vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
We have had mortgages for condos before and we have NEVER had the problems that we are having with this new loan through Suntrust/Truist Bank. I keep getting letters that they are going to purchase insurance for for us unless we submit proof of insurance. I do that and they send me another and another with dire warnings. First it is for unit and flood because there was some sort of mix up and they didn't get info at closing, ok. The next was for condominium master policy which is paid by the association and covered through our HOA dues. They want us to submit proof every year that the association has insurance or they will purchase a policy for us so that we would be double paying. What? Now they are telling us even though XXXX sends them the bill every year, we have to contact Suntrust and tell them that we are renewing with XXXX for flood and wall to wall or they will automatically purchase their preferred insurance for us. In essence, we have to contact them XXXX times over the course of a 30 yr loan. They can not put it in their system to automatically pay XXXX every year unless we tell them otherwise. This is a 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 2021-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX there was a charge on my checking account for {$1500.00}. I immediately marked it as fraud with my bank because I did not make that charge. At the end of XXXX they sent me a letter stating that their investigation was now closed and the charge would be reversed and posted to my account on XX/XX/XXXX because their investigation concluded that it was a verified and accurate charge. This was incorrect so I called them the same day, spoke to a woman who said she would reopen the investigation. Yesterday was XX/XX/XXXX and my account was hit for the {$1500.00}. I called them today on XX/XX/XXXX and was told they have 45 business days to conclude their investigation ( again ). This has been ongoing since XX/XX/XXXX, no information of the investigation was given to me. They've also taken my money that I need for bills and feeding my family and we don't have 45 days to wait. 

I did my own investigation and found out the charge was for a XXXX XXXX XXXX XXXX table in downtown XXXX, Tx. I live in XXXX, AZ. I have proof that I used my debit card in XXXX  XXXX, Arizona a week before XXXX. I have picture proof that I was with my family at my house in XXXX, AZ on XXXX. I've never even heard of this club, the website it was charged ( have never used it ), and would absolutely NOT be in XXXX, Tx. 

I personally believe my debit card was skimmed at a bank owned ATM. I use my debit card for ATM withdrawals at the drive-thru bank, the last time it was used before the fraud charge was on 10/26.This is the only logical and possible way this occurred. It was absolutely NOT me that made this charge and I'm disturbed how this bank has taken my money with no due diligence of their own in their fraud investigation.

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 2021-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I do not owe the debt, I have proof of everything. This company Phoenix Financial Services already had my alleged account on XX/XX/XXXX but they are reporting it as new on my report as open date XX/XX/XXXX. That is a lie. I have derogatory evidence from my credit file from XXXX that proves they previously had this account with same amounts. They keep passing this account between XXXX XXXX XXXX and back to Phoenix just to update it to my credit report. I will never pay the amount cause it is not my debt. They are wasting their time and money on me. And the attempting garnishment of my credit better stop or I will have no other choice but to bring a lawsuit against them for my rights violation. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Requested On : XX/XX/2019, HUNTINGTON NATL BANK Requested On : XX/XX/2019, XXXX XXXX XXXX Requested On : XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Requested On : XX/XX/2019, XXXX XXXX XXXX  Requested On : XX/XX/2019, SANTANDER CONSUMER USA Requested On : XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, SYNCB/PAYPAL add a hard inquiry on my credit reports. 
OnXX/XX/2020, XXXX XXXX XXXX  add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX : I filed a dispute about a charge on my credit with Capital One - credit card account number ending XXXX. This credit card was also closed by me following my complaint. 

XX/XX/XXXX to XX/XX/XXXX : Capital One, after several months and exchanges of information, advised me on XX/XX/XXXX, Capital. One Case XXXX, in a letter addressed to me, advised me they would be crediting my closed credit card in the amount of {$60.00}. 

They then advised me I would receive a check from them for {$60.00} within 60 days. 

To date, I have not received the credit to my account in the form of a check, as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
ARS I would like to once again ask to have all the documents you claim you have obtained and sent to me to confirm that this is an accurate. I have NOT once received anything from you showing the information you claim you have sent. You sent me a bill and that is it. A bill that said emergency services balance owed XXXX. I have not received any else supporting what you keep saying. Why would I now after all this time do all of the steps your telling me to do for identity theft three years later.? Why don't you take the steps and submit the documents that you keep refusing to send verifying the debt is mine. It would be a lot easier for you to provide those documents than me going and claiming identity theft three years later. I have spent those three years trying to get you to provide me documents with my signature verifying the debt belongs to me and for three years you just continue to send me a bill that says emergency services balance due. That means nothing. Again, I have maintained medical insurance for over five years, maybe even longer than that. So again. Show me more than a bill, And when I say that it means show me the entire MEDICAL RECORD you have on file verifying this debt and we can move on. Otherwise, stop updating my credit reports every month with XXXX. You have my information so you can send me the medical records from the date of service you have on there. Because I have not been to any emergency room.

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 2021-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I WAS REC REPEAT CALLS FROM MIDLAND I DISPUTE THE DEBT STILL REC CALLS I CALL XX/XX/XXXX XXXX XXXX 
HE DID AUTHENICATION OF MYSELF .... HE SAID I CANT HELP YOU WITH THIS ACCOUNT, HE PUT ME HOLD ... BUT DIFF USE THE BOTTON, HEARD HIM TYPING ... HE CAME BACK SAID, HE CANT HELP ME ... I NEED TO TALK TO XXXX XXXX I ASK, WHATS THE COMPANY ADDRESS OR PLACE HE REFUSED TO GIVE THE INFORMATION TO ME .... 
HE GAVE ME A NUMBER XXXX I ASK HIM IS HE A THIRD PARTIES COLLECTION .... HE REFUSED TO ANSWER .... 

VIOLATE -DID ASK ANY QUESTION? 
VIOLATE- REFUSED COMPANY ADDRESS VIOLATE-REFUSED SAY COLLECTION AGENCY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05 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: CITIBANK, N.A.
State: IN

Complaint narrative:
I filed a dispute with Citi on XX/XX/XXXX for a service that wasn't provided while I was on vacation. I was told it could take up to 60 days for a response. It was a pretty easy dispute and on the XXXX of XXXX they asked for additional documentation to support my claim. 

On XX/XX/XXXX I emailed them additional documentation of the vendors cancellation policy that basically supports what I had told them all along that I should have been refunded. I have enclosed the letter to citi. 

I never received a response until later in XXXX to that letter. There next response was that the form had filled out their form incorrectly and should have checked a different box on the app. They then said I need request it be filed differently. They wanted me to make a request to customer services that this claim be filed under canceled services instead of services XXXX which it was the way it was filed ). I made the request to customer service on XX/XX/XXXX of XXXX. I received a letter from them at the beginning of XX/XX/XXXX saying that it was not within their window where they could help. 

My issue was that I should have been told back in XXXX that I had check the wrong box on their app to dispute charge. It was something if they read the complaint could have been rectified. I had also made numerous calls to customer service agents who never brought up that it had to filed under canceled services instead of services. 

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 2021-02-05 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: PA

Complaint narrative:
I have written out and sent several letters to remove these fraudulent inquiries which is hurting my family please remove now XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  XXXX. 
Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XX/XX/XXXX Merchant XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Please remove

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 2021-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
I sent the attached letter certified to BBVA Compass on XX/XX/XXXX. I have yet to receive a response. It is required that companies provide a signed contract matching my ID signature to pursue collecting debt and they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted formal letters enclosing copies of my SSN card, current state driver 's license both of which contained my correct personal information, including my legal name and correct residential address. These letters were sent from XXXX through XX/XX/2020. 

This information was submitted to Experian, XXXX, and XXXX on numerous occasions, IN WRITING, providing all related documentation to prove my legal name, address, and correct SSN. 

To date, these credit-reporting agencies have REFUSED to remove all erroneous information. THEY ARE REPORTING ADDRESSES OF CITIES AND STATES I HAVE NEVER RESIDED IN AND HAVE NEVER VISITED. THEY ARE REPORTING SOCIAL SECURITY NUMBERS THAT ARE NOT MINE. THEY ARE REPORTING NAMES THAT I HAVE NEVER USED. NONE OF THESE NAMES ARE MY LEGAL NAME AND DO NOT APPEAR ON MY SSN CARD.

