vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-09 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: Block, Inc.
State: NY

Complaint narrative:
I attempted to recieve my unemployment back pay that I've been waiting on since XX/XX/2020. Literally, the day my funds are released, out of nowhere my account is disabled. No reason given. I was told it could be something in my account history, transaction disputes, or other possible violations of Cash App policy. Well there was nothing wrong the last time I used my card to get XXXX food or purchase an in app game purchas the night before. Im not sure how they came to this conclusion, but there is no recourse for me as a customer. Im helpless. Im stuck. My car payment is behind ( my fault, I know ) and I'm in repo status. My alternator broke 2 weeks ago now I cant move my car to try and make money. I was relying on Cash App to bring me through. My unemployment account already had an error fixed on it, which is why it took so long to be disbursed to begin with. I chose cash app as it had never done me wrong. Boy what a mistake that was. No explanation? Just a XXXX email saying sorry we closed your account, but we won't let you reopen it either. Tough luck and deal with it. What a bully way of handling someone who chose to use your company and trusted your company to secure their financial wellbeing. This type behavior is what is going to kill the next generation of banking users. The way they can freeze your life and you have to answer to them to get your own money. Its just a reminder we aren't free. Its depressing and very eye opening. Any company handling consumer funds, especially credit cards/debit ( prepaid or not ), should have mandatory live phone customer support and have to provide an exact reason why they closed the account. Otherwise how do I know this wasn't discrimination against the poor? How do I know I wasn't targeted? I want an answer for why I'm going to have to wait an additional 7 weeks for my money to be disbursed again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Based in XXXX, I have had an account with coinbase, I have used it to purchase cryptocurrency up to now. 
About three weeks ago the account blocked me from trading, buying or selling bitcoin and ether, it erased my payment methods saying that I need to add another credit debit card but it wont allow me to add a card. ( Tried all three of my cards ) I have tried many times to contact them and written to coinbase via their customer service but it just goes around and around in circles. 
I have over {$6000.00} US dollars stuck in a portfolio in this account, my life savings and I really dont know what to do. 
I have another XXXX account that works perfectly without issue. 
Please can someone help me to retrieve my funds blocked in my coinbase portfollio

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-09 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$4800.00}, {$2400.00}, {$1300.00}, {$4100.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXXXXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 


-- OPEN ACCOUNTS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
I see several 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi, I am using this to report chain mail fraud. Not sure what is more impressive, the creative department names or titles! This was a fun run. All Wells Fargo correspondence is sent via electronic means. I do not receive or have approved any mailings. Attached are photos of the envelopes and mailings. Just some, I threw most of them out. Please investigate, I have lost {$200.00} because of this. Thanks. All happenings have been reported to Wells Fargo. 

Logos on the envelopes are ill placed and the lettering is not appropriately sized They are using a Newspaper and advertisement black and white print logo, not the exact tone match. 
The Watercolor logo is not embedded, but printed. 
Addresses keep changing Black and white not in color as per the general Wells Fargo mailing Cheap paper Double sided printing Not the Wells Fargo designated envelopes. 

Under zero circumstances, are any correspondence and attachments to be shared with XXXX XXXX, or any other Attorneys at XXXX, XXXX, XXXX. Thanks Reported BY : XXXX XXXX Customer XXXX XXXX XXXX, XXXX Ca 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 2020-08-09 00:00:00
Product: Credit card or prepaid card — Student prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/2020 I could not link my PNC debit card to my teen 's CURRENT account. Issue still isn't resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Every time I try to log in into paypal, I get a message stating, " Sorry, we can't log you in. If you think there's a problem with your account, please contact us ''. I keep getting orders from XXXX that have money deposited into the paypal account, but you won't let me log in to ship the items. Therefore, you are now stealing thousands of dollars from me. I can't contact you without being logged in, and you refuse to answer your phones. 

You're a terrible worthless company and I'm glad XXXX is moving to their own platform so I won't ever have to deal with you ever again. You won't ever get a single cent from me after this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I have experienced multiple service related issues with my current mortgage holder. They begun with a refinancing process that was completed on XX/XX/2020. 

The refinance was completed with XXXX XXXX XXXX XXXX XXXX Their contact information is : XXXX XXXX XXXX XXXX XXXX XXXX 
NMLS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The refinance was completed for a loan amount of {$280000.00} which was inclusive of the following : 1. {$6700.00} in closing costs ( including funding of the escrow account ) 2. - {$450.00} in prepaid closing costs 3. {$270000.00} in loan payoff. 

Since at the time of refinancing, the loan balance was {$270000.00} and the loan payoff amount exceeded that, {$1300.00} was applied as principal reduction to borrower. This is indicated as such in section ( K ) of the closing documents. 

Soon after refinancing on XX/XX/2020, the loan was sold to 'NewRez '. The contact information for NewRez is : NewRez LLC NMLS # XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX PA XXXX XXXX NewRez failed to do the following : 1. Apply the first mortgage payment in a timely manner ( the payment in the amount of {$4000.00} was made on XX/XX/2020 but was not credited till XX/XX/2020 ). Thus, the outstanding loan amount that accrued interest was higher for more than 30 days. 
2. Failed to reflect the correct loan balance of {$280000.00} - {$1300.00} XXXX principal reduction as explained above ). 
3. On XX/XX/2020, NewRez failed to make a payment to the homeowner 's insurance provider : XXXX XXXX which resulted in a cancellation of the policy due to non-payment, and subsequent attempts to reinstate the policy have resulted in a rate increase from {$410.00} ( per year ) to {$660.00} ( per year ). 

Several attempts have been made to contact NewRez to resolve these issues and the only notification received thus far is a request for additional time from NewRez to resolve this issue.

NewRez was first approached on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, NewRez was provided with all relevant documentation : Copy of the check that indicated the loan payment of {$4000.00} referenced above in item ( 1 ), Closing documents that reflected the accurate loan balance, referenced above in item ( 2 ). 

This information was sent again on XX/XX/XXXX at the request of NewRez.

It has now been over 90 days since the first time NewRez were approached to resolve this issue, and yet, no development has occurred. Additionally, I have to reinstate the homeowner 's policy and pay the premium out of pocket in order to maintain coverage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Date is changed for scheduled bill pay. By hackers inside or outside of the company. The Bank also gives me a difficult time scheduleing electronic payments in bill pay, which should be available to schedule for the next day. They say it will take over 10 days to process.

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 2020-08-09 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XXXX - XX/XX/2014. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Riverwalk Financial Corporation
State: LA

Complaint narrative:
I discovered back in XX/XX/XXXX that a lawsuit was won by my State Attorney against XXXX and consumers whok had loans or have loans with them from XX/XX/XXXX to XX/XX/XXXX as well as repos. My vehicle was repo in XXXX XXXX. I called XXXX ( the original loan owner ) as well as the current company the loan was sold Deville Management both companies were called 3 weeks ago on XX/XX/XXXX asking about the information about the loan being removed on my credit report due to the lawsuit and me no longer oweing anything due to the XXXX Settlement and both companies act as though they didn't know what I was talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: FL

Complaint narrative:
My name is XXXX, i send money through remitly app, my 3 transaction were not deposited in my account, i was stuck in the cruise ship so i cant check my money, when i come back to XXXX i checked my account it was not there, i contact the company service centre, they said your one number was mising in your account number, i was sure becuase they send me mail, your money deposited in your account, i just miss one number when i send money but other information was right, ifsc code, bank name and branch name i want fefund that amount i am in trouble now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
From early XXXX until the intended close date of XX/XX/XXXX, LoanDepot erred through a lack of oversight and communication ( subsequent to my discovering/escalating an issue ) regarding an intended mortgage in the amount of {$340000.00}. 

