vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JNR Adjustment Company, Inc
State: CA

Complaint narrative:
I rented a car with XXXX back in XX/XX/2021. I booked through XXXX, and paid for the care when I picked it up with my credit card. I returned the car after 2 days.. I recently received a letter in the mail saying the bill for the car rental went to collections. XXXX sold it to JNR Adjustments. They never notified me they were sending it to collections or anything. I called them to let them know I did in fact pay for this rental. They said my bank pulled the money back in XXXX. My credit card company, XXXX assured me that while they did pull back money from certain merchants due to a fraud investigation on my account, they rebilled the money back to all merchants that were valid transactions, including XXXX, and are mailing me the supporting documents. They are mailing me the bank statements that show the transaction for this XXXX XXXX did indeed go through, and I had already paid the balance off with XXXX, as I closed the account in XXXX. Per XXXX, I should get those statements in the mail in 7-10 business days. After speaking with a representative named XXXX at XXXX billing department again, not only were they incredibly dismissive, but did not follow through on my request to have a supervisor call me back, when I gave my call back number. Every time I called XXXX customer service, I waited anywhere between 1-2 hours for a representative to answer, only for them to have to transfer me to a supervisor, which caused another 1-2 hour hold. Finally, they told me there's nothing they can do since they sent the debt to collections, and I have to speak with the collection agency. I am extremely upset with how XXXX handled this. I am in the process of getting a student loan to do my XXXX program, and this would have completely ruined my chance. This will devastated my credit score, and me as well, if I wouldn't be allowed to take out my student loan. I am writing to you in hopes that this will be rectified, and does not happen again to anyone in the future. It's upsetting that this is my experience with my first ever rental from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AL

Complaint narrative:
I obtained a payday loan in XXXX. I honestly forgot about the loan. I explained to them after no longer having income that I could not pay the loan. I closed the account it was coming from not to do anything fraudulent. I closed it because they kept trying to draw out an account that had no funding. It was so long ago, I honestly forgot about the loan. I received a call today at my job in XXXX saying that they are going to send papers to sue me tomorrow to my address if I do not pay over {$460.00} or so. I can not pay that out of the blue. The amount I borrowed was {$110.00}. The loan account # is XXXX and is in collections. There is a man calling me from XXXX XXXX XXXX by the name of XXXX XXXX. He has the last four of my social security number. He told me they will see me in court and the paper work will be delivered tomorrow. I explained to him I could not make that type of payment out of the blue. I reviewed my emails from years ago, and I took this loan out in XXXX. I can pay the XXXX over two payments. I did borrow that. I went through a whole lot after borrowing it also. I did not plan to not pay them back. Any assistance that can be provided will help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
Purchased XXXX from coinbase.com on XXXX XXXX XXXX with my XXXX XXXX account. Tried to trade in XXXX XXXX, was locked out of my account. Filled support ticket ( # XXXX ) no resolution just bot emails. I was forced to refile support ticket ( # XXXX ) in XX/XX/XXXX due to the complete lack of customer service. I did further authentication and brought my account to the highest security settings, as per what it said in the coinbase help page. 2 days later i received an email saying i was no longer eligible to use the platform! They said i can transfer the XXXX to the coinbase fiat wallet then transfer to my XXXX account. I am hesitant to do this as many other users have said they WILL NOT release funds. I posted on XXXX in XX/XX/XXXX directly to the coinbase support thread, as some users said this would expedite the process, i was replied to by another coinbase bot saying my case was being reviewed. I have since received coinbase support emails ( XX/XX/XXXX ) saying that my issue has been resolved, case closed, my account is being restricted, and that i am being kicked off as a user. My only option is to covert my XXXX to usd and transfer it to my XXXX account. This is unacceptable and my XXXX btc must be released. I have lost untold amounts of trading revenue during this last bullrun of crypto due to my account being restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
I have sent Focus financial Service attempting to collect a debt for XXXX XXXX, I have reached out to the hospital told them i am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MT

Complaint narrative:
XX/XX/XXXX transferred 2 test debits from citizens bank to another account in my name. Went through fine. 
XX/XX/XXXX transferred {$10000.00} from citizens bank to other account XXXX called citizens bank to Check on status of transfer. Was told it would take a few days XXXX called citizens bank to check on transfer. Was told money should already be in other bank account. 
XX/XX/XXXX - called citizens bank to check on transfer on 3-way call with new bank. No results/ told to wait more days as the transfer went through fine. 
XXXX has to borrow {$10000.00} from employer in order to complete home purchase, because I was unable to buy the home I saved for 15 years to buy due to citizens bank still holding my {$10000.00}. 
XXXX called citizens bank as still did not get transferred {$10000.00}. Was told it should be fine, and was processed. That The other bank is at fault. 
XXXX called citizens bank to find my {$10000.00} and got extremely angry, finally was transferred to someone who said the funds are on hold actually and the transfer was cancelled. Was told I should have my funds back by XX/XX/XXXX XXXX funds of {$10000.00} not returned to me, check to repay my employer bounces. Jeopardizing purchase of my home as well as my employment. 
Still Do not have my money back. This bank has jeopardized my entire life. If one person in the many times I called had given me any real information it would be a different story. 
Each call to this bank had over 20 minute hold time to speak with someone. 
I still dont have my money. 
My costs associated with this include bounced check fees for both me and my employer who loaned me the money, {$750.00} fee to my employer for the loan in the first place, not to mention incredible stress, Many hours of my time, jeopardizing my home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On Saturday XXXX, XX/XX/2021, I deposited A cheque in my business account at the ATM for the amount of {$3900.00}, The Balance in My account was {$7100.00}. 
On Monday XXXX, I checked my account on line, the balance was {$0.00}, I called citi bank to see what is happening. 
they advised me to call the fraudulent Department, because my account is blocked, I called the fraudulent Department, I give them my account number, she said no account with that number. 
I give her my debit card number, she said no card with that number. i said i will go to the branch. 
on XX/XX/XXXX, i went to the branch, and i asked to close the two accounts i have with them.

They closed one, and they have to call the fraudulent Department to unblock the other account. 
XXXX XXXX called them and told me, my account blocked because i deposited a fraudulent cheque. and i have to wait for the fraudulent department to close my account and send me a letter explaining what happened. i give them the proof that the cheque is paid from XXXX  XXXX XXXX to citi bank, they did't care.

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 2021-07-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
A collection agency under the name Southwest Credit is trying to collect an amount of {$83.00} that I do not recall to had with them. Also I dont have any contract or agreement with this Company and I do not own them any thing ... I never gave this company none of my personal Information as SSN, Names, Adress and Phone number and they are not autorize to use them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is XXXX This is my third XXXX time doing this XXXX. I tried to call and cant even get in touch with some one to confirm my XXXX identity. It crazy you are saying this just because I have educated myself on learning the law I am now a third party. That is XXXX  XXXX. These false reporting accounts on my credit report has been an XXXX  XXXX to me and my family I am not an unauthorized third party this is XXXX XXXX this I have submitted this request 3 times

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 2021-07-23 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: Atlanticus Services Corporation
State: CA

Complaint narrative:
Aspire Credit Card uses XXXX XXXX XXXX XXXX XXXX to collect for them when someone defaults on their credit card account.. as they did with me. I settled the account in full with XXXX XXXX and Aspire refuses to XXXX  out account claiming I still owe them {$280.00} I have called and talked to them and it just goes in circles and nothing ever happens. I have contacted XXXX  and XXXX  regarding this and this was their suggestion because they say that Aspire keeps sending back the same information and NOT acknowledging the fact that this account was closed and settled. I have attached a letter of satisfaction from XXXX XXXX. Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
Due to Covid 19 ... We entered into Forbearance with United Wholesale Mortgage on XX/XX/2020. Since XXXX XXXX was and still is one of the most restricted and affected area thru the whole pandemic process we stay on forbearance until XX/XX/2020. 
United Wholesale Mortgage sent us an option to apply for a XXXX XXXX XXXX XXXX which we are currently under. We sent our fist payment which was due on XXXX mid XXXX and XXXX payment on XX/XX/XXXX. 
On XX/XX/XXXX i received a notification that my credit score went down XXXX points, United Wholesale Mortgage reported our payments as late showing also the debt that was accumulated thru forbearance. It is my understanding this is incorrect and illegal. 
Contacted United Wholesale Mortgage and they acknowledge their mistake but stated that more late payment will be reported to the credit bureaus and that it will take time to fix our problem. 
I would like my credit score to be restore to the number prior to UWM mistake immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX and XXXX was fraudulently charged by merchant " B-Fresh '' Charges that I did not make and refuse to pay for fraud activity on my behalf Addressed with creditor Capital One XX/XX/XXXX and temporary credit was provided and new credit card was sent because of fraud XX/XX/XXXX credited charges were reverted and posted back to my account. The same charges that I did not make. The same fraud charges that Capital One refuses to address and credit back to the consumer. 

I will be cancelling my credit card with them ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: GATEWAY FIRST BANK
State: TX

Complaint narrative:
On XXXX XXXX, I spoke with the loss mitigation specialist XXXX  regarding issue with my credit reporting. I told XXXX that Gateway was putting on my credit report that I had a Balloon on my Mortgage and the information was incorrect. I let XXXX know that My payments was deferred from Covid and the remark should be a deferment not a balloon if anything. XXXX let me know that a Balloon is kinda like a deferment and that is why it's on there. I begin to tell XXXX that this is false information because I do not have a balloon and you should not put something on someone credit report if that is not what it is and that is false information. She then let me know that this is the company 's policy. When I ask to speak to a supervisor she would not let me speak to her supervisor and told me she would put in a ticket for one to call me back because her department does not handle credit. A supervisor has still not call me back at this time to try to fix this issue. I have attached the deferment showing that this is not a balloon. Also Gateway should have report payments from XX/XX/XXXX - XX/XX/XXXX reflecting timely payments through forbearance which they did not report. page 5 of the forbearance agreement state that credit report will have this reflected and this was not done as well because there is no data reflecting for those months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2021 Bank of America closed our accounts. 
Specifically a business checking account -- XXXX XXXX XXXX -- account ends in XXXX. 
Bank of America stated they sent a check out on XX/XX/2021, however, we did not receive the check, as they sent to the wrong address on file. 

Fast forward to XX/XX/2021, we contact Bank of America, talk to 3 departments, give the correct address to 3 departments, including business, recovery, and risk departments.

Phone numbers given for recovery departments are XXXX and for Risk department is XXXX. Keep in mind, we were told by all 3 departments that they see where the check was returned to Bank of America. We were told by the Risk department they they have sent the info, including the updated address to the Closing department to issue a new check. 

Fast forward again to XX/XX/2021, we once again call back to Bank of America, and this time we are told they do not see any records of our calls and speaking to 3 different departments on XX/XX/2021, so nothing has been done with the check, and the real kicker, now they don't see where the check was returned, and they once again have the old address on file!!!!

Once again we have given them the new address, and are told it will be another 2 weeks, and could be up to 121 days, before they will reissue a new check!!! Our rep
this time in the Fraud department, as he stated we can not talk directly to the Risk department now, XXXX badge # XXXX. ( Very doubtful the name or badge is legit ) This is absolutely ridiculous! Bank of America should be shut down!!!

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 2021-07-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have disputed fraudulent derogatory items and inquiries multiple times but they are still reporting on my credit file. I have sent in a copy of my identity theft report along with copies of my police report, ID, and SSN. I am a single mom of three and trying to purchase our first home but the fraudulent items are hindering me from being approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
received several text alerts about fraud that was trying to be done in mY account. And I followed the steps that I usually do when that happens. I then received a call from a XXXX  XXXX XXXX employee who was in fact a fraudster. He went through all the proper steps that employees go through when verifying an account. After we verified everything I was scammed out of {$1400.00} and it was zelled to another bank. I called filed a claim reached out to XXXX  XXXX XXXX & they denied the claim, said I should reach out to the scamming bank to try and resolve anything. When I reached out to that bank ( XXXX XXXX ) they would not help me in giving me any information and told me to go back to my bank. Zelle would not give me any information on who the scammers are or if they even shut them down! How can the company, Zelle, and XXXX XXXXXXXX XXXX & XXXX XXXX  no one help me. I have been scammed out of {$1400.00} and NO ONE a can give me answers. I have spoken to my local police department and it seems so hopeless. In speaking to my bank they said this is a big issue with fraudsters impersonating every step of their security protocols. BUT how are consumers suppose to know whats real and what not if the very protocols put in place to secure us are in fact not secure?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: OH

Complaint narrative:
XX/XX/XXXX XXXX XXXX aka XXXX XXXX cable services closed my cable account, I returned the cable box and delivered them to their field office. My cable bill was {$260.00} after shutting off the service, they continued to bill and added more and more dollar amounts to my account. Making my pay of past due monies owed to XXXX impossible for me to pay, now my owed amount is doubled from my billing statement, placing negative reporting on my credit report. This seems to be a practice they do to customers who can't or won't pay them what they ask. I'm a senior citizen on a fixed income, and this is effecting my credit FICO score. the information on the reporting of my past due amount is incorrect and I'm stuck with negative reviews and FICO score.

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 2021-07-23 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: FL

Complaint narrative:
To Whom it may Concern I was looking through my credit report and seen a unauthorized account on my report I then call the company and reach out to XXXX, Equifax and XXXX. XXXX  and XXXX  has already removed this from Credit report. for some reason Equifax has not removed it yet nor has they respond to any of my dispute I feel like they are ignoring me I sent out a dispute letter on XX/XX/2021, XX/XX/2021 and a demand to comply on XX/XX/2021 and till this day I still have not got a response back from Equifax. I am looking to buy a house and this is slowing up my process I do not know what else to do I am hoping you guys can help me

Company response to consumer: Closed with explanation