vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-02 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: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I have been XXXX  in the XXXX  XXXX  XXXX XXXX at the XXXX XXXX XXXX XXXX since XX/XX/XXXX. I recently obtained a current copy of my credit report to only find out that I've been a victim of Identity theft. I wrote a letter to Synchrony Bank regarding the Home store card open in my name without my knowledge or consent, along with a dispute with supporting documents showing my ( CRC ) consolidated record card along with my prison ID, social security number, a Identity theft sworn affidavits. Where the company said that my personal information match and denied the claim without an active investigation, its response was nothing more then a smoke screen dancing around the issue. Nothing in there response substantiated how I opened this account while being XXXX  for the past 14 years, they haven't sent any credit card to a XXXX. Any address on my credit report is a result of my Identity being stolen. This account has already been deemed fraud by XXXX XXXX XXXX, XXXX on XX/XX/XXXX when it was sold by synchrony bank. And I ask that this company remove this account from my credit report because I had not opened it nor authorized and one to do so.

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 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: GA

Complaint narrative:
Hello, I've applied for a refinance of my mortgage 5 months ago. Less than a month into the process I was approved with conditions. I paid for an appraisal and application fee and i have yet to close on my loan. I've asked the Loan officer and LOA numerous times about the status of my loan. They have not responded to my contact with clear guidance or not at all. My lock has expired for reason not placed on myself. I completely understand the pandemic, holidays, and all but this is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX received an unsolicited credit card application from CapitalOne which included a rebate of {$200.00} after spending and paying for {$500.00} of merchandise. 
XX/XX/XXXX -- applied for card through online portal and was approved for the card XX/XX/XXXX -- received notice that card had been mailed XX/XX/XXXX -- received the card by XXXX XX/XX/XXXX -- activated the card. 
XX/XX/XXXX -- used the card to make a purchase with no problem. Used the card to make another purchase from another vendor and card was declined. Immediately notified CapitalOne, but was unable to speak to a representative who could release the hold on my card. 
XX/XX/XXXX -- finally reached the fraud department, explained the situation two more times and was told the card could only be reinstated if I provided additional documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
I've reached out to LVNV FUNDING on numerous occasions to verify debt. Only thing they have to send me is a last statement. Nothing confirming the debt is valid or even if I signed a contract.

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

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX XXXX XXXX  via regarding the accuracy of the charged-of account that they're reporting to the Transunion and XXXX. 
More specifically, my concern is : 1.This account is only reporting charge-offs in my payment history from XX/XX/XXXX to XX/XX/XXXX. 2. All my good payments history has been deleted from XXXX up until this account was charged off in XXXX. 3 XXXX is reporting a charged off in XXXX and XXXX, Transunion is not. 4 I made a payment in XXXX, so XXXX shouldn't show a charge off in XXXX. 5 How can there be only charge offs reporting but no 30, 60, 90 day lates?? 6 XXXX is reporting a removal date of this account XX/XX/XXXX and Transunion is reporting a removal date on XX/XX/XXXX. This is confusing, there can only be one removal date. 7 The date of first delinquency is not reporting. This account is incomplete, inaccurate and unfair therefore it must be deleted. 
Also, I asked for validation and verification under the FCRA to insure the accuracy of this account and was denied by XXXX XXXX XXXX  for this information which is a violation under the FRCA and th FDCA. See Creditor response letter to verification request.

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 2021-02-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH

Complaint narrative:
I was pressured into a predatory lease with NMAC stating that it would " eat up '' my negative equity. I was told that NMAC would allow me to bring the lease back early and lower my lease payments, or refinance the loan. After paying XXXX for a year and a half and reaching out to the company i realized this was far from the case. During this time I had interruption to income due to health issues and reached out to inform the company that my payments were too high. I was not given any alternatives and was instructed that i could do a voluntary surrender. Against my better judgement and out of my control I allowed NMAC to take back possession of the vehicle to avoid further damage to my credit. I can say that this lease was predatory in nature and nothing was done to help me as the consumer. Since then the car was sold and sold at a high dollar value. This loan is currently charged off but has been refreshed several times. They have also contacted me after the loan was charged off attempting to collect. This lease has been reported to my credit report as 90 days late every month on my credit report since 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
hello and to whom this may concern. hi! my name is XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX. SSN:XXXX and i have contacted Experian countless times and the creditor and cant seem to have them remove this unauthorized credit card off my report, its a cat and mouse game as they keep telling me to call one another back and i'm sick of it! being a XXXX survivor and losing half of my XXXX i feel like i have enough stress in my life other than some simple unauthorized credit card data removal which is part of Experian issue of not helping me! Experian customer service is being NO HELP in this situation and i even find myself being hung up on sometimes its becoming ridiculous! Now when i give them a call back all i do is get a busy signal and i can never get in touch with them! i am now writing to you guys for the formal complaint because i'm hearing you can help me! i will list the Account below which are part of the unauthorized account on my file shown on my credit report which is holding me back from my credit goals etc. i am hoping you can guys can help me out here! look forward from hearing from you guys thank you!! i've read the FCRA countless times and i know my rights, Experian is not helping at all and this is not fair, legally they can't do this to me and they are honestly NO HELP!! here is the unauthorized account as follows XXXX XXXX XXXX with account number XXXX opened on XX/XX/2014 I look forward to hearing from you or seeing a resolution of this being removed from my credit report asap thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
Aqua Finance has placed a lien on my property for a XXXX XXXX. This has been reported to CFPB before and was removed from my Credit report after filing a police report. The information in the contract that Aqua Finance provided me after finding out a lien was on my home at XXXX XXXX XXXX XXXX XXXX TX XXXX is incorrect. The contract states individual account and it list false information. XXXX XXXX XXXX is incorrect and it states he's retired military which is also incorrect because XXXX XXXX XXXX has never served in the military and received XXXX benefits. XXXX XXXX has me listed as an XXXX with 18 years of service. I'm in the XXXX XXXX and was recently promoted to XXXX in XX/XX/2020 and my time in service will be 18 years in XXXX. I have filed a complaint against this company before and it was remove from our credit report only to find out later that they have place a lien on my home. We never signed a contract and the signature on the contract doesn't belong to XXXX XXXX or XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I was recently issued a Chase Freedom XXXX Credit card through JPMorgan Chase. Within the agreement, it says that I have a right to refuse arbitration. To do so, I need to notify JPMorgan Chase within 60 days of my account opening, in writing with my name, account number, address, and personal signature. Any other method, including orally or by electronic mail, would not be accepted or effective. Due to the coronavirus pandemic, the postal delivery is simply too slow to ensure delivery of my right to refusal before the 60 day cutoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
hello and to whom this may concern. hi! my name is XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX. SSN:XXXX and i have contacted XXXX countless times and the creditor and cant seem to have them remove this unauthorized credit card off my report, its a cat and mouse game as they keep telling me to call one another back and i'm sick of it! being a XXXX survivor and losing half of my XXXX i feel like i have enough stress in my life other than some simple unauthorized credit card data removal which is part of XXXX issue of not helping me! XXXX  customer service is being NO HELP in this situation and i even find myself being hung up on sometimes its becoming ridiculous! Now when i give them a call back all i do is get a busy signal and i can never get in touch with them! i am now writing to you guys for the formal complaint because i'm hearing you can help me! i will list the Account below which are part of the unauthorized account on my file shown on my credit report which is holding me back from my credit goals etc. i am hoping you can guys can help me out here! look forward from hearing from you guys thank you!! i've read the FCRA countless times and i know my rights, XXXX  is not helping at all and this is not fair, legally they can't do this to me and they are honestly NO HELP!! here is the unauthorized account as follows XXXX XXXX XXXX with account number XXXX opened on XX/XX/2014 I look forward to hearing from you or seeing a resolution of this being removed from my credit report asap thank you!

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

Complaint narrative:
hello and to whom this may concern. hi! my name is XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX. SSN:XXXX and i have contacted Equifax countless times and the creditor and cant seem to have them remove this unauthorized credit card off my report, its a cat and mouse game as they keep telling me to call one another back and i'm sick of it! being a XXXX survivor and losing half of my XXXX i feel like i have enough stress in my life other than some simple unauthorized credit card data removal which is part of Equifax issue of not helping me! Equifax customer service is being NO HELP in this situation and i even find myself being hung up on sometimes its becoming ridiculous! Now when i give them a call back all i do is get a busy signal and i can never get in touch with them! i am now writing to you guys for the formal complaint because i'm hearing you can help me! i will list the Account below which are part of the unauthorized account on my file shown on my credit report which is holding me back from my credit goals etc. i am hoping you can guys can help me out here! look forward from hearing from you guys thank you!! i've read the FCRA countless times and i know my rights, Equifax is not helping at all and this is not fair, legally they can't do this to me and they are honestly NO HELP!! here is the unauthorized account as follows XXXX XXXX XXXX with account number XXXX opened on XX/XX/2014 I look forward to hearing from you or seeing a resolution of this being removed from my credit report asap thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: EAST WEST BANK
State: CA

Complaint narrative:
I want to close my East west XXXX checking account ending in XXXX, I called the Bank on Friday XX/XX/2020 to close the Account, the customer service agent said I will have to go to the bank to close the Account. I don't understand why this Bank makes you go for ever small thing to the Bank, and specially in this Coronavirus. This is crazy. 

