vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
At XXXX pm PST on XX/XX/XXXX a female called stating she was with Midland Credit to collect a debt for my XXXX account. I hung up on them thinking it was a fraudulent call but remembered that they are a legitimate collection company and called them back. 

I called back at XXXX PM XXXX XX/XX/XXXX and it was a man who answered this time and kept going on and trying to make me make payment arrangements for another account of which I was not totally familiar. I told him I needed to research it first before I make any agreement at which he kept pushing me. He told me I had three accounts with them. He never stated the other two. I then asked about the XXXX account I was initially called for and stated that Ive never had a credit account with XXXX, ever and that if they see a collection that I need to know about it so I can dispute it and report it for fraud. 

He kept telling me to forget the XXXX account and told me he could not look it up because it was not his case and went back to the other debt. 

I hung up on him and called XXXX directly to see if someone fraudulently opened up a credit account with them under my name. I called XXXX at XXXX PM XXXX XX/XX/XXXX and she told me that they would not go through another agency and that there is no credit account opened in my name nor never was. My account itself is okay and in good standing. 

The fact that Midland Credit was never hired by them and that they are using XXXX name to get to people is extremely unethical and in poor taste business or otherwise. 

There should be some sort of legal ramifications for this behavior in misleading others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX I purchase XXXX XXXX shares of XXXX from www.coinbase.com. This costed a little over 1000 but resulted in over {$100000.00} because in XXXX days XXXX  changed price and went from XXXX to to XXXX. I took screen shots to show what I earned. Then coinbase locked the accounts. Then coinbase changed the original shares brought to around 100,000 shares and put XXXX in in my account. Fraud. When I tried to cash out the money of over 100,000 it would not cash out it it locked up. I reported it to the sec.gov as well. I have all screen shots of earnnings, trying to cash out, cancellation messages and all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
Dept Collector says I owe money to XXXX XXXX and I don't owe them any money and I am in month to month lease and they told me that if you want to move out just to let them know before 30 days and I called them and it was during COVID and XXXX village apartments and told them a head of time like 40 days before I leave I am not going to stay there no more and I will be moving out and I have been paying them on time and the before I dropped my last check I called them and told them as well I will jot be leaving from next month and they advised me they are not working from the office and told me to drop the keys in the mail room when I leave and I will be fine and like after few month i called them to get my security deposit back and new people were their and they were like you owe us money and I didn't the rent for few months with is false and they were saying if you don't pay us money we will send you to Dept collector and after few month I see, u credit report went down and I can see I woe XXXX village money which is wrong and is a false statement I paid and informed them a month ahead before I leave. I followed their instruction as they told me on the phone and they told I will be fine and not to worry about it and they messed me up so bad. Please I want to remove this from my credit report. I do not owe them any money this is false. Please help me with this. 
XXXX XXXX XXXX {$9700.00} XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Synchrony Bank XXXX XXXX are not allowing me to use my card despite my payment in FULL that posted to my bank on XX/XX/XXXX and an email from Synchrony stating that it is has posted and it also shows paid in full in Synchrony as of XX/XX/XXXX. It is now XX/XX/XXXX and it has shown paid in full since XX/XX/XXXX, yet I am STILL not able to use the card. There is no appropriate support for this issue 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 2021-11-22 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: NC

Complaint narrative:
XXXX refused to accept and returned my ontime payments in XX/XX/2021 and XX/XX/2021 after forbearance. They subsequently reported me INACCURATELY as 180 days late.

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 2021-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
1 ) BSI Financial, the loan servicer, has made an accounting error in my impound account with regard to property taxes paid. Their records show XXXX  payments and XXXX credit back to the account, for a net total of XXXX tax payments of {$2500.00} each. This is incorrect, since there should only be XXXX tax payments of {$2500.00} each. Thus, BSI needs to credit my impound account for the {$2500.00} error.

2 ) In addition, as a result of their error, they have increased my impound account payment by ~ {$230.00} per month in order to compensate for the mistaken " shortfall ''. This additional amount is not necessary, and puts pressure on my personal finances unnecessarily.

3 ) BSI has a history of delinquent payments on my property taxes. The problem seems to stem from them targeting the " delinquent after '' date rather than the " due date '' as the date to submit the property tax payment- effectively guaranteeing that it will be delinquent every time ( impacting my credit and my ability to take out any equity loans ). I have to contact them routinely in order to try to ensure that the tax payment is not delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
ShellPoint Mortgage XXXX XXXX XXXX XXXX, MI XXXX Re : Request to Review Basis for Denial of Loan Modification Account Number : XXXX Subject Property : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 
Owner : XXXX XXXX XXXX Dear CFPB : I am writing to you because I am trying to seek a loan modification, and I believe that the loan servicer ( ShellPoint Mortgage ), is refusing to follow the guidelines pursuant to XXXX. I am asking the CFPB to please conduct a review of my account to determine if my suspicions are correct. I have owned the subject property since XXXX. Although ShellPoint is my loan servicer, I am unaware of the present lender, which is allegedly a governmental organization. I have tried to obtain a loan modification through their loss mitigation program. I have not been advised of the status of my loan modification/RMA packet aside from a denial based on ( 1 ) lack of documents ; BUT ; ( 2 ) I was informed in writing and telephonically that my application was complete. ) This can not be reconciled. Therefore, because XXXX has been the designated loan servicer, I am asking that you look into the following issues : Did the servicer give me a fair opportunity to be evaluated under XXXX ( and all relevant laws ), because my application was denied for lack of documents despite XXXX previously acknowledging that my loan modification/RMA packet XXXX packet ) was complete? For what reason ( s ) am I ineligible for co-signer release? And, if I am not truly eligible, can you help me understand the reasons why I would be deemed ineligible?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: VW Credit
State: CA

Complaint narrative:
On XX/XX/2021, I sold my car ( under a lease ) to XXXX XXXX in XXXX, California. My car was under a lease and had a payoff quote of {$16000.00}. The XXXX XXXX dealership was offering to purchase it off me for {$23000.00}. I agreed and completed the sale for the price of {$23000.00}. The dealership management team stated that the difference between the purchase price of {$23000.00} and payoff of {$16000.00} would be delivered to me in check form within 5 to 7 business days. 

I had not received it yet, so on XX/XX/XXXX, I contacted the dealership and left a voice message to the sales/finance team to check on the status of my payment. On XX/XX/XXXX, the dealership got back to me and stated that it was delivered on XX/XX/XXXX via XXXX  at XXXX pm. I called back to confirm the tracking number and discovered that it was shipped to an incorrect address in a different city. The address was completely different than the one on my account with the dealership and on the final paperwork. 

The dealership admitted to sending it to the incorrect address and confirmed that the check had been deposited already and that they are going to file a fraud claim with their bank and that they will have to send me a new check or I can drive several miles out of town to pick it up at their business office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I filed a complaint with wells Fargo on XX/XX/ 2021 about an unauthorized transaction from XXXX XXXX. I told Wells Fargo my information was completely compromised due to an XXXX hack that occurred earlier this year which Im still recovering from. I waited for my XXXX business for this thing to get resolved but on the XXXX  day, I received a voicemail. It was a wells Fargo investigator. I felt like I was treated like someone who was less than a customer. All I was met with was nothing but dead-end answers and hostility. I felt hopeless at that moment like everything was crashing down. I explained what happened and didnt get any results or helpful information. I was told to contact uphold directly so I decided to do that, that same day. Uphold customer service reps took forever to get back to me. The emails felt like a lifetime apart. I kept telling the reps that I didnt make any transactions and that wells Fargo reps told me to contact them. I was looking for a resolution but was quickly shut down and was told they were closing an account I never made. After a few backs and forth emails, I was told to contact Wells Fargo to get my money back. Wells Fargo said the same thing to me and told me to go to uphold to get my money back. I feel like Im just getting bullied by XXXX  big companies with no care in the world. This isnt right and they feel like theyre untouchable. I feel hopeless and lost and need the help of the 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 2021-11-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies. 

Its been more that 30 days and I have not received any feeback, this is unacceptable. NO investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
reporting inaccuracies 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 2021-11-22 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I the consumer have tried to dispute accounts that were resulting in IDENTITY THEFT the creditors, XXXX, XXXX, AND XXXX failed to block and remove the accounts according to XXXX XXXX XXXX XXXX XXXX PLEASE remove accounts from consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I the consumer have tried to dispute accounts that were resulting in IDENTITY THEFT the creditors, XXXX, XXXX, AND XXXX failed to block and remove the accounts according to XXXX XXXX XXXX XXXX XXXX PLEASE remove accounts from consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I am ask to pay a loan that has already bee paid in full the Fair Debt Collections Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, GM FINANCIAL, is in violation of XXXX XXXX XXXX ( XXXX ) not state that such consumer owes any debt GM FINANCIAL, is in violation of XXXX XXXX XXXX ( XXXX ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

GM FINANCIAL, is in violation of XXXX XXXX XXXX ( XXXX ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: LoanCare, LLC
State: NC

Complaint narrative:
XXXX refused to accept and returned my ontime payments in XX/XX/2021 and XX/XX/2021 after forbearance. They subsequently reported me INACCURATELY as XXXX days late.

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 2021-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclay Bank did NOT solve any of the problems from my original complaint. They did not even terminate XXXX 's employment at Barclay. There's no indication that they actually read any of my complaints. They only sent me generic responses. 

If they are not able to solve any of these problems, we should continue the legal battle well into XXXX or XXXX. This is NOT something I will put up with, just to be clear. 


Original Complaint that was sent to Barclay on XX/XX/XXXX Date : XXXX, XX/XX/XXXX, XXXX XXXX Subject : Complaint against XXXX To : XXXX XXXX : XXXX Hi Barclay Bank : I called Barclay Customer Service on XX/XX/XXXX and I spoke to someone name XXXX. 

She refused to give me her last name and she gave me a fake employee ID. 

She told me she is located in XXXX, Nevada. ( if that's not a lie ) I had questions about my account which XXXX could not answer and refused to answer. 

We got to a point where I asked a question and she said that she did not have a response for me. 

She's very XXXX and rude to me the whole time. 

I had to escalate to a manager in order to get my questions answered and took care of business in my account. 

Please listen to the recordings from that day. 

XXXX talked to me like she was my boss and I was begging her for help or something. 

She lacks customer service training and sympathy as a human being. She left me with no choice but to formally report her. 

Please terminate XXXX 's employment at Barclay. She's a XXXX XXXX  at Barclay. She brings XXXX to Barclay. 

Thank you, 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 2021-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My dispute is with XXXX. I let a person that I thought was a technician log on remotely to my computer. My XXXX account was hacked and sent someone named XXXX XXXX {$34.00} on XX/XX/2021. On XX/XX/XXXX money was sent to XXXX XXXX in 2 amounts of {$77.00}, and {$23.00}. I immediately reported these transactions to XXXX and they sent me notices that they were NOT unauthorized, they were a usual transaction. I called the fraud department and told them that my computer had been hacked and that I have never sent money out of my account to any person. All I used XXXX  for was XXXX and XXXX. They said they would look into it and I just got an email saying they are all authorized transactions. They are not and even an XXXX could look at my account and see that this is not my usual transactions. They also wont let me close my account.

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 2021-11-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Was in bankruptcy protection from XX/XX/2019 until XX/XX/2019. 
XXXX XXXX reported a late payment on my account during the automatic stay. 
The payment was not late and this violated the protection that bankruptcy provides.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have been disputing with all XXXX major credit bureaus an account that appeared on my credit reports and that it was not mine. 

I contacted first progress. They reported they were not reporting this. I then contacted XXXX, XXXX, and Transunion that this was not my account. 

They claimed an investigation was done and that it was reporting right. I then reached out to XXXX XXXX and wanted this in writing this time. I submitted a certified letter to XXXX XXXX and received a response. 

I have included the letter and wish to have this removed immediately from all XXXX bureaus or my next step is going to be taking each of the XXXX credit bureaus to court under the Mississippi XXXX XXXX XXXX Laws. 

I will include the XXXX XXXX Letter

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 2021-11-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I have never taken a payday loan from Money Lion and they have somehow retrieved my banking information and started deducting money out of my account and when I put a stop to it, they put a negative action on my credit report. I have called them multiple times they will not supply me any written documentation showing that I signed for a loan, they say they will call me back. I have not received XXXX call back as of today. The company is committing fraud and identity theft on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: GA

Complaint narrative:
there inaccurate information on my report

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