vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Good morning, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identitytheft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
This is in regards to Coinbase.com I paid a merchant in ethereum ( cryptocurrency ) and Coinbase claims that the transaction is awaiting network confirmations. It has been over one month since the transaction has cleared. They told me one week ago as of today that theyre working with a specialist on my case and since then I havent heard anything back. Ive sent them at least three emails since then and there hasnt been any response.

The ETH is still sitting in the wallet account that I sent it to, but the merchant cant access it, and neither can I. Coinbase refuses to act ( and wont respond to my emails ). Its honestly as if their customer service department is accountable to nobody.

I tried submitting a complaint, to no avail. I will likely have to take them to small claims court or something ...

Its honestly the worst customer service ever and Ive dealt with many companies ... none have ever had customer service this bad.

They dont even sign their emails with an actual name, which is extremely shady. I will update if and when this is resolved. Im beginning to lose faith that it will.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THE ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS AT THIS TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
They did it again. They fixed prior errors reporting me late, but I paid the mortgages off, so they had to do it again. Specialized Loan Servicing reported To XXXX : 30 day late for XX/XX/XXXX on 1st & 2nd Mortgages 30 day late for XX/XX/XXXX on 1st & 2nd Mortgages To XXXX  : 30 day late for XX/XX/XXXX on 1st & 2nd Mortgages. 

They keep defaming me & wrecking my credit again. This has been since XX/XX/XXXX. I respectfully DEMAND retractions from Specialized Loan Servicing for this abuse and deliberate harassment. I am a senior citizen & my husband is a veteran. 

Again : I have my receipts & their receipts, so what's their purpose. 

THEY NEED THEIR LICENSE REVOKED AND TO BE PUT OUT OF BUSINESS. 

They gave me an ulcer from all of this & cost us substantially financially just so they could keep charging extra fees ( stealing ; criminial conduct ) and trying to prevent us from refinancing. 

I have more supporting documents but your website would not allow me enough space. I will file a separate complaint with those docs

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XXXX XXXX my checking account was unlawfully and unauthorized hacked and {$3900.00} was taken without my consent i have contacted the navy Federal credit union immediately i filed fraudulently paperwork after 20 days of hearing nothing i filed an appeal i was told it was my fault that some one stole my money they would not insure my stolen funds i even filed a aa co police dept report on the theft and the terrible customer service i was given.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Hello. Last year I took advantage of an Amex promotion and upgraded my Amex Surpass card to an Amex XXXX card. Unfortunately, Amex chat gave me incorrect information and told me that I was ineligible for the promotion and therefore I downgraded. Since that time, I have learned Amex was involved in a misleading marketing campaign that has resulted in them honoring the same promotion for other account holders and sending them apology letters. In my instances, Amex has suggested they have been investigating what happened to my account for over 6 months yet have yet to offer up with any answers or solutions. I'd like to call this cover-up to the attention of the federal government. This could lead a person to think that Amex is discriminating against me for reporting their actions to CFPB. I have a perfect payment record with Amex and regret they treat me so callously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I called each company that had a hard inquiry on my credit report that I did not recognize on XX/XX/XXXX. 

All of the companies state that they did not have the authorization to run my credit on file and that authorization was with a car dealer that I had never heard of or spoken to. 

I called Experian on XX/XX/XXXX to dispute these inquiries and they told me that they do not dispute hard inquiries. 

I am requesting that CFPB require them to remove the unauthorized inquiries from the following companies on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  All Banks - non specific Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you in advance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
On XX/XX/XXXX, I opened a savings account with Citi Bank. I gave them {$10000.00}. They immediately took my money, then closed the account. The reason is because my mailing address could not be verified as residential. There are offices on the bottom floor, where I receive mail and 11 floors of residential apartments on the top. Citibank claims this is the address for XXXX XXXX XXXX, which is actually across the street, in a different building complex. 

