vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
I received an email from Fortiva in response to a secure message that I sent and was told to call in to speak with someone, so I did. I called in and was cut off, interrupted and eventually hung up on when I asked for a supervisor. The rep name was XXXX XXXX. I called back and that was also useless. This company is a joke. They do not help with anything and the language barrier does not help. Instead of trying to understand my concern both agents just got louder and was just loud and wrong! I even called back and requested a supervisor and was told that one was not available! What a complete JOKE!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of america has stolen money from my account. i have gone to the ATM and had a hold on my account with out my knowledge. on the morning of XX/XX/21 my wife tried to pull out {$700.00} for my rent. That is when the problem occurred the ATM never released my money. The {$700.00} was Still taken from my account. Bank said not to worry for they will be refunding the money in 24 Hrs. They never did i put the depute for the transaction they didn't pay due to the fact the employee put the claim wrong. He said ATM was broken that is why i was claiming the money. I never said it was broken they sent a tech guy to check ATM it worked fine. So they wouldn't approve the claim. I resubmitted the claim the declined it a 2nd time due to the first claim. Asked for ATM footage of ATM they wont give it to me unless i get a court order for the footage. i have filed police report faxed it to the cooperate fraud department. They still declined to send footage or reimburse my money that was taken from my account. The next part is from the XXXX app Have an identity theft problem from the bank app XXXX. it is a payday loan app they got hacked and leaked my identity online so people have used my bank account and debit card from the information they leaked. I told bank of america about this and the fraud i have seen on my account. They stated to me it was all my fault that my money was stolen from my account they are not legally responsible for my money and will not refund or reimburse my fraud claims for transactions or ATM. I filed a new police report for the identity theft. I keep trying to refile claims to recoup my loses but bank is not willing to pay me even with all my evidence that i have. i need to sew them to get my money. I don't have the financial means to proceed to the court due to health as well. XXXX bank app case number for the identity leak is CASE # XXXX and CASE # XXXX. Police report # for the fraud on account is XXXX officer XXXX XXXX  pd ca

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 2021-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Good afternoon, I am forced to file a complaint against SunTrust /Truist ; XXXX XXXX because I was denied removal of the PMI from my mortgage. Once I realized my payoff had dropped below 78 % of the original loan amount and that the PMI had not been automatically removed. I currently stand at 76.6 % of the original loan. 
On XX/XX/2021 I sent a fax to the SunTrust 's PMI department concerning this issue. 
On XX/XX/2021 I contacted SunTrust by phone and spoke with a representative. I was informed that the request to have my PMI had been denied and that I was sent a letter concerning same. I informed the rep at that time that I had not received a response and I requested that she email the letter to me ; which she did. 
According to the date of the letter, SunTrust responded on XX/XX/XXXX with a denial letter. 
The reason I was given as to why my claim was denied was " because they had no way of discovering the value of my property ''. However the denial letter suggest that i purchase a BPO which was not a guarantee that my PMI would be removed. 
It was revealed that SunTrust representative, XXXX XXXX, was responsible for denying the PMI removal request. My request to speak with Ms. XXXX was met with " There is no way for you to contact her ". This culminates into what we are corresponding about today. My only recourse was to file this complaint in hopes that your office could compel them to adhere to Federal Law. 

Thank you for your time and attention. 

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 2021-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
transunion continues to report inaccurate information from merchants and medical and also XXXXXXXX XXXX XXXX  according to them they verified this inaccurate information, at this point i feel like transunion is conspiring with merchants and medical and XXXXXXXX XXXX XXXX to defraud me. please help me this matter

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 2021-10-27 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: OH

Complaint narrative:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax60 days ago. I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: AL

Complaint narrative:
I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

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 2021-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I have an FHA loan through Bank of America. 
In XX/XX/XXXX, I filed for chapter XXXX bankruptcy. ( XXXX XXXX XXXX XX/XX/XXXX ) In XX/XX/XXXX, I was laid off due to Covid-19. ( See separation letter on company letterhead ) In XX/XX/XXXX, I requested Bank of America for forbearance due to hardships caused by Covid-19 and the inability to pay my mortgage. Bank of America did not respond or comply ( SEE CFPB case history ) In XX/XX/XXXXof XX/XX/XXXX, Bank of America filed a request from automatic stay to the Chapter XXXX bankruptcy trustee, which was granted. ( XX/XX/XXXX ) In XX/XX/XXXX, Bank of America put my mortgage into foreclosure. ( SEE CFPB case history ) In XX/XX/XXXX, Bank of America began reporting my mortgage past due to the credit bureaus. ( SEE CFPB case history ) In XXXX, I again asked for mortgage forbearance. Bank of America said they could not speak to me. ( SEE CFPB case history )

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 2021-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cornerstone Holdings, Inc.
State: AK

Complaint narrative:
XXXX XXXX XXXX was the place I went a few years back after a XXXX XXXX XXXX XXXX, for XXXX XXXX. I got a lawyer, XXXX XXXX XXXX, and they said " this was never found in the discovery period. ". I have TRIED to pay this to XXXX XXXX XXXX, but their phones are off and business closed! There is no way to contact them. So they, without notice, sent me to a collection agency of Cornerstone credit services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Several unauthorized charges. My card was cloned. Several charges with same time stamp at 2 different locations. Capital one will not issue refunds back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: MN

Complaint narrative:
I received my Escrow analysis for the year in early XXXX. I noticed right away my monthly payment went up XXXX dollars a month and we had no idea why. So after further review, I noticed that Arvest had double payed our home owners insurance. I called on XX/XX/XXXX to get this fixed and they assured me they would correct it. When I logged in XX/XX/XXXX to see if this had been fix, it had not. In the mean time, we had received a refund from our wonderful insurance company for the second payment. So I called Arvest to speak to someone. They said they had canceled the re-analysis of the escrow/mortgage after they noticed the over payment. But this did not fix the problem in our mortgage going up XXXX dollars a month. They then said they would complete the re-analysis and it would be corrected for XXXX which i disagreed with. I said, I called you on XX/XX/XXXX, and you didn't do what you said you were going to do. You are asking us to pay an additional XXXX dollars and many families can not afford to do that. So fix it for XX/XX/XXXX. I asked to be transferred to someone else, I was. She was able to get the escrow department to run the re-analysis right away and it should be fixed by the end of the month. I was very happy with that but I wanted you to be aware of this Mortgage company. XXXX. I have had 5 other mortgage companies and have NEVER had a problem. I worry this could happen to others who are not as aware and may be taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
This is XXXX XXXX. I will be the only one authorizing this complaint. I will be sending my license, ss card and proof of address. 
I want to make a complaint about XXXX XXXX XXXX and Receivable. Both companies are providing unethical practicing and XXXX and XXXX are just letting it happen. The bill on theses account are paid from the document that i uploaded but they continue to record a collect with owing a balance. That's a violation that needs to be fixed. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX Delete this account because of inaccurate reporting. The notice of dispute is required to report within 30 days of receiving the 1st dispute letter. If the notice is not there, which it is not the account is reported in violation of section 623 and needs to be deleted immediately Violation FIRST FEDERAL CREDIT C ( Original Creditor : XXXX XXXX XXXX ) - XXXX - Delete this account because of inaccurate reporting. The notice of dispute is required to report within 30 days of receiving the 1st dispute letter. If the notice is not there, which it is not the account is reported in violation of section 623 and needs to be deleted immediately Violation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica

Complaint narrative:
This is an emergency, because for this is my only income ( Social Security Retirement ) and I depend on to pay my bills at the end of this month. 

No one else had access to the card. 

Debit Card stopped working on XX/XX/XXXX. 
I attempted to reach out to the company ( Direct Express ) on XX/XX/XXXX and was initially unable to connect with the customer service. Numbers provided to not accept calls from abroad ( including international line ). 
With the help of my nephew, I connected with customer service through VoIP ( local number ) and was able to contact a representative on XX/XX/XXXX. They informed that the card was suspended for fraud suspicion, and that the issue would need to be resolved by a level 2 technician. They transferred the call and no level-2 technician ever responded. 
I attempted to contact service representative again, and 3 times over, no one from level 2 picked up. 
Upon further attempts, the line would disconnect automatically upon entering my Social Security Number and was unable to contact a service representative. 
I There are no further options to contact the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX, XXXX and experian has a public record on my credit file this according to 15 usc 1681 ( a ) these companies reporting XXXX public record which is a private matter on my credit file and i would like it completely removed. please help me with this matter.

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 2021-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: IL

Complaint narrative:
My account was on hold for security reasons and i have verified my identity Now they are telling me no money is in my account Also their is no customer service number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
I received an email from Fortiva in response to a secure message that I sent and was told to call in to speak with someone, so I did. I called in and was cut off, interrupted and eventually hung up on when I asked for a supervisor. The rep name was XXXX XXXX. I called back and that was also useless. This company is a joke. They do not help with anything and the language barrier does not help. Instead of trying to understand my concern both agents just got louder and was just loud and wrong! I even called back and requested a supervisor and was told that one was not available! What a complete JOKE!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY INVOLVED. I requested the method of verification from chexsystems under FCRA, SECTION 611 ( a ) ( 6 ) ( 7 ). On XX/XX/2021 Chexsystems sent a letter with no response to my request. The letter just has my information that they are reporting a no method in which they verified the information.

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 2021-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners
State: IL

Complaint narrative:
I visited the emergency room on XXXX. I was insured by XXXX XXXX. The emergency room physicians group ( XXXX XXXX XXXX ) has a had a problem trying to collect from XXXX XXXX. XXXX XXXX keeps denying the claim. XXXX XXXX XXXX wanted me to contact XXXX XXXX to get them to pay the claim. I can not force XXXX XXXX to pay a claim, and furthermore I have never been contacted by XXXX XXXX regarding this claim. All of this has been stated to XXXX XXXX XXXX in previous letters. XXXX XXXX XXXX has now sold the debt, which is not due from me to Pendrick Capital Partners, which is trying to collect the amount through XXXX XXXX XXXX. This is an attempt to collect a debt not owed. Rather then take the correct action to collect the debt, XXXX XXXX XXXX and Pendrick Capital Partners, have fraudfently tried to collect a debt from me that I am not liable for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was contacted through my email about a job opportunity where I would be buying supplies and package them to ship to foster care. I was offered {$500.00} as my wage and they will be sending me checks where I would keep {$500.00} and the rest used for supply and shipping expenses. I was then communicated through text messages and emails. They sent me electronic checks ( {$2600.00} ) to be deposited to my bank account ( Bank of America ) which was made available as my balance. Then the scammer told me that the foster care contacted them and said that they cant accept packages right now because of COVID. So they asked me to keep {$500.00} and send out the {$2100.00} to another account which I XXXX out the money through my BOA mobile app to ( I was asked to send to XXXX ) on XX/XX/21. I did as they said. Since the bank made the balance available to me so I thought the check was already confirmed and processed. Later on, the bank rejected the check and I couldnt get my money back. I contacted the bank right away after the check was rejected but they said they couldnt do anything other than filing a claim and contact XXXX. I called many times throughout 90 days ( thats the days the bank said how long it would approximately take for them to decide if I can have my money back ). As a result, the bank told me that I can not get my money back. I asked for contact information in hope that maybe I can talk to XXXX myself but all I get from XXXX is auto messages that says to contact the bank. So thats what happened and I never got the {$2100.00} back.

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 2021-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: DE

Complaint narrative:
I moved from US to XXXX and I was no longer able to access my Coinbase account due to the inability to receive the sms for the extra layer of authentication. 

I contacted Coinbase on late XX/XX/2020 and they advised me to create a new account using my Romanian credentials in order to regain access to the original account. 

All said and done, followed their instructions and instead of a resolution, I got no replies for over 2 months. I tried reaching out to them on XXXX and I probably touched a nerve as they restarted the correspondence and eventually gave me the long needed access to my Coinbase account but to my surprise, the account was just a mirage, as I could only log in and view my assets, without being able to access or modify anything, including sending, exchanging or withdrawing my assets, while a top banner was instructing me to wait for a couple of days for the identity verification to conclude. This was over 7 months ago, the same banner still pops up whenever I log in and my account is still just a shadow. 

I have opened countless support tickets asking them for an explanation and an update regarding my status but they ghosted me ever since. All I ever got were a few automated replies notifying me that Coinbase has resolved and closed my case which is completely untrue and unfounded as they resolved nothing. 

Seeing tens of thousands other complaints on reddit and other social platforms brought me to the point of considering I was being scammed or something related and had no other choice but to start a legal process in the attempt to regain access to my portfolio now valued at around {$50000.00}. 

In conclusion, Coinbase is unlawfully holding my assets, causing me financial grief and emotional distress. 

Please assist me in this process of bringing Coinbase to the legal accountability, according to the trading laws. 

I have email proof of the correspondence between me and Coinbase and happy to provide if the need occurs.

Company response to consumer: Closed with monetary relief