vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have been a Coinbase customer for over a year now,. Their platform sucks. I had an issue with my Coinbase One account and the customer service lady advised me that it was an issue that couldn't be fixed and the best thing to do would be to delete the account and create a brand new one. The issue : it takes MONTHS to get the limits back that I had previously before ( {$7500.00} debit card/week ), new account was {$25.00} right off the bat. Coinbase allows you to buy Crypto using XXXX as an instant payment method literally stating your funds are available for withdrawal directly after a successful purchase through XXXX. THEY DON'T tell you that when you create a new account there is a 21 DAY WAITING PERIOD after your first crypto purchase where you can't touch your funds cause they're on hold. I was under the impression I could transfer the XXXX I purchased out of Coinbase immediately. Where the XXXX do they tell people about this hold???? I wouldn't have purchased such a large amount of crypto right off the bat if I knew this hold was going to occur. They claim there's no solution. This is ridiculous. Terrible customer service : literally just repeating herself over and over. I asked to delete my account and withdraw my funds immediately but they're saying it's not possible for them to do so until the hold is up in 21 days. Ok, that's just not true. I need that money for rent. They XXXX your first deposit of funds right into the platform so they can use it to profit off lending to others. They don't tell you this. So unbelievably frustrated. Coinbase actually sucks and their customer service is literally just people reading a script. I want my account closed and my funds withdrawn immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
XX/XX/2018 I visited XXXX XXXX for a cardio check up due to XXXX XXXX. I have insurance through XXXX XXXX XXXX. Some tests were ran then I left an hour later. In the mail I received a letter asking me to pay {$3400.00}. Maybe it was more, but as of now I see that amount. I researched the collection agency and they arent authorized to conduct business in California where I am located. I have documents attached showing the states they are authorized to conduct business in. California isnt one of them.

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 2022-10-06 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: FL

Complaint narrative:
This is XXXX XXXX complaining about your failure to respond to my request to provide MOV, I sent it on XX/XX/2022 and it has been already over 30 days but I still haven't received any response from you. This matter to me and I am prepared to take legal action if that's what it takes for you to take this matter seriously.

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 2022-10-06 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:
his is XXXX XXXX complaining about your failure to respond to my request to provide MOV, I sent it on XX/XX/2022 and it has been already over 30 days but I still haven't received any response from you. This matter to me and I am prepared to take legal action if that's what it takes for you to take this matter seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Applied to a apartment. Apartment told me I didnt qualify, they would refund me the admin fee. Filed a dispute with BOA. XX/XX/XXXX BOA ask for evidence and proof of the merchant stating they would refund me. I send over the information. BOA is refusing to credit my account while they investigate! Claims, because the amount is XXXX dollars they cant credit the account. However, a coworker has disputed charges with BOA with amounts over XXXX and was still able to have the funds credited to their account while the investigation happened. Its been over 30 days. They are not trying to do anything to fix the situation as it is now going on 40 days.. They are waiting to base a decision off what the merchant says despite me providing them with all the emails and proof they asked for!! It should not take as long as its taking if I provided every piece of evidence and proof I have!

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 monetary relief
Consumer complaint received 2022-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a loan with Regional Acceptance Corporation, and XX/XX/2021 I reached out to them regarding the vehicle. The call was in regards to the car steering being out of order after a minor accident and was hoping to work out an extension on my payments to fix the car myself after the insurance company refused to pay for the repairs. They denied me any assistance to extend my payment and at that time I could not afford to fix the car and make the payments. The car had been towed to the local XXXX dealership by the insurance company and was unable to be driven. So I called the finance company and surrendered the vehicle I let them know the condition of the vehicle and I was told that they would be retrieving the vehicle I was told I would receive a call back regarding the car. After about a few weeks or so I called back after discovering they had not retrieved the vehicle from XXXX and I explained the situation once again I was told that the vehicle would be picked up and sold and the amount would be applied to my balance. months went by and I was contacted by the loan company regarding payment I informed her that I had surrendered the vehicle and inquired about the credit that was supposed to be applied due to them retrieving the vehicle and what was the process that I needed to take to set up a payment arrangement she was not able to assist me and no attempts were made by the loan company to communicate any decisions made regarding the vehicle at that time. 
I had not been called anymore afterwards regarding the surrend of the vehicle but would occasionally receive a bill from them and no other correspondence. Yesterday I got a call from XXXX regarding the vehicle still being in there lot from over a year ago. I contacted the finance company today XX/XX/XXXX regarding the account that they had sent into collections. I inquired as to why the vehicle had not been picked up or no why there was no communication regarding the change of plans to retrieve the vehicle. I spoke with XXXX and XXXX who stated that the company decided not to retrieve the vehicle due to the condition of the vehicle, and that they didnt have to retrieve it because the vehicle belonged to me but they would not be able to release the title to me unless I pay the XXXX balance in full because they owned the lien on it. They offered no options, and failed to communicate changes with my loan anytime during this process. I have been given the run around and contradicting information several times regarding the loan itself and I would like this to be resolved please help.

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 2022-10-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX XXXX was taken out of account a XXXX transaction that was not authorized, through Bank of America. The transaction was done by XXXX logistical services have no idea who that

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 2022-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: FL

Complaint narrative:
I have tried multiple times to contact the Hud office as well as the county offices that are supposed to help with dealing with mortgage companies. I was not offered a fair partial claim as I was told by the FHA lady when I spoke to them about the issues of this company trying to take over my mortgage and stating I owed more than I owed my original lender. Also I was told I must pay the XXXX for the partial claim in XXXX. The mortgager states I am 659 days past due which is not true. I was in forbearance until XX/XX/2022. I was not offered the 25 % deduction, or offered for the partial claim to be added to end of my loan. They were trying to say it was for XXXX when I only ever had a mortgage for XXXX with XXXX XXXX. This all violates my rights via the American Rescue Plan and the Cares Act. They are violating my rights as an American citizen. I never was served any foreclosure documents, I was not signing a partial claim that violates my rights. I alerted the company in XX/XX/2022 via XXXX XXXX and the credit bureau that I had been accepted and eligible for the Home Owners Assistance Fund. I have paperwork stating different things and different information on each. I just want my mortgage to offer what I am supposed to be offered via American Rescue Plan. I do not have a phone to contact the company themselves. I have tried to reach them on the website but they have shut down that possibility as well stating I need to call them. They do not offer a way to email them. They are trying to violate my rights as well as steal my home from me. I was never offered what I was supposed to be offered. I did not have {$13000.00} because I paid {$17000.00} when buying my home. This amount was to be added to the end of my loan, as well as the numbers they have tried charging me were all incorrect. I was accepted by the HAF program and eligible but yet they do not want that to happen.

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 2022-10-06 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:
Please see documentation for dates and times. 

I reached out to XXXX to inform them that I was receiving a federal grant from XXXX through XXXX to prevent homelessness, and that I was looking to have this account paid in full and deleted from my credit report. I was then told by my caseworker at XXXX that she would need a W-9 from XXXX XXXX  XXXX XXXX I called XXXX XXXX and asked them for it and got an extremely unprofessional response from both women one XXXX XXXX. She stated they cant give it to me and I had to further explain that I was trying to pay this account through a federal grant program. She then goes on to say we dont work with any grant programs. Finally after having her be so nasty with me I was able to get her to tell me the XXXX has to be the company who sends the W-9 and takes the payment. I also had her email me the full ledger and balance and told her that I would be contacting XXXX for the W-9 to be sent. 

I reached back out to XXXX at XXXX ext. XXXX not too long after, only to hear that XXXX XXXX had just called and told him they wanted to settle my account for XXXX XXXX  which is something I NEVER asked them to do and my every intent was to have this FULL BALANCE paid so that it will be DELETED. XXXX had his manager send the W9 form to my caseworker at XXXX. By the time I was able to speak with my caseworker she had already submitted the application for the grant with the settlement amount so the grant only paid half of the balance. However I do have a paid in full letter stating that I have a zero balance, but this was misuse of the government funds and still leaves me in the same situation ( homeless ) because its not been DELETED as it should have been. The calls were ALL being recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of 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 non-monetary relief
Consumer complaint received 2022-10-06 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: TX

Complaint narrative:
Re : This is not your typical disagreement. Act right away since you are in violation. 
FCRA Sections 616 and 617 : NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES Accept my final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to reach a settlement without going to court about your continuous violation of the Fair Credit Reporting Act by refusing to remove INCORRECT, UNVERIFIABLE, and INVALID information from my consumer file. If the INACCURATE, UNVERIFIABLE, and INVALIDATE articles described below are not removed right away, I intend to file a lawsuit in accordance with the FCRA to seek relief and recover any financial damages I may be entitled to under Sections 616 and 617. A duplicate of this letter was given to you, along with some inaccurate, mistaken items.

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 2022-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Stellantis Financial Services US Corp.
State: OH

Complaint narrative:
To whom it may concern, My auto lender, First investors, illegally repossessed my vehicle. I understand stand my rights as an consumer and what is a consumer transaction. Under US Code 15 section 1602 paragraph I. It states that, any card or coupon book can be a form of credit. That means that the vehicle was paid off through my social security card. And also in section US Code 15 section 1611. Talks about companies willing and knowingly to defraud consumer. So with just these to rights alone, should have prevented First investors from illegally removing my vehicle from my possession. But to further prove that the vehicle had been paid in full and kept into my possession. I had cap insurance on the vehicle. Which by law pays the remaining balance of the vehicle. If I couldnt continue to make payments or if the vehicle was deemed, totaled out.

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 2022-10-06 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-06 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-06 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: IN

Complaint narrative:
Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of 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 non-monetary relief
Consumer complaint received 2022-10-06 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: IN

Complaint narrative:
Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XX/XX/1921 I wanted to make a early payment to my credit card. {$220.00} XXXX put my funds in my bank account waiting for capital one to take it out for my quick silver credit card. Waited 5days they never took the money I checked my capital one app and the available credit was now XXXX  when I left {$75.00} I was told we can take your available credit if a payment returned.i called my bank verified capital one never took the funds. For XXXX. The capital one rep XXXX said he will put my available balance back into my capital one account and he wanted to make sure I get the credit for XXXX as a curiosity for all the trouble I've had this pass week with capital one. The XXXX was pending 10hrs then I called capital one back they took it out of my capital one pending balance and said again your payment was returned.i called my bank verified again capital one never took XXXX out of

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-06 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: TX

Complaint narrative:
I am a natural person, I am a living human being I have rights under 15 USC, 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the account listed below be removed because A According to 15 USC 1681 : I have a right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$1400.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$2200.00} In good standing XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX {$8900.00} In good standing XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX {$3900.00} In XXXX standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$5800.00} In good standing XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX {$3500.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$6000.00} In good standing

Company response to consumer: Closed with explanation