This is fine. However, I want my money back. They have refused to give me my {$10000.00} back since then. They asked me to sign documents. I did that in XXXX, XXXX. I never received a check. They asked me to do it again in XXXX. I did. I called them. They said they would mail a check to me by XX/XX/XXXX. They did not. Every time I call them, they don't understand the situation and get the details wrong. Their call center people are not primary English speakers and reside somewhere in XXXX XXXX. I'm having a hard time getting my money back and am in financial straits. This is very much affecting my ability to pay rent and I am being charged late fees and interest and I had to withdraw $ XXXX from my Roth IRA, which Citi will not reimburse me the fees for. This has costed me a lot of money to deal with their mistakes. 

Also, I never once received an email or mail acknowledging that I have an account with them or that they took my {$10000.00}. To this day, I have no information about account with them, although when I call them, they see that they took my {$10000.00} on XXXX XXXX, XXXX. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: I.C. System, Inc.
State: DC

Complaint narrative:
Hello, IC SYSTEM, a Collection agency, did not contact me prior to submitting my information to Credit Bureau or to inform me of my account in their agency. 

I was not aware of the pending complaint until I received an alert from my credit bureau dated XX/XX/XXXX. I then proceeded to get the contact information from the credit bureau to be able to contact them. I called IC System on XX/XX/2021, and requested them to send the information on file. I finally received a Validation letter on XX/XX/2021. 

After several phone calls, I came to find out I was not aware and not informed of my collection status. 

The damage on my Credit report made me lose a position on the last process of hiring and also an opportunity to refinance my loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Good Afternoon, It is about PHH Mortgage, I have more than one year and 6 months to try to do a modification. From that time to now always i call once a week to the company plus I have appointment with the case manager. All the time PHH mortgage ask me for send papers. I did and expend a lot of money sent papers via fax because when I sent for email always told me the wasn't clear. Each time the I call the company XXXX every person says something different. For example, last XXXX  XX/XX/XXXX, I called and the person told me the my papers are completed and is in review, Today XXXX XXXX, I called again and then told me the my application is canceled because my application is not ready. Please, I hope to check my problem, If i lost my house is not for me it is for PHH mortgage the I think they want to me to loose my house and is my only place the i have. 
Thank you, I hope you can do something about this case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: Coinbase, Inc.
State: FL

Complaint narrative:
I am a loyal customer of Coinbase and referred several friends and family members to open a Coinbase account. On XX/XX/21 my Bank account had two charges from Coinbase which I did not make ( {$1000.00} and {$110.00} ). I contacted Coinbase to get an explanation for the two charges. Coinbase immediately suspended my account and assigned a Case # XXXX. After contacting Coinbase in efforts to change my password and regain access to my account. I received an automated email stating it normally takes 4-5 business days for a specialist to review my case, which this has been 15 days now with no response or update. Since then I have made repeated attempts to contact Coinbase with returning emails of any updates. I would like my case expedited and account re-opened since there was not a problem with my Coinbase account, it was charges on my Bank account from Coinbase. The account is in excess of {$300000.00} US and I have no access to verify my account balances. I will update what happens from here and timing to access my Coinbase account again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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:
I have security alert on my Experian since XX/XX/XXXX. 

XXXX pulled hard inquiry on my credit without authorization or approval. on XX/XX/XXXX XX/XX/XXXX I first call Experian IDworks asking about credit restoration service. My information was one of 100 million records experian leaked on line and this service was provided to me as compensation. They said I need to contact Exprian.com to get help on hard inquiry. 

XX/XX/XXXX Experian.com said they can not handle hard inquiry even if it is inaccurate. they told me I should place fraud alert. I told them I already have fraud alert. they told me to call XXXX XXXX XX/XX/XXXX XXXX XXXX  said they do not have record of me applying for credit, and since they don't have record they can not dispute it. 

No one want to take the action and Experian is not being responsible for inaccurate information on their own reporting. 

What is the point of fraud alert, and " premium '' paid membership if they don't do anything?

