vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-24 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 purchased Ethereum on XX/XX/XXXX from Coinbase. There was an incentive to convert the Ethereum into Ethereum2 with the promise of a good return on the investment before the year ends. Since it was already the end of XXXX the end of the year was very close I thought why not. I put all my Ethereum into the Ethereum2, it was XXXX $ at the time. Towards the end of XXXX the value of my Ethereum2 had gone down to XXXX XXXX And Im not rich and I wanted my money out because the return was not happening. The initial advert said the Ethereum2 can NOT be transacted until it is transferred back into the original Ethereum. I went to my Ethereum2 wallet on Coinbase and it said my funds were locked and could not be transferred or accessed in anyway BUT will be available shortly. Ok I figured shortly doesnt mean never. So I contacted Coinbase about getting funds out in the end of XX/XX/XXXX and I got a reply saying the funds will be usable before the end of the year. Coinbase kept changing its terms for the Eth2 investment. Well it is now the year XXXX and we are almost in XXXX. The funds are still unavailable. It feels like I got robbed or swindled. Like this is what investment scams do they take your money with promise of big returns and then they keep changing the return on investment date. In this case I have watched the value of my XXXX $ go down to XXXX $ with no way to get out. I have contacted Coinbase multiple times and they will not give me my money back nor do they have a time when i can get it back. Its very frustrating. I would not have agreed to this kind of investment if it was made clear that the money would not be made available indefinitely.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
The CITI CARDS CBNA with account number XXXX appears to be a charge-off account with a specific balance of {$430.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX, XXXX and XXXX Bureaus. As per FCRA, the 3 bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.

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 2022-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
My credit line was decreased without warning on XX/XX/XXXX. First, I reached out to the company via chat on XX/XX/XXXX about requesting my limit be reinstated ( as you can imagine the decrease affecting my XXXXredit score ). They told me to call a specialist. I did. The specialist told me to mail a letter. I mailed a letter on XX/XX/XXXX via certified mail from USPS. I did not receive a reply so I messaged again today on XX/XX/XXXX. Once again, I was informed to speak to a specialist. On a recorded line for 36 minutes. This specialist first told me that they can not access the credit limit decrease letter as the letter is confidential. I was confused as Citi was the one who sent the letter yet the credit specialist could not access it. Then the specialist told me to reach out to XXXX, but the letter clearly stated, Even though the reporting agency provided the information, it had no part in our decision and will not be able to provide specific reasons why we reduced your revolving credit limit. I became frustrated because I could not comprehend how you can not assist me with an explanation when it was sent from Citi. He then began to say that the reason my limit was decreased was due to late payments and to again contact XXXX. He stated there was nothing he could do to get my limit reinstated when the last specialist clearly told me to write a letter- all of this on recorded lines of course. I just checked my XXXX credit report- all of my payments since XXXX are on time for this account! It is clear that Citi would not properly explain the reason for the decrease and shifting responsibility to the credit bureau when nothing was in fact reported by them to have Citi make such a large claim.

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 2022-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Today at XXXX I received a text from Fifth Third : A charged of {$600.00} posted to your card on XX/XX/XXXX if you do not recognize this click XXXX XXXX XXXX to stop payment. 

I do not have any banking/financial relationship with Fifth Third. Fifth Third moved into the area and took over the XXXX XXXXXXXX XXXX back in XXXX or XXXX. I did bank with XXXX XXXX and closed my checking and savings shortly after Firth Third took over and began offering a different type of customer service. 

I clicked on the link but stopped the spin/search it was doing. Blocked the number and came to this site. I then sent a text to XXXX with a screen shot of the Fifth Third communication. My service provided received the text and they'll take it from there. 

I received a text last week from Fifth Third on XX/XX/XXXX they were cancelling or stopping the debit card ; I deleted the text and blocked the number because it was weird considering I do not have a debit card or any card with Fifth Third and shouldn't receive a text from them at all. I mentioned to the teller at my credit union how odd I thought the text was. ( I happened to be at the credit union when the text came through ). Thank you for your attention and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: MD

Complaint narrative:
After providing a mountain of documentation verifying both my income and that of my company the lender requested I commit mortgage fraud, see below. I explained our year ends XX/XX/XXXX and we have been working on getting XXXX finalized. Now I am to settle on XX/XX/XXXX- they want me state profitability and certify it with my signature, that is not possible until XXXX  adjustments are made. this loan has been in the works for 2 months and at the last minute they are telling me to commit fraud if I want the loan. 




From the lender : Good afternoon XXXX, So, in order to close on time, we will need a year to date XXXX XXXX XXXX from XXXX to now. This does not have to be a XXXX  certified document. A simple XXXX spreadsheet will do. In the past, we have had companies less involved than yours put it on a napkin before and signed and dated it and that worked fine. Not saying you have to do that but just making it clear that it doesnt have to be a CPA certified document. 

Just needs to show accurate profits and losses this year and needs to be signed and dated by you so underwriting can calculate it and give us the all clear. We will need this as soon as possible so we dont have to push back closing. 

As always, we are on your side and want to keep the process smooth. Let me or XXXX know if you have any questions! 



XXXX XXXX XXXX # XXXX Loan Consultant ( XXXX ) XXXX office ( XXXX ) XXXX cell ( XXXX ) XXXX fax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, West Virginia XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: AR Resources, Inc.
State: GA

Complaint narrative:
I have on several different occasion to include more that 60 days attempted to have the three items in collections removed from my XXXX and XXXX credit files. I have also contacted the companies that entered the collections. I have asked for original signatures on any loans. I have asked for original HIPPA forms with original signature on any medical collection. I have also submitted credit file disputes with the reporting agency. Please remove this unauthorized negative information ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: CA

Complaint narrative:
In Accordance to the fair credit reporting act XXXX XXXX Account # XXXX violated my rights 15 usc 1681 section 602 A. I have a right to privacy 15 usc 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction and i am here to tell you that i never gave anyone permission to furnish anything on my report

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 2022-02-24 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: CA

Complaint narrative:
In Accordance to the fair credit reporting act XXXX XXXX Account # XXXX violated my rights 15 usc 1681 section 602 A. I have a right to privacy 15 usc 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction and i am here to tell you that i never gave anyone permission to furnish anything on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The account in question is a Macy 's XXXX account ending in XXXX with Citibank. 

This account that seems to be in your office now was previously settled. 
We reached an agreement with Citibank in XXXX of 2018. The letter states that there would be monthly payments of {$740.00} beginning on XX/XX/2018 with a final payment of {$740.00} due XX/XX/18. This is a total of 10 payments, equaling {$7400.00}. 

According to our records, all payments were sent and cleared.. I've attached the screenshot of our system and the proof of payments with check copies as well as the original settlement letter that came in XXXX. 

We believe this is an error by Citibank as this account has been paid. Otherwise, the funds sent over must be returned to us immediately as they would not have been applied to the settlement as they were supposed to. All checks had the client 's name and the last 4 of the account number the funds were supposed to be applied to.

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 2022-02-24 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: PA

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX-Date of Inquiry XX/XX/2020

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 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Kikoff Inc.
State: KY

Complaint narrative:
I downloaded the kikoff app and signed up for their service to be rejected which is fine but now I am " signed up '' with the service and have no way of contacting the staff to cancel. Neither the website nor the app have a link for help or contact, only FAQs which attempt to divert the customer 's attention. I believe this is intentional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: AR

Complaint narrative:
I went to make a withdrawal from US bank and the teller stated to me that my account is on hold, I asked why she said she didnt know and that the system doesnt give a reason so I tried another US bank and he said my account is in the mist of being closed and he dont know why. Ive called customer service several time and the reps said the system doesnt give them a reason to why my account is on hold. The bank has a hold on my money that I put in the bank. I never get any loans or any other financial funds for my money. This is my money that I made and they have no right to hold my money because it doesnt belong to them. I cant pay my bills at this moment because of this XXXX. I am very angry and if it comes down to it, I will have a lawyer involved to take US bank to court about damage they have caused me.

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 2022-02-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Tesla, Inc.
State: FL

Complaint narrative:
We purchased a car from Tesla and went to their dealership to order the vehicle. The sales rep took us on their website. We calculated the payment to $ XXXXmonth with {$22000.00} down. Their website stated that the payment includes Includes Destination & doc. A fee of {$1200.00}. Once we ordered the car, paid them {$250.00} as a deposit, and the documents were sent to us days later within their portal, the car payment jumped to $ XXXX/month ( $ XXXXmonth increase ). When we confronted them on the discrepancy, they told us that the website was false and, in their own words, " we are not a big fan of our payment calculator on our website. '' When I confronted them that this is a bait and switch, they retracted their statement and started to justify the mistake by stating their website doesn't include ANYTHING in their payment, no interest, no fees, no taxes, etc. How is one supposed to know what the total payment is if the interest on the car is not added when they're presenting the payment and selling the vehicles to their consumers? And there are other hidden fees on top of the {$1200.00} they have shown? This is a 31 % increase in payment from what was told to us at the time of the sale!

Financing a car or a mortgage is no different. If a mortgage company were showing payments on their website that didn't include the APR, Fees, and Taxes, they would be shut down by the CFPB and FTC for false advertising. Still, a car company like Tesla can advertise payments to people and switch on them without any recourse??? This is a double standard in the finance industry and unjustified! 

After canceling the order, they removed the contract on their website which you couldn't even download!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have multiple accounts open with Peoples ' United Bank. I act as a fiduciary ( Conservator, Trustee, etc. ) for many people. I am an attorney. I also have both business and checking accounts open at the same bank. For some reason, the bank keeps linking my personal information to my fiduciary accounts, rather than my business information. Statements show my home address rather than my business address. I ask the bank to call me about something ; they call my home number rather than my office number. They send emails to my personal, unsecure email rather than using my more secure business email. I have gone in person to meet with a Vice President at a branch about this on more than one occasion. In XX/XX/2020, I went to the bank with a printout of all of my open accounts and asked them to correct the contact information. Today, I noticed an incorrect transaction on a Conservator checking account. I called the bank ; they asked me to verify the information on the account. It turns out that they still have all of my personal information on the account. I asked to file a claim about the incorrect transaction ; it will show my personal information, rather than my business information. Moreover, the Social Security Administration noticed this issue last year and asked the bank to correct my accounts. 
The bank refuses to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: PA

Complaint narrative:
These inquiries are fraud and need to be removed immediately. I am a victim of identity theft and these need to be removed asap. I also filed a an FTC AFFADAVIT which I've included. Please remove these inquiries as they are now causing me substantial harm inconvenience as a consumer.

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 2022-02-24 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: PA

Complaint narrative:
These inquiries are fraud and need to be removed immediately. I am a victim of identity theft and these need to be removed asap. I also filed a an FTC AFFADAVIT which I've included. Please remove these inquiries as they are now causing me substantial harm inconvenience as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I am refinancing my house with Freedom Mortgage and apparently, I took too long to send the information they need. The first inquiry was made on XX/XX/XXXX which I did authorize but later talking with the loaner agent he mentioned that needs to run my credit score again, I said DONT DO IT, next day I got a notification from XXXX XXXXXXXX about that inquiry. I have screenshots that can submit. The inquiry I don't authorize was made on XX/XX/XXXX. Freedom Mortgage record all their calls so you can ask them for the call on XX/XX/XXXX with XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp
State: OH

Complaint narrative:
In XXXX of 2021 I refinanced my VA loan, and Union Home Mortgage became the servicer. In XXXX of 2021 they remitted a payment for my property insurance from the Escrow account for {$2100.00}. In XXXX of 2021 they again remitted a payment for my property insurance for {$2200.00}. 

In XXXX of 2021 I was notified of an Escrow analysis that expected me to pay {$3500.00} up front or an increased monthly payment my {$400.00} due to an Escrow deficit. 

The only deficit is from Union Home Mortgage negligently mishandling my Escrow account, and now they expect me to pay a higher monthly payment as a result. I have put back the refund provided to me by my insurance company for the additional payment, but Union Home Mortgage still expects me to pay the errantly higher payment until they can do another Escrow review. This is an unsavory business practice where I pay for their incompetence.

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 2022-02-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2022 I received an email from a credit reporting agency stating new activity is showing on my profile. 

Upon checking I see a notification stating Capitol One had closed my line of credit. 

I contacted Capitol One to see why this could be. 

The Capitol One representative shared that the account was closed due to excessive return payments. 

I have an idea what excessive return payments could be but considering I never set up any auto pay with Capitol one or linked any bank Im not sure how Capitol one could be pulling funds of mine from anywhere. 

The representative stated excessive return payments are payments that have not successfully gone through. Payments that were not successfully completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
My Car was in an accident that resulted in XXXX insurance totalling the car XXXX paid Santander at XXXX XXXX XXXX in the amount XXXX Santander is still reporting this account as a balance owed and the car is out for repossesion that car was totalled and returned via my insurance company. please see attached email and receipt showing payment

Company response to consumer: Closed with explanation