vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
A collection company must have bought an old debt with my information but the debt wasn't mine I had to get an attorney because XXXX  even though I disputed it over and over. I've sent all the legal documents to XXXX and they are still not removing a collection that has damaged my credit for over a year now some of the other bureaus have finally removed it because of the legal docs that I've provided but XXXX is still not please remove Midland credit management it is not a collection I owe and you need to remove now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: IL

Complaint narrative:
Current loan company Amerihome mortgage sold my mortgage without giving me a proper notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Hyundai Motor Finance Company. The amount when first bill came was {$15000.00}. Payments are {$220.00} principal and interest. Every month for the last 14 months I have been paying {$300.00}. Which is {$73.00} over payment amount which was to go towards the principal of the loan. After a few payments I noticed the monthly amount was not changing like I thought it was suppose to. Called the company and I thought it was taken care of that the {$73.00} would now go towards the principal. This last payment I started adding things up and it still was not right. Call the company back again, they have been taking additional off the top of the {$73.00} and then applying the leftovers to the principal and then they tell me they can only go back 90 days to correct the problem and I have to call them every month to let them know to apply the {$73.00} to the principal.

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 2021-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX, I spoke to US Bank due to credit card account closure without my consent/acknowledgment. 

US Bank claims that they closed my account because I did not respond to letter/mail that were sent out for address verification ( on XX/XX/XXXX and XX/XX/XXXX ) which I never received. US Bank could not provide any proof of them sent out mail. 

US Bank also did not make an attempt to reach me via phone or email which were listed on my US Bank credit card account. 

US Bank is making a false statement about sending/mailing out such letter/notice because my account is set to receive any/all statement/letter/notice paperless, should received by email only, instead of in the U.S. Mail. 

Once again, I should not be receiving any letter/notice by physical mails, but only by email ( paperless ) and US Bank is lying about mails were sent out to me. 

I also checked, logged into my US Bank online, and copy of such address verification letter/notice is not available. This is usual unethical/illegal business practice of US Bank. 

To CFPB : It is expected that US Banks will respond to this complaint stating that my address on file is not a residential address and it's irrelevant to this complaint. US Bank needs to provide proof of US Mail they sent out to me and explain why they decided to send out US Mail ( if US Bank ever sent anything out via US Mail ) even if my communication/correspondent preference if set as paperless/email and why there's no such copy on my US Bank online. Once again, US Bank fail to use proper delivering method to notifying customer with such notice.

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 2021-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
At XXXX on XXXX I started receiving SMS verification codes from Coinbase. I woke up around XXXX due to constant pinging of my cell phone and saw all these texts and instantly knew something was wrong. I got multiple other texts saying withdrawals have been delayed for security purposes. I didnt do or authorize any of these. I jumped out of bed and instantly disabled my account online with Coinbase. I used their online submission form to disable. Since CB has no live agents to chat with I emailed them to ensure they knew these withdrawals were fraud. Since my account was XXXX I could not sign in to cancel these withdrawals. Ive emailed CB multiple times to inquire if they stopped these withdrawals that they put a delay on. I have heard nothing from CB on resolving this issue. On XXXX I started the account recovery process so had to send them pics of my drivers license and a selfie of me. They state it will be 4 days to recover my account. Since no communication from CB I dont know if they stopped these withdrawals or not. I have emailed 3-4 times with no response. 36 hours later and with 6 figures in my account before the hack I have no idea if I have any money left. Crazy that they cant assist me quicker and a multi billion dollar company has no live agents to help people immediately for these issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: NJ

Complaint narrative:
On XX/XX/2021 I received four emails ( one for each deposit ) saying that there wasn't enough money in my checking account to cover the 4 ACH deposits that were made, in the amounts of {$120.00}, {$200.00}, {$250.00}, and {$220.00}. The emails stated that if I didn't deposit enough money to cover these amounts within 7 days, the cryptocurrency in my account would be liquidated to cover these amounts. I followed the instructions in the FAQ on how to deposit more fiat, but it failed several times. I was finally able to deposit money into my account using my debit card on XX/XX/2021. I deposited a little extra to cover costs {$150.00}, {$200.00}, {$230.00}, and {$270.00}. All amounts show up as having cleared in my bank account. Since the company FAQ/support page stated that overdrawn accounts are usually restored within 5 days, after depositing the fiat, I simply waited. After all, they sent me an email automatically, it stood to reason that once they got their money, my account would be restored and I could trade again. After six days, and having had no contact from the company, and my account still locked, I sent them an email on XX/XX/XXXX, to which there was no reply. I finally opened a support ticket on XX/XX/XXXX. I got a form reply that they were still working on my ticket. I also tweeted under their company twitter with my ticket #, since it seemed that other annoyed customers who tweeted on their XXXX account got some sort of response. My tweet did not get a reply. 

On XX/XX/2021, I finally got a reply to the email I sent on XX/XX/2021. It thanked me for fixing my negative balance, and said my account would be unlocked within five days, and if it wasn't to send an email back to them. Five days passed, and my account was still locked. I sent an email to the account which told me to notify them if my account was still locked on XX/XX/2021, and received no reply. I checked my account this morning. As of XX/XX/2021, XXXX EST, my account is still locked, and I can not withdraw any of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
Ok So PayPal Limited My Account For No Reason and I Have {$100.00} Dollars on Hold And its been more than 180 days and I still have not gotten my money withdrawn I need that money for Family Emergencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/2021 with a balance of {$13.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: OH

Complaint narrative:
Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

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 2021-05-02 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: CA

Complaint narrative:
The issue is that all three credit agencies are not including my entire lines of credit when calculating my 'credit usage '. All three of them keep looking outside at the creditors who are reporting to them rather than looking at their own miscalculations. I have called and emailed them all but they seem incapable of correcting this error in THEIR OWN records. 

I have spent hours on the phone with them but their agents are not capable of correcting this problem. It is negatively affecting my credit score.

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 2021-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
This is regarding a money laundering compliant against coinbase.com for cryptocurrency worth around $ XXXX XXXX. Coinbase helped criminals facilitate crime who extorted me of a large amount of cryptocurrency. Coinbase aided and abetted criminals. Their customer service took over a month of countless followups to respond. They responded with a generic copy pasted response and DID NOT EVEN OPEN MY LETTER OR ATTACHMENTS. They are incompetent and I need help with getting a hold of a XXXX XXXX that will admit they have broken AML laws and owe me a full refund for my damages. I've attached a letter with all the details. 

In addition, they are not cooperating with law enforcement to reveal the identity of the of user who is the owner of the COINBASE COMMERCE MERCHANT account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: CA

Complaint narrative:
Account : XXXX XXXX # XXXX Date open XX/XX/XXXX Amount {$1300.00} Account : XXXX XXXX # XXXX Date open XX/XX/XXXX Amount {$4400.00} Account : XXXX XXXX # XXXX Date open XX/XX/XXXX Amount {$6100.00} THE ABOVE ACCOUNTS ARE NOT MINE. I HAVE DISPUTED ACCOUNTS WITH EXPERIAN AS WELL AS XXXX XXXX AS NOT MY ACCOUNTS SEVERAL TIMES IN WRITING. ACCOUNTS STILL REMAIN ON MY CREDIT REPORT. 
I specifically, deny that these alleged accounts/debts and/or accounts stated/implied and/or obligation is certainly NOT mine, if this alleged account/debt and/or account stated/implied is certainly NOT mine, I deny that these account/debt and/or account stated/implied and/or obligated to is NOT authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan-level documentation under the FDCPA 1692g ( a, b ). I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that this alleged account/debt and/or account stated/implied and/or obligation is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE & AUTHENTICATED contractual agreement nor obligation specifically with XXXX XXXX or any of its Affiliates nor have I ever engaged in any business with XXXX XXXX in the past and this trespass against me is a result of identity theft. I affirm that this alleged account/debt and/or account stated/implied is false, a grand misrepresentation of my good name, and has caused me injury for which I will seek redress, compensation, and settlement. I specifically demand within XXXX days of receipt of this affidavit, unmodified, original verifiable valid proof of claim on all claims of alleged accounts stated and/or implied by sworn affidavit under penalty of perjury to the location aforementioned above. I intend on seeking remedy for damages, equitable relief, and just compensation for any and all violations of my consumer rights and any other rights not mentioned.