I want this incorrect information removed from 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 non-monetary relief
Consumer complaint received 2021-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
IM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THE ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS AT THIS TIME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
Hello, My name is XXXX XXXX and I have just recently opened up an personal account with Navy Federal Credit Union. 
I heard nothing but great things about Navy Federal CU until today XX/XX/XXXX @ XXXX. 
XXXX from personal account was very professional, helpful and courteous. He explained to me all the benefits of opening up an account with Navy Federal and transferred me to the XXXX Department. 
I spoke with a XXXX who asked me what type of business is XXXX XXXX XXXX and I told her we are XXXX XXXX XXXX XXXX XXXX and we offer our clients advice on XXXX XXXX XXXX XXXX XXXX, she then asked me about credit repair, I stated we hope to offer that down the line and she stated we can not open this account because of that and I stated I am not operating credit repair NOW, we are financial consultant and help individuals with different aspects of their financial plan, there is no way we are practicing or doing ANY type of credit repair. I then asked to speak with a supervisor by the name of XXXX who I believe to be very unprofessional, she came onto the phone chuckling which lead me to believe she was communicating with XXXX, XXXX did not provide me the opportunity to explain what my business is and just assumed because XXXX mentioned to me about credit repair that Credit repair is what I do and I do not operate nor have any clients at this time who I do credit repair, I stated maybe or possibly down the line I may consider but that was not good enough for Navy Federal and they refuse to open up my Business Acct. based on a possibility and that is not right, at this point XXXX was being very immature and would not provide me with further details of how I can remedy this issue, she was rude to the point I hung up on her ( I ask that you play the recording back to hear the conversation ), I then called back to speak to another supervisor by the name of XXXX who pretty much stated according to her documentation she is not able to open the account w/out giving me the details as to why. I directly told her that I am not operating XXXX XXXX XXXX business at all right now. I would like a call back from the XXXX, XXXX or someone who can assist me with this matter. 
Thank you, XXXX XXXX Acct. # XXXX My Business Name : XXXX XXXX XXXX Established in XXXX and Operating since XXXX We are Financial XXXX  who offer clients financial analysis of their finances. We consult on assets, expenses, income and help our clients create a financial plan to reach different types of goals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
IM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THE ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS AT THIS TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: GA

Complaint narrative:
IM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THE ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS AT THIS TIME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am filing this complain against BMO Harris Bank. I had a home mortgage with BMO Harris Bank that was paid off and closed in XXXX XXXX. I had a left over escrow money for about {$900.00} XXXX a little over {$900.00} ) after the payoff that was supposed to be refunded to me. They initially sent a check to a wrong address and the check was returned back to them. Since then I am unable to get my money from them. I have made neumorus phone calls to the back asking for money since XX/XX/2018 and still did not get it. Every time I called, I was told that they will mail me a form that needs to be notorized and sent back to them so that they can re-issue the check, but they never send the form. I have called them repeatedly in the last 2.5 years trying to get my money and they would not give it to me. So now I am filing this complaint against the bank so that I can get my money back. 
It has been two and a half years of repeatedly calling the bank and requesting my money, but they would not give it me. 
This bank has a very poor customer service. Rude and helpless representatives. Very long call wait time ( more than 30 minutes ) with no option for recieving a call back. Their mobile app doesn't work properly and most of it's functions do not function. 
It has been a long 2.5 years with them trying to get a hold of my money and still unable to

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fairway Collections, LLC
State: WA

Complaint narrative:
Hello on XX/XX/2020 Fairway collection debt collector, filed a writ of garnishment. Before the garnishment, my balance with them was around XXXX. My bank account was put on hold because of writ. Once I found out that they couldn't garnish my unemployment my only income. I filed a appeal the bank release my money. Now fairway wants me to pay for legal fees that makes a new balance of {$4500.00}. I feel that I shouldn't have to pay this amount for the mistake they made.

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