vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: VA

Complaint narrative:
When paying a moving company they wanted to be paid using XXXX thru my bank, US Bank. Since US Bank 's website states " With US Bank and XXXX you can send or receive money safely and securely '' I felt comfortable with this. On XX/XX/20 I sent {$460.00} via my bank and XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The company confirmed receipt of the {$460.00} but never delivered the piano. They don't answer their phones. I filed a claim with US Bank and they denied it saying " the transaction posted as requested ''. The email used for the transfer was XXXX. Apparently XXXX does not offer fraud protection on transactions. 

Hopefully the info above is enough. Please contact me if more info is needed. I was not sure what category to report this under so hopefully this works. 

Thanks- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 2020-07-30 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: NY

Complaint narrative:
After numerous disputes with Experian, they still leave a fraudulent account on my credit report. I have been disputing for years and I am still puzzled at how they are verifying the information. XXXX and XXXX  has deleted the account from my consumer report, Experian has NOT provided me ANY documentation with my signature on it.

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 2020-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I have an existing mortgage with US Bank home mortgage ( based in Minnesota I believe ) and have been trying unsuccessfully for almost two weeks to get a payoff balance so I can extinguish the mortgage. Repeated phone calls get me passed from one person and department to another with no one able to provide me an amount or an address to send payment to. Promises of return information by email or phone have gone unfulfilled. Interest is continuing to accrue and I want to pay off this mortgage now.

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 2020-07-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: GA

Complaint narrative:
I have had my card for about 2 or 3 months now and no money has been sent to me yet.. I dont understand what Im doing wrong or even if Ive been approved yet.. I received an email saying that I was approved but I have yet to see any benefits.. I have a XXXX year old child and I am currently unemployed and really need some help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MT

Complaint narrative:
On XX/XX/2020 I submitted a request to purchase bitcoin in the amount of {$1400.00}, via Coinbase.com, which company is the subject of this complaint, with the funding coming from my XXXX  Savings account via ACH. 

Due to an error on my end, I accidentally had emptied that savings account, thinking Coinbase was drawing from the checking account that I maintain with XXXX  that was well-funded. Alas, Coinbase let me know of my error, saying that the ACH transfer failed. I checked XXXX, realized the problem, noted the {$35.00} fee that XXXX charged me for a failed ACH ( such is life ), moved money back into the savings account that more than covered the funding, and retried the transaction via Coinbase on XX/XX/XXXX. 

On XX/XX/XXXX, the ACH was processed and the funds moved from my savings account. 

Notably, feeling bullish on Bitcoin, as well on XX/XX/XXXX, I submitted ANOTHER separate transaction to Coinbase, withdrawing another {$1500.00} from that same XXXX savings account. That ACH was debited from my savings account on XX/XX/XXXX. 

Today, that second transaction has cleared and is available on my Coinbase account.

However, the original {$1400.00} is still unavailable, and still says I must wait 5 days to have access to it -- even though a transaction submitted a day later is already cleared, and the 5 days doesn't ever go down.

I've tried contacting support but Coinbase only has robots reading emails and sending back canned responses. They do not have real humans operating their support system, it seems -- they have no phone number, no email address, and their only contact form is a byzantine mess that is OBVIOUSLY created to ensure as few possible actual support requests from real customers get through as possible. You have to answer a bunch of questions just to get to the form, then they require precise, detailed data that they could easily look up themselves -- e.g., I need to provide the date of the transaction, the transaction ref #, my country of origin, the exact transaction amount, the transaction date, THE LAST 4 DIGITS OF THE BANK ACCOUNT USED, and other details, which details are all already in Coinbase 's computer systems. If you get any of these details even somewhat wrong, you are unable to submit the form. 

This is clearly anti-customer, anti-consumer, and possibly fraudulent as Coinbase 's  TOS describes their customer support systems, and there seem to be no actual humans involved, which seems fraudulent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mountain West Financial, LLC
State: CO

Complaint narrative:
Back in XX/XX/2020 my servicing provider changed and I sent a payment to the old provider and that payment was never applied. I have since been charged twolate fees in the amount of {$40.00} each and they refuse to credit me back even though the missed payment was their fault. As soon as I realized they did not properly credit the payment I sent to the previous provider I sent in an extra payment to make up for the missed one.  They still cant tell me what happened to the old payment and have not taken off the late fees either

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
I am a military vet. I've owned my home for 5 years and use Freedom Mortgage. I recently decided to refinance, lowering my intrest and term length. Freedom Mortgage contacted me to start this process. 

The initial processing went relatively smooth. People and loan officers contacted me and set everything up. 

I was told a mobile notary would need to come to my home to finalize the loan documents. We set up a date and time for that to happen. We selected the first date available and it was a 3 week wait. 

3 weeks later, on the date and set, noone shows up. We called the mobile notary company and they said they are waiting paperwork from Freedom Mortgage. 

Here is where my problem started. I've called Freedom Mortgage countless times. I've explained my issues to multiple people and multiple supervisors. Noone is helping me or contactimg me back. 

Everytime I talk to the refinance department they tell me a Supervisor will call me back. They do not and have yet to call me back. Everytime I ask to talk to a Supervisor, I am sent back into the regular queue and have to start the process over. 

The actions and treatment of Freedom Mortgage 's customer service and refinance department is unethecial at best. The employees lack of knowledge and inability to take action when helping a customer is astounding. Everytime I talk to them I wait on hold for at least 60+ min and make no progress no matter who I speak to. 

They should be ashamed and embarrassed of their customer service.

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 2020-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I changed insurance providers on XX/XX/XXXX. Amerihome was sent policy. I sent to emails to company notifying that insurance provider changed. I initiated refinance in XXXX and told loan officer of change. Slow process with long delays despite my constant calling the loan officer. Refi moved to processor. Constant delays with vague description. Closing set for XX/XX/XXXX. XX/XX/XXXX I received call from loan processing assistance telling me I did not have home owners insurance. Agent sent policy to person on XX/XX/XXXX. I can provide multiple times policy was sent to Amerihome. AND, if I had no insurance, I am confident Amerihome would have slapped a high cost policy on my home. Amerihome denies any communication about the change despite being told my previous policy was cancelled and they are holding escrow funds. They ignore my emails notifying of change. They say first they heard of change was XX/XX/XXXX. Still no insurance payment. Attempted multiple times to speak to someone in escalation but never get there. After hour long call, I was disconnected. I was promised if faxed this morning it would be updated and paid. I seriously doubt any promise since everything else I am told has not been accurate. I am sitting in my home with a cancelled insurance policy wanting to refi which was supposed to be so easy since it was with same company. I am so angry and frustrated that I can barely listen to one more person telling me there is no documentation in the file. I have been changed late payments waiting to close loan. I have tremendous anxiety that Amerihome is saying I have no insurance coverage. As I explained to last person today after more than a hour on hold and talking with customer service reps that do nothing but tell me to fax documentation. NO ONE IS LISTENING TO ME!!!! I have filed complaint with XXXX  and if I do not get action immediately, I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was reviewing my credit report on XX/XX/XXXX, from XXXX, when I came across my old account from Capital One ( Acct # XXXX ). Previously, I had a charge-off with them. My charged-off account was paid recently with them XXXX XX/XX/XXXX ). When I checked my report, I saw that Capital One has reported, since XX/XX/XXXX, a total of 55 CHARGE-OFFS. The account was charged off years ago ( Sometime around XXXX ) because the account was opened in XXXX. I only have one account with them. The account should have had one charge off from years ago ( XXXX ). I reached out to them ; no one answered my call to clarify or rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: AR

Complaint narrative:
I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$480.00} XXXX XXXX   XXXX XXXX {$560.00} XXXX XXXX XXXX {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: AR

Complaint narrative:
I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$480.00} XXXX XXXX   XXXX XXXX {$560.00} XXXX XXXX XXXX {$620.00}

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 2020-07-30 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: AR

Complaint narrative:
I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$480.00} XXXX XXXX   XXXX XXXX {$560.00} XXXX XXXX XXXX {$620.00}

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 2020-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
RE : Target Card Services Mail Stop XXXX XXXX  XXXX XXXX XXXX, MN XXXX I had a credit card through Target Card Services for several years. During the past year, the company has repeatedly either failed to send my billing statements on time, or has failed to send them at all. This lead to me having to make last-minute payments online more than once, simply because I had not received a bill. 

Last month, I canceled the account due to these ongoing billing problems. I paid the account off in full in the amount of {$58.00} via an online payment. Please note : I did not submit the payment to my bank. Target Card Services did. They submitted the payment incorrectly, and told me the payment had been " returned '' because my bank account could not be found. 

I submitted the payment again without updating any information. as all information was correct. They submitted the payment again, and the payment went through. 

I had to DEMAND that the account be canceled over the protests of some customer services person who tried to talk me out of it. I thought I was done with their errors. 

This morning, I received an email notice that they have billed me for a fee of some kind due to their own error in submitting my payment to my bank. While it ; s only a dollar, I see no reason I should have to pay them XXXX red cent for their own inability to submit the payment request correctly. 

Upon receipt of this notice, I contacted Target Card Services customer services at XXXX immediately, and was told they do not have the ability to remove the charge. 

I believe this charge is a scam, and that they have no right to charge me for their own errors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I submitted my third loan modification application with US Bank because they dropped me from their program due to saying that they didn't receive requested documents from me, but I did send these documents numerous times. I'm working with the US Attorney General 's office. I filed an appeal with US Banks advocacy center and was told that they would make a decision on my appeal by XX/XX/XXXX, but only received a letter stating that they received the new application for the loan modification program. I have been doing everything I can to save my house from foreclosure, but US Bank is not helping matters by refusing to accept the documents I've sent. Please help me with this matter if there's anything you can do to help me. 
Thank you, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX has posted a collection account onto my credit profile. I have no recollection of this bill. I am XXXX and on social security. I was denied an approval for a XXXX XXXX credit card because of this collection. I contacted the credit bureaus and disputed the account ; Experian, XXXX, and XXXX. Experian refuses to honor my numerous disputes with the aforementioned account. I am deeply disturbed and depressed by XXXX  XXXX 's and Experian 's action. Please see the item below : Account Info XXXX. XXXX, XXXX Account number- XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$860.00}

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 2020-07-30 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: KY

Complaint narrative:
I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$590.00} XXXX XXXX  XXXX {$170.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$82.00} XXXX XXXX {$220.00} XXXX XXXX XXXX {$940.00} XXXX XXXX   XXXX {$800.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$300.00} XXXX  XXXX XXXX {$1900.00} XXXX XXXX {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: KY

Complaint narrative:
I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$590.00} XXXX XXXX  XXXX {$170.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$82.00} XXXX XXXX {$220.00} XXXX XXXX XXXX {$940.00} XXXX XXXX   XXXX {$800.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$300.00} XXXX  XXXX XXXX {$1900.00} XXXX XXXX {$3900.00}

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 2020-07-30 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: KY

Complaint narrative:
I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$590.00} XXXX XXXX  XXXX {$170.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$82.00} XXXX XXXX {$220.00} XXXX XXXX  XXXX {$940.00} XXXX XXXX   XXXX {$800.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$300.00} XXXX  XXXX XXXX {$1900.00} XXXX XXXX {$3900.00}

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 2020-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: KY

Complaint narrative:
I mailed dispute letters to each bureau on XX/XX/2020, XX/XX/2020, XX/XX/2020 asking for factual evidence this was my debt. It was validated each time with no proof. I mailed direct letters to Sequium Assett Solutions on XX/XX/2020 and XX/XX/2020 for validation of debt and date of first delinquency verification. Neither letter was answered?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I purchased an expensive hair dryer from XXXX and moved from XXXX to XXXX  before it was delivered and I called them to cancel it. 
They did not cancel it and misdelivered it. I lived in XXXX in a locked building. They either left it in the streets of XXXX or gave to wrong person. Amex, through my dispute, stood by the merchant, XXXX, who only provided a generic record it was left at the building. 
I never received it and XXXX has no records of leaving it with me. They paid for cheap delivery where the subcontractors misdeliver or leave things on the sidewalk. My credit card did not protect me and took the money from my bank account.

Company response to consumer: Closed with explanation