I used Paypal service to transfer {$2000.00} to my sister in law. Before completing the transfer, Paypal asked if this was a purchase payment or transfer to friends and family. It said no charge for friends and family. So I proceeded to make the transfer. Next thing I know they charged a 2.90 % fee or {$57.00}. This is unfair and deceptive practice. How can they state there is no fee previously and then charge one? You had to choose between friends and family or payment purchase/business before going to the next step. Clearly this is misleading and false advertising of their services. 
Please force Paypal to disclose applicable fees responsibly and clearly. 
Thank you for looking into this. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
On XX/XX/2021 I mailed a cashiers check in the amount of {$19000.00}. They posted the payment on XXXX. This was a cashiers check paid out of an attorneys escrow account. They place an additional 10 day hold on these funds.

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