vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: MO

Complaint narrative:
Some time before XX/XX/2021 I activated a cashback offer from XXXX XXXX that would grant 20 % cashback on purchases over {$50.00}. The offer was set to expire XX/XX/2021. 
I received a notification sometime between XX/XX/2021 and XX/XX/2021 stating that my offer was about to expire, and made a note to myself to shop for glasses and contacts. 

On XX/XX/2021 I made XXXX purchases to to XXXX XXXX in the amounts of {$5.00}, {$100.00} and {$38.00}. The receipts all show the transaction as paid on XX/XX/2021, The processing of the transactions show as cleared on XX/XX/2021. I expected a cashback of {$20.00} to reflect in my account. 

On XX/XX/2021 while skimming through new offers in the GPay app I noticed another XXXX XXXX offer and activated it. Then went to check on the status of the cashback for the previous offer. It was not there. I attempted to contact support through the app several times over the next few days, and I was not successful. 

On XXXX I was able to get a hold of support via the browser, TO which I feel like I have gotten the run around. They have told me that there wasn't a XXXX XXXX offer then. I responded showing it listed as an offer in XXXX. https : XXXX # The_Offer They then told me that I activated it on XX/XX/XXXX. I reiterated that I activated a separate second offer on that date. and that I was looking for help with the offer that expired on XX/XX/2021, not the one expiring on XX/XX/2021. And I referred back to the fact that I got a notification for the expiring offer and to the link showing the offer listed in XXXX showing the expiration of XX/XX/2021. 
I then asked for a list of all offer that I had activated in the past, they pointed me to the list of currently activated offers I reiterated that I wanted to see all the offers I had previously activated not just the ones that are currently active. 
I asked for a transcript of the chat conversation to be sent, it was not and I can't attach it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
There were two data breaches which included my name, social security, date of birth and all my details. First one from the US Government OPM and the second from XXXX Credit Bureau. 

In XXXX I changed my last name from XXXX to XXXX. 

In XX/XX/XXXX I tried open a checking account with Capital One 360 and to my surprise someone had opened an account in XX/XX/XXXX with my previous last name XXXX. I checked on my fraud alerts from OPM US Govt. and sure enough someone had fraudulently used my data and opened an account and had also tried to get loans from several banks but fortunately all turned the criminal down because I did not have good credit. Someone had stolen my old identity. 

I immediately contacted Capital One to notify them of a fraudulent account about 4 times and also wrote a letter to them providing them copies of old and new identity and they refused to do anything about it. Their final claim was that they only care about the social security number and not about the last name, therefore whoever opened the account is allowed to stay on ( though they are a fraud and criminal ). 

I am left with no choice but to seek your help and I have also enlisted all the available resources in reporting this scam to avoid further harm to my credit. To date nothing has appeared on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
We paid these two debts through XXXX XXXX. Both have been settled and paid. I have faxed proof of these settlements to Midland and they have acknowledged that to me verbally. I was told they had received the information and were working on it. 

They keep asking for the money, then they understand my frustration, then they will check it out, then nothing until another collection call. I want this cleared up and acknowledgement from them it is corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: I.C. System, Inc.
State: VA

Complaint narrative:
IC systems and XXXX has an account. I sent out dispute letters and I spoke to someone in that Dept. Asking to remove this account.

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 2021-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX became our new lender after processing through XXXX  On XX/XX/XXXX ( we received XX/XX/XXXX ), we received a Goodbye Letter with XXXX  and XXXX XXXX XXXX sharing the letter head indicating that XXXX XXXX XXXX purchased our newly refinanced mortgage from XXXXe XXXX XXXX ( XXXX  ). XXXX, in the Goodbye Letter, did not accurate indicate our new mortgage account number and also inaccurately represented the due date of the new mortgage with our new mortgage company. I had to research the correct number with XXXX and ensure that our first payment with them was on time. 

During this process, XXXX XXXX XXXX AND XXXX XXXX XXXX BOTH reported an active mortgage to XXXX XXXX and TransUnion. We have ( my husband XXXX XXXX XXXX and I, XXXX XXXX XXXX XXXX, in effect, a gross discrepancy, an egregious financial reporting error, of {$220000.00} in a mortgage which no longer exists, and a monthly payment which no longer exists. 

