vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
On or about XX/XX/2021, I learned of a company called Coinbase. Through them, one could buy parts of Bitcoin. After registering with them, providing driver 's license scan, self-portrait, Social Security numbers, and bank account numbers, I sent {$100.00}. a few days later, I Sent another {$100.00}, for a total of {$200.00} a few days later. 

About one week later, I was no longer able to get into my account. The company has a help phone line which is unmanned and through which one can only report possible fraudulent activity. I have filed several reports, and find a lot of XXXX complaints about the company. Apparently I am not the only one that's getting built on these things. 

They are traded on the XXXX XXXX as of XX/XX/2021 ( symbol is coin ) Apparently, a case number is automatically assigned when you call. I have several case numbers. In each of their responses, they wanted to know the same information that I keep sending them. They act interested and state that they will get back to me as soon as possible. As of this date, I have not heard anything from them. I am unable to get into my account and can not get my money back. 

Their canned response to each of my emails shows that nobody seems to be reading them and I am probably being addressed by a computer. The instructions they send tell me to change my password and login again but the problem with that is then the site tells me that I have an invalid email or password. It invites me to change the password if I have forgotten it, which I have not. Clicking on the forgot password icon takes me to another useless exercise in changing it and then finding out that it still doesn't work. 

XXXX XXXX XXXX complaints are numerous, and in XXXX complaints about this company one sees hundreds of similar cases. 

All documents are emails and are not included here

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: IN

Complaint narrative:
I have a credit card through Continental Finance. I have one of their XXXX Mastercards. The problem I have is keeping up with payments. Every payment I make gets ate up by their absurd interest rate, fees and charges. This is a predatory company that preys on people like myself that find themselves in dire financial straits and don't have the best credit history. My current limit on the card is supposed to be {$700.00}. But I have gone over that limit and now every month my it seems like my minimum amount gets raised more and more. Not just that, but these vultures also keep increasing the total amount. Instead of {$700.00}, I now owe them almost {$1000.00} in total. I have no problem with them increasing my minimum payment, but I can't keep having them increase the total amount I owe. I have missed a few payments because I can not keep up with the avalanche of debt they keep throwing at me. No company should be able to treat their customers this way. I have no problem going back to our original arrangement, where I was paying a minimum of {$35.00} per month, but they can't expect me to keep paying XXXX XXXX dollars one month and XXXX XXXX the next.

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 2021-05-25 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: GA

Complaint narrative:
I noticed these fraudulent inquiries on my Equifax credit report and I've disputed them several times with the company and Equifax and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX  XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Telerecovery Corporation
State: LA

Complaint narrative:
Telerecovery is in violation of 15 usc 1692e ( 14 ). False or misleading representation. Telerecovery are debt collectors using more than one name to confuse the reader and actively reporting on my consumer report as different names. I am requesting date of assigned alleged debt and a contract between Telerecovery and XXXX. Telerecovery stated to contact XXXX Law Firm who they claim is representing for XXXX also. A corporation can not represent another corporation because a corporation is a minor meaning it can not speak for itself. Also no attorney can represent a debt collector nor can an attorney be a debt collector that is a violation of 15 usc 1692e ( 3 ). An attorney is in fact an individual adding himself to an action he had nothing to do with. Individual is separate from the corporation. This is an infringement upon a consumers right to privacy.

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 2021-05-25 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Transaction XXXX A fraud transaction with XXXX XXXX  took place on my PayPal Synchrony credit account ( managed by Synchrony Bank ) back in XX/XX/2021 for {$430.00}. I was inadvertently refunded for the fraud sale twice. Therefore, my PayPal Synchrony credit account was credited {$870.00}. This created a credit balance on my PayPal Synchrony credit account. I contacted PayPal Synchrony credit in XX/XX/2021 to make them aware of this because I had purchases that I wanted to make using my PayPal Syncrhony credit account. Nothing was done. I made purchases with my PayPal Synchrony account in the meantime. Eventually, the additional refund was debited back to me in XX/XX/2021, which was expected. However, the debit of {$430.00} ( to correct the duplicate refund they gave me ) posted to my PayPal account, not my PayPal Synchrony credit account like it should have. Therefore, my PayPal account ( which is completely separate from PayPal Synchrony credit ) is negative by {$430.00}, my PayPal account has been disabled until I pay the {$430.00}, and I am in collections with PayPal. This was all out of my control and not my fault. Yes, I owe the {$430.00}, but not to PayPal. I owe it to PayPal credit for purchases that I conducted on my PayPal Synchrony credit account after my fraud claim. PayPal credit allows you to pay over time. I want the fraud credit reversal off of my PayPal account and placed onto my PayPal credit account where it belongs. I have called PayPal, I have talked to PayPal collections, I have talked to PayPal credit. Nothing has been resolved and no one is giving me any solutions.

