vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: PA

Complaint narrative:
To whom it may concern, I am writing you today as an aggrieved man. I applied for a secured DISCOVER card XX/XX/21 after seeing an advertisement on XXXX XXXX website. I was checking my credit scores and the ad popped saying I had a high chance of approval rating. I applied and got approved. I gave DISCOVER permission to debit my checking account for {$200.00} dollars as a deposit. DISCOVER withdrew the {$200.00}. I was contacted shortly after from DISCOVERS verification department. 

The representative wanted to verify I am who I say I am. I answered all the representatives questions and was verified. The representative advised me my secured DISCOVER card should arrive in a few days. I was then sent an email from DISCOVER card asking me to complete IRS consent form XXXX. I obliged and completed the form. Fast forward to XX/XX/21. I receive an email from DISCOVER card saying they closed my account effective immediately. DISCOVER is now claiming they could not verify personal information. 

I thought I was already verified multiple times. Didnt DISCOVERs representative advise me I was approved and verified? Didnt the representative advise me that my DISCOVERY card would arrive in a few days? What about my credit score? How is this going to affect my credit score? DISCOVER is also advising me they wont refund my {$200.00} deposit unless requested. Well, I am formally, requesting they refund my {$200.00} deposit post haste. Either by a deposit back into my checking account or if by check in overnight mail. 

I also request that the check be mailed to XXXX XXXXXXXX XXXX XXXXXXXX NJ XXXX. We have had mail stolen at my XXXX XXXX XXXX XXXX XXXX PA XXXX address. DISCOVER owes me a remedy for operating with bad business practices and truly in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Fifth third bank has added charges to the loan that do not seem fair. 
They have accessed late fees for no particular reason. They have given me credits and then reversed them for no particular reason. 
Online payments made on weekends are not credited until they create late payments on Monday. They make it very difficult to determine when timely payments have been made. Their phone agents are not well trained and can't answer questions. I believe there are thousands of dollars of unauthorized and unethical fees attached to my loan. When I question them, they do not give satifactory answers. Please investigate the entire history of my loan with them and force them to reverse the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CreditNinja Lending, LLC
State: UT

Complaint narrative:
Received collection notice on XX/XX/XXXX for a {$300.00} loan originating from KMD Partners LLC XXXX CreditNinja XX/XX/XXXX with a due date of XX/XX/XXXX. My identity must have been stolen to obtain this loan, since I personally had never applied for the loan or received any of the proceeds. Also, the collection notice was the first time that I was contacted or became aware of this issue. 
I contacted the collection agency, current creditor ( XXXX XXXX, XXXX, and KMD Partners regarding the issue and it appears that the issue is still unresolved.

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 2021-04-03 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: IA

Complaint narrative:
I sent a notarized Affidavit to Equifax via certified mail and have not been notified that a investigation has been started and or is in process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.

Complaint narrative:
On XXXX i tranfered XXXX euro 's to my Coinbase account. I got a notification saying i had to pay a XXXX cents with my new XXXX euro balance so i pressed proceed. Since then i can not do anything with my account. I keep getting the notification " Payment Pending, We are still waiting for funds from a recent payment. Your account will be restored as soon as we receive funds. '' I can't buy any crypto with the XXXX still in my account but i also can't wire the money back to my bankaccount since i keep getting the same 'payment pending ' notification. I send a email to Coinbase on the same day because payments normally go true in an hour or 2. I got a mail back on XXXX saying i had to wait 3-5 business days and if it hadn't by then i had to contact them again. I waited 5 business days and nothing happend so i again send an email to Coinbase on XXXX. I got an email back on the same day saying they where giving my case XXXX # XXXX XXXX to an expert. After waiting till XXXX i emailed them again asking for an update. I didn't get a respons so on XXXX i made a new case XXXX # XXXX XXXX asking if someone could help me cause everyone stopped reacting to my old case. I got no reply so i emailed them again on XXXX again asking for support. Again no reply. So i again made a new case XXXX # XXXX XXXX on XXXX and i got a reply on the same day saying they where again giving my case to a XXXX and it was going to take up to 5 business days. I didn't hear anything so i send another email on XXXXXXXX but i haven't heard anything and my account it still broken. 

As you can see it's been almost 6 weeks with loads of promises but no actions and i still to this day ( XXXX ) can not do anything with my funds ( XXXX ). I really hope you can help me with this case since i live in XXXX XXXX and XXXX has no office here so i really have no other choice. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XXXX I shared my concerns to CFPB about Synchrony Bank representing XXXX XXXX XXXX, having had substantially lowered my credit limit from {$700.00} to {$200.00}. Conclusion was to block my credit bureau records so that no tampering or unauthorized use would occur. However on XX/XX/XXXX, I received yet another notice from Synchrony Bank lowering my credit line to {$160.00}. While I recently filed a complaint to the corporate office of XXXX about another card and dissatisfaction of customer service handling, Synchrony Bank should have not lowered -- again -- my credit line. I have tried getting resolution favorable but to no avail ; and retaliation is my reward.

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 2021-04-03 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I sent a notarized Affidavit to Experian via certified mail and have not been notified that a investigation has been started and or is in process.

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 2021-04-03 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: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
This collection agency is reporting to all three bureaus ( XXXX XXXX XXXX XXXX XXXX on my consumer credit report that a debt is owed to them. The debt is entirely inaccurate and incomplete and as such, represents a very serious error. I have not received any communications regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation of the Fair Debt Collection Practices Act section 809. Their negligence has caused me distress and is hampering my ability to obtain credit and housing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have had a credirt card and did not receive my billfor at least one year, then it was placed in collections and I questined them. Their was an address issue, they did credit me interest charges for a year and I asked them because of their error to pay some of the principal balance. They rejected this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-03 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: IA

Complaint narrative:
I sent a notarized Affidavit to TransUnion via certified mail and have not been notified that a investigation has been started and or is in process.

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 2021-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: CA

Complaint narrative:
I have had my account set up on automatic bill pay through my bank XXXX  XXXX XXXX for over 2 years. My XXXX payment was processed and mailed to them by XX/XX/21 ( see attached ). 

On XX/XX/21 I called them because I could see that they had not processed my payment at that point. I told them my concern of being reported late on my credit report and charged a late fee. 

The person I talked to said that they were behind in processing payments due to the postal service. He assured me because of the delay in processing payments I would not be assessed a late fee. 

The check was finally processed on XX/XX/21 ( see attached ) and I incurred a late fee on the next statement and subsequently a late fee on the XXXX statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
Reference XXXX. You closed the complaint even though I told you I had not received a response. As of XX/XX/XXXX, I have not received a resolution letter from Nationstar ( DBA Mr Cooper ). They said they sent to me. Please send it to me directly. Given the overall lack of communication from Mr Cooper, I have zero trust that they sent a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I am submitting a complaint against Bank of America. This is regarding a XXXX XXXX and both my name and my husband 's name is on the account. 

I deposited XXXX checks simultaneously on XX/XX/XXXX, through online deposit. The majority of the checks since the account 's opening in begin XXXX have been deposited online. The XXXX checks were written by the same customer, and it was in exchange for painting services. The checks totalled {$10000.00}. 

The bank has decided to hold the checks for an investigation for XXXX  days, from XX/XX/XXXX to XX/XX/XXXX. This is the date that is reflected on the online banking. A representative I spoke with on the telephone on XX/XX/XXXX mentioned it could take up to 90 days. 

I called customer service twice on XX/XX/XXXX to talk about why the hold has been placed, and both times I had to wait about XXXX minutes before I was able to speak with somebody. The first customer representative I spoke with told me that he could not give any details about the hold. My husband went into the bank and was told the deposits were on hold for having a negative account balance. Online banking does not have a justification for the hold. 

The negative balance has been a direct result of hardships related to XXXX. The account currently has a negative balance of about - {$400.00}. In the past, it has gone down to about - {$2000.00}. The account experienced a negative balance only recently ( the past XXXXXXXX  months XXXX. Before that, the large majority of the time it had a positive balance. The negative balances have always been paid. The fees for the negative balances have always been paid. 

The account has never had a check deposited that resulted in it bouncing. Further, I have another account with Bank of America for over 15 years ; it has no history -- or if there exists a history it is very minimal -- of depositing checks that result in it bouncing. I have another business acount with Bank of America of about 3 years, also with no, or very minimal, history of depositing checks that result in it bouncing. 

We are running a XXXX, and we have XXXX  to pay. It is not only unreasonable to have to tell our workers to wait 11 days for their next paycheck, but it is embarassing. I can understand the investigation length if there was a history of bouncing checks ; but in this case, there is none. 

In a moment when the business is able to pull ahead of the XXXX hardships, I feel like Bank of America has pulled the business back and may potentially make the negative balance even worse. This is frustrating because we have the funds to cover upcoming costs -- we just can't access it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-03 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
This collection agency is reporting to all three bureaus ( XXXX XXXX  and XXXX  ) on my consumer credit report that a debt is owed to them. The debt is entirely inaccurate and incomplete and as such, represents a very serious error. I have not received any communications regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation of the Fair Debt Collection Practices Act section 809. Their negligence has caused me distress and is hampering my ability to obtain credit and housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
This collection agency is reporting to all three bureaus ( XXXX XXXX and XXXX  ) on my consumer credit report that a debt is owed to them. The debt is entirely inaccurate and incomplete and as such, represents a very serious error. I have not received any communications regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation of the Fair Debt Collection Practices Act section 809. Their negligence has caused me distress and is hampering my ability to obtain credit and housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: AR

Complaint narrative:
Coinbase unexpectedly sold XXXX dollars worth of my XXXX without notice or warning. The money is no where to be found and the support team has not resolved my case and it's been almost a 3 weeks. I did not authorized a sell transaction and there was no confirmation that this happened. Simply the funds are gone and I have no access to them. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: VA

Complaint narrative:
I was going over my credit report and there is XXXX XXXX XXXX which was opened on XX/XX/2018 and it is reporting as a negative account. I do not know this company. I have never done any business with them and they do not have a contract with my signature.

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 2021-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
In XXXX around XXXX, the pandemic began economic hardship so I checked on my loan to confirm it was done. XXXX confirmed no loan due and in good standing. Few months later XXXX contacted me about an outstanding balance and said if I only paid {$100.00} via phone they would waive balance. I asked if they were sure because account was cleared. I paid over phone. On XX/XX/XXXX I began receiving calls from a company named NCB and XXXX XXXX informed me that it had purchased debt from XXXX. I briefed him but had to let him go due to family deaths. A second call came but voice mail from NCB. Then XX/XX/XXXX XXXX XXXX of NCB Management Service called me about an alleged balance due of {$1700.00}. Informed her of facts and said I would complain to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank double charged a dispute from me after four months of investigation for the dispute. After calling their dispute apartment for several times, they always said : '' Please call us later to track investigation. '' They are stealing money! The details are below : 1. On XX/XX/XXXX, I paid XXXX {$660.00} I paid off the balance as the monthly payment so the balance becomes zero from {$660.00}. 

2. On XX/XX/XXXX, I requested dispute against XXXX for {$660.00} because I don't receive the service from them. Citibank gave a conditional credit so my card balance becomes - {$660.00} ( citibank owes me money ). 

I didn't draw the money and patiently waited for dispute result. 

3. On XX/XX/XXXX, I found the card balance becomes {$660.00} from - {$660.00} and the dispute case is marked as resolved!! How come I suddenly owe citibank money? Even if the dispute got rejected, the balance should become zero from XXXX ( conditional credit ). 

After calling them for many times, they still asked me to wait a bit as they are investigating.. So they double charged me XXXX, made it due in XXXX weeks, and then asked me to wait for months for investigation? It doesn't make sense at all. What a sketchy department!! Give me my money back pls : )

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 2021-04-03 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: VA

Complaint narrative:
I was going over my credit report and there is XXXX XXXX XXXX which was opened on XX/XX/2018 and it is reporting as a negative account. I do not know this company. I have never done any business with them and they do not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
Sometime during the late XXXX 's or early XXXX 's, I co-signed with an individual to purchase a vehicle in XXXX, SC. The vehicle was later repossessed and sold at auction. I have recently found that GMAC has recorded a judgment against me without a court hearing. A judgment can only be issued by a judge after a court hearing. How were they able to do this?

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