vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Data, Inc.
State: WI

Complaint narrative:
XXXX XXXX of XXXX ( XXXX XXXX ) sent bill to collections and included price of rental unit. Lady in office said if i brought unit back they would remove cost of unit. I brought the unit back and they then said they couldnt remove the cost of unit and said id have to work it out with XXXX XXXX. I am not paying extra for unit that was returned. Amount sent to collections is {$920.00}. Bill was only XXXX some dollars

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
XX/XX/2020 I mad a settlement for {$700.00} from the balance of {$4400.00} a special off from. westlake financial in retun they will close the account they did not close the accounts and I can claim the balance at the end to IRS

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 2021-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Allied Servicing Corporation
State: MS

Complaint narrative:
Hey I'm have a problem with my loan company with missed information about an house me and my kids mom purchased. We purchased a rent to own house from a company in 2020 in XXXX paid down XXXX and XXXX a month.But found out it was a foreclosure home that we would've purchased cash now we are paying a mortgage for a house we could've bought they leading us in the blind about the house I have proof and papers to prove it I need help to see what going on because I'm not understanding what's going on missed info thanks for taking the time out for looking into my case.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since XX/XX/XXXX and most recently XX/XX/XXXX, Experian has failed multiple times to provide me with the results of their investigation after I asked them to validate the debt with the creditor as they are NOT mine. To this date, they ( Experian ) have used several tactics inclusive of asking me to send them proof that I am who I say I am and accusing me of being a third party to my own information. However, I AM the consumer, and I have sent copies of my DL and SS card multiple times to them. I also feel that Experian is utilizing this practice to circumvent and distract me from the fact the creditors were unable to verify the debt because they are not mine,

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 2021-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi Bank made a hard inquiry on my XXXX  credit report on XX/XX/2020 without my authorization. When I called, they said they did not make such a pull but XXXX has since confirmed it was them. Its their name and address. I have researched and found others online complaining of the same behavior by Citi Bank.

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 2021-02-06 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: U.S. BANCORP
State: DC

Complaint narrative:
I filed 2 disputes about 2 transactions with a company because the company never provided the service that paid for. I paid for e-filing of 2 documents which were supposed to be recorded for a business transaction that was to take place in a few months. When I went to close on the transaction, I was unable to and the business transaction was terminated because that documentation was never filed. When I called the company and ask them why they didn't file it, the admin. assistant literally said " oh I don't know '' but we did get your documents. I then asked for a refund and she said no. I IMMEDIATELY contacted Elan to file the despites. Elan then proceeded to have me explain the situation and further WRITE it down TWICE and mail and fax it in. After going through all of that trouble, they sent me a letter this week saying that they can't do anything about it because my disputes were files after 60 days of the transaction. THE ISSUE DID NOT ARISE UNTIL AFTER 60 DAYS. AND ALSO, WHY WASTE MY TIME AND HAVE ME GO THROUGH ALL OF THIS TROUBLE ONLY YO NOT ASSIST. I NEED MY MONEY BACK. I PAID FOR SERVICES THAT I NEVER GOT AND THIS IS NOT ETHICAL AT ALL.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXX and contacted the police department. Please block and remove all information from my credit report and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : The Credit Bureau did not remove anything please remove accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Me and my attorney filed and sent proper paperwork to XXXX XXXXXXXX debt buyer for XXXX XXXX disputing amount owed and requested proof. XXXX XXXXXXXX could not present any valid documents and removed all inaccurate information from all credit bureaus in 2019. After that was resolved National Credit Adjusters LLC another debt buyer for XXXX XXXX  bought the same inaccurate debt as new debt and I am now filing the same paperwork on them with you and credit bureaus. I think this is deceptive collection tactics. Please refer to CFPB complaint # XXXX. 

This is a type of ongoing harassment I can not explain but needs to be looked into further and I may get an experienced attorney/investigator and file complaints with every credit agency I need to. 