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 2021-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX XXXX  debit account XXXX Called Bank of America last week to have this all taken care of due to poor bank management. 
Bank of America agreed it was a mistake on their end and refunded overdraft fee of {$35.00} Today, notice account is overdrawn XXXX for same XXXX  payment of XXXX that was declined by Bank of America and another {$35.00} overdraft payment. 

Bank of America will not reverse overdraft even though they reversed the XXXX payment. 

Bank of America is causing pain and suffering due to their shady tactics a d shady employees

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 2021-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi went to the Bank of America ATM to deposit {$3000.00} when I try to deposit the money to the ATM it was pushing the money back again and again I was counting and putting back to the ATM finally its accepted the money but there is a massage popes up on the screen saying there is problem with ATM enter amount manually to confirm amount then enter manually {$3000.00} but Machine gave me credit for {$300.00} only then I called the manager for help told them what happened they told me they dont have access to the ATM call the phone number on the receipt then I did call them they gave me credit for that I didnt know that is temporary I thought Im good but two months later I received a latter oh they are unable to pay the claim that I did for {$2700.00} because they didnt find any money from the ATM and they said I walked out with the from the ATM which is not true bank is lying on both sources billing and video from the ATM I called them they reopen the claim twice but I received the same answer I asked them to show me the video but they are saying they dont have access to the video and the ATM so whos have the access to the ATM and the video they told me I have to get the subpoena from the court if I want to release that video from them but courts have currently very limited service I filed for subpoena and small claims today but court employees said they havent processed any small claim over a year because of pandemic theyre not sure they are going to process my small claim or not Im really helpless right know I lost my {$2700.00} I need to get that money from the bank please help me out this was happen on XXXX at 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 2021-05-25 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax stated that they verified the items on my consumer report. Which that information is inaccurate. These accounts are not verifiable, not validated and are inaccurate. If everything is not reporting 100 percent accurately then it must be removed. I need The CFPB to step In and find out what is going on. Also please refer to exhibit A. Per my consumer report with equifax they also claimed to have verified a bankruptcy on my consumer report via the us Bankruptcy court XXXX XXXX XXXX XXXX XXXX per exhibit A which is a letter directly from The courts proving that equifax reported a false and inaccurate item. Per the bankruptcy court clerks office does not report any bankruptcy information to any credit bureau. Well That is proof of fraud and against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This complaint is against Equifax. I submitted an application to an apartment on XX/XX/2021 which uses Equifax for credit checks. They informed me they were unable to process the credit check due to insufficient credit profile. The same happened for my XXXX XXXX credit card. They used Equifax to verify my credit and stated I had an insufficient profile. XXXX XXXX has confirmed they report my line of credit to all three bureaus. Additionally, I had student loans and was an authorized user on a card that should have been reported. I'm unable to create an account and have faxed identifying documents on XX/XX/2021 as requested by customer service. I'd like to understand why reported credit is unavailable through Equifax, why the system won't allow me to create an account and how I can create and view an account/report through Equifax. So far, this has likely cost me a place to live and customer service is not sufficient for a company with this level of control over my finances, personal information and life decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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 account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRUIST FINANCIAL CORPORATION
State: OR

Complaint narrative:
On XXXX Light Stream reported a consumer credit transaction that arose my credit card. This is a violation of FCRA 15 U.S. Code 1681a - Definitions ; rules of construction.

So it seems like Light Stream is violating FCRA by providing information on my consumer.

Below are the following things that should be excluded from my consumer report.

( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; I was never given the opportunity to OPT out. 

The consumer credit transaction between Suntrust and myself should not be reported to my consumer report. I was never granted the right to opt out by Light Stream.

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 2021-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I have received multiple calls from Citi Cards or their authorized representatives regarding a credit card that they indicate I defaulted on over 11 years ago. I don't know anything about this debt nor do I have any intent of paying it. I want them to stop calling me. 

Even though I have repeatedly asked to be removed from their calling list, they continue to call. Today they threatened legal action and to garnish my wages. They called from XXXX XXXX XXXX x XXXX. She said her name was XXXX and she indicated she worked for XXXX XXXX XXXX. She told me that she had already filed to garnish my wages. This is NOT true. Nothing has been filed and even if this were my debt it is far past the statute of limitations in the state of Iowa ( see Iowa code 614.1.4 ). 

