vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
I recently reached out to Apple/Goldman Sachs via chat. I reached out regarding a billing error as well as my open ended credit. To further I expressed to them my consumer rights.

I have an open end consumer credit plan with Apple/ Goldman Sachs bank . It is expressed that I have an outstanding balance. I am asserting my consumer rights and demanding that Apple/Goldman Sachs balance out the balance each month, credit and/or make adjustments to the account, and send me the balance in check every month. In Title 15 U.S. Code 1602- Definitions and Rules of Construction ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. Per Title 15 U.S Code 1666d. Treatment of credit balances -Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: MO

Complaint narrative:
All bureaus listed on the FTC website remain and non-compliance status with several complaints previously filed. They repeatedly take longer than 30 days without a reasonable explanation and they are not carbon copying the consumer as required by law. When they do carbon copy the consumer they were openly refused to comply and violate the fcra repeatedly by playing this match the database and push Buttons game with people. You never volunteer information any information for my driver 's license is out of state so I don't want to hear the XXXX  XXXX. Would you like to see the storage receipt that my father had to pay last month?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Reviewed my report and found on the inquiry section a inquiry not made by me. Contacted both XXXX  and chase bank services. Chase agrees I have never applied for any of their services and said they notified XXXX  and that XXXX denied that it appeared on my report. I ask for a letter confirming that and they stated they couldnt send me anything to acknowledge this. Hung up called XXXX who then tells me they need a letter from chase. I keep getting the run around. It was put on my report on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
NFCU sold me a products and services that wasn't authorized to sell me at the time by SCC of Virginia as told me and voicemail left by Mr XXXX XXXX connected to the loan dating back to the first deduction XX/XX/XXXX from my checking account/credit card. Financial statemens from Navy Federal Credit Union proves the deductions XXXX monthly and XXXX moth dating back to XXXX to XXXX. I requested a FOIA Act and fradulent conditions against me as a member and a customer of Navy Federal Credit Union without my knowledge of knowing it committed fraud by selling me a financial product that they reported on my bank statements as Disability/ IU/AD knowing the product and services wasn't insured nor regulated by SCC Of Virginia Bureau of Insurance according to Mr XXXX XXXX while NFCU were receiving and charging me illegal payments of XXXX for products and services that never existed while allowing me to believe that I was purchased products and services that weren't licensed by Virginia Bureau of Virginia. This is Fraud and XXXX and NFCU through emails FOIA Act proves they both acted illegally to hide this FRAUD.. This caused me Hardships and causing my checking account to be overdrawn charging me XXXX repeatedly dating back to XX/XX/XXXX. 
While my health insurance and finances caused credit report to deny loans after 30 day notices. This was reported to Mrs XXXX XXXX XX/XX/XXXX and her secretary responded about GAP INSURANCE POLICY that NFCU GAP loan documents stated weren't included but resulted in Payment from GAP. that I also was charged for. NFCU has without my permission to misappropriate my funds through mail fraud and without license to sell products and services to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MoneyLion Inc.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The 3 Credit Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: EQUIFAX, INC.
State: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AK

Complaint narrative:
On the XXXX of XX/XX/2021 I called SLS Mortgage Company in Arizona to check up on the status on my new refund check that I'm supposed to receive a few weeks back. Check # XXXX issued my check with my last name spelled wrong. This issue has been going on since XX/XX/2021. My local bank teller couldn't deposit the check because my last name has been spelled wrong. I tried calling several times when I have free time to call the SLS mortgage escrow department, because I'm enrolled in a XXXX XXXX XXXX in Texas XXXX XXXX  XXXX and my mobile phone must be shut off during XXXX XXXX. The agent I talked to SLS Mortgage Escrow Department is XXXX, Employee # XXXX. XXXX was unethical and discourteous when I asked her about the check that was issued to me that had my last name spelled wrong. XXXX was verbally rude over the phone and asked me that it takes 14 days to re issued the check to me. I tried to explain to her that I have called last 2 weeks ago and the agent XXXX XXXX talked too, said it's been mailed to my address with my last name spelled correctly. I explained to XXXX that this issue has been going on since XX/XX/2021 and I told her I will report her to Better Business Bureau, Federal Trade Commission, and the Consumer Financial Protection Bureau for mistreating their customer and false information from different employees saying my check has been re issued to me. XXXX verbally guffaw and told me that I shouldn't report to three bureaus because SLS mortgage wont work with those complaints that I have filed. XXXX told me she is the Manager of the Escrow department and told me it's not necessary to file a complaint. On the XXXX of XX/XX/2021 I called the SLS Mortgage Escrow Department to check up on my status. XXXX answered my call and told me that the new check been reissued to me hasn't been made yet. I told her that XXXX is supposed to fix my check with my last name spelled correctly. XXXX reached out to XXXX at the XXXX department, and I waited for over 10 minutes on hold. Unfortunately, XXXX told me XXXX hasn't issued me a new check with my last name on it. XXXX told me to call back in 5 days. This is outrageous and very frustrated when I have different SLS employees told me that my check has been re issued and now I have been neglected by SLS Employees and my check hasn't been processed with my correct last name. I am a XXXX XXXX Veteran that served 12 years XXXX XXXX with a double XXXX XXXX XXXX in XXXX XXXX  and XXXX  XXXX. I now completed my XXXX XXXX XXXX at Texas XXXX XXXX XXXX. SLS Mortgage Company should retrain their employees in customer service and good ethical background on how to handle their customers in a professional attitude. Please investigate. 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 2021-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, at around XXXX CST, my Coinbase account was hacked, and hacker stole {$16000.00} worth of Bitcoin ( XXXX Bitcoin ) by making XXXX outgoing transfers to outside wallets ( see Coinbase transaction log attached ). To do this, they reset my Coinbase password and changed my XXXX setting from a new device with IP address XXXX in XXXX XXXX ( see Coinbase activity log attached ). At this point, I was out locked out of my account completely because they changed my log-in credential and XXXX verification method. They then proceeded to convert all my coins into Bitcoin and made XXXX outgoing transfers in Bitcoin to outside wallets. This happened in matter of 18 minutes while I was sleeping, not hours, not days. Total lost = XXXX Bitcoin. I contacted Coinbase immediately about the fraudulent account access and unauthorized transactions when I checked my email and saw the fraudulent outgoing transfers. Coinbase acknowledged that my account was hacked but refused to reimburse the fund that was stolen from me.

What is more outrageous is that the hacker used my bank account linked to Coinbase to purchase {$1000.00} worth of Bitcoin and I asked my bank to void the fraudulent transaction on XX/XX/XXXX. Now Coinbase is asking me to pay them because my bank did not pay for the transaction, as they should not.

Per Coinbase password reset policy found at https : //help.coinbase.com/en/coinbase/managing-my-account/get-back-into-my-account/reset-my-password, Coinbase stated that : " As a security precaution, if you reset your password from a new device, you wont be able to send crypto from your account for up to 48 hours. To avoid this send restriction, request a password reset from a previously authorized device. '' Coinbase violated their own safety protocol as they allowed the hacker to reset my Coinbase password from a new device with IP address XXXX in XXXX XXXX and the hacker was able to make XXXX sends of cryto to outside wallet immediately after a password change from a new device. Coinbase did not follow their own policy of 48-hour waiting period as stated above after a password change from a new device. If they were to follow their own safety protocol, I would have time to see the fraudulent password reset and take action to secure my account to prevent fraudulent transactions. What is more troubling is that Coinbase system did not flag the 152 transactions performed in 18 minutes as fraudulent or suspicious activity. This is gross negligence from Coinbase and I'm asking Coinbase to take responsibility and reimburse my account for the lost fund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CMM of Louisiana, LLC
State: MS

Complaint narrative:
Over the past 2 weeks I have received repeated, harassing calls from representatives at XXXX XXXX XXXX asking me to settle with them on an account from their client Cash Time. 

Today 's call XX/XX/2021, came from XXXX who advised me that the calls would not stop and they would continue to call until a payment is made, after I advised that I knew of no debt that I had with this company. In addition, I have repeatedly asked for written documentation ( a signed contract showing that I indeed have business with this company to be mailed to me ), and they refuse and advise that they can email me documents. 

The email address is not mine and the one that they provide me with further proves that this is not my account and that it is a mistake. XXXX was extremely rude and I would like the calls to STOP. This company does not have accurate information and wanted me to provide them with my information.

Company response to consumer: Untimely response
Consumer complaint received 2021-10-18 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: EQUIFAX, INC.
State: MI

Complaint narrative:
After reviewing my file Equifax has helvey and associates reporting as Miscellaneous Reporting Agency which is not a closed date and has no information. Therefore Equifax has reported inaccurate information on my credit report and a violation under fcra. Equifax must remove that item immediately from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I paid this credit card off months ago. When I had originally applied there as no annual fee. I never received a bill, email or phone call asking me for the {$39.00} annual fee. They are now charging me 2 late fees @ {$40.00} each for an annual fee, not a purchase of any kind. So my total due is no {$100.00} and the min fee is {$99.00}, thats almost the entire bill. I attempted to call their customer service stating I would pay the annual fee immediately, yet I believed it only descent to discard the late fees. They would stated no. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: MI

Complaint narrative:
I applied for a US bank credit card on XX/XX/21 from their promotional website promising {$500.00} in rewards for spending {$3000.00} within a 120 day time period. When I received the card I found that the card had a credit limit of {$500.00} ( see attachments ). When I called to complain to US bank I was offered no explanation other than to speak with their underwriting dept and was transferred to that department but left on hold for 12 minutes and then disconnected.I called back to speak with a supervisor ( XXXX? ) who was no help whatsoever and said it was still technically possible to reach the bonus even with a XXXX spending limit. I told her my credit score is 800+ and there would be no reason for the spending cap other than just a bait and switch tactic on the part of the bank and of course I would never have applied in the first place if I thought this would happen. On top of everything, the card has an annual fee ( waived the first year ). The conversation was recorded by the bank so they should have record of my call.

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 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: WI

Complaint narrative:
My account shows that it was charged off, I believe this occurred while I was unemployed and wasn't receiving benefits which I did explain to them when it was happening. Nevertheless, I am finally able to settle the account and would do so if they remove the blemish from my credit report. They informed me on XXXX at approx. XXXX XXXX  CT they can not do that but did acknowledge they are responsible for the credit reporting note. 

They originated the account and hold the debt but said they are unable to negotiate any settlement. But I still have a blemish and no means of removing the mark from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later i have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
All bureaus listed on the FTC website remain and non-compliance status with several complaints previously filed. They repeatedly take longer than 30 days without a reasonable explanation and they are not carbon copying the consumer as required by law. When they do carbon copy the consumer they were openly refused to comply and violate the fcra repeatedly by playing this match the database and push Buttons game with people. You never volunteer information any information for my driver 's license is out of state so I don't want to hear the XXXX  XXXX. Would you like to see the storage receipt that my father had to pay last month?

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 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
All bureaus listed on the FTC website remain and non-compliance status with several complaints previously filed. They repeatedly take longer than 30 days without a reasonable explanation and they are not carbon copying the consumer as required by law. When they do carbon copy the consumer they were openly refused to comply and violate the fcra repeatedly by playing this match the database and push Buttons game with people. You never volunteer information any information for my driver 's license is out of state so I don't want to hear the XXXX  XXXX. Would you like to see the storage receipt that my father had to pay last month?

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