vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I have had a Coinbase account for years, I have a level 2 verified account which includes ID verification verified with my face photo, verification of my bank account etc. 

support cases and complains on platform : [ Case # XXXX - Complaint # XXXX ( and case # XXXX, and case # XXXX ) ] Given the good performance of the platform I increased my purchases during XXXX and on XX/XX/XXXX they blocked my account claiming that it was being reviewed, after three support tickets and 15 days they unlocked my account saying that everything was resolved ( I attach email of this confirmation ). 

On XX/XX/XXXX of this year XXXX XXXX ) they blocked it again without notice, without giving justifications, and my support tickets are ignored ( no response after almost a month of communication attempts ), I opened a formal complaint on the platform after no response from support and also got no answer so far. 

I will not recover the lost investment possibilities but at least I would like to be able to access my funds again as soon as possible since no reason has been given as to why I am banned from accessing them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Hello my name is XXXX XXXX. Last year I received a letter from a collection agency named XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, New Jersey XXXX telephone ( XXXX ) XXXX about a delinquent credit card account I had. This agency made me an offer to settle the matter at a 40 % reduction of the original debt. I did so and paid them in full now a year later they are trying to charge me again for an account I have already paid off saying that I still owe {$880.00} and it is on my credit report. This agency is just taking peoples money and not reporting it as paid off to the credit unions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I used the Experian credit service last year and wished to cancel in XXXX. I reached out via phone and could not reach a customer service rep so I reached out via email and have continued to be billed {$14.00} for the past 4 months. 

I am not receiving any of my credit data every month and my information is not linked to an account of any kind with them. They are extracting money without providing anything.

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 2021-02-07 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: MS

Complaint narrative:
On XX/XX/2020, I handwrote dispute letters to all three credit bureaus about inaccurate and incorrect information on my credit reports. I also been disputing these items since XXXX of 2020. I specifically requested that they verify the information with proof of my handwritten signature on loan or credit documents and provide information and evidence on how they verified this information. Since the information was different on ALL three bureaus, I demanded that this derogatory information was deleted or removed. However, XXXX  and TransUnion sent back reports showing that the information was updated. I did not ask for anything to be updated. Under FCRA, any inaccurate or incorrect information must be deleted and not replaced there. Replacing derogatory information on a person 's report that is still fraudulent, unverified or inaccurate is still breaking the rules and regulations of the FCRA. Anyone can sit in front of a computer and fill out information without a person 's permission and send it in and have open accounts in a person 's name without them knowing it until they check their credit reports.

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 2021-02-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
Purchased 2 leather recliners from XXXX XXXX on XX/XX/XXXX. XXXX was supposed to be delivered in XXXX. Got several emails stated delivery date was pushed for ward several times. XXXX XXXX XXXX on XX/XX/XXXX and spoke with XXXX and cancelled order. She stated she had cancelled order. Furthermore, I contacted the credit card company Comenity Bank that issues XXXX XXXX Credit card and closed the account. and was assured that no charges would appear. However the charges of {$3500.00} appeared on a statement for XX/XX/XXXX for the order I had not only cancelled on XX/XX/XXXX but the ordered merchandise was never shipped and the order tracking number indicated order has never been shipped to my address. To further document my intent to cancel this order I also filled XXXX XXXX XXXX complaint ( case # XXXX XXXX on XX/XX/XXXX. I also closed the Comenity Bank XXXX XXXX credit card before the items were charged. I was assured when by Comenity Bank when I closed the account that no further charges would be allowed after the closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: MS

Complaint narrative:
On XX/XX/2020, I handwrote dispute letters to all three credit bureaus about inaccurate and incorrect information on my credit reports. I also been disputing these items since XXXX of 2020. I specifically requested that they verify the information with proof of my handwritten signature on loan or credit documents and provide information and evidence on how they verified this information. Since the information was different on ALL three bureaus, I demanded that this derogatory information was deleted or removed. However, XXXX  and XXXX  sent back reports showing that the information was updated. I did not ask for anything to be updated. Under FCRA, any inaccurate or incorrect information must be deleted and not replaced there. Replacing derogatory information on a person 's report that is still fraudulent, unverified or inaccurate is still breaking the rules and regulations of the FCRA. Anyone can sit in front of a computer and fill out information without a person 's permission and send it in and have open accounts in a person 's name without them knowing it until they check their credit reports.

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 2021-02-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Self Financial Inc.
State: TN

Complaint narrative:
Requesting my total refund amounts in the amount of {$500.00} prior to XX/XX/2021 and {$36.00} prior XX/XX/2021 from Self because they closed my credit builder account at their own discretion without notifying me and I requested that my payout be sent back to my bank account instead of a check being mailed via to my address but as of tomorrow I will be most definitely disputing both charges through my bank. For your records for mines as well the credit builder account number is XXXX, loan number is XXXX and then the CD number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I reached out to the company in XXXX of 2020 explaining to them that i lost my job due to covid-19 and i would settle to complete the debt. They turned me down and i got a letter in the mail about a court date. i know can not do anything with my credit to help my family during this hard time. They are not supposed to reporting to my credit during Covid-19 and yet here we are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-07 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
At this time, I respectfully request a copy of my Experian, XXXX  and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Michigan Mutual, Inc.
State: MI

Complaint narrative:
This is a new mortgage and the problem occurred when I accidentally made a duplicate payment for XXXX. I did not realize that the automatic payment would begin so quickly as I had not received confirmation, so on XX/XX/XXXX I made an electronic payment. On XX/XX/XXXX, the automatic payment went through for a second payment. I immediately called customer service and was told I could submit the request on line via the customer service portal. I did that on XXXX but did not receive an email confirmation until XX/XX/XXXX. I called the company and was told the check was cut XX/XX/XXXX and to give it a few days due to the holiday. 

It is now XX/XX/XXXX and still no check. I have called, emailed and called every day to be told the check was mailed XX/XX/XXXX and to wait a few more days. I have been transferred, cut off, hung up on, ignored and lied to with every call. 

No one will provide their name, telephone number or any other information other than we are checking on this and will call or email you. In the meantime I have continued to make the payments and have experienced financial hardships, paid late fees and dealt with incredible frustration just trying to get the duplicate payment reversed or I'll even live with the duplicate payment being applied to the account. 

Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: NJ

Complaint narrative:
At this time, I respectfully request a copy of my XXXX, XXXX and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: ME

Complaint narrative:
On XX/XX/XXXX, I opened a dispute with Citi Cards regarding a fraudulent purchase made in the amount of {$370.00} on XX/XX/XXXX with a XXXX XXXX XXXX XXXX XXXX. The Case ID is XXXX. The dispute is still ongoing and despite having more information that would help them decide in my favor. However, I called in and was told by a customer service agent that the merchant is claiming that I would have to send in a document explaining why the merchandise is defective. 

However, I was informed that I would have to find the document that would allow me to dispute this claim under notices and letters in my online account, dated XX/XX/XXXX. When I followed the customer service agents instructions to get there, the last notification was received on XX/XX/XXXX. 

I then was routed to a number of different customer service reps that have failed to find this document which will allow me to appeal this decision. Theyve already decided that I am liable for {$370.00}, which my tracking information XXXX XXXX XXXX XXXX XXXX & XXXX ) shows was received back by the merchant on XXXX XX/XX/XXXX at XXXX XXXX 

This feels like a scam that CitiBank is conducting, and they have already decided that I am liable. It feels like they are giving me the runaround to erroneously charge me {$370.00}.

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 2021-02-07 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Many years ago I had a cook two cards with XXXX XXXX and one with Target and each of those cards I was able to negotiate a pay for a deletion where I paid the account in full and they promised me that they were going to delete those accounts from my credit report and both of those companies have since reneged on the deal and they tricked me and manipulated me into paying these balances that I did not believe were mine in the first place in order to remove them from my credit report which are they went and they sent me a letter saying that it you know it was going to be deleted and I since have sent them this letter and I have not been able to remove these accounts from my credit reports are they have in my opinion in a committed negligence fraud and I would like to take legal action and sue them for all the violations that they made in these instances and him as I told them when I have calls are at least 10 times I have tried to dispute both of these are items so all three of these items are over 10 times with the bureaus and Ive been unsuccessful in each attempt and I have provided documentation to prove my case and these are for accounts that are paid in full and like I said they promised to delete them so they have reneged on their word and now they are costing me thousands and thousands in as they ruin my credit and I want them deleted immediately if they are not deleted in 30 days from this complaint I am going to pursue legal arbitration and Im going to take this up with the courts because Im done with this this is my last attempt to get a delete it if they dont delete it Im taking legal action 1000 % so thats it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: SC

Complaint narrative:
1. 0n XX/XX/XXXX my wife and I put our house into forbearance due to my wife having her work hours cut due to the XXXX XXXX. 
2. At the end of XX/XX/XXXX, I called my mortgage company, US Bank, to start the process of getting out of my forbearance. I was initially told that since I had a VA loan, the mortgage company was waiting for guidance from VA on how to proceed with modifying VA loans that were put into forbearance. The representative asked if I could start making payments and I said I could. I started making payments again in XX/XX/XXXX. 
3. I called every week to get a status update and every week I received a different answer about what was being done with my forbearance. 
4. On XX/XX/XXXX I received a call from a representative asking what I was able to do/not do where my forbearance was concerned. I was told it would take thirty days to complete my evaluation. 
5. On XX/XX/XXXX I received a call from a representative stating that my loan modification had been approved, I should be receiving paperwork from underwriting within thirty days and that I didn't need to make a payment for XXXX but I would for XXXX. 
6. On XX/XX/XXXX I had yet to receive any paperwork from underwriting but I still made a payment for XXXX. 
7. On XX/XX/XXXX I received a letter from underwriting, stating the terms of my loan modification, I had until XX/XX/XXXX to appeal the modification and I didn't need to make a payment until XXXX. I didn't appeal the modification. The paperwork also stated that I would receive more paperwork by XX/XX/XXXX, for my wife and I to sign for the loan modification. 
8. As of this date, XXXX/XXXX/XXXX, I have yet to receive any paperwork for my wife and I to sign to resolve this forbearance. 
9. I have called and emailed numerous times and even filed a complaint, within US Bank, and I still keep getting the same answer that they are working on it. 
10. This paperwork should have been started on XX/XX/XXXX, since I didn't appeal the loan modification. 

Now eight months later, we are no farther along than when we requested to end the forbearance.

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 2021-02-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi has promotions for XXXX to receive XXXX bonus. Keep 60 days and within 90 days you would receive bonus.I opened the account and was funded by XXXX During the time I received emails stating I had not deposited I chatted/called 3 times each time stating I qualified and to ignore emails. 100 days later no bonus, I called and was told they would have to open a ticket and it would take another 20 days for response for m6 bonus but was assured I qualified. I asked for a supervisor who said we are short handed, its a pandemic and people are suffering. I said why are you still running promotion if you can not keep up with advertised promise. He said thats what they told me to say. I asked for another level and was told someone would call me back. A week later and no response. I called corporates, was told to call consumer affairs, who told me to call corporate. Corporate said I would just have to wait. I asked for another way to escalate. Was given an email. I emailed and was responded to with the canned email that someone would get back to me within 15 days. 

They are still running promotion, if they can not honor their promotions. And hold our money hostage they should not be allowed to run promotions

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 2021-02-07 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 — Investigation took more than 30 days
Company: AES/PHEAA
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SLM CORPORATION
State: TX

Complaint narrative:
I have been steady paying back my student loans after they defaulted because of my old financial situation. however i got on a repayment plan and have been paying the loan back through a repayment plan for XXXX every month since XXXX of XXXX this has not been reflected on my report whatsoever. the same company which is sallie mae has the account although it has a status of charged off. If possible i would like the report to be wiped clean off my report or at least have them report my on time payments since XXXX of 2019

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I had a loan for a XXXX XXXX with american credit acceptance, the car was stolen and totaled in a wreck in XX/XX/XXXX my insurance XXXX XXXX XXXX paid off the loan and sent american credit acceptance over {$8700.00} to pay off the loan.. that was 3 months ago and american credit acceptance wrote on my credit score that it was affected by natural disasters which it wasn't.. i paid off my loan through my insurance and it should be in good standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: ME

Complaint narrative:
On XX/XX/2021, I placed a call to PNC Bank and was advised by a customer service representative that they would not be able to reverse five overdraft fees accumulated XXXX {$36.00} each ). However, I signed up on a {$300.00} bonus that was supposed to have been disbursed in my account 3-4 weeks ago and I have never received the bonus. I received my direct deposit through them for months and have never received the promised promotional bonus amount.

Company response to consumer: Closed with explanation