vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
PayPal has told me that I have a revolving line of credit with them and have been taking {$200.00} from my checking account each month. PayPal has blocked my access to their account portal preventing me from early payoff, terms and conditions, APR, etc. They have refused to tell me what charges have been made and have made it nearly impossible to access anyone there via phone or support. I cant change the amount I pay them each month, see any statements, or access anything from them.

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 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Southwest Mediation Service
State: FL

Complaint narrative:
I got a call from this number XXXX at XXXX on Tuesday XX/XX/2021 from an XXXX XXXX XXXX to be a lawyer from Soutwest Mediation Services XXXX She asked to speak to me using my maiden name, and said I owe over {$2000.00} for a magazine subscription from years ago. ( I have never signed up for a magazine subscription! ) She said the company are threatening to sue me and damage my credit, but that she managed to get the fees down to {$310.00}. She asked to email me the payment document but did not have my email on file, and asked to clarify my current address. I asked why she didn't have my email on file if people had been trying to collect money from me and she couldn't give me an answer. I have seen many reports online of the same story from the same company, hopefully you can shut this down!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Profit Services Group
State: GA

Complaint narrative:
To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

{ Creditor/Collection Agency } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights . I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This account is reporting late as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 
CAPITAL ONE BANK XXXX ***** Opened XX/XX/2010 Balance {$1300.00} // Late Open CAPITAL ONE ***** Opened XX/XX/2010 Balance {$1300.00} // Late Open

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Resurgent Receivables has been contacting me the CONSUMER, NATURAL PERSON, & ORIGINAL CREDITOR about an alleged debt that I do not owe. They have been reporting that I owe this alleged debt to all 3 major bureaus ( XXXX, XXXX, XXXX ), This is false and misleading information according to 15 USC 1692b ( 2 ) : " Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- not state that such consumer owes any deb. '' They are also trying to collect on an alleged debt that they don't even have the proper certification to collect in the state of Texas. Also under 15 USC 1692e ( 8 ) : " Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. '' I would like for these accounts deleted from all 3 major bureaus ( XXXX, XXXX, XXXX ) and all secondary bureaus they are reporting too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: EQUIFAX, INC.
State: RI

Complaint narrative:
To whom it may concern, XXXX My name is XXXX XXXX the above is my account number for XXXX XXXX through XXXX XXXX  I have paid this account every month since Ive had it my about 5 months. My original credit limit was {$8000.00}, I used XXXX. The month of XXXX I made a payment in the beginning of the month I usually make two payments a month. I had a problem with my bank when the extra second payment was taken out, It did not go through, however I had already made a payment at the beginning of the month. Your company took away my {$8000.00} credit limit, changed it to {$600.00} total limit and my balance is {$720.00}. Im extremely upset about this because it dropped my credit by 24 points in less than 10 days hurting my credit reporting. I am now over my limit and my ratio is 100 % plus. I did not miss a payment the second payment didnt go through. I was told by XXXX XXXX XXXX that I would have to have my credit reran again. I am in the middle of refining my house and I do not want my credit pulled nor do I want this to affect my credit and it will, simply because you now lowered my credit utilization ratio. All of this happened within a nine days. I am requesting that you change my credit limit back to the {$8000.00}. I have paid every single month even this month it was the second payment. Please respond to me either via email or XXXX. 
This matter is extremely urgent because I am in the middle of a refi please call me as soon as possible. 

Sincerely, XXXX XXXX Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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 HAVE A COLLECTION ACCOUNT SHOWING ON MY CREDIT REPORT THAT NEEDS TO GET DELETED BECAUSE IT WAS PART OF MY IDENTITY THEFT CASE A FEW YEARS AGO.

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 2021-11-09 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 HAVE A COLLECTION ACCOUNT SHOWING ON MY CREDIT REPORT THAT NEEDS TO GET DELETED BECAUSE IT WAS PART OF MY IDENTITY THEFT CASE A FEW YEARS AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: TX

Complaint narrative:
I was unable to make payments to my Sallie Mae student loan due to insufficient funds during the middle of COVID. I had no job, and my unemployment was XXXX  $ / week and I couldn't even afford to eat and Sallie Mae told me they would give me 1 month of forbearance and that's all!

