vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-14 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I traveled out of the country on XX/XX/XXXX and returned on XX/XX/XXXX, XXXX when I returned I noticed some unauthorized transactions on my TD Bank credit card. I called immediately to report and inform them of the unauthorized transaction on my credit card. Even though my credit card was still in my possession. There were six different transactions that occurred on the card, which summed up to {$760.00}. I spoke with someone on the phone and it was made clear from the conservation that, once the card was in my possession and the transactions proved that the card was physically present for those transactions, there was nothing they could do. She then proceeded to ask to file a police report if I wanted to consider the case legitimate and increasing my chances. I did file the police report and faxed it over. 
Going back and forth on the phone, I was told to go see a local representative at any local Td bank to try and resolve the issue. but when I got there. they informed me that there was " nothing they could do ''. They don't usually handle fraud and dispute. The only thing that was resolved my them canceling my credit card and issuing me another one. 

I received a letter saying my case close and I was responsible for the unauthorized transactions. After reaching out several times, most representatives could not give me a solid reason as to why my case was closed and I was responsible for the {$760.00}. A representative told me to fax the police report over so the can open the case again. Which I did again. Another representative told me they never got my fax. I fax it again. Different representatives gave me different stories as to why my complaint has not being resolved. The recent conversation on the phone with a representative stated my claim was on the system and will be reviewed by top management. 

I was vetting out on social media and my informantion was taken. I lady by the name of XXXX reach out to me. explaining to me the process but nothing was resolved either. She was supposedly in top-level management While this dispute was going on. I was made aware that I am not responsible for any payment until the issue was fully resolved. I was very dismayed when I received a letter on XX/XX/2020, stating that, my monthly payment of {$7100.00} is past due. And before that my monthly payment was {$35.00}. 

This whole process was quite frustrating and not my fault. I don't see any reason why I should be footing a bill I am not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have got some issue here related funds withdraw from coinbase. 
I have started total 2 withdraws on XX/XX/XXXX, which is amount {$3100.00} reference number : XXXX, and amount {$5400.00} reference number : XXXX to my XXXX XXXX bank account.i can see the money did hit my account, and have been posted.BUT the exactly same amount of money been DEDUCTED from my account by coinbase at same time.which means I didnt receive the money I mean to withdraw either in my bank account nor coinbase wallet. 
I have try to contact coinbase for this matter in past few days and havent got satisfied answer, the problems remain unresolved! i DEMAND coinbase to take it serious as this is quite big money for me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: World Acceptance Corporation
State: TX

Complaint narrative:
World Finance Corporation is reporting inaccurate account balance information on an account that was charged off in 2016. There's no way two years later that the account is in collections for a balance on a closed account. I have disputed this over and over again. This company can not provide any information about the origin of the account and why they are trying to collect on a closed account. This is a fraudulent company that is scamming consumer out of money on closed account. When the information is disputed they provide the reporting agency false information pertaining to the account. This needs to be removed from my account before I'm forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The XXXX tax refund check {$4000.00} from IRS I never received. 
I found someone cashed that check. IRS asked me claim against bank That accepts the check. 
I have contacted CHASE bank since XX/XX/XXXX, Bank have different person Handled my case, After 6 weeks on XX/XX/XXXX Someone from CHASE told me That my case has closed, He gave me the other department number.when I call that department today XX/XX/XXXX, The answer is CHASE response if money From my CHASE account only, I need go back to IRS. 
I felt very helpless and powerless, I do really need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: IN

Complaint narrative:
On XX/XX/2020 someone without my authorization ran my credit to get a car loan and I tried calling XXXX to fix this and they would not help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Trans union allowed XXXX XXXX XXXX to pull my credit report a number of times with out permission purpose or a legitimate need to obtain a copy of my credit report. XXXX XXXX XXXX closed and stop all further collections on an account that they had last year due to the debt being Exempt from debt collection for being on Social Security XXXX for life. since they closed the account and stop all collections on this account they have no permission purpose under The Fair Credit Reporting Act ( FCRA ) to pull my credit report for account reviews when they have no account that is open to collections from me If you stop all further collection and closed the account you have no right to review my credit report on a closed account unless you are still trying to collect on exempt funds

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 2020-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In 2006 sallie mae had split with Navient. Im somewhere in the middle, it considered federal FFELP but is private. Ive been unable to take advantage of the Pandemic assistance because of this. This whole time ive kept making my paymemts even though i am unemployed. For years Navient had steered me into Forbearance time and time again. Why am i not notified about income driven repayment. Because of the extra pandemic funds i want to settle this debt once and for all, i have had this student loan for 15 yrs. Why will they not settle? Im lead to speak to an attorney for student loans. I have no choice and want to limit further harrassment from Navient and multiple calls per day

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I made a {$600.00} principal payment against my outstanding loan balance. Bank of America posted it, reduced my outstanding balance and then immediately posted " Misapplication reversal '' for an amount of {$600.00}, and adding {$600.00} to my outstanding balance. In essence they accepted my payment, reduced the outstanding balance and then immediately reversed the payment adding to my outstanding balance. My payment was with good funds and from a B of A checking account. 

I contacted B of A 4 times about this : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I was told it would be resolved within 3-5 business days. It was not. That call was with XXXX in XXXX XXXX, ID # XXXX at approximately XXXX PDT. Claim # XXXX On XX/XX/XXXX at XXXX PDT XXXX, ID # XXXX issued a complaint on my behalf # XXXX and said someone would contact me the next day. No one did. 

I was told by B of A personnel during these 4 calls that the problem was systemic as B of A implemented a new loan software program.

Typical hold times for each of these calls was 1 hour minimum.

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 2020-09-14 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have tried repeatedly to get my credit report and have Equifax change my name. They have my name as XXXX XXXX XXXX and my correct name is XXXX XXXX, XXXX. I tried to contact them today and the person I spoke to asked for my bank information, credit card information and balances on accounts. I couldn't understand the person I was talking to but proceeded to give him all the information. He said he couldn't verify my identity with all the information I gave him. I asked if I could please speak to a supervisor and he said he would not connect me because he has a certain amount of information that he can collect which I gave him and he wouldn't verify my name. I also asked for my credit report which I get free once a year and he declined to send it. The other credit agencies are more than willing to send my information and also have my name correctly. Also, the other credit companies have my credit score considerably higher than Equifax. They have been the source of many problems when I am dealing with credit. I can't seem to get my concerns addressed and find this as my only recourse. I hope you will take the appropriate actions to get my name corrected. I have several proofs of identification listing my name as XXXX XXXX, XXXX ( No middle name ) Not XXXX XXXX XXXX. Thanks for your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
NO COPY OF WHO ENDORESED THE MONEY ORDER HAS EVER BEEN RECEIVED from Western Union. 

DEFINITION OF ENDORESED - Sign ( a check or bill of exchange ) on the back to make it payable to someone other than the stated payee or to accept responsibility for paying it ) I am not asking for payee information.  Western Union please send a copy of facts : a copy showing bank account tracking information such as the XXXX XXXX routing number and account number that the money order was cashed from that also shows that XXXX stamped or signed the money order. A blank money order shows nothing and just saying that Western Union sent three copies and to call XXXX XXXX means nothing. Fraud and Scam. Money was paid to Western Union to provide this information to me.

Western Union has been deceptive in providing me with proof/factual information on who cashed the {$130.00} money order that I paid for and has refused to provide me with a copy on who endorsed the money order. I have requested for months that that Western Union ( Western Union Reference Number : XXXX ) give me traceable information on who cashed the money order and as of today, XXXX, they have refused to provide facts and keep providing useless responses. A copy of the money order is attached. The problem occurred in XX/XX/2020 after my bill was not paid. I contacted the XXXX XXXX XXXX ( complaint ID # XXXX XXXX to resolve this with no conclusion after Western Union refused to send me a copy on who endorsed the money order. Western Union also closed the case since they  sent me a copy of the front of the money order and a blank copy of the back of the money order. I also contacted FTC with a complaint and never received a response. I need the following facts on who endorsed the money order who cashed it and where did the money go since XXXX never received it. Western Union refuses to send me the following after they told me to pay them {$15.00} to receive a copy of the front and back of the endorsed money order. I have never received the following from them : company name or person who endorsed the money order a copy of the back of the endorsed money order ( not a blank copy of the back of a money order ) the bank account number that the money order was deposited to the banks name or routing number. I am requesting that Western Union send me a full refund of {$150.00} - {$130.00} for the money order and {$15.00} for the requested copy of the endorsed information from the money order to resolve this complaint. Western Union please contact our Corporate Headquarters at XXXX, and provide the Western Union Reference # : XXXX. You may also email us at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST GUARANTY MORTGAGE CORP
State: GA

Complaint narrative:
On XX/XX/2020 a loan officer from my current mortgage called me regarding an opportunity to refinance my mortgage. I told him I was not interested. The next day, he pulled a hard inquiry of my credit report without my authorization. He had my information as he was affiliated with my current mortgage lender. Ive attempted to contact him several times with no response.

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 2020-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX I refinanced my existing mortgage with Citimortgage for {$250000.00} / 5.5 % / 30 years. In XXXX I was approved by CITIMORTAGE for a loan modification, after a reduced payment plan of {$1400.00} for 6 months, instead of the $ XXXX  monthly regular payments. My new modified loan was {$260000.00} / 4 % / 40 years. My question now is how did it get to {$260000.00} after paying for 9 years? My mortgage from XXXX to XXXX was always with CITIMORTGAGE and I made my payments every month, so where did my payments go. My mortgage is now being serviced by XXXX XXXX, but my problem is when CITIMORTGAGE was servicing my mortgage. Why are they dismissing me now. My mortgage # with CITIMORTGAGE is XXXX XXXX. Please help or tell me where I can get help. The math does not add up.

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 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a late for the month of XX/XX/2020. This payment was deferred due to Covid-19. The bank says that the bureau would remove the late after my dispute. The credit bureaus still have not removed the late.

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 2020-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Braviant Holdings, LLC
State: TX

Complaint narrative:
I have contacted this company and sent letters advising them that I was opting out. I called the phone number, went to the website and mailed several letters to XXXX as instructed. I have already filled out a Permanent Opt-Out Form but the company continue to send me mail. Sometimes I get letters from Balance Credit at least 3 times a week. It's annoying and very harassing. I really want them to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
i recently made the discovery of an fraudulent account on my credit report. i completed an ftc report, and also filed a police report of the accounts. i sent these documents to XXXX, XXXX, and Transunion and each of these companies told me because the account had been verified, that they can not remove the account.. and because it had been disputed in the past. I tried to explain the reason for that was because i hired a company ( XXXX XXXX ) to do credit repairs and was unaware that the account was fraudulent and the methods they used to dispute the account. i decided to to do my own credit examination and took a closer look at my credit report and came to the realization of the fraudulent account. and was still told nothing can be done. This account is not mine and was created fraudulently.

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 2020-09-16 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: MI

Complaint narrative:
i recently made the discovery of an fraudulent account on my credit report. i completed an ftc report, and also filed a police report of the accounts. i sent these documents to XXXX, Equifax, and XXXX   and each of these companies told me because the account had been verified, that they can not remove the account.. and because it had been disputed in the past. I tried to explain the reason for that was because i hired a company ( XXXX XXXX ) to do credit repairs and was unaware that the account was fraudulent and the methods they used to dispute the account. i decided to to do my own credit examination and took a closer look at my credit report and came to the realization of the fraudulent account. and was still told nothing can be done. This account is not mine and was created fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom it may concern : This is the second time that I try to remove information from my credit report that do not belong to me, I filed an FTC report and sent it to your company but these account still showing in my report, them I decided to file a police report which is been attached to this complaint, I don't have an idea how my identity was stolen I just know that I need help with this situation before it becomes more serious. Thank you.

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