vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
I started an express transfer on XX/XX/2020, and the money was supposed to reach its destination by XX/XX/XXXX. I called their customer line on XX/XX/XXXX and XX/XX/XXXX, and each time they asked me for personal, sensitive private information ( bank statements ). After complying with their requests, they assured me each time that their partner bank had approved the information and that the money would be deposited in the recipient 's account after 2-4 hours. Money is still not available after a week. 

Starting from Friday XX/XX/XXXX, they have stopped answering calls, emails and chat. On their help page they specify to call if a pending transfer has issues, but lines only have a pre-recorded message to use their help page. Even their twitter account stopped responding since Friday.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: NJ

Complaint narrative:
I, XXXX XXXX, recently received a collection letter from PHOENIX FINANCIAL SERVICES, trying to collect on an alleged debt that does not belong to me, I do not know anything about this debt, I have no idea how I could be receiving this if I never had anything to do with it. I depose and say I have ascertained all the facts and have no other reason but to believe that I am a victim of Identity Theft. The below account that does not belong to me : PHOENIX FINANCIAL SERVICES with an alleged REFERENCE # : XXXX alleged balance of {$2000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I was contacted by XXXX XX/XX/XXXX to look at my chimney for cleaning. When the representative came out on XX/XX/18 it was discussed what was needed and I signed a contract and gave payment in full prior to any work because they have been scammed in the past by customers not paying. The representative was suppose to come out 2 days later to do the job but did not show, I called the company and they reassured me someone would come out the next day. Again, no call no show. After multiple chances of the contractor not coming out, I called my credit card company Citi to dispute the charge and initially the removed the charge from my bill while they investigated. During the investigation they asked for documentation and even an estimate from another company which I had to pay for to show the work was not completed by the first contacted company, XXXX XXXX XXXX XXXX. XX/XX/XXXX, receive an email from Citi that my case is resolved and to reach out to the merchant to resolve. I called Citis disputes department and the representative tells me there is nothing for me to do and the investigators are working to retrieve funds from the merchant and that I should wait for 5-7 business days for resolution. I call Citi back on the XXXX of XXXX for the status on my dispute and they state its for me to contact the merchant for reimbursement and that it. I was totally shocked, the card I have used for millions of purchases threw the it on me to resolve with a company I can not contact and Im stuck with a {$1800.00} and my chimney still not fixed. Never use XXXX XXXX XXXX   XXXX/ XXXX XXXX  XXXX XXXX NY ( parent company ) because they are scammers. In addition, Citi Card is  terrible in customer service in resolving disputes, I have other cards and I have never been treated this way in resolving disputes. I will definitely cancel this card and would encourage to use any these businesses.

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 2020-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Im a victim of identity theft someone got my XXXX XXXX card and used it, when I first noticed it I called the company and let them know what had happened, they closed the account and sent me a new card. And up to this day theyre still asking me to pay for something I didnt used.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
Perp opened multiple accounts in my name most likely without any type of identification as my name was incorrect and bank was unwilling to assert that there was any type of ID to open the account. Perp also instantly overdrew on these accounts. Bank should have caught this activity as odd. Case # XXXX with the bank

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 2020-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TN

Complaint narrative:
Great Lakes Student Lending XX/XX/2020 I sent email to complaint department about Billings and telling them they are emailing me past due notice and telling me Im past due for future payments. I again called today and spoke to XXXX in customer service and she filed more information. I have faithfully paid this over many years and the billing is stressful because its very threatening and its against the FDCPA to tell me Im past due when Im not due. I have paid from over $ 50k down to $ XXXX and this is a clear violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

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 2020-03-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Im a victim of identity theft someone got my XXXX  card and used it, when I first noticed it I called the company and let them know what had happened, they closed the account and sent me a new card. And up to this day theyre still asking me to pay for something I didnt used.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK
State: CA

