vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: ME

Complaint narrative:
Santander, the servicer of a car loan I cosigned with my brother, was contacted on/around XX/XX/XXXX with a request to produce the original loan agreement for the purposes of recovering payment expenses from the primary owner and operator. Was informed that I ( who was supposed to be the cosigner at the time the loan was initiated ) was listed as the primary borrower, which draws into question the validity of this loan. Agent informed me it was sent out via mail and email. I never received the Original loan agreement. I asked them 6 more times over the course of the six months to provide the document, each time being assured that it would, and that the previous mailings had gone out. Each time I confirmed my present address and email address. As of XX/XX/XXXX my matter/account was moved to the administrative offices of Consumer Finance at Santander. Management restated that all the times I had called something had been sent via email and mail ( neither of which would fail 100 % of the time ). XX/XX/XXXX I was promised a direct email with the loan attached to it from the company email and a follow up call from the person I was speaking to in the administrative office. Neither came to fruition. Their failure to provide the requested document has caused and is causing financial harm as it is inhibiting my ability to recover funds that the loan servicer demands be paid every month. 
On XX/XX/XXXX I contacted them one last time and was told that they did not in fact have the loan documents and that nothing was ever sent out. This seems like a clear abuse of consumer rights and is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
filed ftc report about inquiries listed that i did not initiate. consent to, authorize nor recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: FC HoldCo LLC
State: TX

Complaint narrative:
To Whom it May Concern : I have been trying to get help from Flagship Credit Acceptance and all 3 of the Credit Reporting Agencies to assist with removing the 3 late payments that are being reported by Flagship Credit Acceptance. I have a document from Flagship that states they will remove my late payments and treat them as current. This was part of the " Temporary Reduction In Payment '' ( TRIP ) Agreement. I was sure to make my payments per the agreement, and have been current since the date of the letter. Yet the creditor and the reporting agencies have not taken my complaint seriously. Please see my attached documentation. If you have any questions or concerns, please feel free to call or email me. 

Best regards, XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX, TX. XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I am a coinbase customer and hold coinbase wallet, on XX/XX/2021 my account having approximate {$11000.00} us dollars at the time got hacked around XXXX XXXX  PST I was at sleep at the time, but I notice around XXXX XXXX  want to access my account and was not able that's when I realized my account was hacked. I did everything coinbase asked me to do. I got a case # XXXX XXXX Account hacked ). It has been 17 days and no answer. no response. no phone number to contact a human. Please help! 

Desired Settlement : Contact by the business

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
Bluebird by American Express permanently suspended by account on XX/XX/2020 with a balance of {$8900.00} in it. When I called customer service to try and close account they would always tell me they had no information and they write a letter and mail it, which I've done several times. They only response I would get is I need a letter of indemnity which I also sent to them. Their own statement on closing account states : You may not close your Bluebird Account, Subaccount ( s ), Goals or XXXX XXXX $ XXXX balance to evade an investigation or a disputed transaction ( s ). You may not close your Bluebird Account or Subaccount if there is a negative balance in your Account or Subaccount,, if one or more pre-authorization codes with respect to Bluebird Checks you have written are unexpired, or if there is an investigation pending or a Dispute related to the Account or Subaccount or associated Bluebird card or Subaccount card, and subject to Applicable Law, we may hold your funds for up to thirty ( 30 ) days or longer to finish conducting the investigation and/or protect us or a third party against the risks of payment reversals, chargebacks, claims, fees, fines, penalties, and other liability. 

