vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MO

Complaint narrative:
Coinbase locked our account several months ago after I initiated contact regarding a transaction. Coinbase refuses to unlock or restore the account. Multiple complaints with Coinbase have been initiated to no avail, including a formal complaint. The case numbers with Coinbase are XXXX, XXXX ( initiated in XX/XX/2020 XXXX, and XXXX ( formal complaint initiated in XX/XX/2020 ). Coinbase 's replies have been very delayed and largely consist of canned or form responses. Ultimately, in each case, Coinbase instructed that certain security steps should be taken and to let them know when we wanted the account restored. In fact, the formal complaint was unilaterally closed by Coinbase, against our will, with the " resolution '' being to take the same security steps that had been completed previously and to advise XXXX when ready to have the account restored. ( Side note : In an attached email regarding Formal Complaint XXXX, the Coinbase representative references an email of XX/XX/2020 and indicates the email included steps to have the account restored. No email was received on that date. Rather, an email was received on XX/XX/2020, the steps were completed, and Coinbase advised we were ready to have the account restored XXXX. Again, on several occasions the security steps were completed, all requests or instruction from Coinbase was followed, and Coinbase advised of readiness to have the account restored. Coinbase was further advised no transactions on the account were being disputed or being claimed as unauthorized. Despite full compliance with Coinbase 's instruction, the account remains locked. Of course, as the value of XXXX and other cryptocurrencies fluctuates, so does the account balance. This also makes immediate access to and control of the account that much more important as it could result in thousands of dollars in losses. The current account balance is approximately XXXX USD. 

Coinbase holds itself out as a secure and easy place for individuals to buy, sell, and manage a cryptocurrency portfolio. Giving Coinbase money might be easy. But by locking the account and refusing to restore access, Coinbase has wholly prevented the sale of cryptocurrency and withdrawal or use of account funds, let alone management a cryptocurrency portfolio. The result is no different than having money stolen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020, I sent letters to the corresponding major credit bureaus about inaccurate reporting false items on my credit report. It's been more than 60 and I haven't received a response from them yet. I feel like I'm being ignored of my disputes. These are deceptive practices by the bureaus.

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 2021-02-02 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: FIRST NATIONAL BANK OF PENNSYLVANIA
State: WV

Complaint narrative:
I have a renter that electronically transfers rent too my account. A mistake was made by her or her financial institute instead of transferring the money in it was withdraw from my account. There was never any permission given for this type of transfer from my account too this person account. My bank excepted this transfer even though this type of transfer was never granted. My renter notified me of some kind of problem ( thank goodness for an honest renter ) I immediately contacted my bank. This withdraw caused my account to go negative by hundreds of dollars prompting a {$37.00} Overdraft charge. 
I would think there would be safeguards set up too keep this stuff from not happen. I would believe this should have never been posted into my account being no authorization was given to transfer funds from my account. I have transfers set up too some of my other banks I have accounts with. I had too go through a rigorous process too do this. 
The compliant I have why can just anyone withdraw from my account. In today age there should be safeguards in place for this not too happen. As a financial institution I would be embarrassed that this even happen but they are not excepting any blame.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items within 30days fives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands

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 2021-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate information and unknown things on my credit report to this day it has been over 30 days and I have not received a response yet. I feel like Im being taking advantage of and being ignored of my disputes section 611 ( A ), it is plainly stated that a failure to investigate these issues within 30 days gives a reason to immediately remove those items from my credit report. They should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-02-02 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations RemoveXXXX XXXX XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit payment never late fcra RemoveXXXX XXXX XXXX  Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra see CFPB of the fcra violations RemoveXXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations see cfpb

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 2021-02-02 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations RemoveXXXX XXXX XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit payment never late fcra RemoveXXXX XXXX XXXX  Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra see CFPB of the fcra violations RemoveXXXX  Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations see cfpb

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Recently I contacted Capital One ( CO ) for a retailers, XXXX ( XXXX ) failure to credit my account XXXX after months of promising to do so. ( I had returned items within 7 days, following XXXX instructions to the letter. ) CO did remove the charges only to replace charges back on within a couple of weeks. When I called to inquire, CO, informed me, XXXX stated that had not recieved items ( which were 5 sanitizers ) and I would need to show proof that I had returned. I let them know, this was the 1st I had heard of this, since XXXX had not answered any of my emails. However, I did send a copy of the XXXX label showing date, address, time & DELIVERED seal to both CO & to XXXX. 

