vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have contacted my bank to stop payment from being taken by some lenders. The bank charged me {$33.00} for each lender. Now these lenders still take payments on the scheduled dates. I spoke to my bank to let them know that the payments are still being taken. The bank is now saying stop payment is not guaranteed and they can't do nothing about it. The bank never said that to me that stop payment is not guaranteed by charging me for each service. 
I tried seeking help from my bank but they'll not helping so I need you guys to step in. Thank you. 
XX/XX/2021 XX/XX/2021 Those are the dates the money was taken from 3 lenders Amounts : {$140.00} {$100.00} {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Have a loan with Wells Fargo in the past they added a insurance without my knowledge and repossessed my car they have a lawsuit filed against them where they have to pay all the damages happen to customer becoz of the repossession. 
I give them details of my damage - physically, financially, emotionally with the proof but they are not willing to pay what I m asking for what they are offering me is not fair.

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 2021-04-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On XXXX, 2021 weve made two payments on our mortgage to Nationstar XXXX DBA XXXX MR. Cooper. One via check USPS priority mail mailed on XX/XX/2021, is for XXXX payment the second payment dated via online portal XX/XX/2021 cleared paid on XX/XX/2021 and for XXXX payment. The Payment for XXXX, check # XXXX {$2700.00} via mail MR.Cooper did not apply it into our account until the month of XXXX, and the payment for XXXX {$2600.00} is reversed into our account instead. The XXXX payment is missing just disappeared. Weve learned about the missing payment we login into our account when we made a payment for XXXX, so now the XXXX payment went into XXXX payment because MR.Cooper is refusing to correct the error theyve made on our account. We called several times, fax, and mailed all the paper work from our bank account additionally we had a 3 way call with our bank and an agent name XXXX on XX/XX/2021. XXXX advice us that our account will be corrected by XX/XX/2021. He provided us a case number : XXXX we cant pay our XXXX payment until our account is corrected otherwise if we pay now it be applied to XXXX payment weve already paid XXXX payment. As of XX/XX/2021 our account are not corrected theyre giving us the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: SC

Complaint narrative:
XXXX XXXX and XXXX reported inaccurate information to experian which they used to decrease my credit score by nearly 40 points. Experience also had me sign yp for boost, then used it against me because they lost the connection to my back. They cited no report of payments while the connection was lost for more than 60 days. But I contacted them within 15 days of notice that the contact loss notification appeared on their website. When I could not reset it according to their instructions I called them to find out if this was a systems breach or scam. They did not fix the connection at the time and I could not fix it until about 10 days ago. By then XXXX  had scammed me and made 3 complaints which lowered my credit score. All in all experience and XXXX XXXX  don't show accurate depictions of my financial life

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 2021-04-24 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
On XXXX XXXX I filed a Better Business Beaure complaint against Navient who is currently stating on my credit report I was 90 days late in 2015 but only have XXXX marked which is only 30 days. When I called Navient, they have stated my account is Archived and that they no longer can pull up information on me. I am requesting that Navient remove this false information off my 3 credit reports please. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: IN

Complaint narrative:
I am in the process of buying a home. We are about to close next week. Out of the blue, a collection for a bill 2 years ago, is placed on my credit reports, in the amount of {$210.00}. This caused my score to drop XXXX points. The way they put it on there, damaged it extremely hard. I contacted the company as soon as I saw it, and settled the amount for {$150.00}. Its still on my credit reports. This may cause my mortgage approval to fall through, making me homeless. I have a family, and have no idea what to do. I was NEVER given a letter beforehand to dispute, or even see if the bill is accurate. Please help me. I need this off my credit reports now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: Radius Global Solutions LLC
State: SC

Complaint narrative:
Radius global and XXXX reported inaccurate information to experian which they used to decrease my credit score by nearly 40 points. Experience also had me sign yp for boost, then used it against me because they lost the connection to my back. They cited no report of payments while the connection was lost for more than 60 days. But I contacted them within 15 days of notice that the contact loss notification appeared on their website. When I could not reset it according to their instructions I called them to find out if this was a systems breach or scam. They did not fix the connection at the time and I could not fix it until about 10 days ago. By then global had scammed me and made 3 complaints which lowered my credit score. All in all experience and global radius don't show accurate depictions of my financial life

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 2021-04-24 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: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
XXXX XXXX and Santander reported inaccurate information to XXXX  which they used to decrease my credit score by nearly 40 points. Experience also had me sign yp for boost, then used it against me because they lost the connection to my back. They cited no report of payments while the connection was lost for more than 60 days. But I contacted them within 15 days of notice that the contact loss notification appeared on their website. When I could not reset it according to their instructions I called them to find out if this was a systems breach or scam. They did not fix the connection at the time and I could not fix it until about 10 days ago. By then XXXX had scammed me and made 3 complaints which lowered my credit score. All in all experience and XXXX XXXX  don't show accurate depictions of my financial life

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: VA

Complaint narrative:
got a letter in the mail stating i owed XXXX XXXX to XXXX XXXX 2 months ago, If this is for a auto loan the auto was surrendered to the bank in XXXX. I never received notice of any debt that was owed until XXXX. I sent Jefferson Capital Systems LLC Debt Validation Letter, they responded my sending me the same statement. they did not validate the debt or showed me any of the information i asked for stated in the letter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
On XX/XX/2021 my mortgage loan is being transferred to XXXX XXXX, a XXXX XXXX of Nationstar Mortgage, from XXXX XXXX Mortgage. On XX/XX/2021 I made my first payment on this loan and also included a principal curtailment of {$96.00} resulting in a new principal balance of {$200000.00}. When I received my first statement from XXXX XXXX they showed the transfer principal balance as {$200000.00} thus ignoring my curtailment made. I have contacted both XXXX XXXXr and XXXX about this issue and still have not received a resolution to this transfer error. My next payment is due on XX/XX/XXXX and I have informed them that I will not make it unless they correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: DISCOVER BANK
State: MD

Complaint narrative:
Scammer stole my card and bank information using my voice and phone number and email to respond to charges by agreeing to them. I now have to go through bankruptcy to cover the charges on my credit card and the loss of my XXXX I had in my XXXX XXXX accounts. I also had to pay back XXXX they took from my line of credit. XXXX only gave back XXXX, XXXX XXXX rejected the payments, but Discover Card never refunded me and refused to. They stated since 'I'agreed to the charges, there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Nationstar financial aka Mr. Cooper Mortgage company withdrew the entirety of my XXXX checking account. They took out our monthly mortgage six times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have this scam of inquiry on my credit report XXXX CREDIT/XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX No way to contact its just a scam I want this removed ASAP this is in accurate information and must be removed under the free credit reporting act Experian Response below clearly they have no intention in investigating. Because how can I contact creditor with the information they have listed. Please help CFPB In accordance with the Fair Credit Reporting Act, entities You will need to reach out to the creditor who pulled the inquiry in order to get more information about the inquiry and the manner by which it was requested. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXXXXXX XXXX XXXX XXXX TX XXXX For more information regarding your credit and answers to frequently asked questions, you may visit XXXX. Please note that you may submit your requests and/or documents supporting your claim electronically at XXXX. You may also visit Experians  dispute center at XXXXXXXX. Thank you for submitting your complaint through the CFPB Complaint PortaXXXX. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.

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 2021-04-24 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I had a fraudulent charge of {$370.00} to my credit card on XX/XX/2020. I told my bank that it was fraudulent and that someone probably stole my card information and they just completely ignored everything I was saying to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have submitted several dispute cases and several requests for reinvestigation with little progress in correcting inaccurate and fraudulent information on my Experian credit report. On XXXX I sent a signed 609 letter to Experian customer relations containing identity documents and items I was requesting investigation on and requesting that all documentation be requested from the reporting party and provided to me by mail or email. The timeline for Experian to at min acknowledge my letter was clearly stated as 30 days from the date the letter was received by Experian using regular mail. I received no acknowledgement, no documents and there was no change or indication anything had resulted from the letter on my credit report. Out of an abundance of caution and to ensure that Experian received my written request I sent a follow up letter that included with it the original letter sent XX/XX/2021 and identity documents. I stated in the follow letter that I would extend the deadline to be provided documentation for each item requested, however, once again I have had no response from Experian, received none of the documents requested from reporting companies and there has been no changes to my report that would indicate any action has been taken. This is all in clear violation of the Fair Credit and Reporting Act section 609.

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 2021-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: IL

Complaint narrative:
I used cash app to deposit {$29.00} into a different XXXX XXXX that I am a the account holder of. The funds should have been sent to my debit card. 

I used Cash App instant deposit which should have transferred the funds immediately. The funds never arrived/received by my bank. XXXX XXXX does not have the funds and has no record of receiving any funds and no funds are being held by XXXX. 

