vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-15 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: WA

Complaint narrative:
I went through a hardship after I XXXX  from college. I couldnt pass the XXXX  to secure a job. My wife and I moved out of XXXX  to XXXX and things got worse with trying to pass the XXXX XXXX and find work with no license. I was working with a guidance counselor for assistance with my payment. I didnt realize the different lenders I had with the different loans. I was told I was approved for a forbearance and my understanding that would date back to adjust the late payments so I would no longer be behind but it did not. 2018 the XXXX  XXXX is showing several late payments for my account at Experian, XXXX, XXXX  before selling the loan to a different lender.

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 2020-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I closed my citi priority checking account in XX/XX/2020 XXXX confirmation received and online access to that account was no longer available ). However, I keep on receiving mails claiming that I owe Citibank monthly service fees and overdraft fees.

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 2020-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/2020 Chase bank froze my account because of a deposit was made to my account and plan on closing my account and returning my funds. 

Chase bank have no authority to hold any of my funds. Regulations E & EFTA My loan is between me, my entity and the SBA They did not request any LLC or ask me about any business deposits prior to opening my account My name is my business I have no funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CT

Complaint narrative:
Lakeview Loan Servicing LLC has repeatedly violated the terms of my FHA loan. Issues I've been having with this loan servicing company are : ( 1 ) FAILURE TO REMOVE PMI AS SPECIFIED IN LOAN DOCUMENTATION. Lakeview did not remove the PMI in XX/XX/2020 as expressly stated in my loan paperwork. Even after multiple time-consuming discussions ( 3-4 hours total ) with Lakeview, they have refused to adjust my loan account to reflect removal of the PMI beginning in XX/XX/2020, and instead have put my payments in " suspension '' as if I had not been paying the full amount due ( which I have done ). ( See attached copy of mortgage payment summary page ).

( 2 ) UNABLE TO MAKE PAYMENTS BY PHONE. As of XX/XX/2020, Lakeview 's phone system will not allow me to pay my loan by phone as I have done for many years. It appears that Lakeview 's phone system is rigged to only accept the higher improper payments and no other type of payment at any other amount is possible.

( 3 ) FAILURE TO POST ELECTRONIC PAYMENTS. Lakeview did not credit 3 months worth of payments ( XXXX, XXXX & XX/XX/2020 ) made thru XXXX  XXXX XXXX Bill Pay online system. These payment were FINALLY credited to my account 3 months after the fact when XXXX  XXXX XXXX personally intervened on my behalf. However, XXXX is STILL trying to assess late fees & the PMI for months in which PMI was not due. I was forced to make payments thru XXXX XXXX XXXXXXXX XXXX on-line bill pay service because Lakeview 's phone payment system would not allow me to pay the correct amount ( without the PMI ).

( 4 ) IMPROPER ASSESSMENT OF ADDITIONAL FEES UNRELATED TO COLLECTION. Lakeview attempted to pass on their legal fees to me without my consent which were associated with a property line dispute which I informed them of with a neighbor. It is my understanding that this is NOT ALLOWABLE under an FHA loan. These legal fees are completely unrelated to any collection.

( 5 ) LATE PAYMENT OF PROPERTY TAXES COLLECTED. Lakeview repeatedly pays my local property taxes late, and at least once has paid them so late that it was posted in the wrong tax year and affected my ability to properly file my personal taxes.

( 6 ) IMPROPER ASSESSMENT OF LATE FEES. Lakeview is assessing hefty late fees for several months even though I have made every attempt to pay them on time.

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 2020-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/17 my bill payment with XXXX XXXX XXXX did not go through when it was on auto pay. I reached out to the company and they said they saw the payment tried to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark in my credit and the company will not help me with this unfair situation.

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 2020-07-15 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: CA

Complaint narrative:
I requested for Experian to provide me with signed documents verifying that the accounts that I am disputing are mine. Experian has not provided those documents. They only send information saying that the account is verified.

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 2020-07-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/2020, I went to a few stores after receiving a deposit and having over {$2000.00} in my account. I was successful wit h those transactions but later that afternoon I was declined and locked out of my account. I called and received very bare and dry answers regarding why and when will my check be issued because I have to pay for child care and rent. The agent showed no empathy and the security team I was told would normally speak to customers but is refusing to be transferred to me. It caused me extreme XXXX and XXXX because we are in the middle of a pandemic and I will not be able to send my daughter to XXXX which will cause me to lose my spot and my job ultimately. My credit will now be effected because of me credit card being closed as well and they refuse to give me a time frame of when I should expect a check! I am completely broken and ready to give up on everything because my family livelihood is now in jeopardy and I have been a customer for years! I dont even know why it was closed but I am again broke, not sure how to may for daycare, bills, groceries and gas but they do not care about their customers. I need help figuring out a real time frame because I have to try to pray and beg not to be evicted or lose my spot in childcare. Citibank is the sole reason I will never trust 3rd parties with my hard earned income. Do not leave your money with this company at alllllllllllllll.

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 2020-07-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc.
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENC
E

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 2020-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/2018, my ability to buy crytocurrency currency via Coinbase was suddenly blocked, without reason or warning. My guess is that it's from my bank flagging and stopping a duplicate charge made by Coinbase. I reached out that day to Support and they stated that they'd look into it. 

11 days later I reached out for a status update and was told that it was escalated. I never heard from them again. 

I wanted to use the account yesterday to get back into cryptocurrencies and it's still the same issue. I reached out to support and received the same response regarding looking into it. 

I created a new account, hoping that would allow me to buy via Coinbase and the new account is flagged. They must be freezing accounts at the SSN level, as the phone, address, and payment methods are all different between the accounts. 

This is fraudulent activity. It looks like payback for my bank sending the second of duplicate charges back to Coinbase - which SAS right because I didn't I only authorized one transaction. 

From my research, this has happened to quite a few people. It's shady. Please either restore my ability to buy crytocurrency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Consumer Portfolio Services, Inc.
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
In 2018 I received an inflated bank statement from Citi Bank. At that time I was going through other legal proceedings and family situation. When I received the statement I called the bank to say that the amount did not reflect my spending ; the bank did not acknowledge my indication and stood by its numbers on the statement on the phone. I continued to pay my debt ( s ) with Citi Bank, since I had multiple accounts. I had an excellent credit history with them. They even gave me higher spending credit. Unfortunately, I didnt use the whole credit line, but their statement numbers say that I did. Citi Bank is currently suing me in District Court,  and without providing me with the statements for the year that the discrepancy happened. 
My credit line was XXXX dollars and I owed closer to XXXX dollars.

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 2020-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Pnc account member. Pnc bank will not allow its members to link outside or online financial institutions such as acorns investments. Been trying to for over a year. Customers should have a say or have an option to allow such institutions to access their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Trying to connect my PNC account to XXXX. Unfortunately it seems this is not a possible connection at the moment. I wish it was because I was excited to start learning about investing and it would have been easier for me to do so without having to open a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.

Complaint narrative:
XXXX XXXX XXXX is trying to collect a debt which is not mine, and which might be obtained under my name fraudulently, as I am not living in the US for 6 years and not using XXXX at all because it is not supported in home country which is XXXX. Also, find attached supporting documentation Creditor : XXXX XXXX Account opened : XX/XX/2019 Balance : XXXX $ Account number : XXXX SIMM account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHARLES SCHWAB CORPORATION, THE

Complaint narrative:
on my XXXX report, I have found collection account from Charles Schwab bank, however I do not have any relation to this bank, and account seems to be opened under my name fraudulently, as I am not living in the US for 6 years Date reported : XX/XX/2019 Account number last 4 digits : XXXX The amount owed : 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 2020-07-15 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: CA

Complaint narrative:
There has been unauthorized charges of {$2600.00} on a credit card that I have known as last four ( XXXX ) XXXX Citi Simplicity Credit card, I have contacted their customer care and their security department indicating them of all these bogus charges and to this date nothing has been done about resolving these charges and give me credit on my account, this has been going on since XXXX to this date in XXXX, interest charges, late charges have been added on the total owed on this card. 
I have gathered all my statement and have proof of these bogus unauthorized charges via my monthly statements. 
When I contact their customer care phone number they readily send me to their security department who in turn does nothing to resolve these charges much less investigate them, in this account and another account I made the mistake of authorizing auto-pay from my checking account and I have indicated that I want to terminate the auto-pay but it has fallen in deaf ears and my balance just keeps going up instead of falling after each monthly payment as it should be. 
I do have written proof of all these bogus charges since I open this account I had only one primary charge and never used this card again to buy anything, the card was never activated after the first original charge.

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 2020-07-15 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 conducted a dispute with Experian, XXXX, and XXXX Credit Bureaus as recently as of XX/XX/2020 regarding the XXXX XXXX credit card being reported on my credit report. 
I have spoken to XXXX XXXX cardmember services and confirmed they do not have any information as far as profiles and credit accounts. 
The result they are getting from the creditor is confirmed account information as accurate, and I have yet to see what proof if any, have been used to confirm the account is 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 2020-07-15 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have had a dispute open with American Express since XXXX, they keep saying that it is in process and I have to wait for the company to respond, who also wont respond to me. At this point it has been over 5 months.

Company response to consumer: Closed with monetary relief