vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AMERICAN HONDA FINANCE CORP
State: LA

Complaint narrative:
I WAS CONTACTED ABOUT A DEBT THAT DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Oklahoma Student Loan Authority
State: NM

Complaint narrative:
I was attending XXXX University and taking online classes and before I completed my degree I ran out of financial aid. I am certain, when I read how much financial aid I had it said life time.. anyway they wanted me to start paying them out of pocket.. If I could do that I would not be on financial aid..I was almost done when this happened ..They had sent me an email that My next payment was XXXX dollars.. I was so close on finishing.. but because I couldnt pay I just quit being that I was so discouraged. How was I suppose to come up with that amount..I need to get access to my history on all my classes that were payed, at times I saw that I was being charged twice or three times for a class. This University was put on probation during the time I attended.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX I opened mail received from Netspend Corporation ( All-Access by XXXX ) that I never heard of or had prior business with. Inside was an actual Debit card from their corp. and it included deposit/debit/credit policies asking me to activate their CARD. There is NO live body to speak to in order to obtain information, cancel all contact, and/or ensure they will not attempt to contact me again. Nobody answers phone no. provided. The ph. no. is only a recorded message asking a person to input CARD NUMBER! I will NOT! I don't know who these people are! Total SCAM Possible! duh!!! This Organization, Corporation, whatever they actually are should not be allowed to do this. If they wish to " market, advertise, solicit '' people they should do so with complete and honest TRANSPARENCY. I called the number provided and could not leave a message. The PHONE RECORDING only asked CALLER to provided the CARD NUMBER if they wish to Opt Out?!!! No way! Then they have my card, name, addr, phone, etc. and I do NOT know WHO They Are! The mailer correspondence provided a email address but again in order to cancel they ( whoever THEY are?? ) want the card number that also includes MY NAME!!! Absolutely NOT! This should be an illegal act if it isn't already. This is NOT Safe! I do not want this or any relationship with this company and now you couldn't pay me to associate with them. I'm passing this info around social media so I  do hope someone at YOUR Firm takes corrective action immediately.

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 2020-08-28 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: PNC Bank N.A.
State: KY

Complaint narrative:
PNC credit card, During the Covid-19 crisis I was forced closed by my state ( KY ), I am a XXXX XXXX XXXX  I was forced to close fromXX/XX/2020PNC said they were extending COVID Relief I called in and took advantage of the relief immediately once I became without income. Bc of an error in my states system ( Ky ) I did not get unemployment check until XXXX so I was literally with out income for nearly 3 months. Ive had this card for 15 years and have always paid everything on time. Obviously this pandemic had everyone in a place theyve never been. Discovering recently that in my credit report it shows non payments during this time although I called to notify them I was without income. Ive had credit for the better part of 15-20 years and have always paid and taken care of my obligations and the one time I need a helping hand from a Bank that I have paid multiple loans off with I get no such helping hand and they are trying to hide behind some kind of technicality, like gotcha. Its disgraceful and unbecoming of a business relationship. Im XXXX years old and have a wife and XXXX kids. We are a single income house. My wife stays at home with our kids. We own a XXXX XXXX and  take responsibility of my finical obligations, obviously Covid put us all in a very untenable position and I think these financial institutions should be able to hide behind red tape especially when people reach out to them to let them know what was going on and hat I was without income. Bc of all of this, I cant get a mortgage to buy a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: GA

Complaint narrative:
This company has been attempting to Steal money from me since 2016. In 2016 I purchased a riding lawn mower and a leaf blower from XXXX. Both items were defective and therefore I immediately contacted the company, they stated that it was no longer their problem and to speak to my local dealer to " see what they can do ''. After months of going back and forth I decided to return both items, And I did. I submitted two CFPB claims during the situation in 2016 ( CLAIM NUMBERS : XXXX and XXXX ). Now XXXX years later this company is again trying to take money it is not owed by sending it to a collection agency. This collection account is false and can be considered fraud. I will not be paying as I returned the defective items they refused to exchange or repair for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: NV

Complaint narrative:
My information was stolen in a data breach and now I have multiple accounts on my credit report that are not mine and I did not authorize. I filed a police report, filed identity theft and disputed all items with all 3 credit bureaus. The credit bureaus keep saying that the companies verified it as valid which I don't understand how that is when it was not me who authorized the opening of them. They refuse to help me and keep telling me to call the companies the accounts were opened with and I have multiple times and they're no help either.

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 2020-08-28 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: GA

Complaint narrative:
On XX/XX/2020, I mailed a dispute to TransUnion with a certified receipt. My dispute was for the inaccuracy of two Chapter XXXX listings under Public Records of my credit report. Enclosed with the dispute letter was a letter from the US courts verifying that the courts do not provide any information to Credit reporting agencies. I also sent the same dispute to XXXX. TransUnion completed their report on XX/XX/2020 with a result of finding the Chapter XXXX information to be accurate and recommended disputing my inaccurate information with the third-party vendor, XXXX, whom furnished the information to TransUnion. XXXX completed the same dispute on XX/XX/2020 and stated that the information could not be verified in the timeframe oulined by the Fair Credit Reporting Act and subsequently removed both chapter XXXX filings from my XXXX report. I filed another dispute with TransUnion, sent by certified mail on XX/XX/2020 for reinvestigation of the the inaccuracy of information of the chapter XXXX listings on my credit report. Enclosed with the dispute letter sent to TransUnion were my XXXX response and the letter sent to me from the US Courts stating that the courts do not provide information to credit reporting agencies. TransUnion completed the XX/XX/XXXX dispute on XX/XX/2020 stating that the information was accurate and will remain on my credit report. On XX/XX/2020, I called TransUnion and verified with their Dispute Supervisor that the documents that I mailed, the US Courts letter and the XXXX report were received. The Dispute Supervisor read both documents to me. The Supervisor stated that TransUnion will have to have the courts send them a letter stating that both filing of Chapter XXXX were discharged. The Supervisor read the letter from the US Courts stating that they do not provide information to credit reporting agencies, but insisted on refusing to remove the information from my credit report. TransUnion refusal to remove the inaccurate information on my credit report is clearly a violation of both the Federal Trade Commission and Fair Credit Reporting Act. Please assist me in having TransUnion remove the inaccurate information in accordance with the Federal Trade Commission and Fair Credit Reporting Act.

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 2020-08-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC

Complaint narrative:
I have been contacted about an account that is over 4 years old. They threatened to sue and garnish wages and even contacted my employer and friend. 
On XX/XX/XXXX a locator contacted me and left a voicemail about a case against me for supposed fraud and breach of contract for XXXX XXXX XXXX. After not being able to reach me, this same locator XXXX XXXX contacted my job and a friend of mine telling them to contact me. After receiving voicemails from the 3 of  them, I contacted XXXX to determine what the issue was. The agent said it is in reference to a XXXX XXXX account ( that had been closed since XXXX ) and prompted collection of the alleged amount owed or I would have to appear in court. After doing my due diligence to find the account on my credit report, it shows the cash central account was indeed closed and listed {$0.00} as a balance. However, this company is claiming I owe {$1200.00}. A complete validation letter has not been given to me. The collection account is not on my credit report and the collection agency did not have my address on file or gender correct in the correspondence I did receive. This company seems like a scam. I almost fell into the trap before researching SC 's statute of limitations laws and looking into my credit file. The " validation '' letter they emailed me clearly does not even contain all of the required information. Even after sending them cease and desist letters In XXXX via email and postal mail they continue to contact my relatives in an effort to reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: AR

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX   XXXX {$53000.00} XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX, XXXX XXXX {$65000.00} XXXX XXXX XXXX {$1000.00} XXXX/XXXX   XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} XXXX   XXXX {$590.00} XXXX/XXXX XXXX {$350.00} XXXX XXXX {$4600.00} XXXX XXXX XXXX {$3800.00} XXXX/XXXX   XXXX {$740.00}

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 2020-08-28 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: AR

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX   XXXX {$53000.00} XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX XXXX XXXX {$65000.00} XXXX XXXX XXXX {$1000.00} XXXX/XXXX   XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX   XXXX {$590.00} XXXX/XXXX XXXX {$350.00} XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX XXXX   XXXX {$740.00}

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 2020-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: N26 Inc.
State: TX

Complaint narrative:
Today XX/XX/XXXX, around XXXX I was shopping with my N26 credit card which a product of XXXX XXXX and was shortly advised my card was declined. I proceeded to contact the bank via email, chat as well as over the phone. All communication platforms I was being hung up on over the phone, chats were ended and I was on hold and then told " we can not assist you at this time, and have no information for you. '' the total amount in this account is {$2700.00} XXXX. I do receive small deposits into this account. I learned later that my telephone number was blocked and general message populated which stated " We can not assist you, wait for us to contact you '' and the line disconnected again. I did do some research Online with this bank and found out under their XXXX accounts that there are hundreds of the exact consumer complaints of their accounts being frozen and never seeing their money again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
On XX/XX/2020, I received a text notification from my Robinhood app stating that a bank account was added to my account. Since I didn't add it, I emailed robinhood support to notify them. About an hour later, I received a series of messages notifying me that my stocks were being cashed out! I emailed Robin hood again to let them know that my account was hacked. In total, I've lost close to {$1000.00}. I have not been able to sign into my account since it was compromised. Since Robinhood do not have a phone number for customer service, I've emailed them XX/XX/XXXX, XXXX, and XXXX. They have yet to respond to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
( 1 ) In the month of XXXX, I made 9 conversions between one digital currency and another. During that conversion, there was no disclosure of any fee for the transaction. It actually says that the Coinbase Fee for the transaction is XXXX ( see example image ) as stated on the order preview for the conversation. 

Post conversion, I realized that the post conversation dollar amount was far less than the pre conversation dollar amount. 

Upon complaining to Coinbase, I received the following. Note, I am an expert on these types of derivative transactions and this is an entirely false claim -- if there are funds reserved for liquidity or volatility risk mitigation, those funds need to be returned to the beneficial owner and not retained by Coinbase. Also, I have gone back to them several times for clarification and asking for the exact mechanics of the swap/conversion. They have refused to address after several attempts. 

" Hello xxxx, I'd like to explain what happened and why the fiat value of the funds you received is not the exact same as the value you were expecting. Depending on the volume and prices of orders on the order book at the time when a conversion is created, the conversion may fill  at a price less favorable than the most recent trade price, in some cases significantly so. This is commonly referred to as 'slippage '. This can cause an order to produce results that are more favorable, equal to or less favorable than original expectations. 

Per our Pricing and Fees Disclosure ( https : //help.coinbase.com/en/coinbase/trading-and-funding/pricing-and-fees/fees.html ) : Coinbase applies a Spread of two percent ( 2.00 % ) for Digital Currency Conversions. However, the actual Spread may be higher or lower due to market fluctuations in the price of Digital Currencies on Coinbase Pro between the time we quote a price and the time when the order executes. We do not charge a separate Coinbase Fee for Digital Currency Conversions. 

I hope this information helps! 

Regards, '' ( 2 ) Many days, even weeks after transferring money ( and the money being fully debited from my arround ), it is still often unavailable to transfer out of Coinbase. This is likely because they are using the funds internally to generate revenue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-28 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
You reported late payments for my auto loan From XXXX- XX/XX/2020.  These payments were made on time and were not late. I called and spoke to representative and he verified this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2019 I used my Macys American Express credit card to buy an item from Macys for the amount of {$15.00}, Time passes By and I didnt receive any statement for my bill until 3 months later I received an email for a past due payment of around {$90.00} including the late fee of course. I called and told them that I havent received any bill for the past couple months, so they just waived some of the fees and I ended up paying about {$30.00}. 
This is not the problem, the real problem is that they reduced my credit limit from {$2000.00} to {$300.00} and they reported to they credit bureau that I missed a payment for two months. And my credit score dropped really bad. I never missed a payment in my life and I had an excellent credit score. It felt like a set up, everybody is busy around XXXX time and were all humans we forget things, thats why the credit card company send bills and reminders to pay. 
Please help me fix this, because I really felt helpless when I tried calling my credit trying to fix that issue. 
Thanks for your concern.

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 2020-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
My loan servicer, Flagstar Bank, incorrectly force placed flood insurance on my account on XX/XX/2020 for {$4200.00}. After detecting the error and contacting Flagstar Bank, they indicated a refund would be processed as they affirmed their error in not paying my existing flood insurance timely which caused the cancellation. It is important to note my account has escrows, the balance was sufficient to cover the cost of flood insurance and the flood insurance provider sent the renewal declaration timely. After checking my account to ensure the refund was processed, I discovered it was a partial refund of {$3400.00} on XX/XX/XXXX instead of a full refund of the {$4200.00} charged in error. I contacted Flagstar Bank again upon which they affirmed their processing error and initiated a research ticket to resolve and credit the account. I waited patiently for ~30 days and checked my account again to determine if the refund was processed. To my displeasure, it was not. I contacted Flagstar again upon which they affirmed the error and I requested the item be escalated and resolved by the end of the week. The end of the week has passed, I have not heard from Flagstar Bank and my account has not been credited the {$710.00}. While I understand the pandemic likely contributed to the issue as my policy expiration date was XXXX, I have made effort effort to resolve the issue with the servicer and feel this is the best course of action to draw attention to an issue that may be pervasive across mortgage servicers and ensure the {$710.00} is refunded in full.

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 2020-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I had two accounts approximately 14 years ago by 2 different companies. They are off of my credit report and have been for quite a while now. I received 2 notices from midland credit management attempting to collect these very old, out of statute debts. My wife called because the letters are also in violation of the FDCPA as there is no disclaimer stating due to the age of the debt they can not sue, and there are also false representations in the letter as it's asking for payment but gives no information on how to dispute said debt. I have never made any payments on these debts since they went delinquent over a decade ago and when I asked for proof, the rep on the phone stated she didn't have that evidence. All she said was the statute isn't up until XXXX, but these accounts were opened circa XXXX and XXXX and went delinquent within the same year. I have not heard from anyone trying to collect for these debts in over a decade.

Company response to consumer: Closed with non-monetary relief