vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: UMPQUA HOLDINGS CORPORATION
State: WA

Complaint narrative:
Well this is about the bank being told about a Person who committed mortgage fraud with them. And Even with all the information you would need to open and close an investigation in less then days if you included filing paper work. Umpqua Bank did not start any investigation into it. XXXX $ owner occupied HELOC were the owner was already closing on their new more expensive home on XX/XX/XXXX and the Heloc Closed XX/XX/XXXX. had new tenants in XX/XX/XXXX and still reside their and owner is 1 mile away. Told Umpqua who does not offer ANY income property loans the loan number and all information stated here. told them new tenants name and the person who committed the fraud is a commercial loan officer for another bank and full aware of the repercussions if institutions cared about white collar crime. But no investigation or effort. But everywhere I look is an article about stopping fraud?

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 2021-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: GA

Complaint narrative:
I have insurance so I shouldnt be charged for any medical bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I reserved a five-day stay at Marriott XXXX, and we stayed five days. During one night of our stay, occupants in the room next door were being disruptive and were doing damage to the room. We reported the issue to the front desk three times. At approximately XXXX the police arrived to remove the occupants from the hotel. 
Following the incident, I went to the front desk on 3 separate occasions to lodge a complaint and request a credit for the night. Each time I was told no manager was on duty to assist me ; they took my name and number and assured me someone would contact me. No one ever did. 

I did not authorize Marriott to charge me for the full amount of the stay, however, they did so when we left the hotel - I did not sign anything indicating that I agreed with the amount of the charge. 

The next day, I called my card issuer, Chase, to dispute the amount of the charge. I spoke with three individuals at Chase, including a supervisor. They told me it was not their job to assist with customer service issues, and that I had no recourse from them. 

Based on my own experience with other card issuers, and from what I've read, I believe it is the responsibility of the card issuer to assist in resolving discrepancies between service providers and consumers : XXXX XXXX XXXXXXXX XXXX I promptly closed my account with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I was part in a XXXX internet scam. 

Funds were sent via the Coinbase crypto exchange to a wallet/address that was participating in a fraudulent activity. 

Per my basic understanding, it is Coinbase responsibility to verify the receiving wallet/assess is not participating in fraud, money laundering, XXXX activity etc. 

With a multi level process for this determination, I believe Coinbase should have rejected the transaction and is in breezy of their responsibilities to me asa a customer of their exchange.

I contacted Coinbase and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A complaint was filed on Experian under for not updating my credit report to show XXXX is paid in full. Their response back the you ( CFPB ) that the account was updated. A complaint was filed on XXXX with you ( CFPB ) for not posting my payoff check to my account to reflect a {$0.00} balance since XX/XX/2021 and also failure to report the closed account to all 3 credit bureaus. XXXX finally updated the account to {$0.00} balance recently but did not report my account is paid in full to Experian. The account is still open showing a balance of {$22000.00} and is being counted as part of the debt ratio, credit and/or from receiving a low interest rate. Although have a letter stating the account is closed, this is not acceptable with some banks when trying to obtain a credit. Per XXXX, the account has to show {$0.00} balance on the credit report. Ive asked numerous of times for this problem to be resolved with Experian and with XXXX. Experian will not allow me to file another dispute or call in to file a dispute regarding XXXX. Ive provided the complaint # s that was filed with you ( CFPB ) to show their response back stating the issue is resolved ( which is incorrect ). 
Here are the complaint # s : # 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 2021-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
On XX/XX/14 my Coinbase account was hacked. I alerted Coinbase and my account was locked and all my funds are missing XXXX including multiple charges to my bank account in the amount of {$600.00} as well. I have sent multiple emails and have yet to hear from anyone from Coinbase

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Resource Systems, Inc
State: FL

Complaint narrative:
Company is collecting a debt that doesnt belong to me and refuses ro stop calling and now has reported me to my credit agency.

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 2021-08-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im disputing two fraudulent accounts for XXXX XXXX and XXXX XXXX/XXXX XXXX these investigations took more than 30 days and Equifax is unable to block these items due to identify Theft and put them in a regular dispute instead they are unable to assist me over the phone and didnt remove these two accounts or my inquires I currently have XXXX inquiries all of them fraudulent. Every since the Equifax data breach started these account were open without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

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 2021-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I had the following chat with PayPal 's incompetent robot chat feature this morning at XXXX. It clearly doesn't understand that XXXX is past XXXX when the humans should have awakened from their slumber and taken back over from the robot overlords. 


