vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Coinbase, Inc.
State: CO

Complaint narrative:
I am complaining today about the Coinbase Debit Card. On XX/XX/19 I had a charge declined for my gym ( " XXXX XXXX XXXX XXXX XXXX '' which is XXXX XXXX XXXX ). The charge was declined and my card was temporarily suspended due to suspicious activity. I have tried to get the card reinstated with various telephone calls and emails. All my cases are closed and I am told that that they will not reopen my card. 

In their last email to me they said " We acknowledge that you may be wondering why your card was blocked or which transaction violated the agreement, but we are unable to provide any information due to security concerns. '' However, under their terms and conditions, outlined below, they should tell me why this happened. 

Found under Section 1.18.7. 

" If Card Transactions, your Card use and/or any or all Coinbase Services are restricted, suspended or terminated in this way, we will ( unless it would be unlawful for us to do so ), provide you with notice of our actions and the reasons for refusal, restriction, suspension, or termination where appropriate, with the procedure for correcting any factual errors that led to the refusal, suspension or termination. '' I did not violate any of their agreements. The XXXX charge seems to have triggered something to cause my account to be blocked. I would very much appreciate my card being reactivated and am only appealing to the CFPB as a last resort after exhausting all other options. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: NC

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
Dated XX/XX/2022 I received an annual escrow statement from PHH mortgage regarding a shortage in my escrow account, a normal occurrence. At no point on this form from PHH mortgage was there an option, or a statement as such, that I have the legal right to pay that shortage in its entirety up front, I was only given the notice that my monthly payment would go up by double the shortage for the next 12 months. They are required to give me this option and they did not, and such they should be investigated and fined for misleading the public and misrepresenting the rights the consumer has.

I called PHH mortgage and was 'escalated " who stated they are in complete compliance with RESPA, which they are not. The form they send out for an escrow shortage is required to have the option to pay the shortage in its entirety and offer a paystub to do just that. 

I also requested a servicing transfer which they immediately denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BofA Mortgage Mistake Mortgage Account # XXXX - I have asked BofA for this due to their mistakes. They are non responsive and their departments are not communicating with XXXX another, they are ruining my credit and they are incorrect. I'd like them to do all of the following and correct their mistakes. 

( 1 ) Please send me a letter reversing the credit bureau delinquency as it is incorrect and all of the notes in the BofA system will show this ( 2 ) I had a deferral which ended in XX/XX/2021, 5 payments have been made since then which indicates the account is in good standing ( XXXX, XXXX, XXXX, XXXX, XXXX have been paid ) -- this too is in the notes and when and if " someone '' looked into this they'd realize the account discrepancy. The deferral was due to end XXXX, I was told to pay XX/XX/2021 payment then I was told it was extended into XXXX and XXXX payment would push to XXXX by CRM 's at BofA. 
( 3 ) PLEASE immediately correct these mistakes as all of my credit card companies are reducing my limits due to BofA 's mistakes...

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 2022-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I mailed a personal check for $ XXXXfrom my Truist account to our contractor, XXXX  XXXX XXXX XXXX XXXX XX/XX/2022, at the XXXX XXXX XXXX XXXX GA ) post office. The check never arrived to the contractors office so I checked my account on-line to find that the check had been stolen and cashed by XXXX XXXX XXXXXXXX XXXX This name was handwritten on the check over the " erased '' payee to whom I wrote the check. I contacted Truist immediately and a fraud claim was issued. I have the claim number if you need it. That was issued on XX/XX/2022. Since that time, I have contacted Trusit several times to find that no one has yet looked at my claim. This morning was the last time I called them. I am now in need of help dealing with this bank. 
I have also filed a report with the 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 2022-04-26 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
At the start of the pandemic in 2020, I was laid off and unable to make credit card payments, car notes, rent, etc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reached out to the company a few months ago, alerting them of my situation about how Ive had my account for many years and never missed a payment up to this date except for the missed payments at the pandemic 's beginning. Once I recovered, I paid all my debts and stayed on top of my bills. Its coming up on two years of on-time payments. I contacted the company asking if they could remove the late payments from my credit report because they happened a few months before the company offered the option to defer payments They said no. That is the only reason I was able not to miss any more payments was because of that option until I recovered and found work and paid my debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
We have applied for a car loan for a used truck the last place we went to explained That the banks don't want to give loans to people who collect social security pensions or work for XXXX  because they are not allowed to attach a judgment againt there checks this is discrimination 100 % so no senior or anyone o. Social security can get a car because if they fall into a hard time again they can't collect the money so make seniors and disabled people walk everywhere

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: IL

Complaint narrative:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: IL

Complaint narrative:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
After repeated marketing calls, I submitted an application for a HELOC on XX/XX/21. On each call I stressed the importance of turnaround time ( they had quoted me XXXX weeks ) and what it was going to be used for- a kitchen and bath renovation which was to commence in XXXX ( this is all on a recorded line ) .They sent out an appraiser in late XXXX/early XXXX and told me that they wouldn't be able to lend until renovations were complete. With supply chain back-up probably won't be until XXXX at this point. They cited underwriting reasons. When I inquired as to what specifically, they said they would need an operating kitchen and bathroom. We have XXXX bathrooms, only one being renovated. Additionally we have a kitchenette with microwave/refrigerator/air fryer/sink etc. I raised it up a level at BOA ( couldn't get past the supervisor XXXX XXXX ). They sent out an appraiser a second time and verified bathroom/kitchenette ... .told me in XXXX that I would need to reapply once complete. I had divulged every step of the way the renovation/timeline ( it's on the recordings ). I had relied on them. It was way late in the process to spring this on me.Apparently the underwriter failed to read the notes in the file. In XXXX, they told me that I would need to re-apply. I told that that was unreasonable since bills would come due well before then and it would be another XXXX weeks as well as being too late to apply to another bank with similar turnaround times. In early XXXX they said they would keep it open another 30 days and revisit at that time. In the meantime, I received a letter stating that they declined my application for " underwriting reasons ''. I otherwise qualify. I immediately called BOA and now they will not return my call. 
I feel manipulated and deceived. As a BOA " preferred customer '', I was heavily marketed. I fully disclosed every step of the way what the loan was for and the timeframe as to when I needed funds and when construction would commence. 
Now, I'm in a bind. I need to deplete retirement accounts with heavy tax implications. 
Had they told me at the start, or even early on that they were unable to do it, I could have moved on to another bank. However, I relied on their good faith in representations made to me. I will pay the price for their ineptitude. 
Alternatively, I'm not certain if they were trying to " jam '' me into a construction loan, which would require a total refi... .which is a totally reprehensible tactic.

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 2022-04-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-26 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: PA

Complaint narrative:
This complaint is in regards to unauthorized, fraudulent credit inquiries. The issue was already addressed with the particular company, and because there was no credit extended, there is nothing that they can do and that my concerns need to be taken up with the credit bureaus. The response that was provided from Equifax with regards to '' access to records '' being factual, is erroneous. The records are not facts and in fact " Fraudulent "! Their explanation gave no indication that there was an attempt to address this issue and did not provide an adequate solution for this particular situation. 

Equifax was sent drivers license, social security card, Several FTC reports, as well as instructions on removing unauthorized inquiries from my report several times. Several times the above documents were sent and are on file with Equifax. It was explained that I was a victim of Identity theft, my personal information was exposed in an " EQUIFAX " data breach as well as other data breaches and an income tax was filed without my knowledge. A XXXX police report was filed. Every time I attempt to reach someone with regards to deleting the inquiries a representative responds that its nothing that can be done because all deleted inquiries are handled in a back office and there is no contact info available for, " THE BACK OFFICE ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I've submitted a dispute XX/XX/22 stating that I had inaccurate items and addresses that I needed to be removed from my report based off the information was inaccurate. I disputed several times about the same issue and company refuse to send me data or a letter what documents was reviewed never received a copy of the certified investigation. I asked them to provide a copy of all information from the furnisher. All this I was asking for is my right according to FCRA. 
Accounts : XXXX XXXX  XXXX {$720.00} XXXX XXXX  XXXX {$1500.00} *same account numbers Address XXXX XXXX XXXX XXXX IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX ( same Address ) * 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 non-monetary relief
Consumer complaint received 2022-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
XXXX. XXXX XXXX XXXX dated XX/XX/22 for XXXX XXXX which I never applied for, requesting copy of front and back side of DL, SS card, utility bill or bank statement.

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 2022-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
They have late payments from kohls credit card for 30 day late But its wrong and account is paid in full Never been late. I call customer service and they remove later fees and refund them to me as payment they get from me not adding to my account correctly

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 2022-04-26 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: EQUIFAX, INC.
State: MD

Complaint narrative:
They have late payments from XXXX  credit card for 30 day late But its wrong and account is paid in full Never been late. I call customer service and they remove later fees and refund them to me as payment they get from me not adding to my account correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
They have late payments from kohls credit card for 30 day late But its wrong and account is paid in full Never been late. I call customer service and they remove later fees and refund them to me as payment they get from me not adding to my account correctly

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 2022-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Looked over my credit a found credit cards Ive never seen, used or even opened. I even seen addresses that I never lived at also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: NC

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: NC

Complaint narrative:
I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-04-26 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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