vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: MI

Complaint narrative:
XXXX XXXX apx XXXX XXXX contacted call center. Talked to 3 employees of back card and told each of them of the 4 pending transactions that were fraudulent. 

XX/XX/21 XXXX boost mobile pending {$100.00} XX/XX/21 XXXX XXXX pending {$50.00} XX/XX//21 XXXX XXXX pending {$10.00} XX/XX/21 XXXX XXXX pending {$10.00} First employee could not start a Fraud claim. First employee could not answer my question to just reverse the charges. Second employee. Did not start a fraud claim. And could not reverse the charges. Second employee did notify me that there was other activity on my account but the funds were not there. Transferred me to a supervisor. 
Explained to the supervisor Of the four pending Charges. Also asking him to reverse the charges they did not belong to me. Put me on hold and was disconnected. 
Total Time one and a half hours. 

Approximately XXXX XXXX my account was closed. no card was ordered for me. 

XXXX XXXX XXXX XXXX  I filed a police report. 
XXXX XXXX XXXX XXXX Made several attempts to contact bank, all calls went to recording and then call ended XXXX XXXX. Contacted Social Security, They made contact with With agency to get a new card Sent to me. 
XXXX XXXX XXXX XXXX XXXX XXXX, made several attempts to call bank received the same recording where the call would end. 

XXXX XXXX. Receive my new card to activate. New card entered into the phone customer service Now answers. Per Regulation E, Reported Fraud within 24 hours, bank did not-start a fraud claim until XXXX XXXX. As requested by bank to expedite, send fax per bank. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Faxed several times, no response. 

XXXX XXXX contacted bank gave me new fax number. 

XXXX XXXX XXXX XXXX, now 2 faxes attempting several times on automated re-fax. No response. 

XXXX XXXX received fraud claim in mail. 

XXXX XXXX. Three Separate faxes all went through including fraud claim, asking for an explanation of why claim was not started on XXXX XXXX. 

Today XXXX XXXX, 19 days after fraud still no provisional credit on my account. No call back or text sent from bank about fraud investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: VA

Complaint narrative:
This account on my credit report should be removed as soon as possible I did not authorize anybody to sign me up for this account this account is fraudulent activity if this doesnt get resolved as soon as possible I will use legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened a checking account with Chase Bank in XXXX. There is not supposed to be a monthly service fee if I meet certain criteria including " have electronic deposits made into this account totalling {$500.00} or more ... '' during the statement period. This has been done every month and for the first 2 months there was no fee charged. However, on the latest period ending XXXX XXXX, I was charged a {$12.00} fee even though {$1300.00} in electronic deposits was made. I called Chase Customer Service to complain and was told that the 2 deposits made by transferring funds from accounts I have with other banks were not electronic deposits. That obviously not true, these were electronic deposits. Hence I should not have been charged the {$12.00} fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CORELOGIC INC
State: IN

Complaint narrative:
My XXXX app says my score is XXXX. I go to a dealer, who runs a score through Credco, and they send my score back as XXXX through XXXX. I go online and get my XXXX score from them at XXXX, AFTER the dealer ran 4 scores ( I told them 1 or 2 max ) I called Credco to find out the discrepancy. She says they use a FICO score 5 and that's sometimes harder. Sends me to XXXX, I paid {$35.00} or so to see my XXXX report there and it STILL says a score 5 is either XXXX XXXX. I understand that different types of loans look at different things to decide whether or not to lend you money, but if they are telling you to go here and use this score number and it isn't what they sent, something is wrong. It cost me a few extra hard hits on my credit and a couple of percentage points in interest! Plus the {$35.00} to still be confused!!!

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 2021-03-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
ON XX/XX/XXXX a loan of {$10000.00} was approved by Loanme. ON XX/XX/XXXX a payment of {$500.00} was made.Subseqently monthly payments of $ XXXX were made without interruptions for 49 months until XX/XX/XXXX when I could no longer pay. Along the way repeated attempts to find out the payoff amounts were stonewalled, until3 XX/XX/XXXX when I was told to my shock that I still owed them {$10000.00} at which point I knew I could no longer continue paying them. Besides the pandemic eliminated any means of me meeting the bottomless obligation. The company was relentless in making harassing texts and phone calls besides threatening impending legal action.I need much needed help .from your agency to help me get out of this stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I settled my balance with Capital One on XX/XX/XXXX. The balance was : {$11000.00} and the settlement amount was {$3600.00}. The confirmation number for this settlement is # XXXX. This amount was withdrawn from my bank account on XX/XX/XXXX. ( see attached letter ). After that Capital One claimed I still owed them the unpaid balance of {$7800.00}, even though case was settled in FULL. I called Capital One to confirm our settlement, but they referred me to the law firm listed below, saying I need to talk to them. Which I did and then they sent me back to Capital One. Basically getting the runaround from both companies. 
On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX, XXXX informing me that a lawsuit was filed against me in XXXX Supreme Court. Capital One is attempting to collect this debt. This lawsuit is having a negative impact on my credit and is causing me tremendous financial hardship and stress. I did my part and settled my FULL balance as per agreed settlement with Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I had a {$960000.00} mortgage from XXXX XXXX XXXX XXXX ( XXXX Michigan ). My ex-wife was awarded the mortgaged building and assumed the mortgage in the judgment of divorce. I obtained a Modification of Mortgage indicating that I was no longer on the mortgage - which was recorded with the XXXX County Register of Deeds. The mortgage was not removed from my credit record, and in XX/XX/2020, I submitted a dispute with Experian, XXXX and XXXX - submitting a copy of the recorded Modification to each agency. XXXX and XXXX removed the credit item - experian did not. I called them to try to get it corrected - got nowhere. I called again this morning, and had them tell me that I had not submitted the document to them in my original dispute. Based upon that, I have attempted to submit it to them via the myexperian.com/upload site. the site indicated that I had timed out - on three occasions. It refused to accept the pdf copy another two. I have sent them a copy with all of the several documents required by way of US Mail. I anticipate it getting lost. And then my credit score was reduced by 17 points within an hour of my attempting to address the dispute. Not nice.

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 2021-03-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: VA

Complaint narrative:
i took out a payday 7yrs ago and it was for XXXX and now they want XXXX and they are harassing me and making threats they call everyday with threats about taking me to court and im on a fixed income and i told them that they want this money. and now they are threating me. i dont know want to do. im afraid of them and i have XXXX XXXX and i cant deal with them i need ur help to stop the harassment and threats. in XXXX the virginia attorney XXXX XXXX  saying he sued allied cash advance for alleging it violated state consumer protection and it was in the daily press. if i have to pay this money i wont beable to live i have a mortage bills and i dont get enough money to even live on. and the lost there payday license in XXXX i dont have a case number never got anything in writing from them no bill no account number nothing and i dont have a lawyer to fight them i cant afford one so please help me with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I applied for a loan online @ Speedy cash on the XXXX of XX/XX/2021 in the amount of {$750.00}, the 1st payment of {$210.00} was withdrawn from my account on XX/XX/2021, I called the company today to get the payoff amount today, and I was told that the payoff amount was {$960.00}. I asked how in the world could the loan payoff be {$960.00} after less than a month of the loan after a payment of {$210.00} and the Customerservice representative start trying to explain a bunch of garbage that still didnt make sense, especially since the phone connection was very bad, I clearly didnt expect this when I took out the loan. Please check into their loan practices, because this should not be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I came to the Wells Fargo establishment in XXXX. Store location XXXX. The service manager XXXX XXXX XXXX XXXX XXXX refuses to give me my money. 

I arrived to the bank the first time to withdraw {$3500.00} and she XXXX XXXX XXXX XXXX said I needed my drivers license I used to open my account ; even though I had my ID with the same address on it. Ive also withdrawn money using my ID previously. 

I went home and came back stood in the long line with the appropriate credentials ; I was called by a gentleman teller who just started his shift because I was in the long line outside when he walked into the bank. 

He told him my request and he was assisting me. I filled out my deposit slip and passed it to him and as He was typing : She XXXX XXXX XXXX XXXX said something to him then told me : that since I didnt fill out some papers that the bank sent me in the mail ( that Ive never gotten ; nor seen ) she didnt even show me, nor offer to get the form for me to see. That I couldnt take out any money from the bank. Bank policy. 

I asked Whats The Policy? She told me you can Only Get Money from the ATM outside. Ive never felt more disrespected in my life. Why? What policy? 



And for the money to be held ; holding me up from my conducting my family business XXXX XXXX XXXX XXXX. is horrible. We have to pay a car off that comes with late fees if it doesnt get purchased within a short time period or potentially lose the car totally. 

I feel violated of some many levels as a man who does good business I like to keep those same ties as this is a new venture that is being ruined on their behalf. 

I felt like I was prejudiced. Treated unprofessionally and stereotyped by the service managers personal beliefs over the consistute over the rules that govern the bank as I expressed my dire need of the funds to conduct major business for my family company. But this is my second trust issue with the bank which is why I changed my direct deposit from them prior to this. 