Cash App has refused to refund the missing deposit and/or provide me with a trace number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: NCB Management Services Inc.
State: GA

Complaint narrative:
I previously had a collection account with NCB management as a result from XXXX XXXX. The account was settled and paid in full in XX/XX/2020. I was told if I settled the account that the account would be removed from my credit report. It is still showing on my account but a XXXX balance. This is negatively impacting my credit score. I am respectful asking that this company honors the agreement and remove NCB management from all reporting Credit Bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
I have {$25000.00} in my Coinbase account. Someone hacked it and changed the email address. Coinbase doesnt have a phone number you can call. You can only email them. And since the scammers changed my email Coinbase wont exchange conversations with me because Im not emailing from the email address associated with the account. Im livid!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: TN

Complaint narrative:
My credit report decreased 30 points the month of XX/XX/XXXX due to my spouses open account balances being included on my credit report. 
Credit bureau representative stated account didnt exist on my credit reports and he would mail me proof. Also, my points have decreased tremendously since the beginning of XXXX for no logical explanation.

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 2021-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: MA

Complaint narrative:
I purchased XXXX on Binance using an ACH transfer of {$5000.00} from my Chase checking account, the transaction date I purchased on was XX/XX/21 and the date the money came out of my XXXX account was XX/XX/21. That being said there was a lockout period with Binance to be able to withdraw the XXXX cryptocurrency I purchased and I waited until the lockout period ended and attempted again, it still will not allow me to remove my XXXX to my personal wallet and there is no way to reach them other than via creating a ticket on their website. When you create a ticket they state they are busy handling tickets and not to contact them again, they will contact me ( in fact it states if I attempt to reach out a 2nd time they will move further back in line ), however they do not even give a timeframe or ETA as to when they will address my question and allow me access to MY funds. This has happened a few times with their platform where they withhold funds beyond the timeframe they state ( with multiple different error reasons coming up that do not make sense ) they are locking them and then do not respond appropriately to requests to fix the issue. I am very frustrated at this point. They received my ticket 4 days ago and have not responded ( support ticket # XXXX ). I would like these new platforms to be held accountable more an be required to do things within a certain timeframe, be required to have more than just an online ticket format to contact them, etc. It is a huge problem and I see multiple similar complaints on online forums I follow all the time where these companies are not being held accountable to their customers, yet are massively profiting off of the same customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
Summary : 1 ) Coinbase withdrew {$1000.00} worth of Ethereum coin without any notification and despite having remediated a bank transfer issue within requested time frame 2 ) After reporting the issue, Coinbase locked my account and has not responded for 5 days despite multiple email requests. Given the recent crypto currency market crash and the account lock preventing me from selling the crypto coins I have in my account, this has resulted in monetary damages Coinbase Case Number : # XXXX Details : 1 ) Initiated a deposit of {$1000.00} from my bank account to Coinbase Pro 2 ) Within minutes, I received an email from Coinbase that the transaction was cancelled by my bank and that I can re-try again 3 ) Within minutes, I've logged into my Coinbase account which has an additional message that I have 5 days to remediate the issue or Coinbase. I immediately re-initiated the transfer. Coinbase confirmed with an email that the " fund recovery '' was successfully. " We have successfully collected the funds from your recent failed transfer '' 4 ) However I noticed then that Coinbase has already withdrew {$1000.00} in Ethereum coin. Important to note here is that the Eutherum coin was purchased previous and NOT using the deposit from the failed bank transfer. In fact, the {$1000.00} USD in question was actually still untouched in my Coinbase account so if that transfer failed, Coinbase should have debited those {$1000.00}.

5 ) I emailed Coinbase ( there is no phone option ) and Coinbase responded that they've locked my account & requested that I update my password. Once complete I can email them to unlock the account.

6 ) I confirmed that I've completed the instruction and requested my account to be unlocked plus the {$1000.00} in Eutherum coin that was wrongly taken away to be re-deposited. I explained again that it does NOT appear to be a security breach to my account, as it appears to me that Coinbase withdrew the amount as the timestamp of the withdrawal matches with the failed bank transfer. 
7 ) Received an email " Having investigated the issue, we are working with a specialist to address it properly. We will follow-up with you as soon as we have an update. '' 8 ) To date, after 5 days, I have not received an update nor has my account being unlocked despite multiple email requests.

Company response to consumer: Closed with monetary relief