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 2021-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The person who owes the debt is in the hospital on a XXXX  with XXXX  and not expected to survive but i have told them this but they call about 10 times a day every single day of the week. i block every number they call but have called from about 35 different numbers. they have been calling for about 6 months since i have been here for my family member suffering from XXXX. they call all day and night.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RUOFF MORTGAGE
State: IN

Complaint narrative:
This is a continuation of CFPB closed # XXXX. 

As you can clearly see by the evidence presented ( the threatening letter from Rouff Mortgage and page showing my automatic payments made ) I am NOT behind in payments nor do I have any evidence that any were late. 

Auto pay is set up to take the payment out on XXXX of each month to by the XXXX of the next month to always be on time. This is an electronic payment, not mail which might be lost! 

This is nothing short of harrassment to get another extra payment and I am NOT playing that game again! I never received the letter last time but paid that one regardless to be done with it since a corporation can produce anything they want to from a computer but an unsuspecting consumer can not prove they never received it! Refreshing your memory when I phoned the XXXX XXXX office to verify the XXXX due date, they said " first payment due '' in XXXX is correct and proved my point. 

I am tired of this harrassment. Either XXXX is making an effort to get more free profit, or they can't adequately run their own business.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I sent the attached letter to XXXX certified on XX/XX/XXXX and have yet to receive a response. The company is required to send me a signed contract with the signature matching my ID to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted formal letters enclosing copies of my SSN card, current state driver 's license both of which contained my correct personal information, including my legal name and correct residential address. These letters were sent from XXXX through XX/XX/2020. 

This information was submitted to XXXX, XXXX and Transunion on numerous occasions, IN WRITING, providing all related documentation to prove my legal name, address, and correct SSN. 

To date, these credit-reporting agencies have REFUSED to remove all erroneous information. THEY ARE REPORTING ADDRESSES OF CITIES AND STATES I HAVE NEVER RESIDED IN AND HAVE NEVER VISITED. THEY ARE REPORTING SOCIAL SECURITY NUMBERS THAT ARE NOT MINE. THEY ARE REPORTING NAMES THAT I HAVE NEVER USED. NONE OF THESE NAMES ARE MY LEGAL NAME AND DO NOT APPEAR ON MY SSN CARD.

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 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Good morning i have been sending to the 3 credit bureaus dispute letters since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about the inaccuracy and incomplete of the accounts they are reporting. i do have proof that i been sending letters. I have been trying to make sure they correct and delete the inaccurate accounts but they have not even update or send me any correct 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 2021-02-05 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: MA

Complaint narrative:
Coinbase rep moved {$19000.00} worth of XXXX out of my coinbase account and never got them back to my coinbase account. I called Coinbase 's customer service line, someone answered from company. I needed to update bank info on coinbase trying to buy more XXXX XXXX on coinbase ( I was not getting the micro deposits into new bank account ) the coinbase person who answered the phone ( I have proof I was on phone with coinbase for 37 minuets and I received a call back ) stated that my coinbase wallets and account was frozen and they Coinbase had to create new wallets and move XXXX coins ( XXXX, XXXX, XXXX, XXXX, XXXX various coin amounts in each coinbase wallet ) into said new coin wallets. I wrote down new wallet addresses and the coinbase rep then created new coinbase wallets and moved the holdings out of old coinbase wallet and created new coinbase wallets and transferred them. I was under the impression that my coins would stay in coinbase and when I looked at my balances all XXXX  coins from said holdings have disappeared in the amount of {$19000.00}. As a 100 % XXXX XXXX XXXX and new to coinbase I followed Coinbase 's lead on a problem with my account only to have them lose or steal them from me.. Coinbase mission statement, if you will, states they created this company for the new and un educated new investor who can be looked out for by coinbase so as of now they have no customer service or educational services. They set you up with this false narrative and then take your money and coins away from you.. .. 
So much for GOOD Faith financial business. This company is stealing money from LOTS of customers.. over 1400 complaints on missing money is what I've found so far

Company response to consumer: Closed with explanation