Details within the attachment. You'll see LoanDepot 's nonperformance was exacerbated by a deliberate lack of communication ... and subsequent deception ... as I tried to fix their problem and affect the close.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I discovered back in XX/XX/XXXX that a lawsuit was won by my State Attorney against Santander and  consumers whok had loans or have loans with them from XX/XX/XXXX to XX/XX/XXXX as well as repos. My vehicle was repo in XXXX XXXX. I called Chrysler/XXXX  ( the original loan owner ) as well as the current company the loan was sold XXXX XXXX both companies were called 3 weeks ago on XX/XX/XXXX asking about the information about the loan being removed on my credit report due to the lawsuit and me no longer oweing anything due to the Santander Settlement and both companies act as though they didn't know what I was talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
- i had a XXXX XXXX XXXXXXXX credit card for 25 years. 
- in XXXX of 2019 i disputed a charge with a vendor - XXXX XXXX XXXXXXXX said they reversed the charge - i did not pay it - XXXX XXXX XXXXXXXX charged me a late fee and interest for not paying the statement amount - XXXX XXXX XXXXXXXX reversed the late fee, but the incident is showing up on my credit reports as a late payment - i closed the account in XX/XX/2019 - 25 years i never paid late or underpaid the amount owed, and mostly kept a XXXX balance

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 2020-08-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: PA

Complaint narrative:
XX/XX/20 received a USBank Reliacard. It shows a balance of {$11000.00} in UC Benefits. I did not apply for UC Benefits I am retired for 7 years. I believe someone has Applied for these benefits illegally. Can you please help me with this problem. Unfortunately I had to activate the card to find out any info about it. I have not made any withdraws on this card and I don't intent to. Please help me with this problem. 
XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/2020, I received out of nowhere 2 collection letters from Resurgent Capital Services/LVNV Funding LLC for {$3300.00} and {$4600.00} respectively. On XX/XX/2020 I certified mailed this company Debt Validation request letters with return receipts so i would have proper records that the company received the requests. On XX/XX/XXXX, and XXXX 2020 i received the signed return receipts stating that the request letters had been received. On XX/XX/2020 I received a phone call from the company in regards to these 2 collection accounts in which at that time I advised the representative that i wished to only be contacted via mail and made her aware of the validation requests. As of this date XX/XX/2020 I have not received any validation information from this company and furthermore have received not communication via mail as requested. Today XX/XX/2020 I received notification from my credit monitoring service the these to collections have been placed on my credit reports as negative items. I am deeply upset as to why this company would do this as I requested Validation and the have never validated the debt. I also believe this is a violation on my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-09 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: FL

Complaint narrative:
Went car shopping multiple inquiries supposed to count as one inquiry if within 30 days. Called to dispute. I did not ask for the items to be verified and thats all they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
Joint account been taken off because the main owner is on chapter 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 2020-08-09 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: MD

Complaint narrative:
- i had a XXXX XXXX XXXXXXXX credit card for 25 years. 
- in XXXX of 2019 i disputed a charge with a vendor - XXXX XXXX XXXXXXXX said they reversed the charge - i did not pay it - XXXX XXXX  XXXX charged me a late fee and interest for not paying the statement amount - XXXX XXXX XXXXXXXX reversed the late fee, but the incident is showing up on my credit reports as a late payment - i closed the account in XX/XX/2019 - 25 years i never paid late or underpaid the amount owed, and mostly kept a XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: FL

Complaint narrative:
Please be advised that I was set up on Auto Pay since my account was opened. I made all payments on time. On each statement your Auto Pay Policy states ( If you are enrolled in our Auto Bill Pay program, your automatic payments will continue until your balance is XXXX. ) I cancelled my service on ( XX/XX/2020 ) and went to another Carrier. 
However you did not continue to draft Auto Pay after my service was cancelled, ( which is inconsistent with what your Auto Pay policy states on the statement ). Also I was not notified that your company would not attempt to draft the Auto Pay for the last bill, so I was unaware that the last bill was not paid until it showed up on my credit report as a collection. 

I called XXXX XXXX immediately and paid the bill asking why you did not submit the Auto Pay draft. I was advised that since the service was cancelled your company stops the Auto Pay, again ( which is inconsistent with your Auto Pay Policy on the statement ). 

This late payment collection reporting on my credit report is due to an ( Auto Pay error ) with 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