But to be denied my funds To Run my familys company and conduct my day to day business as a small business owner is vital. But I asked to be treated with decency when I come into the bank in my pajamas before I get dressed for the day. 
As I get treated when I come into the bank with my clothes on. Thats fair, professional, trusted, leading business as opposed to bias based assumptions that cripple small businesses to paperwork!!! 

I would definitely like this bank to compensate me for all lost damages and time and treat me as a valued customer with respect and decency. They made me raise my voice in public to ask a question.

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 2021-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
On XX/XX/2020 a collection account was placed on my Transunion, XXXX and XXXX  credit reports. I contacted all three credit bureaus for verification and also the collection agency XXXX XXXX XXXX XXXX XXXX about the debt, in return the collection agency sent a list of my medical procedures which they did not have permission to have, nor did they provide a HIPAA release form. Which was a violation of my HIPAA rights, I sent a second letter to the three credit bureaus and the debt collector to notify them of the HIPAA violation, and all three bureaus have past the FCRA 30 day window. Thank your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: MI

Complaint narrative:
There is a balance from XXXX on my credit report that has been paid to the debt collection agency XXXX XXXX. The balance reported on my credit report was {$770.00}, however the amount I paid is {$270.00} ( not including a {$2.00} processing fee ). However, it is in violation of several FCRA statutes. The items I cite as being violations of the FCRA are : posting a higher balance than the collections representative had me pay, no date of first delinquency reported as required by FCRA 623 ( a ) ( 5 ) ( a ), not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections that prohibit deletion.

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 2021-03-17 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: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIRST ADVANTAGE CORPORATION
State: MO

Complaint narrative:
XX/XX/21 I placed an online order w/ XXXX  for a birth certificate. The birth certificate is to come from AR XXXX XXXX XXXX XXXX. XXXX # XXXX, I received an email that shows my order shipped XX/XX/21. Per XXXX email, timeframe is 3-7 days. I never received the order. I sent multiple emails. 

I placed another order for the same birth certificate on XX/XX/21, Order XXXX. I received an email notifying me that my order shipped XX/XX/21. After sometime of me NOT receiving this order either, I sent emails. I eventually received a response advising me to contact Arkansas XXXX XXXX at XXXX. 

I called the number and I was informed its the incorrect number to be calling, they dont know why that number is being given to the public. The young lady then provided me a different number XXXX. I have called that number and I keep getting transferred to someones voicemail by the name of XXXX XXXX, her mailbox is full. 

At this point. I just want a FULL REFUND. $ XXXX for each order placed. These are not the only orders I placed. I had one other order BETWEEN these & I received it withing the timeframe of 3-7 days. So what is happening each time I place an order for my mothers birth certificate that I am receiving a notification that it shipped and I dont believe it ever shipped. I would have it by now. I got my other order. Thats {$46.00} Im out of now. I want my refund please and thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Amex customer service was very unhelpful on XX/XX/XXXX and today XXXX XXXX, I tried to restored my credit limit that was decreased from XXXX to XXXX due to a " credit review '', I called to see if the notes they made in janurary were in good standing but no they said it end XX/XX/XXXX and there was no possible way for them to override it, when we all know that's XXXX, they wanted mutlipe of other docs but I shouldn't have to do that when I been with them for over 5 yrs

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have called numerous times about unauthorized inquiries and to get the removed. I also found that my information was shared in the XXXX EQUIFAX DATA BREACH. The account referenced is as below. 

Equifax XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
I attempted to withdraw my funds from Coinbase of {$320.00} and after 10 days they have not submitted the funds to my bank account nor are they available to speak to. The only responses I have gotten from them are via email where they claim " we are looking into it ''. Apparently Coinbase has done this to thousands of people now. How are they allowed to continue operating?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: MS

Complaint narrative:
XXXX accepted a check without proper identification and an improper last name. Now, they want me to pay for their mistake. I have never had a XXXX XXXX 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 explanation
Consumer complaint received 2021-03-17 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: OH

Complaint narrative:
This is a general complaint on how credit reporting works. I understand if I have a 30, 60, 90, 120 day late and charge-off with a creditor that my credit should be effected in a negative manner. I can even understand my credit being impacted by selling to ONE collection agency. It seems very unfair however, that every time the debt is sold to a different collection agency my credit scored go down. If I was unable to pay the debt to the original creditor I am not going to be able to pay with all the new collection charges. My credit will NEVER recover. This takes money out of the economy. People are unable to get mortgages, cars or any other credit because of the numerous reporting of a single account. The scoring needs to change. Score the original debt and even the first collection but after that the debt should stop affecting your credit. Let them collect and go through the court process. Seems like people don't get due process on debts. A {$500.00} debt can become a lifetime anchor.

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