vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-15 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: NY

Complaint narrative:
There was a fraudulent account from XXXX XXXX listed on my credit reports from XXXX, XXXX and Equifax. The account was an installment loan. I did not obtain or authorize any such loan. I disputed the information with the credit reporting agencies and further filed an identity theft report with the FTC. The credit reporting agencies presumably conducted an investigation into the account, but the results of the investigation did not modify the fraudulent and incorrect information listed in my credit reports. I have made multiple attempts to contact XXXX XXXX. In my email communications with them, a customer service representative directs me to call a hotline and can not help me via email. However, the " dedicated '' hotline has a wait time of 300 minutes ( 5 hours ). It seems to me that XXXX does not want to solve the problem. It also appears to me that the credit reporting agencies did not actually conduct an investigation and did not provide any useful information on the fraudulent account beyond a generic status update. Since this fraudulent account is now flagged as overdue, my credit score has dropped over 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
someone opened an checking account at TD BANK in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I swapped phones over the weekend and lost access to my 2 factor authentication for coinbase. I have been locked out of my account and can not withdrawal or trade. It has been 48 hours that they have been holding me hostage and they have let me know it could last another 48 hours, costing me valuable time and money. There is no customer support or reason for this delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I ordered a Vanilla VISA Gift card to the value of {$100.00} ( {$3.00} purchase fee ) on XX/XX/2021 which was sent to the recipient by email. 

On XX/XX/XXXX the recipient tried to use the card for a purchase and it did not work. He contacted Vanilla Customer Service and he was told that the purchaser had to contact them directly to check the status and issue on his behalf. 

On XX/XX/XXXX I called Vanilla Customer Service, who could not resolve from their end. The directions given were : If the link is not working, clear your browser history and make sure your device is not connected to any VPN connections. The link should contain all the details he needs to enter for a transaction. If he does this and it still doesnt work, he should be able to call customer service ( ask for XXXX he is the supervisor I spoke to ) and indicate that he has tried the link under the above conditions but it still doesnt work. 

On XX/XX/XXXX the recipient tried the directions provided and it still did not work. He also tried a different device and browser. So he contacted Vanilla Customer Service again and they couldn't resolve the issue. After spending an additional half an hour on the call with them they were are not able to resolve the problem. In the end, he was told to come back to the purchaser whom he was told was only party that is eligible to work on the order. 

On XX/XX/XXXX I called Vanilla Customer Service for the second time- they could not resolve the issue, so I asked them to cancel the card and refund the purchase amount. They provided me the Reimbursement/cancellation order # and said someone from that team would get back to me within 2 working days. 

On XXXX XXXX, I still had had no contact from Vanilla Customer Service, so I called them. I went through the first line who told me that the cancellation reimbursement had not been approved and that the card was active.I went to their second-line supervisor, who told me the same. I have asked them to escalate it again, as it's clear that they sold something that did not work and that their customer service was not equipped to resolve the issue. I do not want to have to go through their call center again. 

The customer support there is clearly unempowered and can not resolve issues. It's been a frustrating process for both the recipient and for me to have to call a disempowered service center on multiple occasions who are unable to resolve issues, the end result still being a gift card the recipient can not make a purchase with. 

I have since looked at review sites and I'm clearly not alone in the issues being experienced : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I opted for the Forbearance due to Covid-19 back on XX/XX/XXXX and was approved. I didnt realize that the past due amount would all be due all at once until I attempted to pay the regular mortgage payment in XX/XX/XXXX. They told me they would not take the monthly payment only the past 3 months. I couldnt pay not amount and was offered to to a modification. Ive completed the modifications process 3 times and they wait for about three months and say they didnt receive documents. Receipt of the documents was confirmed by the person assigned to my account. She claims that her email wasnt working. I then asked her for the process to file a complaint. No response. We dont know what else to do because its been a year and of course they dont take payments so now the past due amount is beyond our financial means. 

