vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I have been using Coinbase since 2017 and all of a sudden it required me to do the ID verification again. Followed the instructions and upload my diver license two weeks ago, but the account is still locked with a message : " Account under review Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or two to check your status. '' I filed a support case with ID # XXXX, but Coinbase closed this case without resolving my issue. 

I have money left in this account, but I can't do anything about it, since it's pending review. 

I wrote down my experience on XXXX, and there are many other customers are suffering from the same scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: AZ

Complaint narrative:
The company Americollect is trying to collect a debt on behalf of XXXX XXXX XXXX. The debt has been paid to XXXX XXXX XXXX. I sent XXXX, XXXX, XXXX the bill and proof of payment. When I dispute the charges on my credit report, within 12 hour they send a message back saying " we have investigated and the results found are accurate ''. Americollect has the incorrect balance and it is paid, Americollct is upset because the bill was paid to XXXX XXXX, and they are not willing to accept that I paid XXXX XXXX XXXX before the collection was placed. Americollect is stating a price of XXXX ( that is their own inflated price ) and the bill is XXXX and the bill payment is complete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
NY and CO charged me a late fee after my payment posted to my account. They refuse even to the CFPB to the CFPB during a pandemic and will not help me. They are being rude and callous and I would like assistance in getting this late fee refunded. I have asked nicely and no one will help me, and can not believe a bank that I have done business with can treat its customers in this manner and will not refund a {$24.00} late fee that they imposed on my account AFTER my balance was at {$0.00}. There is a global pandemic going on, mail has been missing and late- and I NEVER received a statement and paid my account in full, and was not late in making my payment. It was posted and cleared my bank in the window. This is so troublesome that this bank is committing fraud during a pandemic and refuses to refund or waive an erroneous late fee on a {$0.00} account. 

If they do not help me I will be forced to escalate this case with all documents of not receiving statement and the pandemic to other federal agencies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent in letters to dispute these inquiries and they remain. I didnt ok them and they should be 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 2021-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 

Accounts Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX - Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice.

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 2021-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 

Accounts Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX - Account : XXXX XXXX : XXXX XXXX XXXX- Account : XXXX XXXX : XXXX/XXXX XXXX- Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Genesis Credit management claims that I owe {$260.00} due to a broken lease. After contacting them they asked me to provide them with a copy of my resident lease during the period of the broken lease. I complied, sent them my present lease for the last 3 years along with a copy of the police report yet they refuse to delete the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because the credit bureaus has ignored my request that my privacy has been breached under 15 USC 1681a ( 2 ) ( B ). They do not have my written consent or verbal consent to have my information on their website and that they have failed to comply to my " Affidavit of Truth '' with their own Affidavit, since they have failed to answer my affidavit with their own affidavit point by point my " Affidavit of Truth '' stands as truth, and that an affidavit can only be answered by an affidavit. I am asking that they delete all information that are in violation of my rights as a federally Protected consumer under title 15 chapter 41. Please resolve this manner as soon as possible. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have a credit card with Amazon, Synchrony Bank. Starting from XXXX, 2020, Synchrony has continualy not posted the amount of payment that I have sent in. The minimum amount is {$28.00}, I have sent in Five payments of {$50.00} and they continue not to indicate this on their statments. Now if my calculations are correct I have paid them {$250.00} towards what I own the bank. You can not talk to any one about this problem because no one at the place that I make the call understands English. I have repeated ask for help in this regard and have not been able to get any. I want to see every payment that I have made on the statment that they send me. As of now they can not do this so I do not know how much I do own them. When I do get a statement one month I will own {$170.00} and the next month {$220.00}. I want, Like I stated to have a statment that shows how much I have payed, the month that I payed it and the balance. Synchrony Back is earther trying to steal or they are totaly incompetent on how to run a banking system. I want to hear from someone from the bank that speaks English and for them to send me a comlet and accurate statement!!. I am being forced to send in another {$50.00} so I will not any late charge, this is so stupid, I want this Bank instructed to fix their statment system! The last stat ment that I received showed only one {$50.00} Payment. I whant tis fixed ASAP. 
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 2021-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: OH

Complaint narrative:
I just discovered that in 2020, US Bank charged me 17 overdraft fees, {$36.00} each, totaling {$610.00} dollars. Sometimes they charged me over {$100.00} a day just in overdraft fees. I never approved " overdraft protection '' and am concerned that they tricked me into it during a sales call. I'm a senior citizen and my husband died of XXXX this year. I had lots of calls to try and sort out what to do now, and I'm hoping that they didn't switch it then. I tried to call US Bank and was given the run-around. I asked my son-in-law to help me turn off the fees, and he's trying to help since the company won't.

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 2021-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
Escrow is always short and i have added thousands to it and mortgage payment keeps you going up. My payment went from XXXX to XXXX. My taxes went up to XXXX XXXX from XXXX but after continuing adding money my payments continued to rise. I have a 30 yrs fixed mortgage. So why has it changed is the question I would like answered and why am I always short in my escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. The Medical/Health account reporting is a violation of HIPPA privacy laws as well. 
Accounts Rentdebt Autom Balance {$3200.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$530.00} Original Creditor : XXXX XXXX XXXX XXXXBalance {$100.00} Original Creditor : XXXX XXXX XXXX XXXXBalance {$130.00} Original Creditor : XXXX XXXX XXXX XXXXBalance {$210.00} Original Creditor : XXXX XXXX XXXX XXXX ... Balance {$280.00} Original Creditor : XXXX XXXX XXXX XXXX ... Balance {$220.00} Original Creditor : XXXX XXXX XXXX XXXX  ... Balance {$1300.00} Original Creditor : XXXX XXXX XXXX XXXX # XXXX Balance {$200.00} REMOVE UNAUTHORIZED Inquiries attached to this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. The Medical/Health account reporting is a violation of HIPPA privacy laws as well. 
Accounts : XXXX XXXX Balance {$3200.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$530.00} Original Creditor : XXXX XXXX XXXX XXXXBalance {$100.00} Original Creditor : XXXX XXXX XXXX XXXXBalance {$130.00} Original Creditor : XXXX XXXX XXXX XXXXBalance {$210.00} Original Creditor : XXXX XXXX XXXX XXXX  ... Balance {$280.00} Original Creditor : XXXX XXXX XXXX XXXX ... Balance {$220.00} Original Creditor : XXXX XXXX XXXX XXXX  ... Balance {$1300.00} Original Creditor : XXXX XXXX XXXX XXXX # XXXX Balance {$200.00} REMOVE UNAUTHORIZED Inquiries attached to this notice.

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 2021-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My funds are being held by capital one and they make unauthorized withdrawals to my account.. i have more than {$500.00} in my account but i recently checked i only have {$100.00} and they arent allowing me to remove or close my acount i keep trying to call them but they dont care about me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
AN ACCOUNT WAS OPENED ON XXXX OF 2017 WITHOUT MY AUTHORIZATION. THE AMOUNT SHOWN IS {$1000.00} DOLLARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
ON XXXX OF 2017 AN CAPITAL ONE CARD WAS OPENED WITHOUT MY AUTHORIZATION. THE TOTAL AMOUNT IS FOR {$1000.00} DOLLARS. I PERSONALLY HAVE EVER OPENED AN ACCOUNT WITH THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have contact the companies & credit reporting agency, Equifax to remove the fraudulent hard inquiries from my credit report on XX/XX/XXXX. I have yet to see any changes made to my credit report as in today. I have reached out many times but yet no changes have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
Dear National Recovery Agency / NRA ; I'm a little confused about a collection of {$280.00} reporting on my credit report dated XX/XX/2017. I've attempted several times in the past to get to the bottom of this but for some reason, my request has been blatantly ignored by everyone there and the credit bureaus. They failed to perform a thorough investigation into my request and but however, continues to report this account in violations of my rights such as fcra, fdcpa, etc. It was my understanding that a collection account is by default late and past due and it can not be reported as such ; and if it does, its in violation of my rights and it's causing this account to illegally re-aged. 

I honestly do not believe to ever have any relationship with this collection agency or original creditor. Again, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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