vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America through their Attorneys obtained wrongful judgement against me on XX/XX/XXXX - XXXX for {$19000.00} I appeared Pro Se and the presiding Judge XXXX XXXX XXXX ruled for Bank of America without careful examination of the evidence and the paper work presented by Bank of America. I was therefore denied legal process and totally ignored merely based on the shoddy evidence entered by Bank of America and their Attorney. Bank of America and their Attorney failed to demonstrate debt validation pursuant to the Fair Debt Collection Practices Act 15 USC1692g Sec 809 ( b ). 

Bank of America and their Attorney presented the front side of a signature card dated XX/XX/XXXX - XXXX as evidence. The terms and conditions on the backside were missing. 
And no credit card agreement. Bank of America billing statements of prior periods before XX/XX/XXXX - XXXX were missing. Bank of America billing statements from XX/XX/XXXX - XX/XX/XXXX were also missing from the evidence. I had no way to calculate the true dollar amount of the debt.

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 2020-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
On XX/XX/20, I received a phone call At XXXX from a number saying it was from XXXX Fl. I was in a meeting and could not take the call. My parents contacted me shortly after stating XXXX XXXX XXXX called them at XXXX asking for my phone number. 

My father has XXXX XXXX and is receiving treatment from XXXX XXXX XXXX. I attend most of his appointments and have been applying for assistance to various organizations for his medical expenses. I expected the call the be in reference to that and attempted to return the call today, XX/XX/20. 

The call was not answered as XXXX  XXXX XXXX  ( which uses a XXXX  Fl Number also ) so I asked the name of the company. The ladys phone kept cutting out so I asked several times and the best I could gather was Diversified adjustments. After telling the person to never call again, to my parents or to me, and to remove me from their list, I hung up. 

I then went online to try to research to find out the type of business. It appears they are a collection agency, but I could have the wrong business name. To the best of my knowledge, I have no outstanding debts unpaid that should require a collection agency to be contacting me. Ive received nothing in the mail and nothing is on my credit report. 

I am appalled that any agency would mimic a cancer center calling. My father is elderly, XXXX XXXX XXXX XXXX and has numerous phone calls coming in from unknown numbers daily with doctors following up on his treatments. I dont know if this situation qualifies under this report, but something should be done. My parents are now going to be leery of answering unknown numbers but must do so to keep in contact with his doctors. Its sickening that this company would do such a thing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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/2020 I filed disputes with the XXXX, XXXX and Equifax. It has almost been 60 days and I still haven't heard anything from them. Why is it taking so long for them to response to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: Upstart Holdings, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, Upstart Network Inc approved covid-19 related hardship assistance. They told me that I was approved and didnt need to make payments for 60 days. They also sent me a letter indicating that they wouldnt report my account as delinquent to the credit bureaus for being late. 
This company went ahead and reported my account as 60 days past due dropping my Fico score by 60 points. 
I tried multiple times ( 5 to be precise ) thinking it was a mistake and hoping they would remove this error. 
Upstart Network Inc refused to remove this delinquent reporting.

This has negatively affected my Credit and and iam unable to get favorable interest rates or i am getting denials even though I have made my payments on time since the loan inception.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX I reported the capital one bank and criminal law enforcement officers stalking me and defrauding my bank account. They closed my debit card against my will and the XXXX  police officer was on the phone with them trying to excuse crimes on " job '' procedure. No such procedure exists. This police officer is trying to steal money again and frustrate me. Stereotypical law enforcement officers are to XXXX  XXXX  to be trusted. 

I tried to dispute two XXXX transactions that XXXX doesn't have on record but the bank stole the money and threatened to shut off my debit card again to assist the police officers XXXX  XXXX psychological tactics. To repeatedly XXXX the victim and call them crazy for telling the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
SOMEONE STOLE MY ID AND SOCIAL ALONG WITH OTHER PERSONAL INFORMATION TO OPEN UP ACCOUNTS IN MY NAME FRAUDULENTLY. I HAVE ENCLOSED MY POLICE REPORT AND ID THEFT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28 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: Service Finance Holdings, LLC
State: UT

