vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I was charged {$20.00} by " XXXX XXXX '' through XXXX XXXX without written autorization and want a refund ... .ttried advised number of XXXX XXXX XXXX XXXX XXXX threy are unable or do not want to pick up phone or respond to a message ... can you help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-07 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: Nelnet, Inc.
State: OH

Complaint narrative:
There is a student loan on my credit report that does not belong to me. The loan was taken out in my name on XX/XX/2019, U.S. Department of Ed/XXXX for a total of XXXX in a school in XXXX Wisconsin. In a state I have never lived in or gone to school in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
When I attempted to log in to my Coinbase account on XX/XX/2021 at XXXXXXXX XXXX  EST, I received a XXXX message through XXXX on my phone. I received this message and input the code. I was then taken to a " New Device Confirmation '' page. This was not unusual, since I had been directed to this page before, even while signing in on a recognized device. I checked my email, and at XXXX, I had received an email response for New Device Confirmation. 
I followed the instructions in this email. but when I input the link in the Confirmation page on Coinbase, I was redirected to a page saying that my XXXX settings had been changed. I did not authorize this change. I then received an email at XXXX confirming that these settings had been changed. 
I logged in to my Coinbase account using my normal account name and password, and again was able to receive the XXXX XXXX  message on my phone. However, when I accessed the account, I noticed that my prior account balance of {$1900.00} had dropped to {$0.00}. I then received notice from my email that two separate transactions had been made : one at XXXX for a transfer of XXXX XXXX ( {$1900.00} USD ) to the wallet address XXXX, and another at XXXX for XXXX BTC ( {$6.00} USD ) to the wallet address XXXX. Neither of these transactions were initiated or authorized by me, and neither of these addresses are addresses I recognize or own. My account was compromised, despite me taking all precautions with XXXX, and I have lost all of the money that was stored in my account. 
Every email I received was from a legitimate Coinbase email address, and all procedures I performed were on the Coinbase website. What I want to know is this : how and when will I be refunded for the {$1900.00} that was taken from my account? Please get this corrected ASAP or I will be contacting the Consumer Financial Protection Bureau to lodge a formal complaint against Coinbase for this unauthorized transfer of my account funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

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 2021-07-07 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: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
On XX/XX/2021, DEBT RECOVERY SOLUTIONS added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold, and I am not responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, DEBT RECOVERY SOLUTIONS has violated my rights as a consumer, and I am requesting legal actions to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: IL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XXXX XXXX I unexpectedly received a statement from my Home Depot credit card with a balance of {$100.00} with a past due amount of XXXX. I immediately contacted customer service to inquire why there was a balance as I had paid my balance in full in XX/XX/XXXX. The rep told me that the balance was late charges for XXXX, XXXX, and XXXX because my payment in XXXX was not posted until XX/XX/XXXX, two days past the due date. I asked why I was never contacted and the rep informed me that my account was set to do not call in XX/XX/XXXX, but could not explain who or why it was that way. During the call I reviewed my bank account and confirmed that the payment was delivered on XX/XX/XXXX. My bank debits my account once the payment is processed by the payee. The rep told me I could only mail in proof of the payment there was no other way to provide evidence, and I would continue to accrue late charges until the letter was reviewed. I asked to speak to a manager and was transferred over and over until finally the call was disconnected. The company never attempted to call me back to resolve the issue. 
I don't believe it is ethical to allow my account to accrue late charges and not contact me, or allow me to provide proof of payment by reasonable means when everyone operates in an electronic world these days. I am a senior living on fixed income and can't afford to pay {$100.00} of fees when the payment was received by the due date of XX/XX/XXXX. I feel this is unfair and an attempt to earn fee income.

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 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There is a student loan on my credit report that does not belong to me. The loan was taken out in my name on XX/XX/2019, U.S. Department of Ed/XXXX for a total of XXXX in a school in XXXX Wisconsin. In a state I have never lived in or gone to school in.

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 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
They continuously harass me via letters and phone calls. I had disputed the debt they claim I owed. They never responded within 30 days so therefore it was removed from my credit report 30 days after the 30 days so 60 days until they responded. XXXX  has removed this account from my credit report but XXXX  and XXXX  refuse knowing that they missed the deadline of 30 days to respond I had told XXXX  and XXXX  to remove it because that is the law but they refused. I have done everything in my power remove and dispute but I am being unfairly treated they are slandering my credit and my name not to mention harassing me through the mail and via phone. The claimed debt is well over 6 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Synovus Bank
State: GA

Complaint narrative:
In XXXX of 2021, I received a direct mailer from Synovus bank advertising a promotion for a new checking account. Synovus opened a branch within a mile from my house and the promotion was decent, so I decide to take advantage and open an account with Synovus.

The new account promotion read as follows : Open a Synovus Consumer checking account with a minimum of a {$100.00} between XX/XX/2021 and XX/XX/2021. Earn {$200.00} after completing 15 debit card purchase within 60 days of account opening. Earn {$200.00} for having qualifying direct deposit of {$500.00}. Earn {$50.00} for completing both requirements. 

If all activities were completed, I would be entitled to a new account bonus of {$450.00}. 

I completed all of the activities in XXXX and XXXX and patiently awaited by new account bonus of {$450.00}. 

However, on XX/XX/2021, a bonus of {$200.00} was deposited to my account. As this was {$250.00} less than I expected, I contacted Synovus to find out why I had not been given the full {$450.00}. The representative I spoke with agreed that I had completed both activities and that it seemed I should have been awarded the {$450.00} bonus as advertised. However, the Synovus representative did not immediately have an answer as to why I had not received the full bonus so she sent my case off for further review. She promised to call me back within 2 or 3 days with a resolution.

After waiting a week for a call back from Synovus, I again called to check on the status of my case. At this point, I was told that XXXX ( account to account ) transactions did not qualify. I explained that I understood that any account to account transfers would not qualify but that I had made at least 19 non XXXX debit card transaction during the 60 day window. The representative just kept repeating that XXXX transactions did not count and referred me to my local branch. I again explained that if they checked my account, they would see 19 debit card transactions that were not account to account transfers but the representative did not seem interested in what I had to say. As suggested, I tried to call my local branch for help. However, I was put on hold and waited for over 30 minutes. After waiting what I felt was a reasonable period of time, I gave up and decided to go directly to the CFPB for help.

In summary, Synovus mailed me a promotion for a new checking account. I acted on that promotion and followed their rules to the letter. However, Synovus is not honoring the promotion and has failed to award me the other {$250.00} I earned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-07 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: Nelnet, Inc.
State: FL

Complaint narrative:
Refinanced loan with XXXX prior to loan being transferred from XXXX XXXX to XXXX. Have copy of the cashed check which was paid directly to XXXX. XXXX customer service has been terrible to deal with. They are simply a disorganized mess. Have communicated with CS via phone and email for 4 months. Sent copies of cashed checks. They report no issue yet they reported a new load AND delinquency to my credit report. Their response was " just wit a few months '' and then if nothing happens to dispute the report .... WHAT!!!!!! It is their responsibility to correct their error - not just blow off the issue. My report took an 80 point hit. There should be laws against this sort of behavior with no repercussions. We wanted nothing to do with this institution, it was forced upon us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
On XXXX XX/XX/2021, I pulled my credit report from XXXX  after noticing my credit score had decreased significantly and noticed that the Credit Control Corporation had filed negative information about an outstanding debt on my credit report. Prior to pulling my credit report, no attempts were made by the Credit Control Corporation to contact me to notify me of the outstanding debt or to collect against the outstanding debt. When I contacted the Credit Control Corporation about the debt, they had an incorrect address on file that I've never lived at and was in fact the address of the original biller. After speaking with the Credit Control Corporation on XXXX XX/XX/2021 to ask for details of the outstanding debt ( I didn't recognize the original biller ), I contacted the original biller who is going to pull the file back from Credit Control Corporation as the original biller never filed the information against my insurance even though they had my insurance information on file.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: MO

Complaint narrative:
I am a current victim of identity theft, XXXX, Equifax, and XXXX  continue to report fraudulent activity on my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX ( {$2600.00} ), XXXX XXXX ( {$6800.00} ), XXXX XXXX XXXX XXXX ( {$2400.00} ). FTC has been filed in XXXX of 2021, they did not comply within the 5-7 business days according to federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
Ive been trying to contact this company for over a year and no one ever answers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: TX

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Ive been trying to contact this company for over a year and no one ever answers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: WA

Complaint narrative:
on XXXX XXXX i started a transaction with xoom.com ( XXXX ) on this day they withdrew {$20000.00} from my acount. As of today the transaction is in pending state and after 4 calls and 3 email conversations with them, nothing has changed. This transaction was supposed to be completed on the XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CT

Complaint narrative:
XXXX < -- This claim is not resolved. 
After being told if I refinanced my loan I would have PMI removed. Rocket suggested an appraiser that I used.

The appraiser appraised my property @ {$12000.00} ( 6 acres in CT ). After I discovered the error, Rocket suggested I pay for another appraisal. My annual property tax on the land alone is over 10X the value that was appraised ( $ XXXX attached ). Quicken told me to wait until XXXX XXXX was assigned to have it changed. 
After closing Quicken told me that it should have been changed before closing. QuickenRocket refuses to correct the problem.

I have a long email correspondence that I can forward that contains communication about the points listed above ( email thread uploaded with tax assessment value of local municipality & appraisal. After closing a % of PMI was added back on and the land value was never considered for 5 more years. 
The online ( XXXX etc. ) note the value of the property much higher than the appraisal that doesn't reflect the $ XXXX in remodeling I have had completed but still exceeds the 80 % needed for PMI removal. 
I have made 6 months of payments with PMI attached that would cover the cost of the appraiser.

Rocket originally told me there would be no PMI due to the value of the home but changed it at the last minute before closing. 
The home value has also increased since closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

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 2021-07-07 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:
Refinanced loan with XXXX prior to loan being transferred from XXXX XXXX to XXXX. Have copy of the cashed check which was paid directly to XXXX. XXXX customer service has been terrible to deal with. They are simply a disorganized mess. Have communicated with CS via phone and email for 4 months. Sent copies of cashed checks. They report no issue yet they reported a new load AND delinquency to my credit report. Their response was " just wit a few months '' and then if nothing happens to dispute the report .... WHAT!!!!!! It is their responsibility to correct their error - not just blow off the issue. My report took an 80 point hit. There should be laws against this sort of behavior with no repercussions. We wanted nothing to do with this institution, it was forced upon us.

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 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Account Name : JPMCB CARD Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$9700.00} Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: VA

Complaint narrative:
On XX/XX/2020 I received an inquiry on my Equifax credit report that XXXX XXXX XXXX was pulling my credit report for a loan that was applied for with my personal information. This was an attempt of fraud and identity theft. The company is XXXX XXXX XXXXXXXX. I have disputed this with XXXX XXXX and XXXX XXXX. I have an affidavit where someone attempted to apply for a loan in my name and personal information. I also have a signed police report form. 

Equifax is refusing to remove this HARD INQUIRY from my report after I have submitted all of the documentation showing it was fraudulent activity. My credit report is on a freeze to help prevent any one else from stealing my personal information. 

Please help me remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I submitted numerous disputes over the period of more than 180 days concerning inaccurate information on my credit reports. I never received notification from the credit bureaus that my disputes were even looked at.

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