My credit score dropped to a XXXX and I've been struggling to increase it but I have a 90 day on my credit report, and no matter how many times I try to dispute this multiple times and still no success.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi bank put an add the if you open a new account and deposit money with them, you will be getting a sign on bonus. It is total fraud. They take money and then close the account, will tell you that they can't give your money back. It takes 2 hours to connect to an agent. After spending 10 hours talking to 5 different agents. I have still not got my money back. Forget about the bonus money.

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 2021-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: VA

Complaint narrative:
I raised this in Complaint # XXXX ; however, the company wholly ignored this issue. I am now forced to file a new complaint because CFPB closed that complaint. 

I have been working with FedLoans ( PHEAA ) to get several monthly payments counted as qualifying payments towards PSLF for several years : In XX/XX/XXXX, I requested that my then-current loan servicer, XXXX XXXX, apply a loan interest reduction under the Servicemembers Civil Relief Act ( SCRA ) since I was serving on XXXX XXXX in the XXXX XXXX XXXX XXXX 

In that letter, I specifically stated that I did not want to enter into a military forbearance. However, XXXX XXXX placed me into a military forbearance against my wishes. This caused my loans to be in a military forbearance from XX/XX/XXXX through XX/XX/XXXX. ( More info below ). In XX/XX/XXXX, my loans were transferred to XXXX XXXX. In XX/XX/XXXX, I worked with XXXX XXXX to correct its mistake. XXXX XXXX requested that the Military Forbearance be removed from my account and that the $ XXXX/month XXXX  payments be counted toward PSLF. 

Finally, in XX/XX/XXXX, FedLoans removed the military forbearance for the period of XX/XX/XXXX through XX/XX/XXXX. As a result, my qualifying payments were recalculated to include XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to count toward PSLF. 

However, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were not counted as qualifying payments even though those were still {$0.00} XXXX  payments. I made several inquiries about why those three months were not counted, and I have never received an update. I have contacted FedLoans about this issue with no resolution. 

I supplied copies of the paper work from XXXX XXXX to XXXX XXXX in that complaint. I then contacted the FedLoans Ombudsman after hearing nothing. I still have heard nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09 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: LA

Complaint narrative:
Equifax Credit Bureau, I submitted a dispute because there is a collection account on my credit file - XXXX XXXX XXXX account number XXXX does not belong to me and the response I received was that it was verified although I told them in the dispute report that this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of Inquiry XX/XX/2020 XXXX Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
Santander Consumer USA has closed my complaint out and I dont not agree with this action they have in fact discouraged me the consumer I also dont agree with the unlawful adverse actions taken against me the consumer during this consumer credit transaction Santander Consumer USA has in fact deliberately stalked, harassed, and invaded my privacy by using unlawful Gps tracking devices and by having non affiliated persons track my exact geographical location these individuals are not in any type of tow truck vehicles and dont have any business decals on these vehicles they can be seen in regular cars scanning license plates these individuals dont have any license to tow vehicles these individuals are in regular cars driving around following consumers home without any type of search warrants without consent from the consumer without informing the consumer without real proper tow truck vehicles and without a business license required by the United States also police reports and identity theft reports have been filed in Tennessee and Texas for these unlawful individual actions and for breaking state privacy laws in two or more states

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I attempted to schedule an external transfer from my Chase Business Complete checking account into my XXXX XXXX checking account. The payment was reversed when the balance was sufficient. It was reversed due to Chase, not due to XXXX XXXX, because they could not verify my transfer. It was my own money, and Im not sure what more verification is needed. I didnt get a text, email, etc, and the payment was just returned to Chase . I have since fixed this issue. However, due to Chase not verifying my information properly, I received 4x {$35.00} overdraft fees on my XXXX XXXX account. This is not XXXX XXXX issue, and it is Chases for not properly allowing the transaction to go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
this link shows the details ( XX/XX/2021 ) : XXXX Ether : https : XXXX I had a transaction that failed but I still had my money removed from my wallet and never refunded, was looking to get that back please. I reached out the COINBASE but they said I need to talk with UNISWAP, getting the runaround ... XXXX doesn't answer e-mails, COINBASE just points the finger to someone else. .04 Ether was removed from my COINBASE wallet but the " trade '' was never completed yet my money was removed. can you help me?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Penn Credit Corporation
State: CA