Even when I had to apply for the credit card, I had to go to the branch personally. I have already deposited the check in my another Bank Account and all funds will be taken out of East West Bank on XX/XX/2020, I want my Account to be closed by that date.

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 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XX/XX/2020 we contacted Sun Trust now Truist that we would like to terminate our private mortgage insurance under the Home Owners Protection Act. We received a letter from SunTrust that our request had been denied because we did not meet the requirements because our payment history did not qualify, stating that we had a payment that was 60 days or more past due within the first 12 months of the last 2 years prior to the cancellation date. I replied back to the letter via email and explained to there must be something in error because we had never been late on our mortgage payment. The only time we did not pay as scheduled was when we were given the option by the lender to participate in a forbearance program during the height of the pandemic. We were never told that if we participate in the forbearance program that was authorized and backed by the federal government that we would not be eligible to participate in the Home Owners Protection Act even though our home meets the 80 % of the original value of our property. After sending an email to the person listed on the denial letter as our home owner client representative asking for an explanation, there has been no reply or calls from SunTrust now Truist.

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 2021-02-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: CA

Complaint narrative:
XX/XX/2021 : I sent Notarised : Affidavit of Truth : Nelnet Cease and Desist Debt Validation Letter Invoice 0f violations, 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692d ( 1 ) 15 USC 1692f ( 8 ), and 15 USC 1681b ( 2 ), Invoice total {$5000.00} payable by check

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America wrongfully closed my XXXX Benefits account and has held my remaining balance. Calls to Bank of America get new nowhere ; they continue to say call EDD unemployment office and that there is nothing they can do. The XXXX office has confirm there is NOTHING WRONG with my benefits claim, my identity is confirmed, and has switched my payments to paper checks that way Bank of America can no longer steal my money! There was {$2900.00} on my card and Bank of America has/are not returning it! In XX/XX/XXXX my card was compromised and hackers transferred {$5000.00} out the account to another Bank of America account. I filed a police report and reported to Bank of America via the number on back of card. A few weeks later the funds were sent back to my as a courtesy while investigation continued. Since XXXX I have been continuing to receive my eligible state benefits through Bank of America, and just yesterday was sent the payment for PUEC extension week ending XX/XX/XXXX, but when trying get updated balance I find out my account is closed. According to many news sites this seems to be a huge issue with Bank of America prepaid for XXXX, matter of fact there is a class action lawsuit for this exact case happening to thousands of others. I NEED MY MONEY BACK! 

https : XXXX? XXXX 

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX 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 monetary relief
Consumer complaint received 2021-02-02 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: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I opened a ticket with the Coinbase.com the online exchange for Cryptocurrency trading as I was unable to log in to my account using my computer while I had the App on my phone working due to the facial recognition to log in to the account active. 

However, the activity I needed to do required me to log into the account and check the details. Coinbase automated responses directed me to follow on screen instructions that kept me going in circles without success. I opened additional tickets after waiting for 24 hours when coinbase did not respond with the account password reset instructions nor ability to reach a human being who can help address the issue. This continued day after day each each time I send an email receive an automated email sending the exact same information that will not resolve the issue. Eventually on XX/XX/XXXX I received an email telling me that an account specialist is looking into my issue and it will be resolved in 3 to 5 working days. 
Since, then I have heard nothing more from Coinbase to all my follow up emails. As a result on XX/XX/XXXX when Bitcoin price reached its XXXX at {$41000.00} I could not sell any of my bitcoins. All my efforts to contact Coindesk have ended in sheer frustration as there is no way to reach any one at the company. No one responds to the emails and I find my self held hostage and unable to access my money that they have locked up in the wallet and I do not know if they will ever give me access to my account. I believe they are not acting in the best interest of their customers but, are only thinking about how to make more money by using locked money in my account. 

I have record of all my emails sent to Coinbase available to support above claims and I need your assistance to resolve this issue ASAP. 

Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-02 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: NY

Complaint narrative:
Under section 609 of the FCRA, I am entitled to know how the information on my credit report is verified. When I previously disputed this account on my report, it came back verified. I sent a validation of letter to the company via certified mail on XX/XX/2020 and they still haven't responded. So my question is how was this information verified? There was no way for you to have verified this debt because I haven't stated that it was mine. Under 15 USC 1602 ( g ), a creditor refers to natural person. A corporation can not be a natural person therefore they can be a creditor so they are unable to verify any account or debt. I am the original creditor and this account on my report is not validated nor verifiable by me. Remove it immediately from my report. May I remind you that stating that this account is verified without the proper investigation is violation under federal law and is adverse action taken against the consumer. This is a serious crime punishable by litigation and subject to monetary compensation.

Company response to consumer: Closed with explanation