vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-02 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:
On XXXX XXXX I opened an Coinbase account and wallet and put over 87000 dollars from my XXXX XXXX checking account. I kept having problems with my account seems like every week I had to call Coinbase and address problems.On Friday XXXX i received a text from Coinbase that my password had been changed. I had not touch my account. I changed my password then.Every week I had problems with my account. Then on XXXX I got a text from Coinbase Fraud that someone was trying to buy 3000 in bitcoin. Then I got a phone call after phone call from this NJ # and I answered it and the person said they were from Coinbase Fraud and someone was trying to buy Bitcoin in my account. They said we are going to send you a code and you tell me what the code is. Then they repeated that. They said they would take care of the problem and that it would take 48 hours to clear up. and they hung up. This was at XXXX pm and noticed the person did not say thank you for being Coinbase customer. So I called coinbase and 47 minutes later the CS rep. said my account was compromised and she would expledite up and lock the account. One day later XXXX at approximately 615 pm i got texts from Coinbase saying I was sending out all these transactions 117 to be exact. I got a text from Coinbase saying these transactions would be delayed because of security issues. They let someone drain my entire account on that day. I filed a complaint on XX/XX/XXXX and I still have not received a answer from them and they keep telling me that are not responsible for hacking of my phone and emails. I called them to lock my account and they did not do it. Negligence. They have no headquarters address and all there CS rep. are not trained in cryptocurrency. They have no accountablility because they all work from home. I had one of the CS rep. ask me how much I had in my account and when I told her she said could confirm that. They have internal theft inside their company and do not even realize it. How do they operate without a fraud insurance policy. They made several Billion dollars last quarter. Now I know why? I am XXXX XXXX and that was 30 % of my retirement and they should held accountable. I have filed a police report at the XXXX Police Department and Detective XXXX XXXX has the copies of deposit to Coinbase and copies of the texts from Coinbase. I can not copy them and can not send them electronicall. Please inform Thank you for your time email XXXX Coinbase still is giving me the run around and case # XXXX and XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: NE

Complaint narrative:
XX/XX/2022 Dear XXXX XXXX & Nelnet/Firstmark Executive Management : I am writing as an severely distressed XXXX borrower, after having contacted Firstmark Services and Nelnet with a plight to place my Firstmark held loans in a Natural Disaster Forbearance ( beginning on XX/XX/2022, and through XX/XX/2022 ) for the Nebraska Severe Storms, which affected my employment and was a FEMA Declared Major Disaster on XX/XX/2022. 

After speaking to several supervisors ( including XXXX on XX/XX/2022 ) and being promised assistance with getting this forbearance applied to my loans, as well as several promised follow up calls which never arrived, I phone in and emailed several more times to request direly needed assistance. Firstmark continues to promise senior management follow-up which never arrives via phone, and at this stage your company has caused me severe medical distress and the near need for hospitalization. 

As such, please direct someone in senior management for assistance in placing these loans, as previously promised, into a Natural Disaster Forbearance as related to the detailed effect such issues have had on my employment ( as I explained to several inept representatives, I am unable to provide an exact address due to the nature of my work in landscaping many of my covered areas were affected by said storms ). This matter remains exceedingly emergent at this point, as my loans continue to become part due, threatening my credit and financial status, which is egregiously unacceptable. 

Please note, that while it remains my hope to resolve this matter immediately at this level, should this not be honored, I will be immediately contacting my direct contact with XXXXXXXX XXXX XXXX XXXX, as well as potentially filing Civil Litigation against Firstmark Services for the many false promises, refusal of assistance for a declared disaster, and related medical and emotional distress. 

Thank you kindly in advance for your immediate and urgent attention to this matter, and I look forward to speaking today by end of business to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a certified letter to Experian asking them to explain their verification methods. I never received anything from Experian but I have proof that my letter was received.

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 2022-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
I keep getting calls from argon debt collection to my phone. I have had the number for 6 years and this company has been told that the person they are looking for has not had this phone number for that long. The have said they would not call again but called me the very next week. The company is in XXXX XXXX Nevada. Their address is XXXX XXXX  XXXX XXXX # XXXX and they do not stop calling even when threatened with legal action. I try blocking the calls but they get through. Please advise me what to do about this Im not the person they are looking for and are too lazy to track him down

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 2022-03-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: AL

Complaint narrative:
I engaged USBank ( primary mortgage holder ) about getting a HELOC on my primary residence. 

They made the process very easy to do electronically. 

Whenever trying to access the money they put a limiit on how much is accessible ( only 5 % ). They claim I have to go to a local branch but there are no local branches. 

After the second time of being unable to access funds at time of need I told the rep I was going to move to another bank and they agreed that would be best and term fees could be waived. 

After a 20 min call on XX/XX/2022 at XXXX the CSR transferred me to a loan officer who said i have to go to a branch for a fee to be waived.

I feel these practices of making things easily when in their favor but difficult in my favor are unethical.

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 2022-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I sent in evidence, also an FTC report stating the accounts I am disputing isnt mine. And still XXXX and Transunion are giving me a hard time! This is torture and very depressing.

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 2022-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX I was alerted that a frivolous collection agency United Revenue Corporation placed an account for collection on all credit bureaus for the amount of {$950.00}. I immediately notified the agency that I do not lawfully owe this due and requested all documentation stating that I owe the collection agency. No contract nor legal obligation, contract, or agreement has been signed nor documented. The agency failed to provide sufficient information to validate the debt yet continued to harass and report a negative status and balance to all credit bureaus. Please note I wrote the creditor again on XX/XX/XXXX ( find documentation attached ) to request not verification but true validation of this debt and any contracts signed and or any legal statute that the collection agency can collect legally on this debt. On XX/XX/XXXX UNITED REVENUE CORPORATION wrote and informed me they have investigated and responded yet I have not been provided any legal documents stating that I owe the company. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. XXXX XXXX needs to be held accountable for its unlawful actions. UNITED REVENUE CORP HAS VIOLATED HIPPA LAWS LEGALLY YOU CAN NOT DISCLOSE ANY MEDICAL INFORMATION ON MY BEHALF WITHOUT PERMISSION. PLEASE PROVIDE A BINDING CONTRACT BETWEEN ALLEGED DEBTOR AND UNITED REVENUE CORP .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. But the issue is that the website never completely lets me finish the account setup with usual errors ( ie " failed security check '' or " site error, try again '' ) on multiple occasions. Contacting IT department of the bureaus lead to nothing as the agent would " open a ticket '' and no resolution was reached. When the site actually does let me make an account, I can't submit any disputes due to further glitches and contacting IT again leads to nowhere. Last option remains to call their representatives and proceed to dispute through that but when I do call, the reps are too lazy to even properly initiate any disputes. FTC and police report numbers are not taken over the phone and are asked to mail instead. Even after mailing the said documentations over and over again via certified mail and having proofs that the bureau received it, the agents keep denying the receipt and keep hindering my attempts to fix any and all attempts to resolve this drastic information leaks on the bureaus end.

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 2022-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Extended full faith and credit to American express for a consumer credit transaction and was denied allegedly for cancelled accounts in absence of verifiable tax forms. Notice of cancellation was accepted for value as verifiable acquittance by Amex and requested reconsideration pursuant to the Equal credit opportunity act. denied Equal Credit. Faxed over supporting documents titled notice of credit discrimination liability to XXXX delivered on XX/XX/22 and have not received consideration in accordance to Consumer Protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I was alerted that a frivolous collection agency PROCOLLECT INC. placed an account for collection on all credit bureaus for the amount of {$300.00}. I immediately notified the agency that I do not lawfully owe this due and requested all documentation stating that I owe the collection agency. No contract nor legal obligation, contract, or agreement has been signed nor documented. The agency failed to provide sufficient information to validate the debt yet continued to harass and report a negative status and balance to all credit bureaus. Please note I wrote the creditor again on XX/XX/XXXX ( find documentation attached ) to request not verification but true validation of this debt and any contracts signed and or any legal statute that the collection agency can collect legally on this debt. On XX/XX/XXXX PROCOLLECT INC wrote and informed me they have investigated and responded yet I have not been provided any legal documents stating that I owe the company. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. XXXX XXXX needs to be held accountable for its unlawful actions.

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 2022-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XX/XX/2022 I got a cashiers from XXXX for {$7000.00}. On XXXX XXXX I went to the XXXX XXXX Branch of PNC where XXXX XXXX is the branch manager. The branch is located at XXXX XXXX XXXX XXXX, XXXX XXXX Md XXXX. 

As of XX/XX/2022 I have been told by both PNC and XXXX that the check has not been cleared. XXXX has said that PNC has not contacted them for verify the check. PNC can also give no reasons that they have not cleared my deposit. They also will not give me the cashiers check back and cancel the deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
In XXXX of XXXX  I inquired about a payoff with Ally Financial for a XXXX XXXX, which was purchased during my marriage. At the time, I wrote the bank a check for the stated payoff amount, was assured that the account was satisfied and the title transferred. 

Months later, a {$1300.00} balance appeared on the account and continues to bog my credit report. I transacted the final balance and in good faith, with the information that was provided to me by the creditor. I have made multiple attempts to dispute the charges through various credit repair apps, and have always been rejected. 

Furthermore, the debt has been " written off '' from their perspective. While this is not an admission of their guilt, it certainly speaks to a lack of desire to collect the balance.It was not written off until I began to dispute the charges via XXXX XXXX. I believe the write off was a decision to get their mistake off of THEIR books, while continuing to bog down my credit report. 

I maintain that I do NOT owe Ally Financial for this balance. I believe, but can not prove due to a lack of transparency by the company, that there was a processing DELAY that that was THEIR RESPOSIBILTY, and that they are unjustly and potentially illegally damaging my credit status.

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 2022-03-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. But the issue is that the website never completely lets me finish the account setup with usual errors ( ie " failed security check '' or " site error, try again '' ) on multiple occasions. Contacting IT department of the bureaus lead to nothing as the agent would " open a ticket '' and no resolution was reached. When the site actually does let me make an account, I can't submit any disputes due to further glitches and contacting IT again leads to nowhere. Last option remains to call their representatives and proceed to dispute through that but when I do call, the reps are too lazy to even properly initiate any disputes. FTC and police report numbers are not taken over the phone and are asked to mail instead. Even after mailing the said documentations over and over again via certified mail and having proofs that the bureau received it, the agents keep denying the receipt and keep hindering my attempts to fix any and all attempts to resolve this drastic information leaks on the bureaus end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Delinquent account paid down in full to zero balance not updated on my credit report dropping my score from XXXX to XXXX barring me from getting loans for the company. Jeopardizing very large multi million dollar transactions. Truist bank.

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 2022-03-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 45 days, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.

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 2022-03-02 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
-- Sent email to Citizens Bank at XXXX " disputing a fraudulent credit card charge from " XXXX XXXX XXXX XXXX  on XX/XX/XXXX for {$52.00}. I never received any products from this company. Please remove this charge from my account. '' -- Also called and reported issue to XXXX on XX/XX/XXXX. Told by XXXX ( and repeatedly thereafter by Citizens Bank customer service agents ) that I did not need to pay disputed amount while disputed ; also told there was number to contact " disputes department '' and that I must wait for a call within 3-5 business days ; I have never received any such call. 
-- Thereafter, I kept receiving " interest charges '' because of the disputed amount, which still had not been removed. Called and spoke with agents including but not limited to XXXX on XX/XX/XXXX ; XXXX at on XX/XX/XXXX ; and XXXX on XX/XX/XXXX as well as his supervisor " XXXX '' ( in XXXX " contact center ; '' her supervisor identified as XXXX XXXX. Interest charge removed each and every time while amount remains " disputed. '' -- Emailed again on XX/XX/XXXX ; still no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: NJ

Complaint narrative:
My insurance company purchased an Windstorm insurance that no one told me I needed and I didn't purchased when I closed or before closing the house more than 18 month ago. 
I closed my house in XX/XX/XXXX and I was informed that I needed flood insurance and premium home insurance ( both I purchased before my closing day ) and I was very aware that I needed to keep both policy active but no one told or made me purchased an additional insurance for windstorms that cost more than {$4000.00} dollars extra that I can't afford. 
I was blindside by my insurance company with a policy backdated XX/XX/XXXX that cost {$4300.00} that I didn't even know I had or had to pay until XX/XX/XXXX. 
If I have known that I needed to pay over {$7000.00} in home insurance only annually I will have never closed with Crosscounty Mortage. I have asked around and no one I now in nj is been forced to get a Windstorm insurance by their lender must important part is that it wasn't a necessary when I closed this mortgage and no one told me about this {$4300.00} extra expense will be added almost 2 years later and why I'm I getting this notice more than 7 month later that the effective date. 

I can't afford and extra surprise insurance on top of my flood that is very expensive and my premium insurance, it feels like I encounter and issue with this mortgage company every other day.

Company response to consumer: Closed with non-monetary relief