vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase.com advertises the ability to earn rewards for staking XXXX. all one needs to do is meet the requirements and hold at least 1 full XXXX  coin in their account. the account is supposed to receive ~6 % annual interest on your holdings delivered every three days. 

i have received no rewards after 60 days and holding over 700 XXXX  coins in this account. after contacting coinbase they can not describe why they are not giving me my money, simply floundering to find an excuse. i meet every requirement they set and have double checked every setting and there is still nothing. they are using my stake and keeping the rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
My name is XXXX XXXX XXXX and my wife 's name is XXXX XXXX. On XX/XX/2019, we applied for a refinance with Lakeview Loan ServicingXXXX XXXX XXXX, on our existing mortgage with XXXX XXXX XXXX XX/XX/XXXX. The amount of the loan applied for was originally for {$320000.00}. The process took 4 months for us to get Final Approval and the Loan Processor even asked us on when we want to close. I have sent emails and made telephone calls since, as to the status of the closing. The answer I was given was that there needs to be some updates made. Today, XX/XX/XXXX, after demanding for an explanation and answer on what's holding up the closing, I was told that we can not go forward with the closing because of how the loan was structured. I can't understand why we were told that the loan has been approved and ready to close as early as XX/XX/2019. My complaint is that why we were made to understand that the loan will close when in fact, there were some issues that need to be addressed that we were not aware of. I will forward the stream of emails between XXXX XXXX XXXX ( on behalf of Lakeview Loan Servicing ) and ourselves. The persons that I had communications with are : XXXX XXXX XXXX at Lakeview Loan Servicing, and XXXX XXXX at : Lakeview Loan Servicing. I hope this will merit your kind attention. Respectfully yours, 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 2020-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hi my name is XXXX I have debt thats from 10 years ago from a bank and I keep receiving calls as well as all my family threatening me to take me to court and even arrest me if I dont pay amount in full by certain day. The person calling me claimed to be an attorney after first answering the phone saying he was the person all the mail got back to, so Im worried and uncomfortable with this situation. The number to the people threatening me is ( 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 2020-01-08 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: Credit Plus Inc
State: IL

Complaint narrative:
I have requested a copy of the document I signed giving them the right to check my Credit.  They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: FC HoldCo LLC
State: IL

Complaint narrative:
I have requested a copy of the document I signed giving them the right to check my Credit.  They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit

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 2020-01-08 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit

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 2020-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX says I opened some account XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$1300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ XXXX  Monthly Payment {$1300.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$1300.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX C XX/XX/XXXX C XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have no clue I have no personal loans I have no student loans.

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 2020-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
The student loan servicer, Navient did not inform me of the proper steps and necessary processes to set up PSLF correctly. In particular, they pushed me to take forbearance rather than use income-driven repayment ( like REPAYE ) and likely have a payment of {$0.00} -- that's XXXX DOLLARS! -- per month based on my income and *still* have that count as a qualifying PSLF payment. They did not explain this adequately and clearly with respect to the fact that this payment plan could've lowered my monthly payment to {$0.00} for several years based on my household income. 

Due to the lack of explanation by Navient, who has a responsibility to properly educate their customers on their options and the consequences thereof, my husband and I will likely have to keep paying on my loans when they should be forgiven in accordance with the 10-year timeframe of PSLF. I believe most of my loan sequences ought to be forgiven by this year. Due to Navient 's error, I will have to keep paying despite my years of exemplary service to the public as a XXXX XXXX. 

Moreover, I have been trying for a long time now to see the notes from my own record with Navient. This request has been repeatedly refused by Navient. I should be able to access my own record to review my interactions with this company. 

In addition, due to the fact that they did not mention the need for consolidation of some of my loans for PSLF, I did not start the PSLF process for some loans until later than I would have if I had proper and complete information. 

Finally, with respect to Navient steering me toward forbearance, while it may be easier for the company in terms of paperwork, it capitalizes interest and INCREASES my total debt. As a result of Navient 's predatory practices, I have been harmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Deposit today at Citibank personal check form XXXX amount of $ XXXX. After deposit was done they informed that funds will be available in 7 days. See attach

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 2020-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have transferred {$8000.00} to my other bank account in XXXX on XX/XX/XXXX. According to bank of America 's online transfer receipt, the money will be available on XX/XX/XXXX. It is 10 days after my transfer, and the money is still not available at my XXXX bank account. The associate banker at bank of America did try to help me, but they just provide various numbers for me to call. I still didn't receive the transfer at my other bank. I begin to doubt if the transfer is successful as bank of America claimed.

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 monetary relief
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
Every day for the past two months this company calls me at least six times a day day or night different numbers same company the amount overdue is {$60.00} Ive talk to these people Ive even told them to stop calling now I just block the numbers and dont answer nothing works they just called me from a new number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
I have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: MECHANICS BANK
State: IL

Complaint narrative:
I have requested a copy of the document I signed giving them the right to check my Credit.  They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I recently discovered that I can have a freeze placed on my credit for free. I have gone to the major credit reporting agencies to do that. On Equifax 's website, I have to create an account before I can place a freeze electronically ( there's no way I'm giving my social security number over the phone and I'm definitely not printing it off and sending it through the mail service ). In order to create an account with Equifax, I have to agree to their terms of service, which, besides potentially changing at any time, require that I agree to Equifax selling my personal information ( see here : https : //www.equifax.com/terms/myequifaxterms/ ). This is not acceptable. Legally, Equifax is required to allow my to place a freeze electronically without charging me, correct? While not asking explicitly for legal tender, requiring me to allow them to sell my personal information is a cost to me and I believe violates my right to a free credit freeze. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Syncb / TJX XXXX XXXX opened : XXXX Amount : {$1800.00} Account opened fraudulently I have personally contacted this company listed and filed police and identity theft reports showing that I no longer nor was I living at the address that they have listed at the time that this fraud occurred furthermore my phone number and other information that they have does not match my information. These items are currently reporting to the XXXX and XXXX Credit bureaus and I would like them removed.

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 2020-01-08 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: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
on XX/XX/XXXX I received a letter from the Superior Court of New Jersey stating that Portfolio Recovery Associates LLC from was suing me for {$2000.00}. I have no clue who this company is. 

On XX/XX/XXXX I sent via certified mail with return receipt to Portfolio Recovery Associates and The Superior Court of NJ : I included my answer in response to the law suit, along with a request for the debt to be validated pursuant to the Fair Debt Collection Practices Act 15 USC 1692g Sec 809 ( 8 ) ( FDCPA ) I asked for them to provide me a copy of my  signature on a contract or document that holds me responsible for the alleged debt. As well as asked them to send me proof that they are licensed to collect a debt in my state. 

In response to a previous request for validation, I received a letter dated XX/XX/XXXX In which Portfolio Recovery sent a letter from XXXX XXXX saying the above debt had been sold to Portfolio Recovery Associates on XX/XX/XXXX. I then received a letter dated XX/XX/XXXX which was a bill. Most recently on XX/XX/XXXX I received the same letter from Portfolio Recovery which included the letter from XXXX XXXX saying that the debt had been sold to Portfolio Recovery AssociateXXXX on XX/XX/XXXX. They did not provide a contract with my signature or anything else requested above. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts that they are trying to collect on or post on a credit report. They have not shown any proof and this is why I am filing a complaint against them for failing to follow the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 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: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit

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 2020-01-08 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: GA

Complaint narrative:
I would like to get a reprint of the investigation on XX/XX/2019 please and thanx.

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 2020-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I previously notified you that I am a victim of identity theft, and Equifax responded that they verified that fraudulent items belong to me. How is this possible? I would like to know how a fraudulent account can be verified, and when and how was it verified?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-01-08 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: Credit Plus Inc
State: IL

Complaint narrative:
I have requested a copy of the document I signed giving them the right to check my Credit. They have  refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
I purchased a Cashiers Check ( check # XXXX AMOUNT {$3200.00} ) on XX/XX/19, but the Payee lost the check. I immediately contacted US Bank and requested a stop payment be placed on the cashiers check to prevent any one finding it & cashing it. US Bank advised me that it is their policy to wait 90 days before putting a stop payment. I am very worried that someone will find the check and I will be a victim of fraud. I believe that US Bank should immediately stop payment to prevent that from happening. I do not know why they would risk a check being cashed by the wrong person for 90 days. They also said that they would not be able to reissue the check for 90 days. This causes a financial hardship bc I need that money sooner than 3 months.

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 2020-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
regions took money out of my savings after a fraud to re coop the difference What law lets you do that? 
that's is an unlawful act

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 2020-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1100.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief