vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-14 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX there were fraudulent charges made by the same company for the same amount 4 times in under 2 months. I was not notified. When I noticed, I contacted Chase and they said there was nothing they could do. 

Previous to this in XXXX, I needed a charge removed from an airline when they continued to say that they paid me back when my bank account did not reflect this. I called Chase nearly every week for months asking for help and they said there was nothing they could do. After several months, I asked for them to remove the charges and they said it was too late. I responded that I had been calling and asking what my options were for months and they responded by saying there was nothing they could do. I had to resort to contacting the Department of Transportation and get the Oregon AG involved for these charges to be removed. 

In XXXX, I opened up a new credit card. You received XXXX points if you spent {$3000.00} in 3 months. In XXXX, I sprint {$1000.00}, in XXXX {$1400.00}, and in XXXX {$710.00}. I did not receive the points. When I called they said I didn't spend enough. When I said that I did, they said " no and there's nothing we can do ''. I spent years calling in an attempt to receive those points and was told " it's too late, there's nothing we can do ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Standard Mortgage Group LLC
State: FL

Complaint narrative:
I was in the process of refinancing my house with standard mortgage which took almost 6 months. The refinancing started since XX/XX/2021 At closing on XXXX XXXX the disclosure were not as agreed and they wanted {$20000.00} cash to close. So I cancelled and fill out the notice of right to cancel form and email it to them the next day ( XXXX XXXX ). Yesterday ( XXXX XXXX ) I received a notice of intent to file lien in the mail from Standard Mortgage charging me {$5100.00} for mortgage and processing services. The letter does not seem legit and looks as if it been made up. I check with XXXX clerks and thee is no proof there. I am sending a letter back to them letting them know I am filling a complaint with CFPB with the email of confirmation for cancellation and the wrong the disclosure. This is not right that a mortgage company can sell you a dream and provide wrong information and then when closing time they change everything and then a month after cancelation they are trying to charge me for a mortgage that I didn't close on. Also during the whole process I paid up front appraisal, credit check and inspection etc.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PREFERRED CREDIT INC
State: IA

Complaint narrative:
Inaccuracy on reporting - last activity Date of last activities per bureau on the credit report : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX - The high balance amount is also different between credit bureaus XXXX : {$2.00} XXXX XXXX : {$2.00} XXXX XXXX : {$2.00} XXXX - Date of the last payment has been reported incorrectly XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX This means that they kept reporting even after 90 days, which is against the fair act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: CITIBANK, N.A.
State: OK

Complaint narrative:
My credit report on XXXX only for many months has shown a credit card from Citicards Cbna which I have never had a card from. 

This card does not show up on XXXX or any other agency. When speaking with XXXX, they indicated I had to speak with Citicards Cbna about it. 

I have called multiple numbers at Citibank and have been told by many departments they can not find my social, my old addresses, my name, and birthdate, or any other information, however when XXXX checks ( With whom I have filed multiple disputes ) they say that Citibank is reporting I do have a card with them. 

I have even sent a certified notarized statement that I do not have a card with them. 

I do not know what else to do.

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 2021-10-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: OK

Complaint narrative:
I was doing the forbearance and then my previous loan servicer sold my loan to BSI financial. At the end of my forbearance ( XXXX XXXX ), I initally wanted to do a loan modification but they gave me the run around and told me I was already behind and that it would take several months to get that approved if I was approved at all. So then I decided to just pay the balance. I set up the first payment of {$4500.00} and they took that payment on XX/XX/XXXX, and the remaining balance was going to be paid a month later. A week ago, I got a check in the mail from XXXX for {$4500.00} and the letter states it was returned for the reason of " Unapplied Funds ''. The next day I got a 45 day forclosure notice in the mail. At this point I have been calling and emailing every day and nobody will return my calls or emails. Then yesterday my credit dropped XXXX points and it shows a major derogatory and 180 days behind on payments. I was in the XXXX 's with a 100 % payment history for several years, and now my credit is ruined. I have all the money to pay them, but nobody will contact me. I am beyond frustrated and I feel like I am being scammed somehow. I did not cash the check they sent me so those funds are still in their account. Please help me ASAP. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
{$180000.00} worth of USD XXXX  coins stored in my XXXXoinbase Wallet was drained in XXXX counts of unauthorized transactions to random wallets through a mining pool scheme operated through XXXX XXXX XXXX XXXX XXXX that was access through the Coinbase Wallet App . 
I raised the issue to Coinbase a month ago that they have withdrawn my funds without my consent. Coinbase falsely advertised its wallet app being the safest with high security features. This was an inherent and serious security deficiency from Coinbase Wallet App that caused the funds to get drained without any type of notice or authorization. 
I also got no concrete support from Coinbase over the past month and they are denying any type of support or help in getting back or reimbursing the lost funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: VA