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 2021-05-02 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: OH

Complaint narrative:
Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the XXXX law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that XXXX does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and XXXX authorization. XXXXPlease provide a breakdown of fees including any collection costs and medical charges XXXXProvide a copy of my signature with the provider of service to release my medical information to you.

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 2021-05-02 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: OH

Complaint narrative:
Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the XXXX law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that XXXX does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and XXXX authorization. XXXXPlease provide a breakdown of fees including any collection costs and medical charges XXXXProvide a copy of my signature with the provider of service to release my medical information to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: CA

Complaint narrative:
I recently sent two letters to Transunion regarding a XXXX account that is not mine and also in violation of Section 807 of the FDCPA. I requested validation and still have not received any response. This account is affecting my ability to obtain credit and move into a new home.

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 2021-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Total Card, Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX CHARGED OFF DUE TO COVID 19. THEY SOLD MY DEBT TO XXXX PARTY COLLECTIONS WITH NOTICATION TO CONSUMER AS REQUIRED BY LAW. AND ARE STILL REPORTING ON MY XXXX CREDIT REPORTS.THEY SOLD XXXX XXXX TO XXXX XXXX XXXX XXXX AND XXXXT XXXXXXXX XXXX XXXX XXXX THESE APPREAR TO BE INSURANCE PROTECTION COVERAGES GUARANTEED MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/2021 at or around XXXX XXXX XXXX, I attempted to make a purchase in the amount of {$170.00} using my debit card. The charge was declined. I had more than ten XXXX XXXX XXXX times that amount in the account prior to making the purchase attempt. The bank XXXX XXXX XXXX aka Chime ] is never available via phone to speak to a live representative. Instead only chat is available. I raised my question to the virtual chat session and the person on the other end simply closed the chat session without explanation or solution. This is not the first time this has happened ; a near identical situation occurred about XXXX weeks ago. I gave up after numerous attempts at reaching someone. Furthermore, this incident occurring today, XX/XX/2021 is extremely troubling as I am currently in a XXXX XXXX, now, without access to my assets and no explanation whatsoever. Again, I do not have access to any other funds and the XXXX XXXX in this country is rather hostile, unaccommodating, and an outright obstacle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
I have been trying to work with the servicing company that I make payment to for my mortgage for a short pay. My home is in an underwater loan situation and I want to offer the company the amount of money the home is worth. The servicing company is Select Portfolio Servicing Inc. I been applying for re-modification assistance with this company since XXXX of XXXX, first they tried to make me lose my home through a short sale ( fraud ) when they knew I wanted to retain the home. They sent someone to appraise my home and I offered them the amount of the appraisal. Each time I apply for assistance they send a letter stating the " mortgage owner '' has denied my request. No other explanations. When I request in writing and over the phone to know who the mortgage owner is on my home they send me documents of the original note which has a lender on it that is no longer in Business. 
So someone owns my loan and is the lien holder but SPS will not give me the name or contact information to this company. 
AS the landowner and payor of the mortgage I have a right to know who the lien holder is. 
I have asked for this information several times in the past XXXX  months and even put a request for the information in to SPS again today. 
They are hampering my ability to communicate directly with the lien holder which is needed in order to prevent losing my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation