vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MIDFIRST BANK
State: TN

Complaint narrative:
Through CFPB my XXXX checking account was successfully reopened back from XX/XX/21 complaint XXXX. 

I qualified for the {$250.00} Direct Deposit Bonus as well as the {$25.00} Savings Goal bonus once my account had been reopened. I never received the bonus and my account again was closed but this time due to inactivity. 

I spoke with XXXX XXXX, XXXX line Support Team Supervisor, ( XXXX ) XXXX back in XXXX about the {$270.00} bonus I never received and was told by him there had been many errors on numerous accounts regarding the bonuses not attaching to the account and my account was one of them. Since my account had been closed for inactivity, whereas it had been active since I made several direct deposits into the account ; he apologized for the mishap and said he would have a check for {$270.00} cut and mailed to my home since it could not be placed into a closed account. He also said he would get back to me within 72hrs and if he did not for me to contact him directly. 

Unfortunately, he never contacted me back and I have attempted to contact him and leave messages on his voicemail several times in regards to this matter ; I still have yet to receive a callback nor the check for {$270.00}. I have also contacted the customer support line twice since my failed attempts of contacting XXXX. I first spoke with a young lady named XXXX XXXX who said my check was on the way. This call took place back in XXXX and here we are in XXXX still no Check. I called again today and spoke with another customer support team who tells me they see everything in the notes regarding my account and the {$270.00} should be sent to me but XXXX XXXX is the only one who can handle it. The CSR said he would email him letting him know I am still waiting for this situation to be resolved and a callback from XXXX. Still no call back and I personally don't think I will receive one. 

This is very disturbing and has been a long drawn process to receive what I earned. 

Please help. 

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
Consumer complaint received 2021-12-01 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: MRS BPO, LLC
State: NJ

Complaint narrative:
The below inquires made using my social security number and personal information were fraudulently created. One resulted going into collections, ( damaging my credit score and file ) with MRSBPO for an XXXX account I never applied for or authorized. I have filed a police report acknowledgment but unable to obtain a full and detailed police report from the XXXX XXXX  XXXX Police Department XXXX XXXX XXXX XXXX, NJ XXXX. Detective XXXX  informed me the following : " I advised XXXX XXXX, that in order to further investigate this incident I would need to obtain subpoenas from the XXXX XXXX Prosecutors Office to be served upon the various entities. The final report will not be released by our records bureau until the conclusion of this investigation. This investigation will not be complete until I have received the documents requested in the subpoenas and any leads pursued. Just a heads up, the report that our records bureau will provide you with will not include any officers narrative portion. There won't be much more information in this report than the form that I have already provided you with. In order to obtain the entire report I believe you will have to file for discovery, but our records bureau will be able to further advise you on that. I will keep you updated on the status of this investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Police Department XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX Ext. XXXX XXXX I did not authorize or apply for credit with the below creditors. 

XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I have reported this to the XXXX  and they suggested I follow up with the CFPB.. I don't know what else to call this other than this company is a complete fraud and should be treated as such for how they treat their customers. I have been working with a Crypto Currency company called Coinbase. I have many questions and concerns and there is no support team whatsoever. Any time I have filed for support their email is no longer operational or I receive automated responses that someone will reach out to me, no one ever does, but I get a " How did we do? '' email from them. I have a lot of money invested in cryptocurrency and for a company to be completely and utterly absent is not only completely wrong but no way to do business. There is 0 explanation, 0 feedback, 0 support... how am I supposed to conduct business and now even remove my business when there's no information or support on how to do so. My hands are tied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: CA

Complaint narrative:
Their are several inquiries hard and soft have duplicate on same day and time, incorrect 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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Main Street Holdings, Inc.
State: SC

Complaint narrative:
I did not recognize the hard inquiry on my credit report from Rock Hill Financial on XX/XX/XXXX, so I wrote them a letter on XX/XX/XXXX advising them to investigate this item and remove it from my credit if they are not able to validate it. However, I also asked them that if they were able to validate it, then to please provide written proof and a description of how the investigation was conducted. 

On XX/XX/XXXX I received a call from XXXX at XXXX telling me that I gave them authorization to pull my credit on XX/XX/XXXX over the phone when I applied for a loan. I asked her to please send me proof of that and she told me that she did nothing wrong and hung up the phone. 