We just wanted a chance and they kept prolonging the process until it was too late then say it wasnt approved because they didnt receive the required documents. I have emails to support every time I sent documents they requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: FL

Complaint narrative:
I m a victim of fraud there are multi fraudulent that as been open under my name I believe someone out there still have my information in keep using it XXXX {$530.00} XXXX/XXXX/XXXX creditor no action XXXX XXXX XXXX XXXX {$3100.00} creditor no action XXXX {$1100.00} XX/XX/XXXX creditor no action XXXX XXXX {$500.00} XXXXcreditor no action XXXX XXXX XXXX XX/XX/XXXX {$530.00} XXXX XXXX XXXX XX/XX/XXXX {$530.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: U.S. BANCORP
State: WA

Complaint narrative:
Hi there, We leased a XXXX XXXXs from the XXXX XXXX in XX/XX/XXXX, which was financed by US Bank. The Lease ended XX/XX/XXXX, in which we returned the vehicle. We have never had a late payment. Returning the vehicle was a nightmare in it's own right, with the US Bank Lease department calling multiple times with threats stating that we never returned the car, eventually confirming that it was returned. We called multiple times in XX/XX/XXXX asking for confirmation that the account was closed and everything was in good standing. 

Fast forward 1 year. It's now been a year and US Bank is calling stating we owe {$600.00} for end of lease fees, and that they have been sending us notifications for the last year, which they haven't. When attempting to access our US Bank account, the account online has been closed and we have no access to the account or any of the statements in question. They are also unwilling to provide us with any of the 'statements ' they state they have been sending us monthly for the last year. Additionally, upon review of both my XXXX account and XXXX, the US Bank account is listed as closed as of XX/XX/XXXX, with a XXXX balance and all payments made in full. However, US Bank is still calling stating that we owe this money threatening to send us to collection.

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 2021-11-15 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: AZ

Complaint narrative:
The Consumer Financial Protection Bureau has jurisdiction over this matter because my claim pertains to a digital currency provider who has denied me access to my own funds. On or around XX/XX/XXXX I opened an account with XXXX to conduct lawful personal investment activities. On or around XX/XX/XXXX, my belongings and phone were stolen as evidenced by the police report. Due to the identity theft I have been unable to access my Coinbase account because my login access and passwords were associated with and stored on my phone that was stolen. I contacted coinbase by submitting an inquiry online, on or around XX/XX/XXXX, and to date, 90 days later they have still failed and refused to respond to my legitimate request. Coinbase is harming me by profiting off of the deprivation of access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I XXXX XXXXXXXX natural person and consumer pursuant 15 USC 3002 , is aware that TRANSUNION, XXXX, and XXXX are violating my federal consumer rights. The FCRA requires any prospective user of a consumer report, for example, a lender, insurer, landlord, or employer, among others, to have a legally permissible purpose to obtain a report. The FCRA allows a consumer reporting agency to furnish a consumer report for purposes In accordance with the written instructions of the consumer. I have not given my written instruction to report the following accounts XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX account number XXXX. These accounts have been sold to a third party debt collector. This information has been furnished without my knowledge, permission or consent. Pursuant 15USC 1681 a ( 2 ) a ( iii ) I have the right to be given a chance to direct the information about a transaction I had to be reported or not XXXX XXXX XXXX. Any transaction authorized by my social security number the real credit card defined under TILA pursuant 15USC1681a ( 2 ) b and must be excluded from you consumer report. Pursuant Regulation V a furnisher must conduct a reasonable investigation of a direct dispute if it relates to any other information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Investigated report must have sources of interviews of family and friends pursuant 15 USC 1681a ( e ).

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 2021-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: MO

Complaint narrative:
I lost credit card reported lost and charges were made. I never used credit card for unauthorized charges nor did I give anyone else permission. I am not responsible for charges I did not commit. I am covered under the fair protection act and discover card did a investigation telling me I owe the XXXX  One charge was my dentist which I admitted too and was mine. Now I dont know if a friend or family member used my card then put it back, but if that occurred I am still not responsible for unauthorized charges on my account. My issue is clear I want to close my account and resolve the fraud, Discover is not cooperating or following the fair credit reporting act. I contacted merchants myself to alert them to fraud gave them my name and number to contact me if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I was looking to buy 2 tickets for the XXXX game on XX/XX/XXXX on XXXX. I ended up finding some, contacted the person through phone call at XXXX, paid with XXXX through Wells Fargo. I ended up getting scammed {$300.00} for the tickets and never received them or my money back. I did more research on XXXX and this number has been associated with a few different scams on this phone number. Hopefully this person gets caught for this. This is very disappointing and hope this can get resolved. I will link a photo my my texts, the ad, and an article regarding the same phone number and their scam.