Complaint narrative:
( Related to XXXX-XXXX-XXXX  # XXXX & FTC XXXX with XXXX & FTC XXXX with XXXX  ) On XXXX, Discover approved COMPLAINTANT 'S credit line application that was pre-approved. After that, COMPLAINTANT has put in a separate application for a checking account. SSN, Passport, Driver 's license, and utility bills were all uploaded for each application. However on XXXX, when COMPLAINTANT called Discover, its representatives and COMPLAINTANT had the calls disconnected for 8 times until 9th and 10th calls went through. ( After each time COMPLAINTANT stated his SSN, DOB and address, calls were suddenly disconnected ). Later on there was an error on the application which required COMPLAINTANT to put in another application to successfully generate a check account. On XXXX around XXXX XXXX  PST, COMPLAINTANT attempted to setup a XXXX profile within Discover banking website. COMPLAINTANT is a user of XXXX cellular tower in the area via mobile-virtual-network-operator " XXXX XXXX. '' Discover uses SMS number XXXX to send temporary passcode to its users. However, from XXXX to XXXX XXXX, COMPLAINANT has experienced delays in receiving these codes via SMS text or emails. Sudden surge of text messages within 2 second span of time clearly shows that some other factors were preventing these messages/calls from going through. This has been a recurring issue and COMPLAINANT has corresponded with " XXXX XXXX '' around XXXX and its representative has indicated that there's no widespread issues with XXXX  cell-tower affecting other users in COMPLAINTANT 's area nor in general. " XXXX  XXXX '' indicates that this is possibly due to usage of " femtocell '' or cellular network / IMSI catcher/ etc in COMPLAINT 's neighborhood area as no issue is reported with XXXX network nor " XXXX XXXX '' customers in general. On a different note, COMPLAINTANT has reached out to Discover on XXXX at XXXX XXXX for XXXX XXXX/XXXX issue. Its debit card remains on XXXX XXXX XXXX/XXXX  system yet credit card was not being added to XXXX XXXX system. Discover representative has blamed XXXX for refusing to allow its card on its system. COMPLAINTANT wonders how many of Discover or XXXX XXXX customers have their credit cards not be added on XXXX XXXX system. On XXXX XXXX, COMPLAINTANT has emailed Discover per its request for investigating this issue further.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
Hi, I have entered into a loan contract with NewRez LLC to refinance my mortgage. The loan number is XXXX and the agents handling my loan are XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ). 

On XX/XX/XXXX at XXXX XXXX  Mr. XXXX and I discussed the loan over the phone and agreed on the terms. In that call Mr. XXXX informed me that the requirement to conduct an appraisal had been " waived '' and that the loan was ready to proceed. 

On XX/XX/XXXX I received an email from XXXX XXXX indicating that my loan has been approved. Upon emailing Mr. XXXX of the good news, he informed me that Ms. XXXX would be handling the closing from here on. 

I attempted to contact Ms. XXXX several times between XX/XX/XXXX and XX/XX/XXXX to discuss the closing process. The attached log shows the calls. 

On XX/XX/XXXX I received the closing disclosure, which described the final loan terms and closing costs. On XX/XX/XXXX ( today ) my wife and I signed the closing disclosure. 

On XX/XX/XXXX Mr. XXXX informed be that despite being provided with the final loan terms and closing costs, and although having signed an agreement to proceed with closing, that now NewRez needs an appraisal. Conducting an appraisal at this point will impact the loan terms and closing costs, which were already finalized. 

Mr XXXX informed me via email ( attached ) that the firms to which he intends to sell the loan to are requesting the appraisal and it is out of his hands. 

I would like the CFPB to compel NewRez to honor the loan agreement that they offered and I signed and commence with closing. It is not my concern as a borrower if the resale market for my loan has changed and NewRez wants to change the terms as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a compliant a few years ago and these accounts just showed up again that are not mine.

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 2020-03-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a compliant a few years ago and these accounts just showed up again that are not mine.

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 2020-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Timeline below ... 

- XX/XX/XXXX Fraudulent Charge {$520.00} from XXXX XXXX XXXX ( XXXX XXXX ). I was never in the XXXX XXXX or purchased anything from there. 

- XX/XX/XXXX Reached out to Barclay 's via phone ( they may have the call recorded ). I told them everything and they said to fax in the statement or mail it in which I did. They said it may take a  month or two to correct since it was over a year old but nothing was ever done. They gave me a case number XXXX. 

- XX/XX/XXXX - Resent fax - No response from Barclay 's - XX/XX/XXXX - I called back their fraud department and they said they never received the fax - XX/XX/XXXX - Sent another fax - No response from Barclay 's - XX/XX/XXXX - Mailed in a physical copy ... again no response. 

Since then I've reach out multiple times via phone and secure message on their website in my portal asking what is going on. They can't ever give me a straight answer and just keep telling me to either fax them or mail them which I've already done on multiple occasions. I know I am not the only one having trouble receiving reimbursement for fraudulent charges. I even had to close a previous card with them due to fraudulent charges.

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 2020-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TCF NATIONAL BANK
State: PR

Complaint narrative:
To whom it may concern, Today, someone fraudulently took over my business email account, instructing my administrator to transfer {$48000.00} to an account in TCF Bank. The fraudster used by email address and my name to provide these instructions. Thankfully, my administrator validated this information before proceeding. I called TCF Bank and they communicated that they did not have access to investigate this claim. The bank account information is presented below. 

BANK NAME : TCF BANK ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX SWIFT CODE : XXXX BANK ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX BENEFICIARY ADDRESS:XXXX XXXX XXXX XXXX XXXX IL XXXX Please, advice as to what additional measures I can take to protect my financial accounts from this fraudulent activity. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MI

Complaint narrative:
I had an account that I was always current on until unforeseen circumstances happened. I then kept paying even though I am on limited income due to being taken off work and ongoing debilitating medical issues of my own. My husband is XXXX XXXX   XXXX veteran and civilian and we do not need the harassment. I made the mistake of ordering family items from this account who promised to help me pay down the debt however they did not. I lost my mom and had to also assume her financial things. I continually kept the company abreast of what was going on because I had always been current. I VOLUNTARILY closed the account and continued to pay The last few months I have been having ongoing medial issues and not been able to pay my usual payment but will be resuming that as I can. I had one collection agency contacting me about this debt, then another even though when I sent payments directly to the company they still cash them-it says right on the cashed check. I want the collection companies to stop threatening me and my family, who are on limited low income of disablility, with a judgement. My credit report says that the debt was written off and the company no longer collects but they do cash the checks for the debt but they do not update my credit report of the payments to help me, just take the money, say they are going through a collection agency and not report my payments so it looks like on my credit report that I have not paid in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX Regions deleted from XXXX  & XXXX  credit reports Long term Good Credit Never Late Paid Early {$50000.00} Mortgage Loan information IN RETAILATION TO MY ID THEFT REPORT XX/XX/XXXX OF REGIONS CREDITCARD.

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 2020-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
We closed our Capital One account a few months ago after the general public learned they had been hacked. The company had no problem doing this. For the past couple of months we have been unable to access our account online but Capital One is still taking money from our checking account on a monthly basis since we did set up auto pay. The last payment was withdrawn on XX/XX/2020. We did not receive either a statement or a notice that the payment was made. We called Cap One today XX/XX/XXXX-20 beginning at XXXX and after being transferred 3 times and almost 2 hours later we were cut off and no resolution to our problem took place. 
Our first call ( after a 10 minute wait ) was answered by XXXX who stated she could only do verifications and transferred us to another person ( after a 20 minute wait ) named XXXX or XXXX or something like that. She had a heavy accent. After several times trying to understand our problem she said she couldn't help because the account is closed and we were transferred to another place. After a 1 hour hold we were cut off without speaking to anyone. 
We are frustrated and feel ripped off that we are not able to see our account but yet they are taking our money. 
We aren't sure if Capital One is practicing fraud, deception or just plain bad business but we want online access and out of this card completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eagle Accounts Group, Inc.
State: TX

Complaint narrative:
CHILD SUPPORT PAYMENTS ... ... OAG CHILD SUPPORT ENFORE IS ON MY CREDIT REPORTS ... ... THESE ARE NOT MINE PLEASE HELP ... credit scores are in bad shape due to this being on my accounts .... there 10 's of thousands XXXX XXXX IN TEXAS ... PLEASE HAVE THESE DELETED .... THANK YOU

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 2020-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im a victim of identity theft someone got my XXXX  card and used it, when I first noticed it I called the company and let them know what had happened, they closed the account and sent me a new card. And up to this day theyre still asking me to pay for something I didnt used.

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 2020-03-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im a victim of identity theft someone got my XXXX  card and used it, when I first noticed it I called the company and let them know what had happened, they closed the account and sent me a new card. And up to this day theyre still asking me to pay for something I didnt used.

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