Put me through to a representative or I will file a CFPB complaint. 

XXXX XXXX XXXX our agents are currently offline. Please try again during business hours. 


They will return on XX/XX/XXXX, at XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, an unexpected online debit came out of the account, putting the 'pending ' balance just in the negative. That evening I went online and transferred CASH from my XXXX account and CASH from my linked savings account to cover it. The available balance was again in the positive. I checked again around XXXX and found the website down and it would not show transactions or balances. Tried again around XXXX and found a positive available balance reflecting the deposits. Next day, I checked again. PNC had withdrawn money from my savings account to cover a negative balance. They also failed to credit my account for the rest of the CASH I put in, and ran the pending transactions through prior to crediting the CASH deposits.The CASH deposit was put in pending status. Come to find out, my account was off the money they transferred from savings, then took out, then charged me FOUR overdraft fees totaling {$140.00}! This put my account even more in the negative. I called them three times, once at the local branch, and again at the national number. No help. Called again, and the national number associate said she understood, but there was nothing she could do. 

I've attached a screen shot of my account balance pulled up after my CASH deposits showing a positive available balance around XXXX that night. I went to bed thinking everything was ok!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST CENTENNIAL MORTGAGE CORP
State: IL

Complaint narrative:
First Centennial Mortgage in XXXX Illinois denied me a refinance back around XXXX but still put it through at about $ XXXX. They now have a lien on the title for this fraudulent transaction. So now I have two mortgages one is correct and the other created by the scam artist XXXX XXXX of said mortgage company. Having this fraudulent lien from this sham company First Centennial mortgage of XXXX is preventing an honest real mortgage lender the chance to refinance due to this. I never got the refinance last year from this sham company as they rejected my application but they still went through with it and put a lien for the original amount. This complaint follows the one from last XXXX # XXXX where they admit they didnt give me the refinance but they still went through with it and put a lien on my title. I will follow this up with a police report for theft and fraud as well with the local police department along with notifying others to beware of this thieving company.

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 2021-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
A auto loan was ooenes online by my fathers ex wife she used my name my social but put her cell phone number. Her email. And her address and i been fighting this sinceXX/XX/2016when it happened and nothing has been done..i provided police reports showing she opened many other accounts in my name and that the address that was uses was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
A complaint was filed on XXXX  under for not updating my credit report to show Ally is paid in full. Their response back the you ( CFPB ) that the account was updated. A complaint was filed on Ally with you ( CFPB ) for not posting my payoff check to my account to reflect a {$0.00} balance since XX/XX/2021 and also failure to report the closed account to all 3 credit bureaus. Ally finally updated the account to {$0.00} balance recently but did not report my account is paid in full to XXXX. The account is still open showing a balance of {$22000.00} and is being counted as part of the debt ratio, credit and/or from receiving a low interest rate. Although have a letter stating the account is closed, this is not acceptable with some banks when trying to obtain a credit. Per XXXX, the account has to show {$0.00} balance on the credit report. Ive asked numerous of times for this problem to be resolved with XXXX  and with Ally. XXXX will not allow me to file another dispute or call in to file a dispute regarding Ally. Ive provided the complaint # s that was filed with you ( CFPB ) to show their response back stating the issue is resolved ( which is incorrect ). 
Here are the complaint # s : # 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 explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.

Complaint narrative:
this is my original complaint number XXXX-XXXX, as a result of all that is happening with my account at Citi, over and above everything today XXXX XX/XX/2021 i was informed by my bank localy, that Citibank NY requested to withdraw money ( XXXX euros ) from my account at my local bank ( XXXX XXXX XXXX - XXXX ) which was the deposit credit from the liquidation and tranfer of my stimulus checks received by the US treasury XXXX and XXXX usd respectively! 

Not only is this illegal and insulting but it requires examplatory action against Citi!! 
Please provide me with assistance at your earliest

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 2021-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I sent XXXX coin from my trust wallet to my Binance.US account. I did not include my memo when transferring my XXXX, I sent XXXX XXXX to my binance.US account. I filed a support ticket with binance.us to recover my funds and i was told it would be recovered.I have received 2 emails saying binance is working on it. Its been over a month and no sign of my funds. I know it takes a awhile but I have seen a lot of people waiting on funds for a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Special Financing Company, LLC
State: OK

Complaint narrative:
I was guaranteed a loan at a fixed interest rate that if I paid it off in 1 year, then I would be refunded the interest paid on the loan. 

The loan was taken out on XXXX of XXXX. I made payment until XX/XX/XXXX. I called the company and ask they take I pay in full the remaining amount. Which was less than {$800.00}. I wanted to pay in full because 1. I wanted to refund the interest. 2. I am on XXXX in XXXX. 

I was unaware that they stopped payments AND started sending late notices. They can only be contacted via phone and have not been responding to my voicemails. Every time I call, it's always busy. 

I am worried that not only did I try to pay off my loan, that they are malicious saying that I stopped paying, which would affect my credit and let them not be able to pay me back the interest that I am owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Brother Loan & Finance Co.
State: IN

Complaint narrative:
I received a letter in the mail from brother loan and finance company stating that I owed money on a debt and that if I didnt make a payment a payment arrangement within in the next 5 days from the letter dated XX/XX/XXXX that they would forward the account to their collection attorney. I called brother loan and finance when I received the letter asking for information on debt due to having no recollection of the loan. They asked for the last 4 of my social in order to pull up my account which at first I was hesitate due to recent scams. I gave it to them anyway and the representative said that the loan was from a long time ago. I asked if they could send me information on the loan and she said she would. I never received verification on the debt so I believed it to be a scam. Then 3 months later I receive a debt collection notice stating I am being sued for {$4300.00} With this letter from their attorney it stated I had a week to get back in contact with him to either make arrangements or set up payment arrangements. His letter was dated XX/XX/XXXX but I didnt receive it until XX/XX/XXXX. Then on XX/XX/XXXX I receive a summons stating that I am being sued for {$4600.00}. The attorney had already filed the suit on XX/XX/XXXX which is 5 days after he typed up a letter. I live in another state so I did not get this information as quickly as I might have living in the state of Illinois. States that the charge off amount was {$440.00} so how is it now {$4600.00}? I feel this is a scam and the amount they are requesting is obscured.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2021, I called SunTrust ( Truist ) Bank to originate a transfer in the amount of {$480.00} to close my checking account. I was told a transfer could not be initiated, but a withdrawal could be originated by telephone, and that I could expect to receive an official check within 10 business days. When the check did not arrive, I called the bank to open a Regulation E error resolution claim for a telephone-initiated transaction. 

When I called, I was first told I had to visit a branch to open a Regulation E claim. Then I was told that I had to complete a form and have it notarized to open a Regulation E claim. When I stated that Regulation E did not permit requiring notarized claims or in-person visits, the telephone representative transferred me to the fraud department. 

The fraud department stated they would open a Regulation E error resolution claim. 

Yesterday ( XX/XX/2021 ), I received a letter from the bank stating a notarized form and a visit to a branch were required to process me Regulation E claim.

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 2021-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC

Complaint narrative:
I was served a summons ( judgement ) from Smith Debnam Narron Drake Saintsing & Myers, LLP on XX/XX/XXXX. Notice of rights was served to me on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. I sent paperwork to them that was needed. I contacted a law firm and they stated that my amount was different on my " File No '' than what the Judgment Creditor was stating in XXXX of XXXX. The creditor stated I owed over {$28000.00} to XXXX XXXX XXXX. My case as of XX/XX/XXXX stated I owed with interest, since XXXX, in the amount of {$19000.00}. This creditor is in a violation of FDCPA, they are harassing me with the threat to get me to pay and they don't follow through with the execution. They keep harassing me with notice of rights which was served 3 times in one year ( noted above ). Second violation is they want me to pay a higher quote balance than what shows on the court system. I want them to stop contacting me..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: IL

Complaint narrative:
Subpoenaed XXXX XXXX XXXX to produce record of information it submitted to MrsBPOLLC re : fraudulent, delinquent XXXX Account # XXXX which resulted in me being victimized by their collection tactics. MrsBPOLLC is not a party to this action, however, MrsBPOLLC disclosed my confidential information without my knowledge or consent. MrsBPOLLC has not closed account, has not acknowledged that debt does not belong to me, and has not removed XX/XX/20 inquiry on my credit file as a result of this fraudulent activity and thus having no permissible purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation