vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
An individual accessed my online banking attempted to use XXXX, added a bill pay recipient, changed my address on file, and attempted to fraudulently deposit 2 checks each in the amount of {$1500.00} around XX/XX/XXXX. On XX/XX/XXXX, my account was frozen. I contacted Suntrust 's fraud department on XXXX stating the fraud and was informed it would be escalated with resolution in 2-3 days : the companys interests are held superior to their clients interests. 

A follow up on XX/XX/XXXX yielded no further information, but I am the victim of Identity Theft in the amount of {>= $1,000,000} to utilize for the policing of these wanton, reckless, and negligent organizations. 

Suntrust was already informed of their rights as concerned with the law : theft is preventing access to funds that are rightfully the property of said individual. The contracts written contain fine print and do not meet the definition of conscionable due to non-disclosure of said terms including their universal applicability : selective application is a criminal activity. 

In the case of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX al the following banks were found guilty of disability discrimination : XXXX XXXX XXXX XXXX The continued criminal theft and drug deals have been overlooked due to ample legal and monetary resources protecting illicit operations. Unfortunately, case law denotes, XXXX v. XXXX, their guilt regardless of their stance and comprehensive argumentation.

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 2021-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
on XX/XX/XXXX i deposited {$2000.00} dollars into a chase atm outside of a chase bank. the atm broke upon depositing the cash and gave me a transaction id receipt. i contacted chase and they said theyd file a claim. they did and the claim said the atm tech went out to examine the issue and couldnt find the money. now i have filed a police report and escalated the claim. the atm undoubtedly has visual evidence of me depositing SOME cash into the atm. at this point im looking into getting a lawyer to subpeona to get the footage from chase since they refuse to investigate internally.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-11 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: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them and they just decided to close my account right away without giving me the chance of defending my side, " stating that the decision has already been made final '' in an instant without due process. However I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and TD Bank USA/Targetcred, XXXX XXXX, and XXXX XXXX. The Account Opened is TD Bank USA/Targetcred Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6200.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I ( XXXX XXXX ) deposited XXXX XXXX dollars into an account with Robinhood ( RH ) Financial, Llc. The money cleared my bank account on XX/XX/XXXX. My account has been frozen since XX/XX/XXXX. I can not access the account. I have tried in vain to get in contact with someone through email and phone. They have ignored my request to cancel the account and return my funds. They have responded once by sending me an email to verify my identity. I sent the required information twice. No reply has come from them at this point. I was able to set up the account ( which means I had to send all of the same information when I started the account ) in 24 hours. 24 hours to verify my ID to set it up but over5 days, and counting, to let me back into the account. I have read several complaints about being locked out from 1000s of others on XXXX and on their app reviews. This is criminal to take money then lock people out of their accounts. They are taking money and using it for themselves. This is the complete opposite of what robinhood did. Please send to prosecute for theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: ASSOCIATED BANC-CORP
State: MN

Complaint narrative:
my name is XXXX XXXX, I previously started this complaint earlier today with XXXX XXXX Employee XXXX ), but he hung up on me before the complaint process could be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
I currently have a trading account with the trading app Robinhood. I have tried to withdraw money from the account and transfer it to my bank account several times. Without explanation my account was restricted and I am unable to withdraw the money. I have reached out to customer support several times since the beginning of XXXX and have yet to receive and response or explanation. This is absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: U.S. BANCORP
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX  XXXX, US Bank, and XXXX XXXX. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00}. The Account Opened is US Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6200.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11 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: GA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXo XX/XX/XXXX XXXX  XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NETWORK CAPITAL FUNDING CORP
State: AZ

Complaint narrative:
After making 6 months of payments with Network Capital, I am attempting to refinance house with new lender. Network Capital is refusing to send payoff statement and not providing any correspondence on why the payoff is being held XXXX. Notice of error was sent out on XX/XX/2021 and have received no feedback from company. When contacting customer service they have repeatedly gave me numbers that are not in service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Portfolio Recovery Association and XXXX XXXX XXXX. The Account Opened is Portfolio Recovery Association Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00}. The Account Opened is Portfolio Recovery Association Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$680.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I qualified for the Santander Multi-state settlement for a loan forgiveness and Santander has yet to accommodate me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Clear Mortgage Capital, Inc.
State: CA

Complaint narrative:
I applied with Clear Mortgage Capital ( XXXX XXXXXXXX XXXX mortgage originator ) to refinance my home in XX/XX/2021. On XX/XX/XXXX, I was provided a favorable mortgage disclosure of loan fees and credits after lender review of my credit, debt and income. Around XX/XX/XXXX, I was prompted to promptly sign a different mortgage disclosure estimate with a {$1700.00} increased pricing adjustment. After disputing the increased fees, the Loan Officer, XXXX XXXX, justified the increase to XXXX XXXX need to subordinate the new loan because of an existing Solar Panel lien on my home. After I explained that the XXXX XXXX XXXX  company confirms their willingness to subordinate their 6 year old lien and that XXXX XXXX  would be in sole lien position as expected, he later responded that any subordination triggers a price adjustment increase and that I have 12 days remaining to accept or reject the loan. 

After applying for a straight refinance for a minor ( .46 % ) interest rate reduction, submitting all reqested personal credit and financial information, and receiving a favorable mortgage loan disclosure estimate from Clear Mortgage Capital, I was surprised and disappointed to receive a subsequent disclosure increase with no logical connection to my credit, debt and financial standing. My experience from this encounter feels like a " bait & switch encounter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
I keep receiving letters and bills from Commonwealth

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a XXXX XXXX  account and on the bank website they offer your credit score thru a portal called XXXX XXXX. I have check my score every week for the last couple of years. Over that time my score has gone up slowly 1 or 2 points here and there. This past week when I checked my score it had gone done by 64 points. I waited a week thinking there my be a problem with the bank website ( XXXX ). Then I checked all 3 of my Credit Reports ( XXXX, Experian and XXXX  ) and nothing has changed on my reports except that my loan balances have gone down each month as expected. I did not submit a loan application, I did not request a credit card, I did nothing different. The only changes in my life that happened in the past year is that I retired XX/XX/2021 and I change Car Insurance companies on XX/XX/2021. I wonder if there is/was a problem with XXXX XXXX and that maybe it had been reporting inaccurate information. Any information that you can provide into the reason for this drastic drop in my credit score would be greatly appreciated, Thank you and have a great weekend. 

P.S. My Life ( XXXX XXXX ) score drop by XXXX points at about the same time. 

Email address : XXXX or XXXX Cell # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: FL

Complaint narrative:
I received a debit/credit card in the mail for my Virginia state tax refund in the amount of {$580.00}. Shortly thereafter, I moved and put the letter with card attached in a moving box. I DID NOT activate the card or do anything with the letter and card. I decided to take care of it after my move. 

I recently found the card after unpacking boxes that were stored in my office storage room for a few years. The card had expired. I called the Go Program to find out if I could get a new card issued to me. I was told the balance was {$310.00} because I had activated the card years ago and was charged a {$5.00} per month inactivity fee. I NEVER activated the card.

After speaking with numerous agents and at least two people who called themselves supervisors, being kept on hold for a cumulative total of HOURS, after being rudely hung up on twice, after being spoken to VERY rudely, I decided to give up with the Go Program customer service and try to get relief online. Unfortunately, when I went on the Go Program website, there is no way to email them or to try to elevate the issue. The website simply directs people to call the same number that I had called several times to resolve my issue.

I went online to try to find out how to elevate this issue and get someone who could help me. All I found online were other horror stories about the Go Program and their horrendous customer service. Since I only had one card, one time, and read about others who have ongoing programs with the Go Program, I decided to cut my losses and learn my lesson. I tried to call back to get them to reissue me a card with the {$310.00} they said was remaining on my card, but lo and behold they never answered. I called numerous times and no one ever answered. Finally, I blocked my phone number and called again. Someone finally picked up, and I went through the process to get them to reissue me a new card and I did not dispute or even bring up with amount on the card. 

I totally think I was robbed of {$260.00} by the Go Program. I am 100 % certain I never activated the card. But I have no remedy for this complaint with Go Program. They don't seem to care one bit. I know I am not the only person who has had problems with the Go Program. I don't know if this complaint will matter in the least, but government entities need to stop using the Go Program.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX and Midland Credit Management. The Account Opened is XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00}. The Account Opened is XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}. The Account Opened is Midland Credit Management Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$680.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX, XXXX XXXX XXXX, and Portfolio Recovery Association. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$2000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$510.00}. The Account Opened is Portfolio Recovery Association Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$5100.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
Coinbase is an online brokerage for XXXX and other cryptocurrencies. My family and I have 4 accounts with them. All of a sudden, we are still able to log into our accounts but the accounts are " restricted '' and it is NOT possible to make any transactions or close the account. There is NO one at the company to talk to ... only website inquiries. There are NO options to choose from regarding a " restricted account. '' I have used other forms on their website to submit an inquiry but for the last 4 weeks NO one has responded. I need someone at your office to either, ( 1 ) contact Coinbase for me, ( 2 ) email the a phone number at Coinbase where I can actually speak to someone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-11 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: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX, Trident Asset Management, and XXXX XXXX XXXX. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$2000.00}. The Account Opened is Trident Asset Management Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$510.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$5100.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Midland Credit Management, XXXX XXXX XXXX, and XXXX XXXX XXXX. The Account Opened is Midland Credit Management Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$2000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$510.00}. The Account Opened is XXXX XXXX XXXX XXXX XXXX : XXXX Date Opened : XX/XX/2019 Balance : {$5100.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with non-monetary relief