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 2021-11-15 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
XX/XX/XXXX payment sent XXXX to credit card company XX/XX/XXXX bank payment sent XXXX to credit card company genesis fs card services XXXX XXXX XXXX XXXX Oregon XXXX XXXX XXXX XXXX XXXX Georgia XXXX Upon contact of credit card company explained my bank verified funds have been processed an settled. Credit card claims they hold customers funds for 14days without clearing them for use in the effort to report fraudulent earnings by credit card agency on the financial reports. 

My account should not be held for 14 days when funds were processed an settled as available. They do this in an effort to hold funds from consumers an charge increased interest among other reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Pursuant to 1022.41Regulation V. 

I noticed XX/XX/2021 The accuracy and integrity of the following information on my consumer credit report is showing to be very inaccurate on credit report agencies XXXX, Experian, and XXXX on the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX Is XXXX, XXXX, and Experian in compliance with the CFPB? 

What are their policies and procedures on accurate and integrity?

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 2021-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
While dealing with my refinance with Rocket mortgage, my loan was closed on XX/XX/21 on the refinance which I was told the amount paid off this mortgage of {$180000.00}. and the automatic payment would be stopped. 

and on XXXX the balances show 's paid in full, and RM still automaticly took my XXXX payment on the same day. 

I called to explain this to several representives, and was told the money would not be refunded to me until the middle of the month. 

This is unacteptable, to have to wait this long to be refuned moneys that was taken in error, and that was not due to RM. 

I want to make a formal complaint because so many of the RM reps gave me different informtion and as of today I still have not been refunded the payment that was taken in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: Lending Club Corp
State: CA

Complaint narrative:
LENDING CLUB CORP - XXXX account has been settled in full since XX/XX/2021, but they keep reporting inaccuracies on my credit report causing my XXXX score to drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
While checking my credit card statement on Chase 's website I saw an offer off to the side from chase stating that you can earn {$75.00} back when you make two transactions of at least {$37.00} with XXXX wireless using my credit card. 

I went to XXXX XXXX website via the website link on the offer " XXXX '' and made two qualifying purchases. 1 transaction for a XXXXXXXX XXXX XXXX  for {$39.00} before tax. 2nd transaction for an XXXX XXXX XXXX  and XXXX XXXX XXXX  XXXX XXXX {$38.00} before tax. 

The terms also stated that " It is possible that a merchant may split your purchase into multiple transactions. In this case you may only receive your statement credit on the first transaction amount. If this occurs, please call the number on the back of your card '' Sure enough XXXX split the 2nd transaction into two shipments. One shipment for the headphone adapter cable and at a later date another shipment for the air tag. Charging the credit card as items from the order shipped. 

I figured no big deal the terms said if this happens to call the number on the card to get it straightened out. So when a letter in the mail came that stated : " Since there was only one purchase from XXXX XXXX XXXX in the amount of {$43.00} on XX/XX/2021 if did not qualify for the offer '' So I called on XX/XX/2021 @ XXXX and an agent said they understand and will submit a request to review and should get a response from chase. 

I get a response in the mail XX/XX/2021 that again chase has denied the promotion because the terms were not met. 

I call and speak to 3 different managers. 1st says unfortunately there is nothing she can do because once marketing makes a decision it is final. 2nd Manager hangs up the call after answering. 3rd manager : Decision final, even if they are wrong, she is very sorry though I'm XXXX out of luck. No way to complain, no escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Account Control Technology, Inc.
State: TX

Complaint narrative:
In XXXX I received an alert from my credit report that Account XXXX XXXX has " Parked '' a debt on my credit. No letter was mailed to me, no call made. Debt parking is illegal. XXXX XXXX was provided a identity theft affidavit along with a police report In XX/XX/2020. The debt was removed back in XXXX of 2020. Now, Account XXXX XXXX will not honor the identity theft documents. I am hoping that you all will fine the collection company for debt parking this debt in my name, as well as fine them for not honoring my dispute that was sent via certified mail to the address of XXXX XXXX XXXX XXXX XXXX, OH 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 2021-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
This complaint is from XXXX XXXX, a consumer/natural person. I am submitting this on my behalf and there is no third party involved. I notice that the company affirm is still reporting information on my report and continuously updating negatively causing harm to my credit profile. I also did not give written consent for them to furnish anything on my credit report. This is a violation under federal law pursuant to 15 USC 1681b ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX - XXXX account has been settled in full since XX/XX/2021, but they keep reporting inaccuracies on my credit report causing my Equifax score to drop.

Company response to consumer: Closed with explanation