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 2021-10-14 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: FL

Complaint narrative:
I have filed disputes with Equifax trying to get a fraudulent account removed from my credit report many times from XXXX  through present and constantly they are not investigating this property. They just send me a message saying this is your debt. If they would check it properly then they would see its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: PA

Complaint narrative:
I have not been getting my statements despite ELAN financial telling me I am enrolled in online statements. For the last three months, I've called them and they tell me I am enrolled and to check my spam folder, neither offering to assist me in making payments, or reversing fees. I have been reported to credit agencies as late despite telling them verbally I have not received notification payment is due. Each time I call them I remit payment in full. The Bank knows I make attempts to pay but does not do their due diligence in ensuring I have my paperwork to pay.

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 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: CO

Complaint narrative:
I had a secured credit card with XXXX XXXXk and I closed the account because of the fees and they had returned my deposit bank to Key Bank on XX/XX/2021 per the letter they sent me. They let me know it was sent back to the card ending in XXXX. This card was linked to my account with Key Bank that was closed out in XXXX of 2021. I have contacted Key Bank several times and they have stated several times that they did not receive a payment of XXXX back to the account from XXXX XXXX The checking account number is XXXX and it was the card ending in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: FL

Complaint narrative:
DISCOVER BANK Contact XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$700.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14 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: FL

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 2021-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
My name is XXXX XXXX, I am a consumer writing this for myself without assistance from any person. CITIBANK , N.A . is civilly liable ( 15 U.S. Code 1692k ) for violations under the FDCPA. I am disputing this alleged debt, invoking my specified remedy as original creditor pursuant to 15 U.S.Code 1692c ( c ) ( 2 ) and pursuant to 15 U.S.Code 1692c ( c ) I demand you to cease any communications and collection activity of this alleged debt until you can provide me with the requested information in this affidavit attached below. I have also sent all documents to Citibank via certified mail.

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 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One locked my account and does not want to give me the reasons why. I called them numerous times without success. They told me they are closing my checking account and still not giving me the reasons why. So, I told them if this can be avoided? But no, they told me I must subpoena myself to know the reason. Anyway, I decided to do closed my savings, and checking under " consumer closed account '' as soon the agent number XXXX ( who is highly aggressive! ) told me " no it is under review '' and I said again " I do not care about the review, I want my accounts to be closed by me. '' She then left for few minutes, and transfer me to a supervisor who said, " your accounts are closed now '' But it is not under consumer decision but the bank Capital One '' I am devasted they ruined my credit report for no reason, no explanation, and did not want to report the consumer closed the accounts. Now, I will not be able to open a new checking account in any bank because Capital One ruined it for nothing! I want you to help me repair these huge errors, and asked Capital One to reverse the name as I was the one who called on XX/XX/2021 from XXXX XXXX  to XXXX XXXX  for nothing! The bank has no right to close my accounts since they have no reason for it. The worse is that it is me who asked it not them! These accounts were open and not closed! What are my options to sue Capital One, and their thief ex-CEO who stole money, and the bank itself ruined customers lives when they feel like it! No business has the right to do this to anyone in the world! I am sure that I am not the only one who suffers from this kind of situation. If anyone did, I want them to email me to file a lawsuit for defamation and tort! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was fortunate, or rather unfortunate In getting a new job offer on XX/XX/2021 from XXXX so it seemed. The interview was through XXXX or XXXX  text and I chose XXXX  to be safe. After a couple of assignment I got a text that my first check on the XX/XX/2021 {$4900.00} in regards to purchasing equipment 's was on its way. After depositing the check, and the so called " Manager '' confirmed with the " accounting department '', the money was then cleared the next day. A day later I was then instructed to forward to another Bank of America account {$2000.00}, {$1500.00}, and a {$1200.00} wired, and another payment coming in for deposit {$4400.00}. Late evening the first check bounced, and the second check cleared, now in the negative this is a rather infuriating situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: NJ

Complaint narrative:
On XX/XX/2021 I paid XXXX {$29.00} for cellphone service. The personnel failed to activate the cellphone. I called the store but I received no response. I submitted a complaint ( XXXX ) to the bank, Paypal.com ( netspend ). I received no response for quite a while so on XX/XX/2021 I requested a status update. On XX/XX/2021 Paypal responded that my issue was not considered an error pursuant to Regulation E. Today I accessed https : //www.consumer.ftc.gov/articles/0219-disputing-credit-card-charges and that website states that " The FCBA settlement procedures apply only to disputes about " billing errors. '' For example : charges for goods and services you didn't accept or that weren't delivered as agreed " I then decided to file this complaint. The name and address of the merchant is : XXXX XXXX XXXX XXXX XXXX Posted on XX/XX/2021 at XXXX XXXX  Debit : PIN purchase from XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ US Card ending in XXXX - {$29.00}

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 2021-10-14 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Previous Complaint # XXXX with CFPB I previously raised the issue of not being able to link my debit card to my account. The company responded and in the response the Serve indicated that they have resolved the problem. 
Company responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with non-monetary relief Company 's Response We have completed our research and have attached a copy of our response for your review. 
DESCRIPTION OF NON-MONETARY RELIEF We removed the restrictions preventing the debit card link. 

As of today XX/XX/2021 I still can not link the debit card due to this restriction. The representative stated the EXACT same script they gave me initially regarding the problem. Which is to state " you can no longer link a card to your account '', and the notice states to not discuss it with you. Etc. 
Once again I am reaching account to Serve to see if they can properly fix the problem as this account was NOT the subject of any fraud or other misuse as stated in the previous complaint. 

Serve you have to do better with your customer service. Beyond poor service, very demeaning representatives and a POOR reflection of the brand that services a certain socio-economic class of people. As I stated in the last message, it appears that the brand does not care to service its core customers properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XXXX XXXX I disputed the following : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX and they have yet to respond in the time allowed by the FCRA. XXXX, Experian, & XXXX are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately.

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 2021-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
On XX/XX/2021 at XXXX XXXX, an email was sent to my husbands EX wife about my account. Below is a copy and paste of the email that went out. It is already hard enough dealing with my husbands ex, but to also give her information that I have an unpaid bill and steps to access the account is so wrong. 

I have contacted the company and they state they were given his ex 's email. I know for a fact we did not give that information. I have also called the original creditor to find out what email they have, and the only one they have is my email. The one they are supposed to have.

This collection company stated they have only had this for two days. Well, 1 day ago is when it went to my husbands ex. 

Please advise on what steps I need to take next. 

Email from the collection agency is copied and pasted below. 

Thank you, XXXX XXXX. 
XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX Date : Wed, XX/XX/2021 at XXXX PM Subject : XXXX, here 's what you need to know. 
To : XXXX Unsubscribe if you don't want to receive emails from us. 
This important message is for XXXX XXXX. If you are not this person please delete this email. 

Here 's what you need to know to take the next step XXXX. 
Your account ending in XXXX was sold by XXXX XXXX XXXX on XX/XX/2021 due to unpaid status. The new account owner is LVNV Funding LLC. LVNV Funding LLC outsources the management of its portfolio of accounts to our company, XXXX XXXX XXXX. 
So, what is the next step? 

Let 's get you started on an affordable payment plan! XXXX offers customers the option to view account details like your original creditor and current account owner and make payment arrangements online at portal.resurgent.com. 

Prefer to discuss in person? Our knowledgeable Customer Care Team is available to answer any questions. Use the buttons below to take the next step.

I want to handle this online I want to talk to a person Have questions or need assistance with your account? Hit reply to this email or visit the Contact page of our website here to connect with our friendly and knowledgeable Customer Care Team.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My first initial letter was sent in on XX/XX/2021 to all 3 bureaus about the inacurate information that is reporting. The bureaus have yet to resolve the issue and has been over 52 days. i have sent mutiple letters with no resolution.

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 2021-10-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My first initial letter was sent in on XX/XX/2021 to all 3 bureaus about the inacurate information that is reporting. The bureaus have yet to resolve the issue and has been over 52 days. i have sent mutiple letters with no resolution.

Company response to consumer: Closed with explanation