Complaint narrative:
Service Finance is reporting erroneously on my credit file. I have a personal loan through them but it is being reported as a mortgage. This is not a mortgage. I need the account type to change, it is affecting my financing for other things because it looks like a foreclosure mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On XX/XX/XXXX I attempted to transfer {$240.00} to my girlfriend 's Venmo account. In the application, an error appeared saying the transfer was declined. The money was still removed from my checking account via my debit card. I contacted Venmo and they told me it was a temporary hold and would fall off. I waited for the transaction to process so it was no longer pending. At that point, the money had still not been returned. I attempted to resolve this with Venmo by messaging on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX via email, their internal ticket system, their internal chat system, and XXXX. I was told it was with another team and that they couldn't help. They refused to take a complaint or notify me of what regulatory board handled complaints about their company. They have not returned the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I filed disputes with the XXXX, Transunion and XXXX. It has almost been 60 days and I still haven't heard anything from them. Why is it taking so long for them to response to me?

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 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2020 I filed disputes with the Experian, XXXX  and XXXX. It has almost been 60 days and I still haven't heard anything from them. Why is it taking so long for them to response to me?

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 2020-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Everest Receivable Services Inc.
State: MA

Complaint narrative:
i am not working collecting from unemployment mass law states you can not collect from people if that is your only source of income.

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 2020-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
I refinanced in XXXX with TCF Mortgage, in XXXX I refinanced again this time using XXXX. Now I am trying to sell my house but a title search has shown that TCF Bank didnt properly satisfy the mortgage with the county. I have been trying to get resolution from TCF Bank since early XXXX. When you call them you have a hour wait which I have waited but still dont provide help. You cant get a direct number to anyone and if you send a email to customer service you dont get a reply back. I have a title company trying to help with this but get the same results, in fact when they actually spoke to someone and asked to speak to a manager they were hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: OK

Complaint narrative:
XXXX XXXX XXXX was paid in full and they sold to another company and have it as revolving unpaid with balance I paid in full to company that bought it but XXXX XXXX  wont remove the negative item from my account Im trying to buy my home this is one of a few holding me up

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 2020-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I noticed that a transaction was made in my XXXX wallet of {$2000.00} USD of BTC. So I decided to move the bitcoins to my bank. That same day XX/XX/2020 I filed a support ticket on the website since their phone number is only gives on option to lock the account. The next day, I recied a message that the I was sent a message saying my account had been locked. The website locked my account when i called to ask about the unauthorized transaction. I then had to take a picture of the front and back of my id and take a picture of my face for recovery. They said it would take 48-72 hours to respond. Today XX/XX/2020 I received an email saying my account was unlocked. I was able to get into the account ater several tried the app let me in and there is XXXX $ in it and all the transactions are all gone. I logged into my bank and they had in face charged my credit card a XXXX $ transaction fee. It says its for an ACH Withdrawal from coinbase.com XXXX. The fee was made on XX/XX/2020. I will be calling my bank to dispute the charge. Since my money and transactions have been removed I believe this to be a scam. Support keeps sending me into a loop on the website to change the password. 
I recievd an email that read : You sold for {$2000.00} USD of BTC We expect your sale to be completed by XX/XX/2020. 
Reference code XXXX Payment method USD Wallet Date XX/XX/2020 Amount XXXX BTC Exchange rate @ {$12000.00} / BTC Subtotal {$2000.00} Coinbase Fee {$30.00} Total {$2000.00} My account balance is now XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: GA

Complaint narrative:
Hello! 

I sent them a debt validation letter dated XXXX. They failed to work with me and were very rude to me. When i asked for the company manager they hung up in my face. I contacted them several times after and received the same response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a CareCredit card with Synchrony Bank for as long as I can remember, and never made a late payment or went over the limit. The cars currently sits with XXXX balance. My credit scores are over XXXX depending on the bureau and my salary is over $ XXXX per year. 

Now. I applied for a Verizon Credit Card issued by Synchrony Bank on XX/XX/2020. My credit bureaus are usually frozen as a personal choice to protect myself. I unfroze XXXX  and applied. I got a credit pull but the application said Id receive a letter. They didnt mention approval. 

I had to spend about 30 minutes calling different numbers at Synchrony Bank and getting transferred, until finally I was connected to the department in the bank that deals with the Verizon card. After a while, and using my social ( not the confirmation number ), the lady said the credit check was not done and to please unlock XXXX, so I did. I got another hard pull on XXXX  this time. She immediately transferred me to another person who then told me Id receive a letter in the mail, but no answer. So far I have 2 hard pulls on my credit reports and no answer. 

I called again and a person finally told me my application was denied, without providing any information. I asked to speak with the lending or reconsideration department because the bank could easily either convert my CareCredit card to a Verizon Credit card, or transfer enough credit line to open the new account. This person stated there was no such thing and there was nothing that could be done. 

Synchrony Bank acts like a XXXX it seems. They ruin your credit by doing 2 hard pulls and at the end you dont get anything. This is completely unacceptable and they should be held accountable.

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 2020-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
XX/XX/2020, XX/XX/2020, XX/XX/2020 dates I have tried to contact this company to request a 90 day forbearance or assistance due because of Covid19 I loss employment and am waiting for my the State of Georgia to catch up with it's backlog for unemployment payments and applying for as many positions that I show well qualified for. 

However I have attempted to contact Santander via phone, chat and their message portal. When I reach a representative they can not help me because the way they have coded my account no one can see my account. 

This was the other reasoning behind my last complaint. I am not in an active bankruptcy. Santander has never been listed in any bankruptcy for me. Until XX/XX/2020 I have made the majority of my payments prior to the due date. If I were under a bankruptcy making consistent direct payments to your creditor would nullify the bankruptcy. 

I can not be considered for any assistance because no one can see my account information to make a determination. 

This is ironic. My complaint is that my creditor 's customer service department will not talk to me. Since they can not talk to me to discuss my loan options they are denying me any options. 

Their chat now tells me to contact customer service. When I contact customer service they say they can not access any information on my account other than to transfer me to another department. When they transfer me I get someone in the legal department who does not have access to the information on my account, they do not have the information regarding my options and they are not authorized to negotiate and make a determination regarding those options.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
The problem I have with waifer credit card is that they continue to charge XXXX dollars that I paid 3 years ago XX/XX/2017. I exposed this problem in XXXX of this year they fixed it and they reloaded the same amount now in XXXX how many times will I have to. pay this money where I bought my mattresses 3 years ago they only tell me that they have to go back to investigate again I do not understand

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
I used my VA loan to purchase a house in XXXX and was using Freedom Mortgage. I decided to move to XXXX and found a realtor who wanted to assume my loan. After notifying XXXX of my intent to move to XXXX in XXXX and sending Freedom Mortgage the required form with the 3rd party information, I was told that they had him as the person to assume my loan and would send the required documents for us to fill out and then he would have the house and I would be released. We started this process in XXXX of this year and after NUMEROUS phone calls from myself and the realtor to get the required paperwork for the assumption - they never sent the documents. They kept telling me they did but they did not. I made SEVERAL calls to the supervisor as did the realtor and we both complained that our calls were never returned. Now I am in XXXX  and am living in a hotel paid for by XXXX XXXX XXXX but will be XXXX as of this friday ( two days from now ) because the XXXX says the house is considered a asset so therefore I do not qualify for assistance and will have to live in my car. ( I am XXXX XXXX XXXX ) This company has been negligent in assisting me in resolving this issue and I need intervention ASAP. I hope you can do something to help me so I will not become a " casualty or statistic '' because of being a single female living in my car. I spoke to the realtor 2 days ago and he is still interested in assuming the loan if they will finish this process. PLEASE HELP!!!!! 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 2020-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
The name of the company is Sequium Asset Solution. I called the company, paid for the past due bill of {$290.00}, and asked for a letter of deletion and the representative informed me that they would mail me one. I call back and ask 3 times for a letter that the bill was paid in full, and went ahead and paid for the bill in full but never received a letter. This company reported it as a collection owing {$0.00} but it stills impacts my score 35 % and I know that companies can discriminate according to zip codes. This is the only derogatory account on my credit report and for an account that is paid in full, so why wouldn't I think that this is a discriminatory act on behalf of XXXX and Sequuium. The account was opened in XX/XX/2020 and paid in XX/XX/2020, and there has not been an update and it is now XXXX XXXX.The name of the company is Sequium Asset Solution-XXXX XXXX XXXX XXXX XXXX, XXXX, Ga. XXXX and phone number is XXXX. The original creditor is XXXX. XXXX representative has informed me to contact Sequium. 

Please Help, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation