vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened an account with Truist in XX/XX/2021 bc I have an auto loan there, as well. I then deposited {$5000.00} ( {$2500.00} in checking {$2500.00} in savings - I have attached a screenshot from my confirmation email. Shortly thereafter, Truist apparently closed my accounts without notifying me at all and then my balances went from {$2500.00} in each account to {$250.00}, so {$4500.00} literally disappeared from my accounts and Truist has REFUSED to allow me to withdraw my funds for almost 8 months now. I escalated this 5 times since XXXX and Truist has given me absolutely zero help and XXXX XXXX at the XXXX branch wont even take my calls to tell give me an update on why they are still holding my money after 8 months. This should be against the law when they are holding MY money that I cant even withdraw, yet they are still trying to charge my account for the monthly maintenance fee. This is absolutely inexcusable and something needs to happen to Truist so they no longer are able to do this to account holders.

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 2022-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
Money laundary happened in Coninbase the following is what I wrote to Coinbase on XX/XX/2022 XXXX, XXXX, 2022 Coinbase Inc. 
XXXX XXXX XXXX # XXXX XXXX XXXX NY, XXXX To Whom It May Concern : Re XXXX XXXX loss due to Coinbase platform not working properly Between XX/XX/XXXX to XX/XX/XXXX of year 2022, I made 10 times wire transactions from my bank account to my Coinbase account for total {>= $1,000,000} USD. ( if transactions history during the period is needed, I can submit it. ) When the fund was wired into my Coinbase account each time, I bought USDC with US dollars. I sent USDC from Coinbase platform to another trading platform XXXX XXXX XXXX XXXX XXXX, respectively. I did 10 times transactions. 

Because that trading platform is automatically connected to Coinbase, I did not suspect any fraud at all. I made withdrawal transactions 4 times over 2 months period using Receive in Coinbase. The total received fund worth {$6300.00} USD On XX/XX/2022. I tried to receive some funds from XXXX. It never reached my Coinbase account this time. On the evening of XX/XX/2022, my account at that platform was locked. 

I trust Coinbase which is a public traded company, so I used any provided functions from Coinbase do crypto trading. The problem in Coinbase caused my huge loss, {>= $1,000,000}. 


My actions : During XX/XX/XXXX to XX/XX/XXXX, I contacted customer service at Coinbase, it did not resolve anything at all. 
On XX/XX/XXXX, I called local FBI office and was advised to file report online, XXXX, I did file the report on that day. 
On XX/XX/XXXX, I sent a complaint letter to Coinbase by certified mail. the company received it and did not get any response at all. 
On XX/XX/XXXX, I filed a complaint against Coinbase on XXXX  website with case ID. the progress for this complaint seems going no where. the coinbase would not admit any wrong doing. 
On XX/XX/XXXX, I sent complaint letters to atterney general of Michigan, US senators, US distric congressmen, got feed back from congresswoman and asked to file a complaint on this site.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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:
I have contacted the bureaus numerous times informing them that account for XXXX, Acct # XXXX, they are reporting inaccurate information on my credit report. It is a Charged Off/Closed Account showing a Past Due amount of {$1500.00} with XXXX showing as open and Equifax showing as closed and XXXX not showing anything at all. Reporting this inaccurate information is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliance reporting standards. According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed and after numerous months of requesting that they do validate, verify and report as 100 % true and accurate, they are still continuing to report inaccurate information along with numerous other violations as well as to which it is severely hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NC

Complaint narrative:
Hello I'm the primary person for the loan note since I became XXXX about XXXX ago I started asking the mortgage company to adjust my mortgage and when I did they would sell it to another company and when I would ask them the same question they would sell it to another it's been aleast five company 's and my wife was paying the mortgage and I wrote the company called and left messages and they wouldn't talk to me and she got behind she didn't tell and they wouldn't talk to me and I'm the primary of the loan and it's messed my credit up and I've been paying the taxes every year and I just found out that they were without me knowing and by me being XXXX the county had me waiting 6nonths for both year to get my money back I know I have rights I was certified with the state of NC before I got XXXX and I went to my local branch social security office and they told me to contact you'll and I knew something didn't seem right so I had credit repair challenging the other mortgage companies and have recipients for my taxes that got sent pack

