vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My Barclays Uber Visa card is being replaced with a Barclays Mastercard with no way of utilizing my current accumulated rewards.

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 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I noticed that Equifax is reporting one inaccurate negative item in my account from XXXX  XXXX, and three inaccurate negatives from XXXX. This is completely inaccurate. I already contacted the Credit Bureau and the Creditors regarding it but they did not give a response on this particular matter. I need your help on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On Monday XX/XX/2021 I was locked out of my coinbase wallet account. I had a secondary backup on the XXXX and the wallet application did not recognize my backup. At that point, I had roughly {$11000.00} in the wallet, and currently there is about {$50000.00}. I was in contact with coinbase support off and on for over a week until they finally told me that there was no way for them to reset my account or for me to regain access to my account. I have a lot of money in there and I just want the wallet unlocked or the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: NY

Complaint narrative:
I have a credit card with XXXX XXXX XXXX and I requested a credit line increase 0n XXXX, I was shocked when they denied me because I have excellent credit. I waited for denial letter which states they received report from transunion. All of the information is wrong I immediately called transunion, transunion rep told me XXXX has not checked my credit and that my last inquiry was in XXXX and not from XXXX XXXX. Transunion told me to call them when I called they are denying it and claim they got information from transunion. Not sure where XXXX XXXX received their information from because I have no inquiries on my Transunion report from them. The information they are providing me is completely wrong, I have NO outstanding balances on any of my credit cards, my credit rating Is exceptional and very good.

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 2021-10-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: FL

Complaint narrative:
Credit Control , LLC with an address of XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX sent a demand letter for a defaulted mortgage, Account # XXXX in the amount of {$4500.00}. 

Principal Contact for the company is XXXX XXXX, ( XXXX ) XXXX. 

All previous debts have been managed under POA with a Debt Consolidation company. All creditors were notified by the company. 

The debt is listed with an Original Creditor named XXXX XXXX  XXXX XXXX, property and casualty, XXXX # XXXX, as a description with License number XXXX sent a demand letter for a defaulted mortgage, Account # XXXX in the amount of {$4500.00}. Debt Collector advised call was recorded but did not identify as a debt collector or provide XXXX XXXX. I advised him I have never owned a home let alone a mortgage. He then began to tell me that it was not about a mortgage but other things. 

Debt collection office has an outstanding Class Action in Florida for deceptive practices and several of these deceptive practices were used. 

Collections was advised I had compliance experience and I would file with the state and Government. Stated did not care. XXXX v. Credit Control , LLC - 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 2021-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
On XX/XX/2021 Convergent OutsourcinXXXX sent me a letter saying that I owe {$150.00}, which originated from XXXX ( tv, phone, etc. ). I have never had an Optimum account in my life. My father ( same name, different middle name ) has, and he and I confirmed that the XXXX account number matched his old account. However, Convergent refuses to transfer the debt to my father 's name/Social Security number. They say it was reported under my Social Security number, so I am responsible for it. 

Neither he or I have a problem paying it, just to make it go away, but I'm afraid that if I pay it on his behalf, it will show negatively on my credit report for 7 years. I'd prefer that Convergent and XXXX take responsibility for their mistake and make a correction immediately. Neither of them are owning up to the mistake or offering a solution.

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 2021-10-22 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: DISCOVER BANK
State: NY

Complaint narrative:
I have a credit card with Discover card services and I requested a credit line increase 0n XXXX, I was shocked when they denied me because I have excellent credit. I waited for denial letter which states they received report from XXXX. All of the information is wrong I immediately called XXXX, XXXX rep told me Discover has not checked my credit and that my last inquiry was in XXXX and not from discover card. XXXX told me to call them when I called they are denying it and claim they got information from XXXX. Not sure where discover card received their information from because I have no inquiries on my XXXX report from them. The information they are providing me is completely wrong, I have NO outstanding balances on any of my credit cards, my credit rating Is exceptional and very good.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I made a deposit in XXXX in the amount of {$1600.00}. It was processed and posted. 
After 5 months, Bank of America debited my account by {$720.00}. After I tried to dispute it, they still wouldn't give me my money back. 

They kept staying there is a {$720.00} shortage of currency in my deposit.

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 2021-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A.
State: CA

Complaint narrative:
- Approved for BBVA ClearPoints card on XX/XX/2021 - Promotion offer was 18 months 0 % APR + {$100.00} credit after spending {$1500.00} - PNC bank merger occurred - In PNC dashboard, interest rate now shows as 17.24 % - Bonus has not been provided - No late/missed payments- PNC is impossible to get a hold of. They took away their chat feature and every time I am on the line for 20 minutes when it tells me " There are no consultants available for your call, good bye ''. I have also messaged on XXXX and was told to call. No locations near me. 

BBVA initial email and current PNC screenshot included as attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: We Collect Inc
State: WA

Complaint narrative:
Aprox 3 weeks ago I requested verification for this debt. They sent me a letter saying they dont have to verify this debt that there is no basis in law to substantiate my right to such information and there is no duty to comply with such excessive verification demands. 
This letter was sent on XX/XX/2021 for the amount of {$10000.00}. 
I dont understand why theyre trying to collect for a debt from me that they wont verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was a victim of Identity theft. I filed a police report, it was approved, I've sent to all three bureaus as well as creditors/collectors multiple times and nothing has been done.

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 2021-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint Mortgage Servicing This is a two-part complaint against Shellpoint Mortgage Servicing, and XXXX XXXX  XXXX XXXX for the handling of my mortgage during my forbearance from XX/XX/XXXX - XX/XX/XXXX. The first complaint is with Shellpoint Mortgage Servicing ( SMS ). On XX/XX/XXXX, I applied for a forbearance. However, my mortgage was paid in full for all previous months including XX/XX/XXXX. Although, starting XX/XX/XXXX, I was unable to make the full payment, so I called Shellpoint, Loss Mitigation Department to speak with an agent. After speaking with him for several minutes and discussing several options, the agent advised me that the best plan to fit my needs would be the forbearance with a deferment. This would allow me to place all missed mortgage payments at the end of my loan. In additional to selecting the best repayment plan, the agent asked if I could make partial payments of {$220.00} per month, and on each monthly check write the month and state for the escrow payment only. I said yes, and I agreed. I made 11 payments of {$220.00} per month and I made one payment of {$220.00}, for a total of {$2600.00}. Please see copies of all checks. 

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Now, this takes me from XX/XX/XXXX- XX/XX/XXXX. On XX/XX/XXXX, I received an email from Shellpoint, Loss Mitigation Department. I was informed that the forbearance was ending on XX/XX/XXXX, and that I needed to pay {$5700.00} to bring my loan current. If I was unable to do this, I needed to contact Shellpoint before XX/XX/XXXX. Please see email dated XX/XX/XXXX. I did not contact Shellpoint, Loss Mitigation Department until XX/XX/XXXX, to discuss my payments because I wanted to wait until I received copies of the checks that I had paid to Shellpoint in the past. I did not speak with the agent again, but I did receive a letter date XX/XX/XXXX, the letter discussed payment options. Please see letter dated XX/XX/XXXX. In XX/XX/XXXX, I made an additional payment, please see check # XXXX, {$490.00}. I paid a grand total of {$3100.00}. Also, on XX/XX/XXXX, I received a letter from Shellpoint with a breakdown of how my money was used, but this amount does not add up to what I paid. Please see letter dated XX/XX/XXXX. 

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Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I had an amazon card for several years now through synchrony bank. I have never missed a payment in the years I have had it. However there was an error on the XXXX bank end that caused my payments to my card to be returned. With no warning Synchrony closed my card. This cut my home and business off, it is the only card I have for online shopping. I called several times, hung up on, transferred, hung up again, on hold. Over and over. They continued to try to talk me into applying for a new card. I'm trying to buy a car for the family and I can not have my credit effected, specially by something that isn't my fault. I was told that if i provided proof that my bank was responsible that they would reopen my card in 30 days. I provided bank statments showing the errors and that XXXX returned the over draft fees. syncrony investigated to make sure my amazon card balance was correct, I didn't ask for that, I wanted my card reopened. They continued to ignore me and only focused on my balance. It has been several months and I keep getting the same generic messages saying why my card is closed but they will not help me reopen it. I find this whole process to be abusive and unethical.

