vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-20 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: OH

Complaint narrative:
in Late XXXX Portfolio recovery started contacting me about a XXXX account in my name that they had purchased. After many back and forth phone calls and trying to figure out this account I found out that this was indeed my account and the person who was using it was someone that lived in my house and was now deceased. So after speaking with a Portfolio recovery representative discussing options, and asking for a breakdown of how they came to the amount due total. they verbally offered me a 1 payment offer of XXXX. This would have been XX/XX/XXXX I wrote the check and it was dated XX/XX/XXXX. It cleared my bank on XX/XX/XXXX. It has been 2 years and they will not acknowledge my payment. I have sent them copies of the returned check, when I call and the representatives look in my file they can see the check and they can not understand why it's not reflected on my account. the PR people have told me to 1 ) send in your bank statement showing where it cleared the bank. 2 ) call the dispute line and speak with them. I have called the dispute line, but mostly I will only email as I want a written trail to all of this. They never ever answer an email and the only thing they are trained to say on the phone is they have my dispute documented and they will contact me once they have investigated. I have sent them a clip of my bank statement showing where the check cleared, and I have sent them front and back copies of the canceled check. They never acknowledge my payment. I am over this. I am not sure what their goal is at this point because until they credit my account with the payment made there is no way to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: Shellpoint Partners, LLC
State: NC

Complaint narrative:
New rez is lied on forum by replying to my previous complain XXXX that no negative credit reporting was done by new rez team. 

I am attaching email from New rez team " XXXX " for loan number XXXX where they advised me new Rez couldn't refinance my loan because negative credit reported buy new rez team. 

2nd. I am attaching other mortgage lender email where they said they cant do refinance OR new loan because of negative credit reporting. 

How can New rez lie in forum and how can this forum accept lies and close my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc
State: OH

Complaint narrative:
I have a chime account online. I got Security codes stating use the code get into my account on XXXX. I called bank stating someone trying get into my account. Told me change password. I did on XX/XX/XXXX XX/XX/XXXX It happened again I called said same thing stated my stimulus check just came in can't do anything else said it dolly be fine change password. Someone hacked into my account changed my phone number to there's and sent two checks to themselves. XX/XX/XXXX XXXX XXXX for XXXX and XX/XX/XXXX XXXX XXXX for XXXX. I didn't have access to my phone when found this out called the bank.. stated that my account was suspended due to suspicious things. Person changed phone number back to mine XX/XX/XXXX. I was able to stop XXXX check the XXXX was cashed. Bank stated they can't help me cause was a check. Been waiting 3 weeks for information on the check supposed send me nothing. Each time I called got different answers. I filed a police report. Still not resolved. Still same things different answers each time. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
This was my first time doing business on XXXX, and I was a beginner, so I sold a few items at a lower price. Later, due to family reasons, I stopped selling on XXXX. My money has been in Paypal, but I don't know why Paypal stole my money XX/XX/2019 PayPal - negative {$6500.00} XX/XX/XXXX Transfer P PayPal - negative {$6500.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$6500.00} XX/XX/XXXX Transfer You reported a problem with this transaction. See the status of your case in the Resolution Center. 
Paid with Balance {$6500.00} Transaction ID XXXX Seller info PayPal Note {$6500.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Continental Finance Company, LLC
State: MI

Complaint narrative:
I specifically purchased a XXXX XXXX from Continental Finance to restore my credit worthiness. 
I paid the outstanding balance in full from my checking account but the clerk didnt properly enter the account information. 
So I made a second payment from my Checking account which the company is delaying in showing a credit so balance inaccurately reports Im over limit, which Im not because company isnt reporting payments made.

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 2021-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
On XX/XX/21 I submitted a request to deposit {$20000.00} from my bank account into my Coinbase Pro account. On XX/XX/21 the {$20000.00} cleared my bank account, but the funds in my Coinbase account remain in " Pending '' status as of XX/XX/21 and I do not have access to these funds. I have reached out to Coinbase multiple times showing my bank statement withdraw of {$20000.00} and my " Pending '' {$20000.00} in Coinbase Pro account and they refuse to acknowledge the issue and have since stopped communicating with me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
Wells Fargo has not reported my payment history or correct balance as of XXXX of 2018. 
I have made multiple attempts through credit bureaus and contacting them directly but they're still verifying the wrong information as accurate. I've attached supporting documentation. My current balance is XXXX not XXXX or even XXXX as reported to the credit bureau.

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 2021-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
after submitting complaint - i have noticed that i was given a XXXX monetary relief - that does not take care of all the other charges still leaving my account negative. this is not right .... overdraft charges of over XXXX and all i get is XXXX relief after banking with wells fargo for over 5 years - and i have tried to make arrangements with bank with no success. several phone calls - and emails and no success.

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 2021-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
I closed my account with BBVA due to their terrible customer service. After I closed my account, I received a credit for {$380.00} and I called them to request a check to be sent to me. The amount was deducted on XX/XX/2021 and I was told I would receive a check in 5-7 business days. The check didn't arrive and each time I call the people I speak with have no idea how long it'll take and keep making up new timelines. This company is stealing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
The Navy Federal Credit Union sent me all of the money in my saving and checking accounts as if to close my accounts. They sent the check in the amount of {$98.00} with no letter of explanation whatsoever. 

I can only assume that I am being punished for my complaint against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I initiated a wire transfer from chase to XXXX XXXX XXXX, I purchase a semi truck to start my own business. On XX/XX/2021 I wire {$15000.00} to XXXX  XXXX XXXX account number XXXX, routing number XXXX. Chase keeps telling me that they have completed the transaction but XXXX XXXX XXXX XXXX at XXXX PA keep telling me that the money has not been received by their accounting department. Witch is the account info from above. 
It's a been almost a week and I am sure now that chase is not trying to help me at all, I please help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander bank for numerous months is not adding principal amounts to the monthly payments only interest for entire amounts. Santander bank is also reporting false information on all credit agencies. I've tried many times to resolve the issue with Santander bank and get no response from them. Please look into this matter Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: OH

Complaint narrative:
On XX/XX/2020 I ordered a free coin from XXXX. The fine print of that order indicated I would be purchasing a second coin for XXXX. When they told me I now owed this money I told them I didn't want the item, they sent me packaging to return it and I mailed it back to them. I never heard from them again until this year when nationalrecovery.com debt collection agency claims I owe XXXX  XXXX  XXXX. I have reached out to the XXXX XXXX via email multiple times and they will not respond to me at all. I am XXXX XXXX XXXX and believe they are trying to take advantage of me because I ordered this on the phone and I don't know what to do.

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 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To whom it may concern : I have just been advised ( XX/XX/XXXX ) that there has been monthly negative activity on my credit report from CitiCards. This was brought to my attention when reviewing credit for a new home loan. Upon contacting Citicards today ( XX/XX/XXXX ) I was informed that this is stemming from XXXX, XXXX, when the account was closed. Since then they have been billing me monthly late payment charges and interest. During this time they admitted they have not attempted to contact me once. No emails, regular mail or voice mail. Nothing. 

For 27 months they have been charging me and negatively impacting my credit. I do not believe this meets the standards of transparent disclosures under the Credit Card Act of XXXX, and surely does not meet the standards of fair and transparent conduct. When attempting to gain more information on this issue they have informed me that I can not call, email or send certified mail to anyone but instead can only fax ( yes, fax, and it's XXXX! ) a request to dispute. 

So, to summarize ; no communication for 27 months, no attempt to resolve the issue, no disclosures, and now no intent to work with me to resolve the issue. 

Please advise at your earliest convenience on the appropriate course of action. I have requested that Citicards send me a statement and full disclosure on all monthly charges and fees over the entire period. 

Best, 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 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have paid several accounts off this year and both the company and TransUnion have not been willing to update my credit report. What's interesting is that XXXX  already shows the balances paid and my credit report updated, but TransUnion isn't willing to and I can't get anyone at TransUnion to talk to me.

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 2021-04-20 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: PA

Complaint narrative:
Transunion has failed to respond to my dispute, I have yet to hear anything from them. The letter is attached. I sent this letter which also contains my license for verification ( which should be more than enough to verify me being that they have my alleged information without my consent ) on XX/XX/XXXX. I received notification of receipt 2 days later being that their company is only 2 hours away. So there is no excuse.

Since Transunion it has been more than 30 business days since Transunion received my letter which is in violation of the FCRA. I am asking for the following accounts to be removed from my credit report immediately. 

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 2021-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
-AmeriHome Mortgage Company handles a mortgage for my rental property -A balance was owed on my homeowner insurance 's insurance, provided by XXXX XXXX XXXX This was to be paid out of my mortgage escrow. This payment was due in early XXXX -AmeriHome did not pay this balance despite 5 plus calls from myself ( early XXXX through XXXX ), uploading my policy to their site, and providing them an address to pay this balance - Each time I spoke with them, they promised the payment would be overnighted -I received an email from XXXX XXXX on XX/XX/XXXX stating the balance still had not been paid and my policy would be cancelled XX/XX/XXXX if it was not paid -I called AmeriHome and had to use 2 cellular phones on speaker mode to connect a representative from AmeriHome to a representative from XXXX XXXX -I ultimately had to pay the balance ( approximately {$1500.00} ) out of my own pocket because AmeriHome could/would not make the payment in time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BCA Financial Services, Inc.
State: FL

Complaint narrative:
I have been reaching out to the creditors on my debt since XXXX. I have sent dispute letters each month since then and have never received a response under the FCRA the creditor has 30 days to respond and remove the item off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I do not have any debt whatsoever. Everything I own is paid off or paid in cash. This company, Sunrise debt services XXXX XXXX XXXX is a scam and calls my number even though it is on do not call list

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 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: MI

Complaint narrative:
The account was agreed to be deleted after being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
{$480.00} overdraft fee in XX/XX/2021. 

On XX/XX/2021, I just spoke with the accounting specialist and collection specialist concerning my unemployment situation and asked them what my options are available to prevent the NSF fees. They said they can set up {$480.00} payment plan once the {$480.00} is posted then I can call back and request a payment plan next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The account was agreed to be deleted after being paid.

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 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The account was agreed to be deleted after being paid.

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 2021-04-20 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: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
On Thursday XX/XX/2021 I setup a payment to pay in full two XXXX collections that were with Southwest Credit. 

Reference No 's are as follows : {$250.00} XXXX {$1800.00} XXXX Both accounts are paid in full and closed, but XXXX has yet to update the credit report. I feel as if I have been scammed and this company is not apart of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: MRS BPO, LLC
State: MI

Complaint narrative:
Mrs Bpo Llc is appearing on my account with an account from XXXX. Please verify this debt, as it has appeared on my credit account 3 different times under different creditors. This account was paid in full to the original credit XXXX  due to return equipment in the winter of 2019. This is an attempt by a company without any access to pay them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief