vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
The company used my credit card to finance several loans, after receiving a cash deposit made by me. After a few months of being in possession of my new credit card the company began to harass and threaten my place of employment due to an unsuccessful/incomplete application. The error was caused by the negligence of the employees representing the company, yet they blamed me as well as failed to communicate the issues with me in a timely and respectable manner. The company is trying to assume the position and steal my identity. The company has willfully ignored my demands for settlements, refused to surrender my property as agreed. They have refused to return the full amount of the cash deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
received a letter in the mail from XXXX debt collection company saying I owe PayPal XXXX I don't have a paypal account i never created one a few months ago i had an identity theft case started my mother and sister stole my information and got stuff in my name i currently have a lawyer helping me with this but i would like to know what is this for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Company has misused their role to involve bank account from another account info which is violating rights to card policy agreements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXX : XXXX XXXX XXXX XXXX. This inquiry was not authorized XX/XX/XXXX : XXXX XXXX : This inquiry was not authorized XX/XX/XXXX : XXXX XXXX : Unauthorized inquiry. No car purchased. 
XX/XX/XXXX : XXXX XXXX XXXX : Unauthorized inquiry. 
XX/XX/XXXX : XXXX XXXX XXXX : Unauthorized inquiry. No car purchased. 
XX/XX/XXXX : XXXX XXXX XXXX. Unauthorized inquiry. No car purchased. 
XX/XX/XXXX : XXXX XXXX. Unauthorized inquiry. No car purchased. 
XX/XX/XXXX : XXXX XXXX XXXXXXXX XXXX : Unauthorized inquiry. No car purchased. 
XX/XX/XXXX : XXXX XXXX  XXXX. Unauthorized inquiry. No car purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
I did not choose Freedom Mortgage. Rather, my VA home loan was acquired by Freedom several years ago. I refinanced, staying with Freedom, in XX/XX/XXXX. The monthly payment amount quoted in the refinance was great, so I went forward with it - saving ~ $ XXXXmonth. The company has missed paying some of my taxes every single quarter for the last year. I get delinquent notices, call, submit documentation, repeat. They held my old mortgage, it should be the same with slight adjustments each year for tax increases. 

It's now a year later and it's clear that most of the calculations used to come up with that monthly payment from the refi were incorrect. Taxes on one of the lots on the mortgage were ignored entirely in the calculation, and I guess on the other lot two numbers were flipped - using {$1300.00} per quarter where it should have been {$1800.00}. I got a letter dated XX/XX/XXXX telling me I owe {$480.00} more per month. Then, only 11 days later - XX/XX/XXXX - I got another one tacking on {$130.00} more. So a surprise 46 % increase every month for the next year due to negligence or deception. Now my monthly bill is higher than before the refinance. 

I know this is a temporary increase for the next year, but it is substantial. Also, I have low confidence in their administration of escrow accounts and no recourse if they continue to make mistakes. How was this never caught and the escrow allowed to go negative? How did none of my calls, every quarter, about unpaid taxes trigger someone to reevaluate before it got so far behind? Also, consider that I made it clear to Freedom that I was shopping around for my refinance. With that in mind I have no way to know if the numbers were misrepresented intentionally to make their refinance more lucrative next to any competitors or if it was just negligence. Regardless, it seems like the consumer is at the mercy of the mortgage company and whatever numbers they decide to put on the statement each month, and in the case of this mortgage company those numbers have been consistently incorrect for an entire year. The only thing I can do is pay whatever they say I owe or pay thousands to switch lenders, likely ending up with a higher rate and no guarantee my mortgage won't just be sold back to this company again.

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 2021-09-18 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I have a account in Coinbase. 
Since 2 months ago the reason under account review I can not move my cryptocurrency. Tons of time I complained to coinbase but they saying nothing to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My privacy rights have been violated by the sharing of my personal information.

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 2021-09-18 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: MD

Complaint narrative:
1. Identity theft began in mid XXXX with diversion of mail to a fraudulent address through Change-of-Address order to USPS. All my accounts were changed to that address. 
2. Notified all credit bureaus and requested credit freezes online ; Experian website said to call immediately for suspected identity theft.

3. They are UNREACHABLE by phone; attempted several numbers many times. ( The other 2 bureaus were easily reached ).

4. Have twice filed reports online disputing the fraudulent address with no clear response. 
5. On XX/XX/21, sent registered letter to Experian ( attached ) which they signed for. 
6. The only response received was an email communication dated XX/XX/21 stating they were unable to honor my request ( report # did not match that on my letter ). 
7. On XX/XX/21 they posted a {$26.00} charge to my credit card for a credit report ; I never asked for this and never provided my credit card to them for such a purpose. I received a copy of my credit report through the FTC site where I reported the identity theft. The charge is being disputed with my bank. 
8. I am aware that Experian has disseminated the fraudulent information to at least one other agency ( XXXX XXXX ) without any attempt at verification of the change. They offer protection plans to consumers for a fee but they are part of the problem.

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 2021-09-18 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: FL

Complaint narrative:
My privacy rights have been violated by the sharing of my personal information.

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 2021-09-18 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: FL

Complaint narrative:
My privacy rights have been violated by the sharing of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SandP Solutions, Inc.
State: VA

Complaint narrative:
I am filing a complaint with Bitcoin of America I was scammed out of {$5800.00} XX/XX/2021 I received a phone call saying that they were the US government or US Marshal that they had all of my information they were linking up with the XXXX  XXXX Police Department which already had my case they told me that my social security number was compromised and I was going to be arrested or had a warrant out for my arrest they told me I needed to verify my asset immediately and that they would give me a new social security number and transfer all of my assets to a new Social Security wallet which they then sent a text message with a q r code they had me go and withdraw {$5800.00} ( XXXX $ kept getting rejected ) so they let me keep it : ( from my bank and take it to bitcoin of America ATM ( which they said was a assets verification machine ) in the form of cash that they had me remove from my back leaving XXXX $ in each of my checking accounts to keep them open ) they had me stay on the phone with him the whole time ( 3 hour process ) had me the create an account was created with all of my information they had me scan the fake Social Security wallet which was really a Bitcoin of America wallet underneath the QR code scanner on the Bitcoin ofamerica ATM machine as soon as I did. They had me go back out to my car and send them a picture of the receipt with Bitcoin of America to the same text number... .. they then continue to tell me that two XXXX  XXXX police officers would be at my house and scan the new q r code- and all of the funds that I entered into that Bitcoin ( ADR ) machine would go back into my XXXX XXXX XXXX account XXXX I have tried to reach my bank but because I pulled the cash out myself, ( via threat ) they're unwilling to help me I have not heard anything back from Bitcoin of America I have filed reports with the police department the Federal Trade Commission for economic crimes unit FBI and numerous other sites like XXXX XXXX ... .without any help tracking down the scammer or returning the funds .... I cant be the only one they did this too. They were very malacious and scammed all the money I had to my name i have XXXX XXXX year old and am being told to leave my home by the end of the month can someone please support my case it cant just be a lost cause! : ( when i went to sign back in to bitcoinofamerica.com it says my phone or account does not exist!

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 2021-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had an authorized charge on my XXXX account. I contacted XXXX and told them about the fraud. They told me to contact my financial institution, Bank of America. I opened up a claim with Bank of America for two fraudulent charges for {$39.00} and {$21.00}. Bank of America refunded me one transaction and did not refund me the {$21.00} because they did not find any fraud. I tried to reopen my claim and they said I was out of the two week time frame to reopen the claim. I requested to reopen the claim and they have not let me. I called XXXX again and they said they found my order through the order number. They saw another customer purchased the item and that is why it does not appear in my XXXX orders yet they charged my bank account. XXXX said they would contact someone else who would call me within 24 hours. They never did. After a week, I sent several reports to XXXX security who kept immediately sending me emails within a minute of their investigation saying they found no unauthorized charges on my account. 
XXXX and Bank of America have failed to do their job and I had to pay for the unauthorized activity.

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 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
In 2006 I had an FHA mortgage from Chase Home loans. My wife passed away and the day of her funeral the house was robbed. I filed a claim with my home owners insurance, but never received the check. While searching online I found that i had unclaimed funds from that robbery. The check is listed in both my name and the mortgage company. I contacted them several times over the past 6 months and finally received a form letter from them stating that they could not release the funds due to the foreclosure. i am attaching a copy of the unsigned form letter received from them. They never stated that I owed them money only that it was a foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Services of Iowa Inc.
State: GA

Complaint narrative:
XX/XX/2018 Account type Collection Original balance {$920.00} This Medical Account was sent into Collections and I have no knowledge of this 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 2021-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
American Express advertised a welcome promotion on its XXXX XXXX XXXX American Express Card. Under this promotion, American Express will award a new cardholder XXXX XXXX XXXX points after spending {$2000.00} in purchases on your new Card in your first 3 months. 

I applied for a XXXX XXXX XXXX American Express card and was approved in XX/XX/2021. On XXXX XX/XX/2021, I reached the required {$2000.00} spending criteria for XXXX XXXX XXXX points to be awarded. However, two months later, as of XXXX XX/XX/2021, I have not received these points. 

Upon following up with American Express on multiple occasions in the past two weeks, the company not been able to resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
applied for a refi with Chase Mortgage in XXXX. After submitting documents numerous times and completing all tasks required ... .still not closed after 5 months. We feel we have been singled out for some reason. We presently have a Chase mortgage, never missed a payment and have good credit. No reason was given for delay. 
Charged us {$500.00} for application and then said loan process took too long and our application was rejected. To date have not refunded our {$500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one is unfairly charging interests even if the bill is paid in full. No other credit card companies pull this type of scam on consumers. Capital one needs to be investigated by the government for these unfair interest charge scams.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have inquiries that are the result of fraudulent activity, they have not been authorized. My information was also compromised in the XXXX Data Breach.

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 2021-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX  XXXX  XXXX  and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have inquiries that are the result of fraudulent activity, they have not been authorized. My information was also compromised in the Equifax Data  Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Acceptance, LLC
State: NJ

Complaint narrative:
On XX/XX/2021 XXXX XXXX/ AMERICAN CREDIT ACCEPTANCE Has reported I owe {$5100.00} which is not true Ive tried to reach out to this financial company about this matter many times over the years because of the fraudulent of this dealership they let any person buy a car in anybodys name the owner threatened me and told me he did not care who maybe bought this car, and that he was an Attorney and would see me in court he said all he wanted was his owed money now this has resulted in collections because the owner was rude to me and would not listen he never sold me this car and didnt want to hear about the misunderstanding So I would like to make a complaint against this company about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
On XX/XX/XXXX I, XXXX XXXX XXXX, was sent a notice from Enterprise billing and debt collection department and emailed twice by XXXX XXXX while I was dealing with my children who were sick at the time. I was referred to make payment at XXXX XXXX The amount of loss {$1000.00}. 15 U.SCode 1691 ( f ). This company is also in violation of 15 U.S.Code 1692 ( b ) ( 1 ) ( 2 ) ( 5 ) .15 U.S. Code 1692 ( d ) Enterprise also violated my rights to financial privacy ; sold debt to a collection agency TSI whove I have never consented to the right to share my personal information with this company. This activity is illegal and against the law made by congress. Those who violate must pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: Penn Credit Corporation
State: FL

Complaint narrative:
A validation letter was sent within the first 30 days of contact- they did not send proper validation

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