vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: WI

Complaint narrative:
Since my mother 's death in early XXXX and my discovery at that time of a Coinbase account in her name, I have -- as her next of kin and former PPOA -- attempted repeatedly to contact Coinbase support to obtain access to her account. Multiple initial attempts to use their online customer service support form to file " obtain access on behalf of a deceased account holder '' didn't even result in a single automated response. They do not offer phone support or publish an address for postal contact, so at the time I was stymied. Finally, on XX/XX/XXXX, I created a Coinbase account of my own on the suspicion that their automated form simply refused to email anyone that didn't have a registered account ; this proved correct, and I received another automated email listing all the documents I would need to supply in order to successfully request access to my mother 's account ; their instructions were to then " contact them '' once those were uploaded. 

I uploaded those documents -- death certificate, etc. -- and both replied to the automated email and resubmitted the form, not being sure what other form of " contact '' might be useful. It has since been a week, and I have not heard back from anyone ( and, more importantly, am not even sure how to follow up. ) I want to emphasize that I have no idea how much money is in my mother 's account and would not be doing business with Coinbase at all under my own initiative, so their complete inaccessibility is doubly frustrating. 

This is the text of their automated reply ( once I created an account to receive one ), sent XX/XX/XXXX : " Dear XXXX, We are saddened to hear about your loss. 

To help us process this request, we will need copies of the following documentation : 1. Death Certificate 2. Last Will and Testament - AND/OR - Probate Documents ( either Probate, Letters Testamentary, Letters of Administration, Affidavit for Collection or Small Estate Affidavit ) 3. Current, valid government-issued photo identification of the executor named in the Letters Issued 4. A letter signed by the person ( s ) named in the Probate Documents  instructing Coinbase on what to do with the balance of the Coinbase account Additionally, we will need the email address of the account holder. If there are more than one possible email address, please list them with the most probable email address at the top. 

You can safely upload these documents here : https : XXXX Take as much time as you need and contact us when you are ready and the documents have been uploaded so that we can continue with the review. 

If you have any additional questions about this process, reply to this email and we will be happy to answer. 

Thank you very much for your patience and help. 

Regards, Coinbase Support ref : XXXX : ref ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
This morning I received an XXXX  notification about a debt collection opened against me on XX/XX/XXXX, for a {$77.00} balance supposedly owed to XXXX XXXX ( XXXX ). 

I've been a client since XXXX with XXXX XXXX XXXX ( now XXXX  ) and I've NEVER owed anything to them. I have my payment settings on AUTO PAY so there's not a chance that I couldn't have paid an internet bill. 

I do not have TV or telephone with them, I've only hired nternet services all this time. In fact, I've already had a similar issue with the same company a couple of years ago. They initiated another debt collection that had to be removed because it was incorrect. 

I don't know if maybe there is someone with a similar name to mine, but this debt collection definitely does not belong to me. I have PROOF to support my statement, and hence I'm attaching the last balance statements from Spectrum since XX/XX/XXXX that show I owe NOTHING. Even my account page on their website home page reflects a {$0.00} amount due. 

Hence, I am opening a dispute of this collection to publish this information and make this go away since it is damaging my credit, name, image, and credit history that has been impeccable for many years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XXXX of XXXX I accepted an offer where Wells Fargo offered a {$400.00} bonus for opening an account. I was told that they would deposit the money in XX/XX/XXXX. 

When that didn't happen I submitted a complaint with CFPB case # XXXX. 

Wells Fargo responded in a letter to me dated XX/XX/XXXX stating that they would pay the money within two billing cycles. Today is XXXX XXXX and I have received two additional statements from Wells Fargo but they have never deposited the {$400.00} bonus they said they would. 

I spoke with the executive office this morning and they said that they are unaware of the letter that I received. 
I have attached it and certify that it is the letter I received from Wells Fargo Is this really the correct behavior for one of our country 's largest banks?

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 2020-05-18 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: OH

Complaint narrative:
On my credit reports there is wrong information reporting on it. XXXX XXXX account have been closed and is not longer on my report. Also with Equifax, XXXX, and XXXX, there are accounts reporting on my report that are incorrect and are violating the fair credit reporting act. There are unauthorized inquiries reporting. 

On Equifax report XXXX XXXX is a fraudulent account it was not opened by me. 
XXXX XXXX account is closed. 
Also the {$64.00} balance don't have no information and is not completed properly. These accounts need to be removed immediately. 
{$720.00} balance don't have the correct information and the information isn't completed. Their is no credit information listed. ( violation of the fair credit report ) XXXX XXXX Ohio is a fraudulent account I never opened that account. 

XX/XX/XXXX inquiry : XXXX XXXX XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX  XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX XXXX  UXXXX. 
XX/XX/XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX. 
XXXX XXXX, XXXX XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX. 

XXXX XXXX XXXX account is closed. 
XXXX XXXX is a fraudulent account. i t was never opened by me. 
XXXX XXXX XXXX XXXX XXXX needs to be removed. I did not approve this inquiry. 

XXXX report needs to be updated. 

All addresses needs to be updated. 
Only current address is XXXX XXXX XXXX XXXX, Ohio XXXX All old names but XXXX XXXX needs to be updated. 
All statements and fraudulent alerts and security alerts needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On my credit reports there is wrong information reporting on it. XXXX XXXX account have been closed and is not longer on my report. Also with XXXX, Experian, and XXXX, there are accounts reporting on my report that are incorrect and are violating the fair credit reporting act. There are unauthorized inquiries reporting. 

On XXXX report XXXX XXXX is a fraudulent account it was not opened by me. 
XXXX XXXX account is closed. 
Also the {$64.00} balance don't have no information and is not completed properly. These accounts need to be removed immediately. 
{$720.00} balance don't have the correct information and the information isn't completed. Their is no credit information listed. ( violation of the fair credit report ) XXXX XXXX Ohio is a fraudulent account I never opened that account. 

XX/XX/XXXX inquiry : XXXX XXXX XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX. 
XXXX XXXX, XXXX XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX. 

Experian XXXX XXXX account is closed. 
XXXX XXXX is a fraudulent account. i t was never opened by me. 
XXXX XXXX XXXX XXXX XXXX needs to be removed. I did not approve this inquiry. 

XXXX report needs to be updated. 

All addresses needs to be updated. 
Only current address is XXXX XXXX XXXX XXXX, Ohio XXXX All old names but XXXX XXXX needs to be updated. 
All statements and fraudulent alerts and security alerts needs to be removed immediately.

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 2020-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I was forced to open a Paypal account when I sold an item on XXXX. 
The money has been there since XX/XX/2020, over 21 days. When I try to transfer the money to my bank, Paypal 's response is that the transaction can not be done at this time. 

I tried to refund the monies to the buyer so the funds could be sent another way, and received the same response. I also tried to open a dispute, and the response was that I could not. 

Paypal is holding the funds. When you try to call them and speak to someone, they use the excuse that due to Covid 19, they are not working. Everyone state is going back to work. And these call centers workers can work from home. 
So there is no excuse that I can not get my money out of their digital wallet. 

Basically, I have not recourse at all except to file this complaint. The SEC needs to investigage this company. How can they keep my money for 21 days and not give it to me?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
My mortgage was sold to rez mortgage from XXXX. Then rez mortgage wanted to tell me I was behind when I wasn't so I emailed my bank statements to prove I wasn't and they still haven't fixed it. I haven't paid XXXX, XXXX, or XXXX because they'll put it on the months I do not owe. I have the money to pay but I don't want them to come back and say I'm still behind. I have contacted them numerous times and also asked to speak to a supervisor. I had to pay my homeowners out of my own pocket.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Two weeks ago I received an email stating that I had violated section 22d. I had over {$2000.00} in my account. I tried contacting customer service and it hung up on me. I tried again and waited for over four hours for them to tell me there is nothing that they could do. All I want is a check mailed to me with my remaining balance. I called again and on hold for over four hours and they said I would need to send a letter to customer service. It has now been two weeks and I have not heard anything back or received my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2020 I filed a dispute in regards to bankruptcy that was showing on my credit report that does not belong to me. On XX/XX/2020 Experian posted my dispute results showing that they were able to get verification from a clerk that it was indeed my information. I immediately called down to the courthouse, to ask how it had gone so wrong and why it was showing up as my information. I was able to find out that the courthouse had been closed for a few weeks there were no clerks there to verify Anything for anybody and that theres nobody there that could help me. They then told me there couldnt have been anybody there to verify for the credit reporting agency either. Experian is not being truthful in regards to their investigations on disputes and is fraudulently reporting unverified and wrong information.

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 2020-05-18 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: NY

Complaint narrative:
On Wednesday XX/XX/XXXX, I visited XXXX XXXX XXXX. After the initial examination, it was made clear that they would not be able to meet my needs. I was to charged {$150.00} for the office visit ; however, my account was charged the full cost of the procedure, {$1800.00}. The merchant called to notify me of their mistake on Thursday XX/XX/XXXX but refused to credit my account stating there is nothing they can do. 

I immediately contact Citibank and was informed that I could not file a dispute until the actual charge was listed on my billing statement. Therefore, I faxed a letter of complaint/dispute with Citibank on XX/XX/XXXX. On XX/XX/XXXX, I faxed another letter detailing the circumstances and transcription of the voicemail left by the merchant. On XX/XX/XXXX, I faxed another letter to Citibank and called customer service several times regarding this issue. On XX/XX/XXXX, I finally received an email notification from Citibank stating that my account could not be credited for the {$1800.00}, plus interests and fees, due to the " passing of the allotted time frame ''. On XX/XX/XXXX, I faxed Citibank a letter highlighting the dates of my attempts to resolve this matter and their negligence in allowing the time frame to end. On XX/XX/XXXX, I received an email from Citibank stating there is nothing more they can do, the charge will remain on my account, and adversely effect my credit if remains unpaid.

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 2020-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA
State: GA

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX XXXX series boat on XX/XX/XXXX. At the time of purchase, Yamaha offered a finance option which put all payments in excess of the required monthly amount directly towards the principle. This was the option chosen ( section 7, paragraph 2 of the loan agreement ). 

The payments began in XXXX of XXXX. At this time XXXX XXXX was managing Yamahas loan program. My payments were in excess of the required amount, and in XX/XX/XXXX I began doubling the required payment. The amount above the required payment was always properly placed against the principle ( as annotated on each monthly statement ). 

In XXXX of XXXX Yamaha Financial Services began management of my loan. At this time my payments stopped being applied according to the loan agreement. On XX/XX/XXXX I spoke with customer service ( XXXX XXXX EST ) and was ensured that the amount over the required payment would be put against the principle. It was not. 

In XX/XX/XXXX I received a statement that showed my required payment as {$760.00} ( double the required amount ). I again called Yamaha and made the following memo for record : I have never received an e-mail response from that review. 

I have stated on my payments that all amounts in excess of the required payment, be put against the principle as per the loan agreement. In conversation ; once again with Yamaha Financial Services, I was told that I could not put that on my mailed payment, and that I needed to call every month if I wanted it changed. I made one attempt and was told that they couldnt change it unless I made the payment over the phone.

I have sent approximately 10 12 e-mails to Yamaha on this subject. I have had 1 response, and they just again quoted according to the waterfall Attached/included, please find : 1. The signed loan agreement 2. E-mails

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Deceptive and confusing website signed me up for a subscription against my clear wishes to the contrary. 

I attempted to get my free credit score directly from transunion, it kept sending me errors. I needed it ASAP so I paid for a credit report not a subscription. My payment was rejected several times, so I my order was processed and then later charged for XXXX dollars. I then called the company after a 60min+ hold I was told I would only be charged once for the credit report and I would not be charged again. I would be refunded all the extra charges. Over the past month they have continued my subscription and continued to charge me. I do not have the time to spend 60mins on a very difficult to use helpline. In my opinion they are intentionally using poor service and difficult user interfaces on their website to make extra money from people. 

Details on non refunded charges below : Transunion Order Number : XXXX TransUnion Report, Score, and 3-Bureau Credit Monitoring Subscription Fee {$24.00} XX/XX/2020 - XX/XX/2020 Transunion Order Number : XXXX TransUnion Report, Score, and 3-Bureau Credit Monitoring Subscription Fee {$24.00} XX/XX/2020 - XX/XX/2020

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 2020-05-18 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
An application was submitted to American Express on XX/XX/2020. American Express ran a hard inquiry on my credit on this date but informed me that my personal phone number needed to be updated with XXXX before approving the account. I updated the phone number on XX/XX/2020. American Express credit department ensured me that they would not run my credit. However, there is a hard inquiry on my credit report for XX/XX/2020 that I did NOT authorize. This is a violation of the Fair Credit Reporting Act. I attempted to contact customer service and was transferred to 3 different people who could not resolve the problem. In addition, I contacted customer service via chat and could not resolve the problem either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: AL

Complaint narrative:
My credit report with your agency is still reporting two erroneous accounts in the derogatory accounts section. A collection with XXXX XXXX and a Public Record with a Bankruptcy Court in XXXX, Al. I've asked you before to verify and send me proof that these items belong to me. I haven't received anything in over 3 months. After doing my own investigation I have received letters from both accounts verifying these arent my accounts. The two letters are attached. Please delete these accounts as soon as possible. Thanks.

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 2020-05-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Macy 's store credit card. Charging me excessive late fees when i have paid on time every month. They concocted an artificial due date to be able to justify charging me late fees. I have paid more than the amount and requested a different due date and they still charge me late fees and dinged my credit report. 
They are gaming the system to over charge late fees and I have not missed a payment since I started the account. 
It is a scam to extort money from me at the risk of causing my credit score top be reduced.

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 2020-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I have student loans serviced by Navient ( navient.com ).

I like to pay my student loans several months ahead. As of XX/XX/XXXX, I had paid them up to XX/XX/2020. That is, Next payment due date, XX/XX/2020.

Then the CARES Act was applied, whose intent was to provide a pause period, give borrowers more time to pay.

So what did Navient do? 

Navient TOOK AWAY two ( 2 ) months of payments I had already made by setting the next-payment due date TWO MONTHS EARLIER, from XX/XX/2020 to XX/XX/2020! 

Their reasoning was : All loans go into Covid forbearance Covid forbearance ends XX/XX/2020 Therefore all loan have a due date for next payment of XX/XX/2020 XXXX. 

Specifically, Navient 's statement was : "... Because the deferment ended on XX/XX/2020, your extra XX/XX/2020, payments were no longer applied toward future payments due. '' Is that even legal? 

If a borrower has made payments to XX/XX/2020, there is no way Navient should be allowed to move the next payment due date backwards, to XX/XX/2020. 

Navient must have done this to thousands of borrowers who paid their loans ahead.

Company response to consumer: Closed with explanation