I am attaching some online community forums where it shows speedy cash, XXXX XXXXXXXX and NCA are working together using these deceptive debt collection techniques to harm peoples credit. They may even be working with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: Telerecovery Corporation
State: LA

Complaint narrative:
Tele Recovery Of Louisiana updated my credit report on XX/XX/2021as being delinquent in the amount of {$380.00}. I've reached out to them XX/XX/2021 seeking providing details of such adequate services so I can identify if mines and address this issue yet they still haven't provided such information. I need assistance with this matter because this falsely reporting have impacted me financially.

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 2021-02-06 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I made an online purchase at XXXX using my store card on XX/XX/2019 and subsequently returned some items from the order within the same month. The balance on my card was not updated correctly to reflect the return and interest was applied to the amount of the returned item. That amount was not paid because I contested it with the credit card company and later a penalty was applied for not paying the interest. They inevitably reversed the amounts when they looked into the charges meanwhile they reported my payment history as 60+ days late in XX/XX/2019 and reduced my credit line. First of all it is impossible to be 60+ days late when not even 60 days could transpire between the purchase date and the month of their reporting. Second of all I was never late as the amount was never owed. Several attempts to resolve with the company have yielded zero 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 explanation
Consumer complaint received 2021-02-06 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: WI

Complaint narrative:
I recently in the past 6 months has disputed negative/unverfied items reporting on my Equifax, I spoke with a representative at Equifax and was told clearly that they would not submit my dispute letter that i mailed out to them on XX/XX/2020. Equifax clearly has not and will not respond to my 4th dispute letter that I mailed on XX/XX/2020. Attached is proof of my 3rd and 4th dispute letters that I mailed out to Equifax, with them not processing the 4th dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: NY

Complaint narrative:
I made an online purchase at XXXX using my store card on XX/XX/2019 and subsequently returned some items from the order within the same month. The balance on my card was not updated correctly to reflect the return and interest was applied to the amount of the returned item. That amount was not paid because I contested it with the credit card company and later a penalty was applied for not paying the interest. They inevitably reversed the amounts when they looked into the charges meanwhile they reported my payment history as 60+ days late in XX/XX/2019 and reduced my credit line. First of all it is impossible to be 60+ days late when not even 60 days could transpire between the purchase date and the month of their reporting. Second of all I was never late as the amount was never owed. Several attempts to resolve with the company have yielded zero 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 explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I made an online purchase at XXXX using my store card on XX/XX/2019 and subsequently returned some items from the order within the same month. The balance on my card was not updated correctly to reflect the return and interest was applied to the amount of the returned item. That amount was not paid because I contested it with the credit card company and later a penalty was applied for not paying the interest. They inevitably reversed the amounts when they looked into the charges meanwhile they reported my payment history as 60+ days late in XX/XX/2019 and reduced my credit line. First of all it is impossible to be 60+ days late when not even 60 days could transpire between the purchase date and the month of their reporting. Second of all I was never late as the amount was never owed. Several attempts to resolve with the company have yielded zero results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Reported fraudulent charges on XX/XX/XXXX and they handled the claims poorly by checking on only one of the three claims and then closing the report. It took me 45 days and 3 contacts with Synchrony Bank to have another report opened on the other two fraudulent claims and another forty five days to receive any reports on their progress. 

In the mean time they have charged me interest on the fraudulent claims and late fees for non payment on the fraudulent claims. It is now XX/XX/XXXX and there are still charges on my account for the late charges on fraudulent purchases and late fees for non payment on fraudulent claims.

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 2021-02-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Me and my attorney filed and sent proper paperwork to AD ASTRA debt buyer for Speedy Cash disputing amount owed and requested proof. AD ASTRA could not present any valid documents and removed all inaccurate information from all credit bureaus in 2019. After that was resolved XXXX XXXX XXXX XXXX another debt buyer for Speedy Cash bought the same inaccurate debt as new debt and I am now filing the same paperwork on them with you and credit bureaus. I think this is deceptive collection tactics. Please refer to CFPB complaint # XXXX. 

This is a type of ongoing harassment I can not explain but needs to be looked into further and I may get an experienced attorney/investigator and file complaints with every credit agency I need to. 

I am attaching some online community forums where it shows speedy cash, ad Astra and XXXX are working together using these deceptive debt collection techniques to harm peoples credit. They may even be working with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: CITIBANK, N.A.
State: DE

Complaint narrative:
I received e-mail from Citi claiming that owe on their credit card more than {$1700.00}. The payment is due on the first of each month but I have not received their bill for the month of XXXX. I can not pay the bill which I have not seen. Moreover, I stopped to use this card after realization that the company does not have gift cards that I want or need. I asked them to mail me the bill but instead I received today telephone call with option to pay the bill that I have never seen. Unless Citi mail me the bills I will not be able to pay them nor will I agree to the interest and additional charges for not paying on 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 monetary relief
Consumer complaint received 2021-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021, I checked my Available Balance in my Bank of America checking account - using the Bank of America mobile and web apps - at approximately XXXX PT. I confirmed that there were sufficient funds to cover an impending withdrawal of {$2400.00} from a check sent to my landlord. 

I later confirmed that the {$2400.00} in funds was withdrawn successfully from my account, with plenty of available funds, leaving {$290.00}. This is still documented on my account, as documented in the attached screenshot of the mobile app. 

The following morning, despite more than {$4100.00} being deposited into the account, I learned that the check was " returned '' and an overdraft fee of {$35.00} was charged. 

After speaking with several representatives at the bank, XXXX ( XXXX ) confirmed that the bank erred in several important ways, and is clearly misleading customers about their available balances. XXXX confirmed that she would file an internal complaint on the following issues, and I stated that I would do the same. 

These issues are : Mobile and web apps - The bank 's own apps are providing incorrect and misleading Account Balances. The bank claims that, only on the web app, there is a separate area of the app that shows which checks have " posted '' and therefore, what the actual account balance is. This is incredibly misleading to average consumers, such as myself. I have been a customer of this bank for more than a decade, and this has never happened before. I have attached a screenshot which confirms that {$290.00} was remaining in the account after the check was withdrawn, proving that the check should not have been returned. 

Overdraft Fee - I was told that the Overdraft Fee can not be returned to me while " processing. '' XXXX confirmed that this is incorrect and she returned it to me. 

Overdraft Protection -My Overdraft Protection was linked to a closed savings account, yet I was not told this, so the checking account did not pull from the correct account when it needed to. XXXX confirmed that this is incorrect and misleading. 

Notification - I was not notified in a timely manner about the overdraft. XXXX confirmed that this needs to be corrected.

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 2021-02-06 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.

Complaint narrative:
Coinbase has put my account under review for no apparent reason, it has been over a month since the account has been under review, I have sent them numerous number of emails and the Coinbase company is not responding to my emails with the solution. 

I am already level 2 verified customer with them for many years, i can not buy or sell any digital currency on the coinbase platform which has resulted in a financial loss for me. 

I also tried contacting them on XXXX, Coinbase website, Coinbase complaints and getting no responce at all. There is no telephone numbers for them. 

My email address is XXXX I have raised numerous cases # XXXX, XXXX, XXXX, XXXX, XXXX, Please help me as my active funds are locked with coinbase and i can not transfer, withdraw or do anything. 

Kind Regards XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2021 Experian reduced my score by 25 points. I called to find out what was the reason for this. There was not any derogatory remarks, collections, increase in credit use. No changes at all in the report just a 25 point reduction. When I called to inquire after being shuffled to 6 different people. No one was able to tell me the reason for the 25 point reduction. Can these companies randomly do this sort of thing without cause? Are there any standards they must follow? Is this legal? Please help

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 2021-02-06 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: MD

Complaint narrative:
This account was paid off in XX/XX/2017 in full and its reporting charged off 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 2021-02-06 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This account was paid off in XX/XX/2017 in full and its reporting charged off on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This account was paid off in XX/XX/2017 in full and its reporting charged off 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