vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: LA

Complaint narrative:
My Coinbase account was hacked around XXXX, and I have a case # XXXX. 
I was getting some respounce but nothing anymore, I can sent all the emails I sent them. 
and they sent me. I found out about the hack on XXXX, I put a lock on the account and no transactions were going to be allowed and they put a holt on the account for 24-48 hours because of suspicious activity, I got someone on the phone and they said the account will be put on hold, But all transactions went through now I have XXXX in account .... This is one of the emails I sent Case # XXXX I would like my account back like it was before I was hacked on your site. I had {$4000.00} cash and some coin about {$200.00} in Dogecoin before XXXX what is going on over there someone needs to contact me. 
I would like to send all the emails so that you can see the email trail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I'm a BBVA ( now PNC ) customer. My company ( about $ XXXX/yr ) was already at PNC so I thought this transition would acutally be helpful, having it all under 1 roof. I recieved information & instructions about the transistion and all looked good. I received a new ATM card that I was told to activate. Little did I know that my old ( BBVA ) card would be cancelled at that point. The new card didn't work citing 'chip malfunction ' in the store. I tried to go online and was ( as expected ) redirected to PNC. The old credentials didn't work as they said it would so I had n access to any of my accounts ( checking + savings ). Called customer service which went to a call center ( sounded like XXXX ) and was hung up on after 14 minutes listening to elevator music. Looked for a local branch to visit in person, found one nearby ( XXXX AZ ) which turned out to be a solution center, so I thought yay. The banker (? ) told me he would fix it. Got a new ATM card right there, checked it right away in the ATM there and seemed to work. Online access got fixed too but the phone App did not. Alas, at least I would access my account and use my card, after 2 weeks. He wrote my account number on his businsess card so I would modify all my bill pay, including my accountant for my paycheck. 
Also I noticed I got overdrafted because I had no access to my accounts ( saving had $ XXXX in ). 
WAs unable to link new ATM card to XXXX XXXX, said I need to call customer service. I gave up on that one. Quickly moved {$260.00} or so to undo the overdraft. Few days latwer I checked there was still {$0.00} overdraft. I couldn't fix this because the minimum transfer is {$0.00}. 
Noticed 1 day after payday that my paycheck wasn't there. Came to realize that the account number that the banker gave my was a completely different number from what I could see online. Fortunately paycheck bounced and didn't go to a strangers account. Had to move more $ out of savings to be able to pay bills on time. 
Went back to the XXXX XXXX ', got a cashiers check for my savings acount ( $ XXXX ) and deposited it at a new local bank, at least that worked, yay Fortunately I downloaded most bank statements ( from BBVA ) as PDFs ( except XXXX ) so at least I have most history, because that got lost too. 
I've work in XXXX and this is by far the most incompentent bank I've ever dealt with. Whatever I've written isn't embellished in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I have been a long standing customer of TD Bank since 1994. I have multiple accounts, of note, my savings account. TD Bank has charged {$81.00} in excessive transfer fees for each transfer conducted from my savings account. With the Pandemic, I have significantly limited the in person interactions due to my health and being high risk. Also, as I understand it, Reg D had been repealed and I was under the impression that such fees would be waived due to COVID. Further, when speaking to the representative, she indicated that letters were provided to TD Bank customers regarding the " restrictions '' ; to date, I have not received any letters regarding these transactions. I requesting a refund for the fees that I was assessed, for which after speaking to a branch manager, a call center rep, and then finally a call center manager, was finally refunded. Its unfortunate that TD Bank does not take better care of long term customers or work with such customers to retain the relationships. Despite the fact that the fees were refunded, I will be moving my accounts elsewhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i sent a FTC report and they just deleted the account on XXXX and XXXX is still showing in XXXX this is the XXXX XXXX XXXX. 
The another account is XXXX of XXXX i have the same issue they just deleted the account is XXXX and XXXX and still showing in XXXX. 
The another account is Cap One they deleted the account on XXXX and still showing in XXXX and XXXX. 
The another account is XXXX XXXX XXXX still showing in XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I reported unauthorized charges to my account by XXXX. The claim # XXXX for account XXXX. These charges were made to my Capital One debit card. Capital One removed the charges on XX/XX/2021. On XX/XX/2021 Capital One stated disputes was resolved. Capital One denied my claim and reinstated the charges. Capital One stated no error. Capital One also stated I could request copies of any documentation used to make this decision. I requested documentation. Capital One sent me little or no documentation to make a decision. One Capital One agent stated charges were made in California. I have never been to California and I did not authorize anyone there to use my card. I have since received a new card. I request the charges be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: NC

Complaint narrative:
Received notification from credit file that collection account was listed on credit report. No information received, no information to validate this debt belongs to me. This creditor is in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have notified Transunion and CFPB on several occasions that my account # XXXX is not reporting accurately. This account has not been updated in 9 consecutive months as of XXXX and Transunion continues to ignore my order to correct. Statements for XXXX, XXXX, and XXXX have been attached to validate my complaint. My current balance of {$150.00} reflects in the screenshot for mentioned account. Refer to attached XXXX report that confirms last report date and accuracy of account as reported by XXXX and 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 2021-11-05 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I have recently had an adverse reporting with my account with GM financial reporting. They have reported incorrectly with XXXX and i have already disputed once and they have not corrected it. Currently my account reports as not only " open '' but listed as a " charge off '' which it can only be one or the other. it is in fact a " charge off '' but NOT open. I have disputed and they did not update to reflect it correctly. I have yet again filed another dispute to see if we can get this resolved. Also, i had over a year ago tried to remit a payment and was told i could not do so at the time due to the status it was in. My car was confiscated by legal authorities and was in a specific status in which they would not accept my payment at that time. At no point after that conversation back in XXXX  did they ever send me a letter or ask me again to remit payment. I have not received a phone call regarding asking me for payment either. Last time i spoke with them i was advised i was on the " do not call '' status because when i called them a month ago to correct the status they had placed me on being that the account was not listed correctly on my credit report they then put me on as my notes. I should have been contacted regarding the status on my account and to ask for payment and not blindsided with the adverse reporting in which is incorrectly reported to transunion. I will be remitting my payment in full so i can correct this and i do not believe it should be reporting as an open account when in fact if it is a charge off then it should be reported as " closed '' and " charged off '' not both. I ask that they provide the documentation that evidences they sent me documentation on the remaining balance as i have not received that and should have been provided with that as well. The account number with them starts with XXXX and my balance reporting owed is {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
Credit Reporting Agencies and Collection Agencies violated the Law.

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 2021-11-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I don't know you and never heard of you until it appeared on my credit report.Be advised that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable.

Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau and creditor regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: Open Dealer Exchange, LLC
State: NY

Complaint narrative:
700Credit/XXXX  has a hard inquiry on my credit report when I've never been to that location or had my credit inquired ever in my life. I do not have a vehicle with these people nor have I done any business with them the fact the they is any inquiry from them is fradulent and I'm done dealing with them and the XXXX team. 

Be weary of car sales people!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called Experian, I have a user & password, also PIN. I can't login to their site. 
I have called approx. 7 different phone numbers over the past couple of months. 
( I also sent them an email last night, & it was returned! I couldn't read any info, therefore it was disposed of in Spam! ) Cust Serv. # XXXX, XXXX, XXXX, XXXX. 
No one answers any calls! 
I don't want to change PIN, or password. This creates more problems on my computer when doing so!

They have been written down on 2 reports, First 1 I had received is dated XX/XX/XXXX & second is datedXX/XX/XXXX. 
I haven't seen any reports since then! Therefore they didn't fix the problem!

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 2021-11-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I'VE CALLED SEVERAL TIMES TO TRY TO CLOSE MY CARD BUT I KEEPING GETTING CONNECTED TO A BUNCH OF NON-ENGLISH SPEAKING XXXX!!!! CLOSE MY ACCOUNT IMMEDIATELY!!! THE MONEY YOU STILL OWE ME WILL HAVE TO BE MAILED TO ME BY CHECK YOU INCOMPETENT PIECES OF 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 2021-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
XXXX XXXX XXXX $ XXXX THIS IS NOT MY DEBT THIS HAS BEEN HENDERING ME IM UNABLE TO RESIDE WHERE I WANT DO TO A DEBT THAT DOES NOT BELONG TO ME PLEASE DELETE THIS DEBT THIS IMMEDIATLEY. I KNOW MY RIGHT THIS IS ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: GB Collects, LLC
State: NY

Complaint narrative:
These XXXX XXXX obtain all of your debtors information, their personal information, your contracts with those debtors, the amount owed, you sign a contract with them that they counter-sign thus making it a full on contract, and then, start making up reasons to saying that they " are not a good fit for your company. '' They are incredibly lazy, do not want to do any work, want you to do all the work for them, unethical, breach contracts, and do nothing but disrupt and disorient your business and debtor collection process. Please investigate and advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX has a hard inquiry on my credit report when I've never been to that location or had my credit inquired ever in my life. I do not have a vehicle with these people nor have I done any business with them the fact the they is any inquiry from them is fradulent and I'm done dealing with them and the Experian team. 

Be weary of car sales people!

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 2021-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: PA

Complaint narrative:
My loan was transferred from XXXX to Gregory Funding on XX/XX/2021. I was concerned about this transfer because I was in a Covid-related Forbearance program that I needed to extend after XX/XX/XXXX, so I tried to reach Gregory Funding about getting this extension. I finally reached a representative on XX/XX/XXXX who told me she would begin the process to extend the forbearance, and she asked me a lot of questions about my ongoing Covid-related hardship. Then I received a letter from Gregory Funding dated XX/XX/2021, stating I had asked for a hardship extension, and giving me instructions on how to complete that request. I completed the hardship questionnaire that was included with the letter, as well as a hardship statement. My lawyer submitted the packet via email as instructed in the letter from Gregory Funding on XX/XX/2021. 

Since that submission, I have not been able to reach Gregory Funding. Every time I call, I am asked to wait on hold anywhere from 1 hour 25 minutes to 2 hours 50 minutes before I can speak to a representative. I havent gotten any correspondence from Gregory Funding about my hardship and forbearance application. I have instead gotten bills and statements from them telling me that I am behind and they are continuing to add late charges and fees to my account. I am very frustrated about this. I feel helpless.

Company response to consumer: Closed with explanation