Before XXXX reached me today she called my sister on my sister 's phone and told her that I was going to be sued for bad debt. She told my sister that this was my FINAL notice and that my sister better help get it resolved. Making these false claims and threats to my family is harassment and it is my understanding that it is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I recently sold my home, but a title search indicated that there was not a satisfaction of mortgage document filed on the property when I paid off the mortgage in XXXX. The mortgage company was XXXX XXXX and it was either owned by or acquired by U S Bank in XXXX. This would have been 3 years after I paid off the mortgage. The title company I was working with requested the satisfaction of mortgage document from U S Bank in XXXX, XXXX. They initially said they would forward the document to the title company within three weeks. They would not give the title person a specific department number or name of a specific bank representative. Each time she tried to contact U S Bank, she had to use the general customer service number. Apparently, we are waiting for someone in the Releases Purged Department to send the document, but the bank will not give a number for that department, and will not provide a contact person. The last email I received from my title company stated that we are " basically at the mercy of U S Bank at the moment. '' As of this date, XX/XX/XXXX, I have not received any notification from U S Bank. It has been about 2 1/2 months since they were initially notified. As a consequence, at the closing of my house on XX/XX/XXXX, the buyer 's title company withheld nearly {$100000.00} of my proceeds from the sale of my house. They also charged me {$150.00} to withhold my money. Everyone else has been paid -- title companies, realtor, and the buyer has moved into the house. I am the only one who does not have all of my money. I took out a mortgage on another house, and was planning to pay off this new mortgage with the proceeds from the sale of my other house. Now I am paying a mortgage on this new property. 

U S Bank should not be able to withhold a document that is preventing me from having all the proceeds of my sale to be paid to 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 non-monetary relief
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ

Complaint narrative:
I have obtained a bill for a date of XX/XX/19 for {$180.00} from ARS. I had advised ARS that this is a XXXX XXXX claim and my workers comp adjuster has reached out to them several times prior for the bill with no response. I had advised this company several times. They were extremely rude yelling on the phone advising they dont need to reach out to my XXXX XXXX claim. advised that it is against the law if they do not collect from the right source. Also advised them they had reported it on my credit and they need to remove it from my credit as it is against the law especially for a XXXX XXXX claim. The representative advised they will not do that. I had advised that i can file suite if they do not remove from credit as i have tried several times to give them the sources to collect debt from the correct party and they refuse to take the information, the representative had hung up on me each time I called. I had called and left messages for supervisors with no response. I need this to be removed from my credit as well as the agency to reach out to XXXX XXXX as my adjuster had been waiting for the bill.

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 2021-05-25 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: Block, Inc.
State: MA

Complaint narrative:
Dear CFPB Staff : 1 ) I established my Square Cash App cash debit card account roughly four years ago. 

2 ) On XX/XX/2021 at or about XXXX XXXX. EST, I attempted to use my Square Cash App Card to pay for an email service. 

3 ) On XX/XX/2021, at XXXX XXXX. EST, at about XXXX XXXX EST my Square Cash App Card was frozen with a positive balance of {$300.00} 4 ) On XX/XX/2021 at XXXX XXXX EST I attempted to access my Square Cash App funds but was unable to do so. 

5 ) On XX/XX/2021 at XXXX XXXX EST I accessed my Square Cash App account via the company 's portal. The portal indicated that a fraud alert had frozen my account. 

6 ) On XX/XX/2021, at about XXXX XXXX. EST, while accessing my Square Cash App account on the portal, I informed the company that there was no fraud and that I had specifically attempted to use the card for the vendor which I named. 

7 ) My money is still not available today, XX/XX/2021. 

I am a XXXX XXXX mostly working XXXX XXXX at a XXXX XXXX XXXX XXXX and need access to my funds. I am especially concerned to see online that many other customers of Square Cash App have experienced the same inability to access their funds after notifying Square Cash App that there was no fraud on their account following a fraud hold, and specifically citing the vendor they had attempted to pay. 

I have never had my funds held by any other debit or credit card provider after directly confirming the absence of fraud and indicating the specific vendor I had attempted to pay with that caused an erroneous alert, and in every other case the hold has been instantly removed. 

I am more concerned for others who are more vulnerable than myself, as this could really be devastating for low income single parents with children. 

Thank you for your very important work. 

XXXX

Company response to consumer: Closed with explanation