I am not evading an investigation or even being investigated at all. And they even state they should hold funds up to 30 days but now it has been a year and my money is just sitting there when I really need it. Please help me to get my account closed and remaining balance to be sent to me by check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Coinbase has disabled my account. Support is not responding. It's been weeks now. I've opened cases and contacted them dozens of times. I filed a formal complaint with Coinbase online. No resolution still. I've lost tens of thousands b/c I can't access or view my account or execute trades. Their lack of response and support is criminal. They've hijacked my account and money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-27 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
American Express Serve Card permanently suspended by account on XX/XX/2020 with a balance of at least {$450.00} in account plus a dispute I won of {$4100.00} later deposited in it. When I called customer service to try and close account they would always tell me they had no information and they write a letter and mail it, which I've done several times. They only response I would get is I need a letter of indemnity which I also sent to them. Their own statement on closing account states : You may not close your American Express Serve Card Account, Subaccount ( s ), Goals or XXXX XXXX $ TM balance to evade an investigation or a disputed transaction ( s ). You may not close your American Express Serve Card Account or Subaccount if there is a negative balance in your Account or Subaccount,, if one or more pre-authorization codes with respect to American Express Serve Card Checks you have written are unexpired, or if there is an investigation pending or a Dispute related to the Account or Subaccount or associated American Express Serve Card or Subaccount card, and subject to Applicable Law, we may hold your funds for up to thirty ( 30 ) days or longer to finish conducting the investigation and/or protect us or a third party against the risks of payment reversals, chargebacks, claims, fees, fines, penalties, and other liability. 
I am not evading an investigation or even being investigated at all. And they even state they should hold funds up to 30 days but now it has been almost a year and my money is just sitting there when I really need it. Please help me to get my account closed and remaining balance to be sent to me by check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have been on XXXX XXXX XXXX orders since XX/XX/XXXX which will extend to XX/XX/XXXX. 

I was trying to notify Amazon Synchrony ( account ending in XXXX ) that I was on orders and requesting SCRA benefits. I don't think the person I was speaking with spoke much XXXX, or at the very least didn't understand what I was saying. 

So instead of them putting me on SCRA benefits I was just notified that they put me on a " payment plan '' which I DID NOT request. And their company closes your account as soon as you are on a payment plan.

If you check my entire credit file you will see that ALL of my other accounts are on SCRA benefits. I have not closed any of them and have no intentions of closing them. 

I've been on the phone with their customer service and they have been so rude to even hang up on me. So I've received no assistance from them whatsoever. 

Please let me know how to resolve this issue as I know have a " closed account '' on my credit file and I did not close the account. 

Thanks in advance!

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 2021-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HIGHLANDS RESIDENTIAL MORTGAGE
State: WA

Complaint narrative:
Highlands Mortgage sent me a note that they are selling my mortgage to another company giving me just 6 days notice ( The requirement is 15 days ). Their letter arrived in the Mail on the XXXX, and the Mortgage transfers on XX/XX/XXXX. This, I believe was done in retaliation for my having told them of my plans to complain to this bureau on another issue ( CFPB : Complaint ID XXXX ) tied to their not having credited to me an extra payment for over 90 days, and still counting. The letter that they sent me was dated XX/XX/XXXX, which I believe was pre-dated to cover their bases, because on the XXXX itself, they last communicated to me they were still working on the said issue, and they could have just as well told me then that they were planning to sell the mortgage to another company. 

The issue at hand is that the mortgage is being sold to another company while we have an outstanding issue that hasn't been resolved, in this case, they are the debtor and owe me my money. Instead of resolving the issue, they are selling my mortgage to another company to avoid having to meet their debt obligations. 

I need the company to issue me a full accounting of all of the payments they have taken from my bank, including the extra payment, in writing, and an explicit statement, that my payments are one month ahead of due ( i.e. I am asking that the letter state that I am paid through XXXX, if the transfer is due to happen XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
XXXX XXXX/Zellepay.com sent money thinking I was purchasing an item and was scammed for {$1600.00}. I didn't receive product out {$1600.00} and my bank of 25+ years won't reverse the charges. It was stated no error occurred. I didn't receive the product and was scammed out of my money. When speaking with customer service representative, they should be required to ask questions to deter fraud. Do you know this person? This can't be reversed? Something put in place to protect people and their hard earned money. Being a customer and never using a product such as Zelle and making large transactions should be some hold before the money is sent. This happened on XX/XX/XXXX. There needs to be some form of protection or products like this shouldn't be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently received a copy of my credit report from transunion and XXXX and i immediately realized a host of violations on each report. The collection accounts listed below are in direct violation to FCRA laws 15 U.S.C 1681 ( a ) ( 4 ) stating that its the credit reporting agencies grave responsibility to respect the consumer 's right to privacy and i feel rights were violating with these collections on my my credit report : XXXX XXXX Acct # XXXX. 
XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX .... 
XXXX XXXX XXXX Acct # XXXX The credit reporting agencies were also in violation of law 15 U.S.C 1681 ( b ) ( 2 ) stating that reporting agencies are to furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates! No reporting agency had any written consent to furnish these accounts on my behalf and that is identity theft!

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 2021-05-27 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:
I recently received a copy of my credit report from XXXX and equifax and i immediately realized a host of violations on each report. The collection accounts listed below are in direct violation to FCRA laws 15 U.S.C 1681 ( a ) ( 4 ) stating that its the credit reporting agencies grave responsibility to respect the consumer 's right to privacy and i feel rights were violating with these collections on my my credit report : XXXX XXXX XXXX # XXXX. 
XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX .... 
XXXX XXXX XXXX XXXX # XXXX The credit reporting agencies were also in violation of law 15 U.S.C 1681 ( b ) ( 2 ) stating that reporting agencies are to furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates! No reporting agency had any written consent to furnish these accounts on my behalf and that is identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Was scammed for XXXX by an individual by submitting a deposit to their account at Wells Fargo from my account at Wells Fargo. Made deposit on XXXX21 ... .found out and notified Wells Fargo on XXXX21 and asked them to challenge transaction. Followed up on XXXX and Wells Fargo said there isn't anything they would do that it becomes a civil matter ... even though they have the ladies account info and everything..they wouldn't freeze her account or take any other action for me. Doesn't seem appropriate ....

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 2021-05-27 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: CA

Complaint narrative:
SEARS/CBNA # XXXX was used fraudulently

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 2021-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
Credence Resource Management has been calling me a harassing number of times. I have asked them to not call, but I still get 3-5 calls in a day, up to 14 calls once during a 7 day period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
i filed ftc report for inquiries i did not consent, recognize, nor authorize.

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 2021-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  # XXXX was used fraudulently

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 2021-05-27 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax shows no active accounts on my report even though I have had a XXXX XXXX credit card account in good standing for over 20 years. 
They did show it, and the balance was wrong so I disputed the amount. At that point they began showing that the account does not exist. 
I have notified them of the problem and spoke with XXXX XXXX. XXXX XXXX assured me that Equifax has been receiving reports which show my account is active and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: TX

Complaint narrative:
To Whom it May Concern : I have been trying to get help from XXXX XXXX XXXX and all 3 of the Credit Reporting Agencies to assist with removing the 3 late payments that are being reported by XXXX XXXX XXXX. I have a document from XXXX that states they will remove my late payments and treat them as current. This was part of the " Temporary Reduction In Payment '' ( TRIP ) Agreement. I was sure to make my payments per the agreement, and have been current since the date of the letter. Yet the creditor and the reporting agencies have not taken my complaint seriously. Please see my attached documentation. If you have any questions or concerns, please feel free to call or email me. 

Best regards, XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX, TX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: MA

Complaint narrative:
Equifax is falsely reporting the late payment history for XXXX account XXXX. False reporting late payment history is a violation of the FCRA. I have requested in my dispute multiple time for Equifax to stop reporting this false and subterfuge entire late credit history because of this is a violation of the Fair credit Reporting Act by Equifax to report false and subterfuge information. 

See attached supporting documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: COLUMBIA BANKING SYSTEM, INC.
State: WA

Complaint narrative:
New Servicer Columbia State Bank, XXXX, WA XXXX has not paid property taxes. I received a notice from the treasurers office. I've made multiple attempts to get information from Columbia State Bank with no response. I've left multiple messages, and the person answering the customer service line states " we know there's a problem, we've received multiple complaints, we will notify you when we know more or a supervisor will call ''. I've not received any calls or notifications from Columbia Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lewis, McDonnell & Associates
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter to XXXX XXXX XXXX XXXX asking them to verify the debt and for any proof that I owed the debt. 

On or around XX/XX/2021, the response I received were the last four digits of my social security number, my name and the original creditor of the debt. He also told me I needed to file a police report if I wanted proof of the debt. 

On or around XX/XX/2021, I again asked for the proof of the debt. I also asked why did I need to file a police report for debt validation. As of XX/XX/2021, I have not had a response to my request. 

I have also tried to contact the original creditor to see if I can get any information but their number listed is not working and the email address comes back undeliverable. I have emailed them at XXXX and the phone number belongs to a company called XXXX XXXX.

Company response to consumer: Closed with explanation