I did not authorize this company to pull my credit report at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: TX

Complaint narrative:
To Whom It May Concern I XXXX XXXX recently received a copy of my credit reported after dispute of items on my credit report. the items disputed were XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX these accounts where deleted off of my XXXX credit report on XX/XX/2021. I've sent proof to XXXX and transunion that these items was deleted by XXXX. on XX/XX/2021 XXXX and transunion both responded updated in my report. but did not delete these items from my credit report. I'm am aware that all XXXX  credit reports must be XXXX percent accuracy when 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 non-monetary relief
Consumer complaint received 2021-12-01 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: U.S. BANCORP
State: NJ

Complaint narrative:
The below inquires made using my social security number and personal information were fraudulently created. One resulted going into collections, ( damaging my XXXX XXXX and file ) with XXXX for an XXXX account I never applied for or authorized. I have filed a police report acknowledgment but unable to obtain a full and detailed police report from the XXXX XXXX XXXX Police Department XXXX XXXX XXXX XXXX, NJ XXXX. XXXX XXXX informed me the following : " I advised Mr XXXX, that in order to further investigate this incident I would need to obtain subpoenas from the XXXX XXXX XXXX XXXX to be served upon the various entities. The final report will not be released by our records bureau until the conclusion of this investigation. This investigation will not be complete until I have received the documents requested in the subpoenas and any leads pursued. Just a heads up, the report that our records bureau will provide you with will not include any officers narrative portion. There won't be much more information in this report than the form that I have already provided you with. In order to obtain the entire report I believe you will have to file for discovery, but our records bureau will be able to further advise you on that. I will keep you updated on the status of this investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Police Department XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX Ext. XXXX XXXX I did not authorize or apply for credit with the below creditors. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I am the non responsible spouse on the Mortgage. I have been and continue to be the only occupant of the home since XX/XX/XXXX. 

On XX/XX/XXXX, Amerihome, mailed a letter addressed directly to me. 

On XX/XX/XXXX, after receiving the letter addressed directly to me I contacted Amerihome at the number, XXXX to request a forbearance due to XXXX  impacted by COVID-19. At the time of the call the agent verified that I was on the account. During the call the agent informed me that the forbearance would be applied and I would receive a letter in the mail. 

On XX/XX/XXXX, after not receiving the letter, I called the same number ( XXXX ) to verify the forbearance was in place and to inform Amerihome that I had not received the letter. 

The name of the 1st employee I spoke with is XXXX XXXX # : XXXX. XXXX refused to provide any of the information I requested. XXXX stated he could not speak with me regarding the loan. I asked XXXX why would I receive a letter addressed to me if he couldn't provide me with the information I requested. XXXX repeated the statement that he could not provide me any information. I then asked XXXX who could provide the information and did he see the letter addressed directly to me. XXXX said he couldn't tell me anything. I asked XXXX for a contact for someone who could talk with XXXX said a manager could not call me because no one could discuss the loan with me and gave me a phone number to call. I dialed the number XXXX provided to learn it was bogus. 

I dialed Amerihome back at, XXXX on that call I spoke with XXXX XXXX # : XXXX. He informed me that he saw XXXX 's notes and he ( XXXX ) couldn't provide me with any information regarding the forbearance or the loan. 

On XX/XX/XXXX using the information provided on AmeriHome Mortgage website ( Legal information Doc ) i filed a complaint with the Department of Savings and Mortgage Lending and with AmeriHome Mortgage. I have not heard back from AmeriHome Mortage to date.

AmeriHome actions have put my home in jeopardy. I believe Amerihome is intentionally trying to force a foreclosure. Because of tAmerihome 's unwillingness to communicate with me I had to get Home Insurance without having any of the correct information from AmeriHome. I need this resolved now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am a consumer disputing this information that being reported on my credit file. I am overstanding my right as XXXX stared by law XXXX XXXX XXXX. I am demanding you to remove from my credit file immediately. 

XXXX. Remove Middle name is inaccurate ( XXXX ) XXXX. Employer is inaccurate ( 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 2021-12-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I places an order on XXXX XXXX for a XXXX XXXX XXXX XXXX XXXX " White solid surface order # XXXX model XXXX item # XXXX for {$3500.00} credit discount XXXX shipping XXXX invoice XXXX XXXX tax total {$3700.00} on Friday XXXX XXXX. It arrived XXXX XXXX. 
It was on a palate with an opened box sitting on top of it to cover it. It not in a box just like a hat. 
I wanted to purchase a gold pop up valve and on XXXX website it was {$1500.00} on XXXX XXXX called XXXX XXXX and they directed me to XXXX customer service I called and explained as it was not discontinued or marked sale and spoke to XXXX XXXX who was in contact with her supervisor multiple times. I was on the call for an hour waiting, but her boss would not get on the phone. I told her i believe this was a mistake in the price advertised, but she was not able to come to the phone as she was going to investigate it and was to call me back. I explained I was unable to get anyone to install it until XXXX as Covid and no one could come. When unemployment was cut more workers now available. I called so many people all said Next year can not get workers. The XXXX supervisor never called me from online. I have the emails to XXXX which I attached from me and her email to me telling me her boss would reach out. My son called XXXX today when I told him what happened and they said they would email a case number which they did not.. My son called XXXX who said it was not supposed to be XXXX but that would be up to XXXX. A XXXX XXXX called me today from XXXX in XXXX just now after my son called today and said he can not do anything for me.

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 2021-12-01 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
This concerns a XXXX  master card. I never received an XXXX statement. This is a new account for me. So when I INSISTED they send me a copy of the statement,, they finally did. With charges I dont recognize, and can not verify. For example, there are XXXX large supposed purchases on the same day - XX/XX/XXXX, to XXXX XXXX. They wanted me to make a payment over the phone, without even having looked at an actual statement! There is something very fishy & corrupt going on here. I feel that I have been treated unfairly, and bilked. Once I had gotten the statement, I was no longer able to contact the company. I am unable to make a copy of this statement to you, as my printer isnt working. I can get that info to you some other way, if you need it.

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 2021-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: NJ

Complaint narrative:
They keep calling my phone asking for some one whom I don't know! Now I just hang up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
On XX/XX/2021 I was advised that the collection I had paid off did not get removed off my credit report. Before initiating the payment, I specifically asked if I would be provided with a letter of deletion. After being told yes, I continued on with making the payment back in XXXX. I waited a month or so before asking to speak with a supervisor in regards to this issue. She then advised she would pull the call and if it was advised that it would be deleted, she would then delete it and send me a deletion letter. After me having to call them back and not hearing from them, that supervisor refused to speak with me and had someone else tell me the call was pulled and that I was not advised I would get a deletion letter and was only told I would get a paid in full letter. I asked for the recording to be sent to me and they refused. I believe they are being unfair and untruthful. Can someone please help me? I am just trying to better my future for my family and I, this is the only thing holding me back.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: MS

Complaint narrative:
I received a letter from Elan Financial Services stating I applied for a XXXX Credit Card and since they were unable to verify my identification info they werent able to approve the application. When I searched the toll free number listed on the letter XXXX. Tons of fraud and scam info came up immediately for that number. I am not the only one receiving some kind of inquiries from them. They did manage to get my XXXX XXXX from XXXX XXXX they included a additional letter with my XXXX XXXX and credit information. The date of the letter is XX/XX/2021. I also dont see a bank listed and bc I did apply for a consolidation credit card I am uncertain about this being legit after reading the complaints I online. 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 non-monetary relief
Consumer complaint received 2021-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I have been with Paypal for over XXXX years with no issues or hiccups. Out of random i received an email on XX/XX/2021 at XXXX PM that my account was closed and that i was unable to use paypal anymore due to filing cases with the XXXX XXXX XXXX contrary to the terms of the user agreement. This came as a surprise because i received no warning with paypal or any issues with my account and the last dispute was done XX/XX/2021 Paypal had the last say in the disputes and approved them all so why am i being penalized as if i did something wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Unauthorized XXXX payments were taken out of my Wells Fargo account on XXXX XXXX, 2021. Both transactions were in the amount of {$900.00} each. I submitted a claim with Wells Fargo on XX/XX/XXXX. During that phone conversation, a specialist closed my account and opened a new bank account. After XXXX business days, we called Wells Fargo for a status update and the specialist informed us the claim was mistakenly filed under someone else 's name ( no relation to me or the other account holder ). I had to file another claim on XX/XX/XXXX21 and was informed it would take another XXXX business days for resolution. This is after several phone conversations with several fraud specialists at Wells Fargo resulting in hours of on-hold time and hours of conversations with several difference fraud specialists. We were just informed today that WF has denied the claim. 
XXXX is the bank 's money app that I never use. I did not authorize those transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I have recently opened my monthly statement to see that there is deferred principal in the amount of {$7800.00}. I have always paid my monthly payment even during the pandemic. 

There is absolutely no reason why I should have deferred principal. This company continues to plays games with my mortgage and my monthly payments. This is a negative amortization mortgage, which is illegal in some states, and the company is literally stealing from me. 

Now they come up with this nonsense! I have made several complains in the past and the CFPB has done nothing!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation