vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-23 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have an active car loan with Ally Financial. I need to get copies of my statements from 2019 and the company said there can only provide statements from the last 6 months. This is unacceptable and I should be able to have access to any records regarding my active account.

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 2020-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: WA

Complaint narrative:
Vehicle payment is due on the XXXX of each month. Currently only 8 days late as of today XX/XX/2020. Santander Consumer USA keeps leaving messages and threatening to repo vehicle. They called 8 times in one day! Spoke with them today and they tried to bring up personal financial information like SSI/XXXX payments. We told them we are making a payment by tomorrow XX/XX/2020. This is the first time we have been late and we just bought the vehicle summer of this year. This is harassment and predatory lending!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: NJ

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-12-23 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: Commonwealth Financial Systems, Inc.
State: UT

Complaint narrative:
Common Wealth is reporting an erroneous debt on my credit file that is not mine. First of all I did not receive any letters, calls or notices about this debt. When I pulled my credit I noticed this collection and called to see what the debt was for. The address they had on file is not mine and has never been mine. The date of birth also was not mine. I tried to call the hospital listed on this collection and that hospital doesn't even exist anymore and hasn't for a few years, this hospital was located somewhere I've never even been. They have violated my 30 day right to dispute on top of applying a collection to my credit THAT IS NOT MINE. I need proof that this is my debt, including a signature, if not I need this removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
This is In regards to XXXX XXXX XXXX concerning Nordstrom Card Services Account # XXXX. Attached you will find a notarized power of attorney form authorizing us to investigate this account and communicate in regards to this matter. At the consumers request all future communications should be with this office. 

On XX/XX/2020 A letter was sent to Nordstrom in regards to a late reporting in XX/XX/2020 where a financial accommodation was made. I received a letter from Nordstrom dated XX/XX/2020 that accurate data is reporting to the three major credit bureaus. Based on the letter you are violation g the national pandemic law ( CARES ACT )?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: NJ

Complaint narrative:
Amerifinancial Solutions claims I have a debt of {$540.00} from XXXX XXXX. They placed the debt in the derogatory marks in XXXX, XXXX and XXXX. I have no such debt and they have not supplied me with proof. I had them removed from XXXX and XXXX. I submitted a complaint to them through XXXX and they were not removed. They have not supplied proof of this debt. They need to stop reporting this to XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This is now my EIGHTH ( 8TH ) COMPLAINT about the Bank of America refusing to grant us a reduction in our monthly car loan payment to {$500.00} from {$770.00}.

Yet the Bank of America as you notified me today is late in its response! There is absolutely no excuse for this! The Bank of America should be heavily fined! 

I was told by Mr. XXXX of the XXXX, New Jersey branch that the Bank of America orally will permit us to pay {$500.00} but that it will not put this in writing! 

I am an attorney-at-law ( ret ). Agreements of this kind to be enforceable must be in writing. 

The Bank of America is being dishonest! 

And it even threatened to take us to court and to repossess our car despite our dozens of emails, letters, and telephone calls, including several letters to the President of the Bank of America in XXXX, North Carolina who has not had the courtesy or decency to answer us! A rude dude!

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 2020-12-23 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: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Region 's Bank and XXXX XXXX allowed someone named XXXX XXXX to receive a wire transfer of {$770.00} from my checking account. Region 's insists this amount was authorized by me. I disputed the transfer, and my dispute was denied. I filed a police report with XXXX XXXX, FL Police Department ( XXXX ) and a claim with XXXX XXXX XXXX case # XXXX ), I appealed the transfer with Region 's, and the appeal was denied. I checked with XXXX and found someone had added a phone number to my account that could receive text messages from my phone. That telephone number is XXXX. My account is FDIC insured against fraud. The withdrawal and approval of the money was fraud, and I want Region 's to refund my money in full.

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 2020-12-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I made a purchase on my Macy Credit Card on XX/XX/XXXX. This was a large purchase as it was eligible for a 12 month no interest if paid before or on XX/XX/XXXX. Prior to this due date on XX/XX/XXXX I request a Covid-19 relief and per the two reps and audio recording, the minimum payment would not be required for two months and all promotional promo would be suspended for two months and the deferred interest would not be added. However on XX/XX/XXXX I received my XXXX statement showing the deferred interest was added along with additional interest despite having had the protection of the COVID-19 relief. Also, I received notification from my credit monitoring company of the increase which caused a negative impact on my credit report, dropping me down 10 points. 
The same day I contacted Macy 's at XXXX to have this mistake corrected. I was told 3 different lies. First, I was told that my Covid-19 protection expired on XX/XX/XXXX, which is not accurate as I have requested XX/XX/XXXX. Second, I was told the promotional promo expired on XX/XX/XXXX before I requested the relief, which is not accurate as all monthly statements from XX/XX/XXXX to XX/XX/XXXX showed the promotional due date as XX/XX/XXXX. The final lie, was despite me request the COVID-19 relief prior to the expiration of the promo balance, Macy/Citi did not approved it until the day after the promo expired on XX/XX/XXXX. 
I feel this company have operated in bad faith regarding Covid-19 relief. Phone recording should be reviewed from my call on XX/XX/XXXX at XXXX XXXX. as well as previous call in the month of XXXX regarding this account.

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 2020-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: DC

Complaint narrative:
Greetings CFCB, I recently joined Coinbase on XX/XX/XXXX. I went through all the verification steps, provided ID, SS, Address, 2 part verification - email, sms and XXXX authetication and was approved. I made 3 trades using my bank to fund - 2 purchases of Bitcoin  ( XXXX ) and 1 {$3500.00} purchase of XXXX  ( XX/XX/XXXX ). They allowed those ACH transactions to process and my bank completed them. 

The next day, without warning, provocation or explanation - Coinbase set my account deposit and withdraw limit to {$0.00}. When I try to do wire transfers - I get a prompt of 'how to ' but cant actually select a wire as an option. 

I am locked out from adding to or withdrawing funds from Coinbase. This is absolutely unacceptable. They are de facto holding my account, my trades and my money hostage. 

I submitted a request to increase the limit multiple times and was denied. I tried multiple linked bank accounts all of which had limits set to {$0.00}. I filed a request to Coinbase to troubleshoot and only received auto generated email responses that took days to appear. I then filed a client complaint and they dodged this issue. I went on XXXX and XXXX requesting help - No response. There is no 24/7 support or call center number to talk to a human. I feel completely helpless. Ostensibly, Coinbase took my money and disappeared. 

Can you please help me and refer to all screen grabs. It's a lot of money for me and I do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
On XX/XX/2020, I transferred {$40.00} to my relative in XXXX. She was unable to cash the money due to a minor error on her ID card so I was compelled to cancel as Western Union refused to fix it. I demanded refund. I was told it would take XXXX business days for the money to reach my bank. After 7 business days I did not see the money in my account. When I contacted Western Union, I was told to check with my bank which I did. My bank denied receiving the money. I also cancelled a transfer I made on XX/XX/2020 also to the same receiver in the amount of $ XXXXPlease find below details of the transactions : XXXX/XXXX/2020. Matching # XXXX XXXX XXXX amount {$40.00} receiver XXXX XXXX XXXX XX/XX/2020 Matching # XXXX XXXX XXXX amount {$40.00} receiver XXXX XXXX XXXX Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX - Account Edning XXXX XX/XX/2020 Citibank NA Was asked during XX/XX/2020 to close my Checking Plus account number ending in XXXX. They have terminated my account with an outstanding balance principal {$100.00} and total balance of {$220.00}. They have sent a letter {$110.00} outstanding late fee and {$5.00} outstanding interest has been waived. They regret to waive the remaining {$100.00} outstanding principal balance which was fees that they imposed. They did not close my account during the COVID-19 period which was requested. They continue to charge and impose interest on this account which should have been closed. After repeated calls some of which were dropped and transferred they did not follow the request asked and avoided closing the account.

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 2020-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
On XX/XX/2020 the vehicle was repossessed due to lack of payment. However, on XX/XX/2020 I entered enter a chapter XXXX bankruptcy ( XXXX ). When I called Ally on XX/XX/2020 I was told by a representative that the vehicle was transported to Auction on XX/XX/2020. After calling Ally for days, all of a sudden they released the car to me on XX/XX/2020. When I went to retrieve the vehicle my tags were missing and not with my property that they removed from the vehicle after repo. I filed a police report ( XXXX ) with the XXXX County Police Department on XX/XX/2020. On XX/XX/2020 Ally contacted me and advised me that the expired tags had been recovered. Since the tags were expired I needed to apply for new stickers in order to drive the vehicle legally. On XX/XX/2020 I was told by the MVA that Ally Financial had registered my vehicle in another state and that I could not register the vehicle at all.

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 2020-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I helping my mother who is a non English speaker apply for a mortgage. We applied using quicken loans and they first stated we can get a 3.5 % down. Then the told us it has to be a 5 % down since he owns a home with my dad that is already paid off. Once we entered escrow XXXX XXXX a Solution Consultant called and said he has to change the terms to a 10 % down payment because he feels that my mom job was to far from the home she is getting and that he dont believe she will stay in that job. So he is forcing us to get the home as a secondary property which is that what we first agreed to. My mom feels deceived and lied to by this company they are denying her a mortgage by increasing the down payment to go over her availability funds. From 5 % XXXX to 10 % XXXX when she only has XXXX available. Since she is a XXXX residence we also feel she is being discriminated based on her national origin since he is refusing to close escrow unless she can provide more money for the down payment which they never mentioned when we first started the process. They where aware of all the fact of her job location current home and the new home she was applying for why wait until we are in escrow to change the requirements and threaten to cancel the loan application if she can not obtain twice as much for the down payment the first ask for. This is unfair, misleading, practices from quicken loans. 
Here is his info who is refusing my mom a loan. 

XXXX XXXX Solution Consultant Direct : XXXX XXXX XXXX XXXX Fax : XXXX XXXX XXXX XXXX | NMLS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
XX/XX/2020 I did a transfer from my usbank account to my other account in XXXX XXXX XXXXXXXX. 
XX/XX/2020 I receive a email from usbank stating that the transfer was unsuccessful and I should see the money 3-5 business days in my account. 
XX/XX/2020 I have already spoken to representatives of both banks. usbank argue that XXXX XXXX  XXXX rejected the transfer. XXXX XXXX XXXX says that the transaction never happened ( disclaimer : I only talked to XXXX XXXX XXXXXXXX before XX/XX/2020, however I also talk to usbank before and they argued that XXXX XXXX XXXX rejected it ). 
The last representative of usbank PROMISED THAT A MANAGER WILL CALL ME and that never happened. 


To put into context : I couldn't pay the rent on time, compromising my relationship with the landlord. Moreover this situation is the most stressful situation I have ever lived and could cost me and my family on health.

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 2020-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Previous correspondence as attached ( ref XXXX dated XX/XX/2020 ) regarding account ending in XXXX states clearly this account is closed at a zero balance and furthermore AMEX considers the matter closed. Company has attempted to reverse again it's decision after the fact but has failed to request additional information or provide justification to continue this matter. All attempts to deal with reps have failed as none have any authority to make decisions or even understand the account and seem unaware of the attached or pretty much anything at all. 

This matter is closed as per the attached binding document and any documentary evidence, written or oral provided already to AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Zip Co US Inc.
State: WI

Complaint narrative:
I paid off loan # XXXX I returned the item and never got my refund. 

I went through my entire account with QuadPay and noticed they NEVER issued a refund on any of the items that I returned. 

You cant talk to a live representative and the emails the return they send you are rude!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my 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 2020-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I have been trying to get my credit info from the 3 credit bureaus. I had no problem with XXXX  and XXXX. Both showed my credit report and credit score free-of-charge. Not so TransUnion. They sent my credit report, but they refuse to tell me my credit score unless I pay them for it. This just seems wrong! Is it legal?

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