As weeks went by and nothing happened, I called CO and was now being told the proof they requested was not sufficient and they now needed to speak with someone at XXXX ( even though they took no initiative to contact anyone at XXXX ). I t found this to be absurd and requested a supervisior. I spoke with 2, and was told the same ridiculous thing. 

I sent an email to the CEO office making him aware of situation and how disappointed I was to know that someone could be out of hundreds or even thousands of dollars based on an employees incompetency and offering PROOF is not sufficent for CO. 

In the mean time I did recieve an email from XXXX letting me know they did have their merchandise and I would be recieving my refund. 

The same day I got the email, a person, from the ceo 's office called and basically said too bad for me, I wouldn't be getting my money back. That is not verbatim, nonetheless, she could not have been having a very good day as she wasn't good at faking being very nice, I didn't let her bother too bad because I had an email stating otherwise. 

I sent in additional information and uploaded more documents a few weeks ago and no one at CO has had the courtesy or decency to even respond I have recieved several email from XXXX and I have gotten quite ugly with them. Now I find out it is CO blocking them! 

I Pay CO. I Pay ontime. I Pay above and beyond. 

This is DISTURBING! The treatment I'm recieving is unacceptable. 

XXXX has their merchandise back! CO has MY MONEY!! I have Nothing but stress compliments of CAPITAL ONE!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
Got a loan through XXXX and my servicing company was The Money Source. Beginning loan balance was {$230000.00}. Made two principal payments. One of {$1400.00} and the other of {$1600.00} leaving a {$220000.00} balance. When the account was transfer over to my new servicing company- XXXX Bank XXXX The money source transferred a balance of {$230000.00}. Ive called the money source multiple times for the last weeks and all theyve said is that theyre working on my request. Im getting charged interest on an almost {$3000.00} principal balance that Ive paid and my money is no where to be found.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is an incorrect name and address listed on my credit reports. I have tried to dispute these to have them removed but for whatever reason they continue to report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02 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: CORELOGIC INC
State: FL

Complaint narrative:
On XX/XX/21 I got an alert on my credit report for a company called CREDCO did an inquiry on my credit report. I have never heard of this company nor did I authorize. I called them and representative XXXX said she didnt see anything in her system under my name and social security number as to why it would be on there. This company is fraudulently gathering credit inquiries.

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 2021-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Balance went down for a month, they charged me 3 times. Called multiple times never got back to me. Also said they will refund but never did. They stated some bogus FDIC regulation DD, which states nothing about charging 3 times for one month drop of minimum balance.

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 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
Like many individuals and families in the country, I have been struggling to make on time mortgage payments. This has been even more challenging during the COVID-19 pandemic.

My mortgage lender, mr. cooper, is offering a Pandemic Forbearance Plan with a key benefit being no late fees or penalties will be applied. 
I have requested of mr. cooper that I be allowed to enter the Plan retroactively for prior months in 2020 to have late fees and penalties removed for the months that I struggled to make the mortgage payments on time but made them nonetheless. 
I was advised by mr. cooper representatives that this is not allowed and they offered no other assistance. 
I am not aware that my request, albeit outside of the standard applicant request, is not allowed as mr. cooper has advised.

Is this denial of my request and their refusal to provide relief of any sort in compliance with the CARES Act?

The mr. cooper representative, in a final statement of insult, suggested that I should have known about the plan sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I requested Mortgage Forbearance XXXX XXXX to provide time to adjust to changes with income. On XX/XX/XXXX, I requested the forbearance be removed. Somehow XXXX is stating I re-requested an active forbearance. This is inaccurate, XXXX XXXX advised I would need to make three payments to reinstate my loan prior to any modification. I began making payments in XX/XX/XXXX and through XX/XX/XXXX. In XXXX, I met the requirements for modification. XXXX dispatched a title company 30 days later on XXXX to sign paperwork. In XX/XX/XXXX I began calling XXXX XXXX, requesting an update after I noticed my XXXX payment was not applied to my mortgage and placed in a suspension account. I requested my credit report be updated. XXXX is reporting NR XXXX XXXX. I made payments in XX/XX/XXXX and XXXX. The reporting is making it appear I have not made any payments for 9 months ; furthermore l, have a hardship. My report also has a notation that I am making a partial payment agreement. I escalated to the XXXX XXXX Executive Team and have provided them 14 business days to correct the information. I would like the comments on my report updated to paying as agreed. I never paid partial payments. I deferred three payments to the end of my loan. In addition paid 8 additional payments since loan origination. Because I set up bi-weekly payments. I would also like the months I made payments to reflect those. 
It was my understanding the forbearance would not reflect poorly. If I new it would take 6 months to reinstate / modify my loan I would have repaid the suspended payments. This information was not discussed as we are all in uncharted times. I was working with my financial institution on a new loan and their underwriting flagged the non reporting mortgage payments.

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 2021-02-02 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: CITIBANK, N.A.
State: CA

Complaint narrative:
After reviewing my XXXX Credit Report, on XX/XX/XXXX I realized then that I had been a victim of the Identity Theft. I did not apply for a Citi Cards CBNA Credit Card Loan. The account had to be fraudulently opened on XX/XX/XXXX. I suspect the perpetrator had forged my signature and used my personal and confidential information. 
I filed the Identity Theft report with the Federal Trade Commission XXXX FTC ) Identity Theft Bureau and reported the identity theft to the XXXX XXXX Sheriff Office XXXX XXXX XXXX. I have swiftly complied when Citi Cards CBNA representatives when asked for information. I have provided my email address, proof of identity, telephone number and home mailing address. I have provided carbonless check stubs that were fraudulently made out to Citi Cards. I have provided samples of the suspected perpetrator signature and location of the same. 
I have sent Citi Cards CBNA Services three letters requesting information pursuant to section 609 ( e ) of the Fair Credit Reporting Act. ( 15 U.S.C. 1681g ), California Financial Code sections 4002 and 22470, Civil Code section 1748.95 and Penal Code 530.8. Also included in the three letters I had provided the following : FTC Cover letter, FTC Identity Theft Report, proof of my identity, FTC Notice to Furnishers of Information, XXXX  Victim release form titled Identity Theft Victims Request for Fraudulent Transaction/Account Information ( Form A ), XXXX XXXX Sheriff Incident Report, and a separate document ( Attachment A ), detailing requested information on the fraudulent account. 
After 30 days, Citi Cards CBNA had only sent statements dating back to XXXX of XXXX but no documents dating back to XX/XX/XXXX or anything with my signature. On XX/XX/XXXX the Citi Bank representative informs me that Citi Bank CBNA can not give me the signed application. Citi Customer Services has ignored my three requests for documents and refuses to make reference to the XXXX  criminal case number in any correspondence they have generated. Citi Bank Services refuses to comply with the request for information that I am lawfully in my right to request.

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 2021-02-02 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
they give me hard time to give me a card b/c someone used my name they are rude

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc.
State: TN

Complaint narrative:
Choice Recovery services filed a notification with the credit bureaus indicated I owed a debt to XXXX XXXX XXXX  This negatively impacted by credit status by nearly 100 points. 

1. The debt was false - I did not owe XXXX XXXX XXXX. 
2. Choice recovery services refused to remove the debt from my name and update the credit bureaus, nor did the check with XXXX to verify the debt. 
3. I contacted XXXX, who verified the debt was false and was not owed to them. 
4. I contacted the Credit Bureaus and Choice Recovery rejected my dispute indicating it was still correct. 
5. I contacted XXXX again, they contacted Choice Recovery to have to the collection removed. 
6. Choice responded by saying that the debt had been paid as of XX/XX/2021 - they did not indicate that they had made a false report to the credit bureau, and my credit rating is still negatively impacted. 
7. Spoke with Choice again today, and they said the only thing they can/will do is notify that bureaus that the debt has been satisfied.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2021 i sent in letters regarding inaccurate reporting false items on my credit report and i have not received a response yet i feel like im being ignored of my disputes. This deceptive practices by the bureaus.

Company response to consumer: Closed with explanation