vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I was contacted on XXXX XXXX, by coinbase that my ID had been verified. Followed by am email stating I violated rules. Between the 2 services, coinbase and there pro site I had crypto currency. They kicked me off the platform to a page to withdraw funds, but the holdings from coinbase pro were missing. Sent string of emails trying to recover, which in turn launched there own investigation. All the coins appeared in the section where you 2 step verify and send out the coins. When I try. It says coinbase support has it locked. There not answering any inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
dispute # 1 : There is an inquiry on my Equifax credit report from XXXX home furniture inquiry date XXXX. I did not inquire anything from XXXX this was done fraudulently against my knowledge and my consent I did not sign for any of this Dispute # 2 : XXXX  inquiry date XXXX XXXX XXXX XXXX XXXX. This inquiry also is fraudulent as I did not inquire anything from XXXX XXXX XXXX this was done fraudulently against my knowledge and consent I did not sign for this this has already been removed from my XXXX consumer report deleted from my XXXX consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: HW Holding, Inc
State: SC

Complaint narrative:
Hunter Warfield Inc add a derogatory mark on my credit report per XXXX XXXX. upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. also, there was No written form communication, contract, or signature for this accused debt at all. a bill without a signature does not validate the debt and anyone can send a bill and say its mines. according to the FCRA, Hunter Warfield Inc has violated my rights as a consumer and im requesting legal action to remove this account immediately.

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 2021-04-16 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: FL

Complaint narrative:
Hey Good evening, So I recently check my credit from experian.com and i notice a few fraudulent accounts on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC 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 2021-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: River City Mortgage LLC
State: PA

Complaint narrative:
My complaint is specifically about false advertising. 

An unsolicited offer was mailed to us by River City Mortgage for an APPRAISAL FREE REFI for which they indicated " our home has met the requirements. '' Upon inquiring about the refinance and speaking with the loan official, we were told that the Appraisal Free is NOT provided in our area. Clearly a " bait and switch ''. 

We did not proceed with the refinance due to this. 

I have the offer which includes the specific reference number for an APPRAISAL FREE REFI, and indication of New property value estimate of {$310000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
This issue has been going on since XX/XX/2020 and nobody is helping me! Hyundai is clearly reporting this account inaccurately and after their computer generated investigation is stating that it is reporting accurately. This account is supposed to be CLOSED with no recent missed payments. XXXX has it as open with one recent missed payment and XXXX has it as closed with no recent missed payments. Hyundai is claiming they investigated and is accurate when my credit report clearly shows the inaccurate reporting! Attached is Copy from my credit report, Hyundai response saying its reporting accurate. This is a serious issue and hurting my credit rating and causing me to be denied credit! I need someone to reinvestigate this account immediately!

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 2021-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
During the month of XXXX I received an auto loan extension and was advised that the payment would be moved to the end of my loan and I would not be reported to the credit bureau. I was reported late and have been trying for over a month to get my credit fixed with the company. I keep getting the run around and mean while my credit has taken a hit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
This is a Neiman Marcus store card held through CapitalOne Bank XXXXXXXX XXXX. The account is only a few years old. In 2017 I was behind on the monthly payment and CapitalOne would not assist in bringing account current so have late fees and compounding interest. As a result, over 24-months, I have paid {$15000.00} in interest and fees to CapitalOne Bank against a {$20000.00} Neiman Marcus store account ( principal amount owed to NM is unchanged ). Even after I closed my XXXX and wired CapitalOne the money, the bank did not help. Once current, I can afford the XXXX XXXX monthly payment. Again, today, I requested help to bring the account current and was told that no help is available. Even after I explained that I had income loss, they did not assist. Each time I sacrifice, CapitalOne pockets the money. There must be an agreement that can be reached to that I can continue to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
Hello, I'm XXXX XXXXXXXX XXXXXXXX XXXX XXXX  of XXXX XXXX XXXX XXXX XXXX in the state of Georgia, USA. 

Our congregation supports missionaries across different countries in XXXX XXXX, through our support we help them meet their financial needs. So far we have a list of almost 20 people that we are currently supporting, sometimes we even send money for special projects or unexpected needs such as : family deaths, travel, surgeries and education expenses. 

In response to the continuous block of our accounts and transactions, I have submitted the documents requested to Western Union and I keep being blocked from sending money transfers. I have requested the reinstatement form and submitted a bank statement to Western Union On XXXX XXXX, 2021, at XXXX XXXX and XXXX, XXXXXXXX XXXX XXXX at XXXX XXXX XXXX. and I have not received a response. 

Today XX/XX/2021 I called western union to request a refund that one of our receivers claimed and they do not want to pay. 

This is the money transfer details. 
XX/XX/2021 XXXXXXXX XXXX XXXXXXXX XXXX XXXX # ( XXXX  ) : XXXX XXXX XXXX I hope we can clear this out ASAP. Our people is in need of our support and we have encountered many problems with your service resulting in significant delays. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Cardmember Services XXXXXXXX XXXX XXXXXXXX XXXX, DE XXXX XXXX : JPMCB CARD # XXXX Previous credit limit : $ XXXXCurrent credit limit : {$13000.00} On XX/XX/XXXX, 2021Chase credit card reduced my credit limit for no reason. They send me an email stating : Previous credit limit : $ XXXXCurrent credit limit : {$13000.00}. I have tried to call them to find out they this action happened. They only tell me to ask for a credit line increase. My current credit score is XXXX, so I know that they want increase my credit line. 

I do not have any late payments or any over the credit limit with this bank. Chase has not responded to nay letters about this problem. My credit score has been damaged because of this action. 

I have made ever effort to work with Chase concerning this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: WV

Complaint narrative:
My issue is with Binance.US. This company has issues with ACH transfers. I tried completing several ACH transfers but they were immediately being marked failed with no money added to my wallet. It appears they have disabled my account with no notifications letting me know why or whats going on. It appears they are sending failed transfers through and not marking the correct purchases successful. I have screenshots showing all of my purchases made as well as bank statements showing how much has come out of my account. I have now given/ had money removed from my accounts amounting to over {$800.00} but I have only purchased {$790.00} of the XXXX i hold. I can not get a reply from Binance US and this appears to be happening to a lot of other users. I just want credited for everything I have given, and to be acknowledged with this issue. This is a broker and I have lost a lot of potential gains as a result of their inefficiencies. I need real help. 
ticket # XXXX this is just one of many tickets I have submitted. I have waited 2 weeks between tickets with no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: FL

Complaint narrative:
Hey Good evening, So I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the equifax breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
the mortgage company has not been applying my payments to my mortgage and has not responded to me or my attorney for a year we have called e-mailed and sent letters as well as money no response and according to my bank the certified checks have been cashed but does not show the funds anywhere on my statements.the mortgage company took over XX/XX/2020 my second payment to them was XX/XX/2020 i made payment they did not show the payment in my statement and could not get a hold of them so my attorney told me to hold payments in escrow which i did after six months of reaching out to the lender to rectify this issue we were no where so the attorney drafted a letter and we specified the payments going to the lender we sent about XXXX dollars the cashed it and nothing reflecting on mortgage they have destroyed my credit which has affected my business and every other aspect of my life

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: NJ

Complaint narrative:
I purchased a stroller from XXXX on XX/XX/2020. Immediately upon receipt of my purchase, I noticed upon opening the package, not only that its not what I ordered, but that it was used and dirty. I contacted XXXX to let them know of what had occurred and was told by an XXXX representative to return the item with a pre-paid shipping label that they were sending me. I sent the item back through XXXX on XX/XX/2020. Tracking ( XXXX ) showed that the item was delivered to XXXX on XX/XX/2020. Weeks went by and I never received a refund. I then started calling XXXX to try to find out what was going on. First they would tell me that they havent received the item, even though tracking showed it was delivered and then they were saying that what they received is not what I purchased. I told them that I know, and that is why I am returning it. Long story short, I was unsuccessful trying to get a refund through XXXX. I then disputed with my credit card company ( Discover ) and initially was told that they ruled in my favor and then a few weeks later they reversed the credit and I am again being charged for something that first, I received the wrong item and second, I no longer even have in my possession as I returned it to XXXX. I ended up disputing twice through Discover and was not successful. They are asking me for the original XXXX label which I dont have and XXXX can not provide, as so much time has elapsed. I provided as proof, the email from XXXX customer service telling me to return the item back to them, an email showing my return summary from XXXX, the XXXX drop-off label showing I dropped the item off at the UPS Store and a XXXX tracking receipt showing the item was delivered. Still none of this is good enough for them. I am now accruing interest on these charges and Discover is unwilling to help me further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: VW Credit
State: FL

Complaint narrative:
My car was repossessed and the remaining balance is wrong. I had a trade in when I leased this vehicle. Which was valued at XXXX and my loan was for XXXX, now its showing XXXX on my report. They repossessed my car on XX/XX/2021. I also was unable to make payments on the car due to child support issues. They would not work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On or about XX/XX/2021 I filed a dispute with the credit bureaus ( Equifax and XXXX ). I know that the law states that the creditors have 30-45 days to respond to any disputes. XXXX XXXX did not respond to either bureau. I would like for the credit bureaus to remove this information from my report in a timely manner. They have not done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
We were trying to refinance our house to get a lower rate, lower payment, and move over to a conventional loan from a FHA loan. We were quickly told to send our deposit of {$500.00} with the understating that our payment would be almost a {$100.00} dollars less and XXXX XXXX XXXX XXXX XXXX # XXXX at Quicken Loans XXXX NMLS # XXXX made it sound like it was a great deal. They originally thought that out house would appraise for {$110000.00} and that they could not get us into a conventional loan, once the appraisal came back for {$140000.00} higher than they anticipated they never re-evaluated for a conventional loan and were trying to force us into another FHA loan. I feel that they were very misleading in the numbers that they were giving us and hard to work with. When I reached out to them to get our deposit money back they refused, we only gave the deposit with the understanding that we were going to get a better deal than what we had. They had our closing cost at more than what we originally paid on the house. We would like to get our deposit of {$500.00} back and additional {$1000.00} due to lost wages and the XXXX that this caused on a state XXXX XXXX XXXX. XXXX had to take time off of work for the appraisal and all the times that he had to talk to XXXX XXXX XXXX XXXX XXXX # XXXX at Quicken Loans XXXX NMLS # XXXX and the time that it took to get the paperwork that they needed. Quicken Loans made us rush to do everything to make it seem like it was a good deal and then without letting us know would change numbers and not call to discuss anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
i noticed on XXXX of XXXX a late payment on my credit report, when I contact Nissan Motor Corporation customer service that I never got a bill or statement the representative confirmed with me that their it was a mistake in the system and the bills was sent to a wrong address - XXXX XXXX XXXX when in fact my address is XXXX XXXX XXXX and the representative fixed the mistake, since then my payments were all in time. The time of my call to Nissan Motor Corporation was on XXXX XXXX, XXXX. 
please check your notes on your system and you will see the record of my call conversation, I confirmed the above again on XX/XX/XXXX of XXXX with representative # XXXX and she also saw the notes on the system. She advised me I should send in all this information to their credit department to investigate the issue and remove the late payment from XX/XX/XXXX since the bill was sent to wrong address. i send a letter to XXXX credit department on XXXX XXXX XXXX and XXXX didn't respond to my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Smart Money Alliance
State: CO

Complaint narrative:
I entered the Smart Money Alliance XX/XX/XXXX. A week later I was assigned a mentor a week later charged XXXX  dollars on a free program. Then hit with a non compliance law suit for XXXX Called the company with zero response When the document stated call within 24 hrs ... .called and called. They replied via email stating they were going to proceed with a small claims court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: MD

Complaint narrative:
As of XX/XX/XXXX PNC HAS NOT UPDATED MY BALANCE CORRECTLY. My account number is XXXX. I've longed complained for the sum of 3 months about my ledger balance. PNC 's algorithm hasn't been updating correctly. My ledger balance is not updating correctly which is causing overdraft fees and misappropriated funds. XX/XX/XXXX i was granted a covid relied fund totaling the amount XXXX and XX/XX/XXXX my payroll deposit went in in the amount XXXX the morning of XX/XX/XXXX my account was overdrawn XXXX by no cause of my own. My total spending did not exceed the amount of available funds. I contact pnc 's escalations team about the missing Money in my account in the latter of XXXX XXXX .The account escalations rep XXXX XXXX XXXX XXXX XXXX, of whom I've yet to have a conversation with about the account however she has noted the account as if the bank has no wrong doing. PNC sent me a email stating my account was overdrawn for 12 days in the amount of XXXX since XX/XX/XXXX, i emailed XXXX XXXX my receipt for that day and the copied email stating the system is no calculating the account activity correctly. i also visited the branch in XXXX Maryland and spoke with a XXXX XXXX XXXX about this and although he was polite he referred me back to XXXX XXXX. I can't prove yet it appears someone employed is preying on lowered income peoples accounts.

Company response to consumer: Closed with explanation