XXXX XXXX XXXX closed on the sale of our mortgage FROM XXXX XXXX XXXX on XX/XX/2021. Today is XX/XX/2021. After filing disputes with all three credit reporting agencies, today we STILL have duplicate trade lines, and XXXX XXXX XXXX, after at least 5 emails and phone calls, HAS NOT CORRECTED the mistake. I'm a small business which needs a lines of credit and working capital. My credit rating plunged 100 points because of this error. It has partially but not wholly recovered. It was WELL OVER XXXX points ; it remains from XXXX to XXXX. Unacceptable.

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 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I HAVE CONTACTED YOUR COMPANY TO GET THIS RESOLVED AND RECEIVED NO SOLUTION. 

UNDER 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX, never gave any written consent to report anything on my consumer report. NO CONSENT IS IDENTITY THEFT. 

Concerning the following accounts below as a consumer, I'm demanding them to be DELETED from this account. 

XXXX {$53.00} # XXXX XXXX {$520.00} # 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 2021-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: DigniFi
State: MO

Complaint narrative:
THe website for dignifi clearly states a 0 % interest deferred 6 month line of credit for work on cars at XXXX dealership. Once i applied i was told i was only getting 90 day waiver for interest, and when pressed both the CSR and Manager they said that is not offered despite showing it on the application that i followed to finance auto repair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Been trying to contact Citibank fraud dept for days now, XX/XX/XXXX - till today XX/XX/XXXX, keep getting a run around I call the branch they say they are doing the same to them. I call they say they unblocked my account ; still cant use my own money. No verification process and no one is there to help keep hanging up on 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 2021-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My FICO score on XXXX is reporting a debt on my mortgage of : {$370000.00} On the other hand on the Wells Fargo website ( they are the administrators of my mortgage ) they report a debt of : {$350000.00}

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 explanation
Consumer complaint received 2021-06-22 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: CO

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Received a check for XXXX from XXXX XXXX XXXX XXXX Consent Order QSF Settlement agreement/Tracking number XXXX XXXX/Loan number XXXX. Deposit was made into Wells Fargo XXXX XXXX 2021 and funds were made available the next business day. Wells Fargo then reversed the deposit mid-day and placed a XXXX day hold on on the check, which caused our account to be overdrawn {$1800.00}. I verified with the drawee bank, XXXX XXXX, that sufficient funds existed to pay the check and I verified with XXXX that the check was cashed on XX/XX/2021, since Wells Fargo indicated there was something with the maker of the check ( a national mortgage company ) Wells Fargo still has not released our funds. Wells Fargo is not a good bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
COINBASE ACCOUNT COMPRIMISED CASE # XXXX On Friday XX/XX/2021 my personal Coinbase account was hacked and 8 Crypto Currencies from my account. Access to my account began on this particular evening and 43 login failures were logged onto my Coinbase Account activity before Coinbase granted access on the 44 attempts at XXXX XXXX  that evening. 
Over the course of 20 minutes the hacker proceeded to drain my account of 8 Crypto Currencies valued at just over {$3.00} XXXX USD. 
Upon the time I figured out my account was hacked and property stolen I had my account locked and reported this incident to Coinbase. 
I received a couple generic replies to my 9 emails to Coinbase, I can not get anyone from the Company to discuss this terrible event with me. 
LIST OF MY CRYPTO STOLEN : 1- ETH Ethereum XXXX Coins ( Value $ XXXXUSD ) 2- BTC Bitcoin XXXX Coins ( Value {$600000.00} USD ) 3- BCH Bitcoin Cash XXXX Coins ( Value {$410000.00} USD ) 4- LINK Chain Link XXXX Coins ( Value {$140000.00} USD ) 5XXXX SNX Synthetic Network XXXX Coins ( Value {$96000.00} USD ) 6- XTZ Tezos XXXX Coins ( Value {$51000.00} USD ) 7- SUSHI Sushi Swap XXXX Coins ( Value {$24000.00} USD ) XXXX XXXX XXXX XXXX Coins ( Value {$57000.00} USD XXXX Total Value of withdrawals on XX/XX/2021 = {>= $1,000,000} It has been 26 days since my account was hacked and money stolen and still no communication with Coinbase. Today I have sent a complaint letter addressed to the CEO, XXXX XXXX and their Legal Officer, XXXX XXXX XXXX. Any assistance to help resolve this matter is greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: DAS ACQUISITION COMPANY, LLC
State: OH

Complaint narrative:
We were pre-approved for an fha loan by a lender at USA mortgage in the beginning of XX/XX/2021. We were sent a pre-approval letter as well as our realtor thay was assigned to us by the lender at the company. We were told to go and make offers and find our home. We look for weeks, looked at many homes found one, made an offer didn't get it. We kept looking then we found the one. Made the offer told the loan officer about it he gave us number like what to expect for mortgage payments and such and then our offer was accepted. Now we are at the end of the closing process and the lender calls abd says there is an issue on the XXXX report. Not denying there is, however, we asked why this report wasn't ran wheb we were pre-approved and were told via text message, " a XXXX report can not be ran until a fha case number is assigned and in order to do that you need to be in contract '' so my grievance is : we were lied to about the XXXX report not being able to be ran, we were told to get into this binding contract and started packing and investing money into loving into this home and USA mortgage is the reason we entered the contract in the first place. I fear litigation charges from the seller as they called weeks ago told us there was an issue. Called right back within 5 minutes and said they were mistaken everything was fine, then last week they finally ran the XXXX  days before closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
We paid these two debts through XXXX XXXX. Both have been settled and paid. I have faxed proof of these settlements to XXXX and they have acknowledged that to me verbally. I was told they had received the information and were working on it. 

They keep asking for the money, then they understand my frustration, then they will check it out, then nothing until another collection call. I want this cleared up and acknowledgement from them it is corrected.

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 2021-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I applied for a mortgage and a debt collection agency was on my account for a paypal credit card that is under a different name. Synchrony bank acknowledges that the person who opened the account is paying and her name is XXXX XXXX XXXX, but they will not send a letter to the debt collector or the credit bureau stating that this was erroneous for up to 60 days. This was their mistake. That isn't even my name. It is ruining my credit and keeping me from getting a home. The account with synchrony isn't even on my credit report! The reference number is XXXX with synchrony.

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 2021-06-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
This complaint is related to my XXXX XXXX ( CD ) with Wells Fargo. I contacted them on XX/XX/2021 via telephone to close out my CD account. I was told this is not something we can do over the phone that I would have to go into a branch office. I told them we don't have a branch office in my town and the account was opened online and I should be able to close it over the phone. They then told me I would have to send in a notarized request to close the account. I asked if it was okay to notarize the request myself since I'm a XXXX and they confirmed it would be okay. On XX/XX/2021 I contacted them to see what the status of my request was. They didn't have any information for me but did tell me that in order to close the account I would have to send a written and notarized request which should also include the affirmation that I was aware and acknowledged there would be an interest penalty. I asked if I could file a formal complaint because the two people I talked to before had not informed me of that. In the meantime I was able to download a preprinted request to close my account. I filled it out and had it notarized and sent it again today. Additionally I initialed the form acknowledging I was aware of the interest penalty. Today, XX/XX/2021 I received a letter stating that I had to resend my request and have it notarized. Additionally they wanted me to call and confirm my identity. After talking to two people yesterday neither one of them asked me to confirm my identity! I'm tired of the run around and just want to close my account out~ I am a senior citizen and I feel that I've been given much wrong information and I want others to refrain from putting money in a Wells Fargo CD XXXX  account. I'm attaching the original letter sent on XX/XX/2021 and the second letter sent on XX/XX/2021 and the follow-up letter received from them on XX/XX/2021

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 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX notified me of an inquiry on my Equifax credit report. When I contacted Equifax on XX/XX/2021 dispute this error, they closed the dispute within twelve hours, responding that it was a factual record of file access. 

I had informed Equifax that I never authorized a credit report " pull '' to XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX ) nor have I authorized Any company to pull my credit in the last 180 days. They chose to ignore my pleas that this access is fraudulent and my concerns that it will be used to commit fraud that may cause monetary damage to me. 

Equifax has offered to sell me a product that notifies my by text message for $ XXXX/month as a remedy to this dispute. I need the CFPB 's assistance to remedy this issue and prevent this from happening to other consumers. 

I have also contacted XXXX XXXX, XXXX but there is no way to get a hold of a human being so I left a message. 

Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a loan with CITICARDS CBNA and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CITICARDS CBNA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX  and CITICARDS CBNA with no successful resolution. XXXX, XXXX  and XXXX  reporting me having late payments. There was an error on their part. I was never late.

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