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 2021-10-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I called and notified Equifax by phone that I had inquiries on my credit report because I believed to be fraudulent and they've sent me back their dispute findings were verified but I did not get any verification of how it was verified or something very very my signature authorizing someone to in view my credit these are fraudulent inquiries on my credit report and I don't understand how they could be verified

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
All of my stimulus checks weren't sent to an old cash app account they are not letting me access my old account or funds which are a significant amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Village Capital & Investment LLC
State: CO

Complaint narrative:
The company had sent multiple notifications of insufficient insurance to cover the home and that they would be seeking to purchase additional insurance. I have provided proof of sufficient insurance on several occasions, both in XXXX of 2021 and XXXX of 2021. As the location is a condominium/townhome the coverage requirement is divided between the HOA and the homeowner ( " XXXX XXXX XXXX '' ). Despite being told over the phone that this error would be corrected in records and no further action will be needed, multiple letters have been received threatening the purchase of this additional insurance. 

During each phone conversation with the company confirmation of the call has been requested and the homeowner has been told by the company that no such confirmations exist. Additionally, despite receiving 'Employee IDs ' and 'Interaction Numbers ' from phone calls, company representatives deny the existence of previous calls. They claim this to be " For security reasons '' which is a blatant lie under any relevant information security standard. Additionally, the coordination between organizational departments results in a days-long process of contact at unknown times which provides untenable coordination for a working adult. 

At the time of this complaint these letters are perceived as a combination of harassment and extortion as the option to refinance with another organization is prohibitively expensive to the Veteran.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I C SYSTEM reported an account I never opened with them into my collections as of 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 2021-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I have a car loan with Santander Consumer USA for a car note in the amount of XXXX monthly for a lease term up to 32 months. Moreover, I've inquired about reducing amount and has yet to receive any responses. I recently got laid off and currently is seeking a new role for work. I'm currently behind 3 months of payment and would love some assistance in holding off repossession and/or allowing me to catch up with payments through payment plan orf reduction. I am currently undergoing a new job position and scheduled for fingerprinting. Underneath, you'll find the dates that were considered missed payments. This is my family car and is asking for leverage. Thank you! 

XX/XX/2021 in the amount of XXXX to Santander Consumer USA XX/XX/2021 in the amount of XXXX to Santander Consumer USA XX/XX/XXXX, XXXX the amount of XXXX to Santander Consumer USA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP.
State: OK

Complaint narrative:
I applied with 21st mortgage for a loan on a repossessed doublewide mobile home. They are demanding 20 % down because I am XXXX  years old. 21st 's mortgage underwriter named XXXX told XXXX XXXX at XXXX XXXX XXXX XXXX that it was because of my age. XXXX XXXX XXXX XXXX says that they have got other people with my qualifications a loan through 21st with 10 % down with no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: CA

Complaint narrative:
I noticed that Transunion is reporting one inaccurate negative item in my account from XXXX  XXXX, and three inaccurate negatives from XXXX. This is completely inaccurate. I already contacted the Credit Bureau and the Creditors regarding it but they did not give a response on this particular matter. I need your help on this matter.

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 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Verisk Analytics Inc
State: FL

Complaint narrative:
Lundquist Consulting Inc. ( LCI ) reporting a wrong innacurate bankruptcy on my file an they give it to XXXX it should be there it causing me money issues pay more interest for something thats is incorrect sn should be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: VA

Complaint narrative:
A process of a payment settlement because its decrepit and no agreement could be reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have made numerous attempts to resolve this matter for the following reasons : On or about, XX/XX/2020, XXXX XXXX XXXX  issued a new credit card, which they have done every year. The balance owed on the credit card is usually transferred to the new card. There was nothing unusual about the transaction this time. The balance from the old credit card was transferred to the new account ending. 
I continued to pay my monthly bill, as usual, not suspecting that there was a problem. I received no complaints from XXXX XXXX XXXX. I never received a late notice or any notice of impending charge-off. I learned of this charge-off when I checked my credit sometime in XX/XX/2020 in preparation for refinancing my home. XXXX XXXX XXXX, continued to report that I paid my bill as agreed. I have only had one account with XXXX XXXX XXXX. I have written to the collection company in an effort to have the charge-off removed from my credit file. This mistake has cost me the ability to refinance my home as my credit score dropped 35 points. Resurgent sent me their evidence and the evidence that I do not owe the funds charged -off is evident. The transfer of the balance is evident in the paperwork.

Company response to consumer: Closed with explanation