Complaint narrative:
This company ( Penn Collection ) has been calling my number for several months. At some point in the past they woke me up before XXXX with their call and I answered. They asked for a specific person but I don't know who this is. I've never heard of them. I told them I don't know them and they thanked me and said they'd update their records. Weeks later the calls resumed. I'm still receiving them and almost always before XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have had this particular account with Capital One since XX/XX/XXXX and have been making payments out of my XXXX XXXX  personal checking account since that time. In XX/XX/XXXX, Capital One put a restriction on my card and required that I either A. sit on the phone and wait for 2 hours until XXXX XXXX  could verify my account is actually mine or B. get a copy of my statement with a full account number on it, which XXXX does not provide. I have not made a purchase on that card since XX/XX/XXXX. I called numerous times to try to rectify the situation and sent them a statement not realizing it was not what they wanted and since my account was restricted, I did not realize I would be able to make a payment until after the due date. I paid the account in full on XX/XX/XXXX. They then charged me a late fee and interest and the supervisor I spoke with said she would get rid of the late fee. Since I paid it in full, I did not realize there was any type of balance on the account. Every month since XXXX, I have been getting charged interest on purchases and late fees even though I have not made a purchase since XXXX. They reported me late on these bogus interest charges in XXXX, which is my main concern, and refuse to fix it because my account is restricted. They also will not tell me why my account is restricted, other than the fact that I make payments both online on my computer and via the mobile app.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
My complaint is against Discover Financial Services. On XX/XX/2021 I opened a checking account with DFS. At the time of opening the account I did a mobile check deposit of {$10000.00}. On the morning of XX/XX/XXXX I tried logging into my account and found that it was locked. I called DFS and got it all cleared up and I once again had access to the account. A few hours later, in the early afternoon on the XX/XX/XXXXt I received a message to contact DFS immediately concerning my account. I called them and they told me that they closed my account. They gave me no explanation as to why but I didn't have a problem with it until the following day. On the following day, XX/XX/XXXX, I received yet another message from DFS stating that my mobile check deposit had posted to my account. I was very surprised as to how they can post funds to a " closed '' account. Once again I call DFS to ask what needed to be done for me to access my funds. They informed me that I would not have access to my funds until they were done with their investigation, which would take anywhere from 60-90 days. 

This is insane!!! How XXXX  XXXX do you close my account. After it's " closed, '' you accept my deposit and place my {$10000.00} into a " closed '' account and then tell me I have no access to my funds for the next 60-90 days.

I believe Discover Financial Services is intentionally holding my funds hostage for 60-90 days for their own personal gain/profit. This way they would not have to pay me any interest while they do whatever they want with MY money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
Santander took and sold my car against my will in XXXX. I've reached out several times to see who it was sold to and how much it was sold for. I've never received the proper disclosures pursuant 16 cfr 433.1. I do not agree.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
In a summary, an Amazon account was opened in my name in late XXXX and I disputed it. In XX/XX/XXXX all of my accounts ( Belk, Lowe 's, XXXX XXXX, Ashley furniture ) with synchrony bank that were all in great standing were all closed without explanation. After pulling my credit report I discovered Amazon was on my credit as delinquent and contacted them in which a representative stated the account was delinquent and that was the reason for my other accounts being closed. I had to open another fraud case with synchrony and XXXX. The account was deemed fraudulent and dismissed around XX/XX/XXXX, but for the last 2 months I have been receiving bills from synchrony. I contacted XXXX  and they stated the account was deleted and recommend filing a complaint.

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