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have been advised since XX/XX/2020, I have been apart of multiple breaches from multiple companies. Due to this, I have free access to my credit reports from XXXX and XXXX. I have noticed a few accounts that do not belong to me. Notices have been sent to all three bureaus for the inaccuracies to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NJ

Complaint narrative:
I'm a XXXX  who is trying to apply for a PSLF student loan forgiveness. I've worked over 15 years in my district. I have had several loan servicers over the course of my consolidated loans. The current one, Moleha, was assigned to me this XXXX. They only have record of me paying payments since XX/XX/XXXX. I've always paid my loans; never late or defaulted. Now, the problem is XXXX and XXXX, my previous servicers, never sent any of the previous payment info out to Mohela. I do have some billing statements from XXXX  proving payment over a period of roughly 2 years. I also have bank statements. None of this information is available to the new servicer and they won't accept it as proof. XXXX  is out of business and XXXX is saying there is nothing they can do. 

I qualify for this loan forgiveness. I've made payments over many years since the program started in XXXX. I was in the wrong payment plan and like many, didn't find this out until XXXX. The XXXX have a limited time waiver for people like me. But how can I prove and get credit for my payments when the XXXX don't know anything, the servicers are out of business to provide the proof and all I have is a few years worth of records. 

I keep getting the run around on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
An automatic payment was initiated on my Chase Freedom Card when there were insufficient funds in the account debited. As such, the payment was denied and I then changed my autopay settings to avoid this issue in the future. 2 days later Chase attempted to make this payment again, despite me specifically opting out of full balance autopay. The second attempt was processed and put my checking account into overdraft. After spending hours on the phone with customer service, they have told me that they are unable to reverse the payment and I now have {$5.00} thousand dollars less in my bank account than before. They illegally took money from my savings to pay their card after I had explicitly opted out of the autopay feature and refuse to reverse the transaction. What is the point of extending credit if they pay off their own cards without the cardholder 's permission?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On Tuesday XX/XX/2022 I was alerted that my debit card was compromised. There were transactions totaling nearly {$1300.00}. The funds were not credited back to my account even though I told the bank the transactions were not mine. The bank is refusing to credit me back the funds and my account is now overdrawn. I can not buy food or pay my bills. I need my money back.

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 2022-07-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Fair Credit Reporting Act says good 10 years it should drop off but Equifax has not and I submitted a dispute and nothing. 

Can you help get it removed from credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
A few years ago I believed that Citi Group-Costco cancelled our Costco Citi Visa due to one missed payment. At that time, I destroyed the card. Years later, I found out the card had not been cancelled but the card was now cancelled because we did not renew our XXXX  membership. Every access, on-line or phone, requires me to provide my card number which I no longer have. Since the card was cancelled, Citi no longer recognizes my social security number or my phone number when I attempt to make payment. I can no longer log in on-line and the only way they will " retrieve '' my access if for us to apply for a new card which we do not want to do. There is no reason for them to be pulling a credit report, etc. when I have no intention of having a new card with them- BUT I do need to have the ability to access the account to pay off the balance. I have tried at least 6 phone numbers and have spent at least two hours trying to rectify this situation. We do not want to re-open the account, we simply want a means to pay off the balance with monthly payments. The lack of ability to pay those payments now has us about to be two months in arrears.

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 2022-07-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I received an email from Paypal which I use as a banking account saying that someone had been using my card and if this was it a purchase that I made or not it was it it was a phone number I called it I questioned the gentleman about his wanting information from me that you wouldnt normally ask so I asked for a supervisor he put a supervisor supposedly on the phone then he started getting hostile with me because he could actually see what I was doing on the cell phone so when I would type I have entered the wrong information hes like no not there go here and then I tried questioning him again about what it was about and he said well we want to find the IP address of where this person took your money once we find the correct IP address then you will receive your money back to the card right away it still sounded fishy to me but I was just really tired because I had it my mother pass away and I live in Texas shes in California and the money I had in that account it was going to be used to go there and have it serviced and I just typed in what he told me to type in then at the end of the conversation he proceeds to tell me youll get your money back in about 45 days and I said you told me right when we were done you were putting it back in I told him Im calling the police Im calling Paypal because obviously youre not Paypal and I called and they used I had like four cards they added a card in my wallet and stole a proximately {$5000.00} Ive been calling trying to get help from every avenue because I need that money my younger brothers and sisters I need to be there for them and I cant because they took the money that I had and I hope that we can get some resolution also I use talk to text so it probably may have some misspelled words sorry

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-15 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XX/XX/XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dept Ed Acct. # XXXX US Dept Ed Acct. # XXXX Has violated my rights 15 U.S.C 1681 Section 602 A. states I have the right to privacy 15 U.S.C also states a consumer reporting agency can not furnish a account with out my written instructions.

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 2022-07-15 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX US Dept Ed Acct. # XXXX US Dept Ed Acct. # XXXX Has violated my rights 15 U.S.C 1681 Section 602 A. states I have the right to privacy 15 U.S.C also states a consumer reporting agency can not furnish a account with out my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I received a letter that stated : You can request to have the PMI cancelled on or after these dates : The date the principal balance of your mortgage principal is first scheduled to reach 80 % of the original loan value. 

There were some things about additional qualifications in there, but when I called to ask about it, I was told it had to be on that day not when it was scheduled. Either the letter or the person who argued semantics with me on the phone is wrong. 

I called the number on the front of the letter and spoke to a gentleman around XXXX XXXX on XX/XX/XXXX from 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 2022-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Mobile deposit from XXXX XXXX on XXXX2022 of XXXX held 10 days without notice. Unable to access my money for 10 days. There is a hold notice of 3 days given AT THE TIME OF DEPOSIT. Then a day later a notice of 7 business days -- XXXX2022 which is actually 10 DAYS without money because I am now in overdraft from auto-payments going through AFTER THE DEPOSIT was made. They will not cancel the mobile deposit to allow me to go into the bank to cash it. It only takes one day to make a phone call to 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 2022-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XXXX XXXX, 2022, I attempted to send money to my girlfriend for bills through XXXX ( as I do often ) using my connected Chime Account. When trying to send an amount of {$380.00} to her via XXXX, I received an error stating that the transaction was declined by my bank ( Chime ). I followed up with her to see if anything had happened on her end and nothing went through. She never received a notice that an XXXX transaction was taking place. I checked my XXXX XXXX wallet and nothing had gone through there either. When I checked my bank account with Chime and there was a pending withdrawal of {$380.00} from XXXX XXXX. I spoke with Chime regarding this error and advised them that after they DECLINED the transaction, they still proceeded to pull the funds. An investigation was opened and no updates have been provided after the 10-day turnaround time they promised. It has been almost 3 MONTHS and the " investigation '' is still pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: MRS BPO, LLC
State: CT

Complaint narrative:
I ordered XXXX and XXXX XXXX last year and pay the final bill back XXXX and there saying I owe a bill.of XXXX, I never received a bill, because I owe no money to them and it says I owe by XX/XX/XXXX of 2022, it wrong, I don't have XXXX no more because i moved in XXXX to a place called XXXX XXXX  on XXXX XXXX XXXX in XXXX and my old address was XXXX XXXX XXXX on XXXX And had no bill send to me until XXXX, I'm not going pay for a bill I didn't make and in collection now with XXXX and have money to pay this bill, because I'm XXXX and can't afford because I can't work to much to pay it and can't find a job okay and shouldn't have pay for some thing I didn't make okay, thank you for reading this note XXXX XXXX, I WOULD LIKE YOU CALL ME AT XXXX XXXX XXXX AND DISPUTE THIS BILL, WHICH I CANT PAY FOR, WHICH IS RUINING MY CREDIT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-15 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation