vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-20 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: NV

Complaint narrative:
I had submitted this information a couple of months ago. These are not my debts, nor do I have a contract with any of them. Please refrain from these companies reporting to my credit report as it's hindering me from attaining a house loan. Again, these are not my accounts so please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My mortgage loan was paid off at Select Portfolio Services , Inc. on XX/XX/2021, and I am still receiving statements indicating that a payment is due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: VA

Complaint narrative:
A {$79.00} dollar debt was placed on my credit profile however, I was not given any information regarding this debt nor was I ever admitted to this hospital. This information is false. No debt verification information was sent to me to verify this debt, it was just placed on my credit report without proper knowledge. This company did not provide me with validation of this debt but placed an unverifiable debt on my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: MoneyLion Inc.
State: FL

Complaint narrative:
Money lion never gave me a loan for {$1000.00} as well as my checking account was linked for payday advance that is the same as my employer direct deposit. Account is not is collections and closed, incorrectly reported my account as delinquent on my credit. Please help Im being scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: GA

Complaint narrative:
I rented a car with XXXX rental car on promotion as a traveling XXXX worker the promotion was 400.00 for a total of 493.00 I had the car for 2 months after doing a extension it equal out the I had it for 2 months and like 4 days. The car was returned in brand new condition with a full tank of gas. The company charged my card for over 3500.00 and submitted falsified information to discover as my total shouldve been about 1175.00 at my daily rate per my signed contract that I thankfully took a picture of I have sent a complaint over to the XXXX and they agreed to take off about 1000.00 which is still a inflated price as they over charged without giving me my discount that I agreed upon. Discover has closed my account as i refused to pay those inflated rates that not what I signed for. My credit score plummeted and I have a bad outlook now because of it. Discover has refused to accept my signed contract and faxes stating they dont see it on the attached photo.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: LA

Complaint narrative:
I've seen those inaccurate and unknown accounts on my credit report, so Ive sent documentation lastXX/XX/2021, it almost 30 days now but I haven't received any response yet. I demand to REMOVE ASAP those accounts or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX never gave me a loan for {$1000.00} as well as my checking account was linked for payday advance that is the same as my employer direct deposit. Account is not is collections and closed, incorrectly reported my account as delinquent on my credit. Please help Im being scammed.

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 2021-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I received a bill from Synchrony bank for my Amazon.com store card in XXXX. I paid the amount due, I saw later the bill was received 2 days after the due date ( around XX/XX/XXXX ). I contacted Synchrony, using their automated system, it said I would be refunded the late fee of XXXX ( my total balance on the card was XXXX which was paid on XX/XX/XXXX ). I received another bill in early XXXX saying that I owed {$110.00}, including a {$38.00} late fee. When I contact Synchrony they said I had a missed payment of {$38.00}, since the {$14.00} was not enough to cover the XXXX plus the XXXX late fee ; even though the XXXX late was refunded. The balance that was supposed to be paid was apparently {$38.00}, which incurred a {$38.00} late fee. When I called and inquired about the late fees and the balances owed, they said I missed the payment that was due after the first payment in XXXX and that was the reason for the second late fee. Even though I never received a second bill, and the initial late fee charge was waived. Over the phone they told me there was nothing they could do, and the second 100 % late fee would be charged.

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 2021-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I am having problems with several Mobile Apps along with a series of unexplained charges and delays in proper credits to my American Express Serve Card. My current issues with American Express starts with a review ( hold ) on a {$63.00} credit from XXXX, instead of letting it credit back to my account Amex has it under review. The next issue is a series of XXXX rides on XX/XX/XXXX. I booked a ride for {$7.00} to XXXX XXXX, I waited 2 hours that driver never showed up. The next two rides from XXXX were approved The first ride was for {$15.00} ... XXXX credited the no show ride of {$7.00} to this ride and charged {$7.00} to cover my 2nd ride for a total of {$15.00}. That would be $ XXXX minus {$7.00} that had already been paid from my no-show ride. My 3rd ride from XXXX on XX/XX/XXXX was for {$15.00} there was sufficient balance for this charge. This morning my account is - {$7.00} I have been on the phone in queue over an hour with Amex and can't get sufficient assistance. 

I briefly ( after a long wait ) spoke to an Amex Representative that identified herself as XXXX ... when I requested an explanation of why my account was - {$7.00} in my main account and also an explanation of delays with multiple credits due my account. I was given notice my fees for XXXX were waived yet {$23.00} in fees are showing charged to my account. XXXX transferred me to another Department ... I was alsoI given a number to call incase the transfer from XXXX was disconnected XXXX ( XXXX ) XXXX ... I stayed in queue about an hour when XXXX transferred me and I then tried calling directly without a Representative answering the phone after waiting over 35 minutes. 

I have a pending charge from XXXX on my Amex for a canceled food order of {$25.00} from XX/XX/XXXX. My order only cost {$25.00} and XXXX allegedly refunded these charges on that same date. Right now more than I approved for this canceled order is still pending on my Amex account {$25.00} and additionally smaller charges at XXXX each. 

I am desperately looking for safe banking options so that I can change from American Express. I am owed credits of approx {$100.00} to my account that are just floating around in Cyber Space. Please imagine my surprise being due money and having an unexplained- {$7.00} ( negative ) balance on my account this morning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
Freedom Mortgage is trying to get me to refinance for lower interest rate. I would get lower rates but would have to restart over on the loan losing current interest in the home i have. The value of home has doubled and i feel they want to take the equity from it. I told many representatives that both me and my wife are not interested and to stop calling my phone, stop sending postal mail correspondence and stop email me. I have blocked everything I can do, but they still manage to get through especially with phone calls. I have a log of them calling me - literally 13 times in a 2 week period including 3 times in one day. I wish I know a way to get my mortgage moved to another lender. Freedom Mortgage is awful people to deal with. The most common numbers being used to call me from XXXX and XXXX ( the XXXX # has not called back, but the XXXX # continues to call back even after I have blocked it ; somehow it gets through ).

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 2021-03-20 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: LA

Complaint narrative:
I've seen those inaccurate and unknown accounts on my credit report, so Ive sent documentation last XXXX, it almost 30 days now but I haven't received any response yet. I demand to REMOVE ASAP those accounts or I will file litigation.

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 2021-03-20 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: Coinbase, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX Coinbase ( Coinbase Wallet ) XXXX XXXX  XXXX # XXXX XXXX XXXX, CA XXXX On dates ( summarized ) : - XX/XX/XXXX Sent ETH to Coinbase Wallet - XX/XX/XXXX Sent MANA to Coinbase Wallet via Coinbase/XXXX  XXXX Sent BTC to Coinbase Wallet  XXXX Sent XLM to Coinbase Wallet via XXXX XXXX Sent XRP to Coinbase Wallet via Coinbase XXXX I downloaded this app from the XXXX Platform to my mobile device and screenshot my recovery phrase on this specific date ) XXXX Coinbase Wallet became inaccessible XXXX Coinbase Wallet was created The sum here is I have transactional proof of where funds got to my previous wallet. I'll be more than happy to disclose in more detail these transactions and whatever else to do so. 

I am writing you because ( I have been locked out of my account due to what I highly speculate is that there was a bug with the fingerprint authentication leading to being locked out of my funds. The new 12-word mnemoic phrase for my empty wallet is EXACTLY the same which I can screenshot for proof as well ) : -The customer service team has not fully resolved Case # XXXX ( prematurely closed ), now Case # XXXX. 

Under the " Sale of Goods and Supply of Services Act, 1980 '' and from XXXX ( will be the last point ) - The supplier has the necessary skill to provide the service -The service will be provided with proper care and diligence - The materials used will be sound and that good supplied with the service will be of merchantable quality - " ... This means that if you lose your recovery phase, you will lose access to your Coinbase Wallet ''. I never lost it so when it locked me out, I should have been able to log back in. Makes sense right? 

Well, that's not what happened and that's why I am submitting this complaint today. This crypto wallet has become inaccessible no fault of my own and I need Coinbase Wallet to do the right thing and redeem my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
Coinbase XXXX Inc. or XXXX did not credit my account XXXX XXXX XXXX ( virtual currency ), currently equaling XXXX in USD. This transaction was successful and in Coinbase hands XX/XX/XXXX, following that date I initiated a detailed support request showing the successful transaction. I have not received any followup, I have even attempted to track down their associates via social media. I have been completely ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX XXXX XXXX I filed chapter XXXX bankruptcy in XX/XX/XXXX.of XXXX case # XXXX included in that case was auto loans with XXXX XXXX XXXX XXXX they merged with Pen fed credit union while the loans were in bankruptcy the plan was confirmed on XX/XX/XXXX an completed onXXXX an discharged but pen fed an experian are showing them as charged off with balances when the plan was completed pen fed sent me out certificates of lien satisfaction dated XX/XX/XXXX an also sent me titles to vehicles loan XXXX XXXX i have contacted pen fed several times about the inaccurate information.I received a letter for the them dated XX/XX/XXXX stated information reporting is correct an that I took out the loans in XX/XX/XXXX while i was under the bankurptcy i resubmitted another dispute explaining it was not correct an that have documentation showing that the loans were included in the bankruptcy an discharged an that i have a copy of bankruptcy showing XXXX XXXX  XXXXpen fed as creditors i haven't heard a response as of yet i have also disputed with experian an they have refused to get the account validated an stated that it is showing correctly .this misreporting of information is causing me an my family tremendous financial hardship i've been turned down for several loans my XXXX  is starting college an i can/t get approve for student loans because this erroneous information on my credit report this my last step before legal action

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 2021-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: MD

Complaint narrative:
Ive never been delinquent nor missed a payment. I paid off the balance and received a notice that the APR was increasing to 23.49 %. When I called Elan Financial Services, they informed me that it was due to the credit bureau report. My credit score increased by XXXX points to XXXX in the past month. This is a good credit score and there were 4 credit cards paid off so my debt decreased. Why is the APR increasing? This IS NOT a new credit card. There is no introductory rates as Ive had it for a few years. I will be attaching proof of my credit score via my XXXX credit card, the letter received from Elan and a copy of my account. This is abuse of financial power. During a pandemic, Im being punished for paying it off. They can no longer collect fees from me so they punish me for it. They must be stopped. This isnt fair nor right. I also tried to view my credit score per the services available to me, however, it kept routing back to the same page, basically, Elan says you can view your credit score for free but dont have this function/process active!

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 2021-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
They made 2 fees in one transaction. Im receiving unemployment because of the pandemic and I called them explain and they didt give me the fee back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I refinanced my home in XXXX. It was sold to Freedom Motgage. Since then I have had trouble with them crediting my account. I have always paid my payment on time and in full. I was separated from my husband in XXXX of XXXX and unbeknownst to us, we were both making payments on the mortgage. I was paying the XXXX and he was paying the old amount of XXXX. When I became aware of it last summer, I called the company and they said that instead of crediting my account they were holding the money somewhere else. Then when I opened my XXXX bill of XXXX. My balance had increased from my XX/XX/XXXX from XXXX to XXXX on my XX/XX/XXXX statement but my balance due was XXXX. I went online and there were several unusual transactions posted. One being for over XXXX on XXXX called XXXX and they told me that they dont have the extra payment info. My husband and I both have bank statements to prove our payments. They say that in XXXX of XXXX my payment was increased from XXXX to XXXX that I was still paying the XXXX amount so in XXXX of XXXX when my payment was increased again they recalculated my XXXX payments. First of all, my bank statements show that as of XXXX of XXXX I was making the new payment of XXXX. My husband was paying an additional XXXX. They still wont tell me where the extra payments that we made XXXX through XXXX went. They are saying that it was applied to the loan. Why did my balance go up then? Again I have bank statements that show all payments being in full and on time.

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 2021-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
Affirm provided me with a Virtual credit card for a purchase from XXXX XXXX  XXXX. I have paid {$460.00} towards this purchase, but did not receive the item. OnXX/XX/XXXXAffirm sent me the following e-mail : Your recent {$1200.00} transaction at XXXX XXXX  XXXX was declined because we believe this merchant is prohibited by our Terms of Service. 
Your purchase was flagged as potentially prohibited in Section 4 of our Terms of Service. This could have happened if the merchant you are purchasing from uses money transferring services such as XXXX or XXXX or if the merchant sells restricted items such as weapons or drug paraphernalia. Although we can not evaluate each transaction individually, we believe your transaction falls under these restrictions, and unfortunately this decision is final. The Affirm team I reached out to XXXX XXXX XXXX, but was unable to get a response from this matter. 

I was hospitalized for XXXX XXXX at, approximately, the end of XXXX and am just now able to respond to this email from Affirm, but, as stated, their website does not have a phone number where I can reach them regarding this matter and obtain a refund. 

Please assist me in obtaining a refund of the {$460.00} paid toward this purchase, which was not received and which Affirm is telling me they are unable to process, despite their accepting money toward the loan, which I thought would be fulfilled. 

XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Best Buy ( Citibank ) closed my store charge card without notice to me. This prompted a drastic drop in my credit score. I called their customer service line to find out why the account had been closed where there were no disputes, unpaid charges, or other problems. I was informed that my card had been closed only because I had not used it in more than 24 months. I requested that the card be reopened, so that the history associated with it be restored to my credit bureau files. They refused and told me I would have to apply for a new account at a Best Buy store. This is unacceptable!!! I was NEVER GIVEN NOTICE that the card would be closed if I didn't use it for a certain period of time. I have had numerous other credit cards for years without using them and not had this problem. It is inappropriate and unacceptable for a creditor to unilaterally close a consumer credit account without notice to the cardholder, especially during a national emergency like the pandemic, when we are all struggling to maintain our finances. All I want is to have the card reopened under the same number as before.

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