vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
In XX/XX/XXXX, I spoke with a representative regarding an offer for a reduce in my interest on my credit card with Capital One due to loss of job due to Covid-19. The representative did not make me aware that it will restrict the used of my card. I spoke with Supervisor XXXX back in XX/XX/XXXX stated if I make 3 months of my payments on time that my card will be turn back and the restriction off my card. I have made payments over {$3000.00} since XX/XX/XXXX over the minimum payment and XX/XX/XXXX payment for {$380.00} on XX/XX/XXXX. I spoke with Supervisor XXXX she stated that the restriction will not be lifted until 14 days after XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: N26 Inc.
State: MA

Complaint narrative:
On XXXX of XXXX I saw an apartment listing on XXXX in XXXX, XXXX : XXXX : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX % XXXX % XXXX % XXXX & XXXX & XXXX I reached out to them since the listing looked normal asking for a possible discount. They proceeded to email me saying that they had a cheaper rate on XXXX. 
After a few weeks, I contacted them again on XXXX  and email : XXXX On XXXX of XXXX, they contacted me saying they were giving me a 20 % discount and they made a reservation for me on Airbnb through this link : https : XXXX The website looked exactly like Airbnb and I could message the host like normal. After accepting the booking, I asked the support on the page which looked normal if paying through transfer was normal and they assured me. 
We were shown an invoice on the page that looked like a real XXXX invoice with a N26 XXXX  XXXX bank account where the money was supposed to be sent. We proceeded to sent the money ( XXXX EURO ) and only we afterwards realized it was a scam. We called our bank XXXX but they are unsure if we can get the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to
promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


I demand the following accounts be verified or deleted immediately. Below I have marked the multiple inaccuracies that are being reported on my credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Coinbase, Inc.

Complaint narrative:
Good Morning, I have a problem with the Coinbase cryptocurrency platform, it turns out that on XX/XX/2021, Coinbase sent me an email indicating that my account is under review and that it will last a few days, the problem is that I have the account under review and without being able to operate with it for 84 days, I wrote to them several times to be able to consult how my review is and they only tell me that they have many review requests and that they will advance my review to be able to leave my operational account, but I still can not operate. 
I have all my data updated and in Coinbase it appears to me that I am correctly identified at the highest level.

In total I sent 3 emails throughout these 84 days that I have been with the blocked account. 
In the account I have access and I can see my balance, but it does not allow me to buy, sell or exchange cryptocurrencies and it is very sad because as a result of not being able to operate I lost almost XXXX euros by not being able to sell. 
I beg you please that you can help me to recover my account and thus be able to operate with my money. 
All the best.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CT

Complaint narrative:
A collections agency reported on my credit that there is a collections against me. A fraudulent account was created through XXXX  in my name. I contacted XXXX global fraud. They determined I should contact XXXX which I think is an affiliate of XXXX, and gave me a number. I could not get a live person. I filled out a form online and no one has responded to me yet. It has been two weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: NC

Complaint narrative:
I received a copy of my credit report and found a few items to be in error. I have attached and FTC report and my letters for each bureau to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
My moms name is XXXX XXXX XXXX! I do not own any of these accounts, I would like them removed. Please help me remove this from my credit because this is holding me back ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION

Complaint narrative:
In 2015 XXXX XXXX who is now deceased and can not face charges stole my identity and my daughters identity XXXX XXXX. He and his daughter pretended to be us and open this car loan with Credit Acceptance XXXX, he tried to open it in just my name until he realized I didnt have a drivers license and I dont drive so he took my daughters information. We lived in a family house at the time and he had access to search and get what he needed to do this when we were gone. Im tired of fighting this. XXXX XXXX is tired of fighting this. She reached out to his wife and she told the truth and made a complaint but Credit Acceptance pretended like they didnt know what she was referring to when she put the account number she was referring to in the report. These people have our names on this signed by someone else and just holding us responsible for something we had nothing to do with. Remove this fraudulent account from our credit report. XXXX XXXX is deceased and not able to deal with consequences of this. He wrote a letter or had his daughter write a letter pretending to be my child. How can you prove thats my child, its a letter that could have been written by anyone. She did not write it. We have no liability for this account and tired of trying to take it on. Credit Acceptance is a money hungry company and dont care who they hurt. When we are explaining to them how this happened and we did not do this because XXXX XXXX signed our names on it its automatically us. No show me us in there signing it. You cant because we were not there. Delete this account from my credit report report and XXXX XXXX credit report immediately. If I had a driver license I would not do business with a company like this.

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 2021-07-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA

Complaint narrative:
My mortgage was sold to Lakeview Loan Servicing LLC subserviced by XXXX. As best I can tell they are the same company. I received a bill stating they have not received payment from me and they charged me a late fee and have reported a late payment from me. 

I pay them {$400.00} every 2 weeks and have never missed a payment. The Statement they sent shows they received the payments and that they credited them to my account, but they are not counting them as payments?!? 

The statement is also poorly written and does not add up to the proper amounts paid for principal mortgage and escrow. They include lump sum payments to the escrow and payments from the escrow all as debits in the Total column. It looks like this statement was intentionally written to confuse borrowers. 

I would like this late fee removed the payment history updated to show I have never been late. I would also like the format of the statements to be corrected so that it properly shows debits and credits and it more friendly to read. 

Looking at the volume of complaints against this company online, I think the CFPB needs to take more serious action against this predatory loan servicing company.

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 2021-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Check for {$100.00} was mailed out to United States Treasury for taxes. Check was never received by the IRS. Someone stole the mail with the check in it changed it to their name and for {$1000.00} It cleared my Account on XX/XX/XXXX XX/XX/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 monetary relief
Consumer complaint received 2021-07-28 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: American Credit Acceptance, LLC
State: LA

Complaint narrative:
Vehicle was traded in and signed over in XX/XX/2021 which lines up with the opening of my new auto loan. American credit acceptance purposely didnt close out the loan until XXXX and listed me as late for the month of XXXX when the vehicle had been traded in since XXXX. This company also reported me late in XXXX when a payment was submitted in time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: WV

Complaint narrative:
I submitted a security freeze and opt-out request to LexisNexis Consumer Center in early XXXX. They responded with a series of conflicting, ambiguous correspondence implying there are multiple files, then a few days later send a letter indicating they can not process my request, but fail to indicate which request. I sent a dispute letter on XX/XX/2021, and they failed to answer the dispute. These companies hold a lot of power and can and do affect the livelihood of consumers with the flip of a switch ; I expect their communication to be timely and unambiguous, and in my opinion, the law requires it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: OH

Complaint narrative:
XXXX Deposited a third party check ( {$12000.00} ) signed over to me from my husband via an ATM PNC bank where my bank account has existed for 30 years. 
XXXX The check was deposited and withdrawn ( no notification from the bank ). I discovered when I checked my balance. 
XX/XX/XXXX I called the PNC branch in XXXX, OH to understand why the deposit didnt go through. XXXX  ( the teller, said it was because the check was over the amount allowed to be deposited into the ATM. When I went into the branch later that day, the branch manager said it was because my husband isnt their client and they can not verify his signature. They were unable to return the check to me, but said I would receive a replacement legal check in the mail within 7-10 days. 
XX/XX/XXXX I called customer service for the status of the check. I was told the check was sent on XX/XX/XXXX. Then waited. 
XX/XX/XXXX I called customer service for the status of the check. The representative told me they can see that the check was lost. She said she could reissue the check but it would take an additional 7-10 days. So instead she encouraged me to go into the branch and told me to ask them to have Returns overnight the check. 
XX/XX/XXXX I left work early to get the branch before XXXX only to discover the banks new hours are XXXX. I got there at XXXX. I work from XXXX and will not be able to get there during their open hours until the weekend. So I called customer service. I spoke with XXXX who was helpful, but didnt have the structure in place to escalate my call to a manager. If the branch can request a check to be sent overnight, why cant customer service. We are living in a digital age. She had already sent me a multi factor identification code via text. But alas she did not have the ability to make the over night request. She also was unable to take the call when I asked for a manager. She wasnt able to get me to the Office of the President and when I let her know I would go public the best she could do was submit a complaint to have someone call me back at some point in the next day or so. 
XX/XX/XXXX I still havent heard anything from PNC bank. I still do not have the check I deposited on XXXX. And I have no idea when I will. I have lost all trust with PNC bank. And upon receipt I will be taking my business elsewhere after 30 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened a checking account with Citibank in XXXX this year. 

In XXXX they closed my account without reason and withheld my funds. I received no communication they had done this, I only found out when I contacted them. They originally informed me that I needed to wait up to 60 days to receive a check in the post for the balance of my account. The balance at the time of closing was {$3400.00}. 

After contacting them a few times for information, I just accepted that they had closed my account, despite giving me no reason for doing so. I waited patiently over the following weeks, but I never received a check. 

After the deadline passed, I contacted them again. They suddenly informed me that I would not be receiving a check for any money at all! Instead, stating that I need to retrieve the funds from whoever funded the account. However, the funds in the account mostly consisted of casino withdrawals. I have been in contact with the casinos and obviously they are unable to retrieve funds from an account they've transferred money to after the transaction is complete. 

I have tried multiple times to explain to Citibank and their customer service is awful. They're wrongly withholding my money and I don't know what to do about it so I am turning to you for help. I have no interest in banking with them, I just want my money 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 2021-07-28 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: FL

Complaint narrative:
My credit dropped 63 points with Equifax after I opened a new credit card. I want an explanation. A specific explanation. Not generalities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: CITIBANK, N.A.
State: TX

Complaint narrative:
- Dispute ID : XXXX - Transaction Date XX/XX/2021 ; XXXX XXXX XXXX, XXXX XXXX, NV ; {$6400.00} - Complaint filed with Citibank stating unknown vendor ; no contact info about the vendor - On XX/XX/XXXX, Citibank approved the charges ( without providing any proof of the transaction from the vendor ) - After multiple follow-ups, the dispute is reinstated, however, no resolution to-date ( XX/XX/2021 )

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 2021-07-28 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: LA

Complaint narrative:
Vehicle was traded in and signed over in XX/XX/2021 which lines up with the opening of my new auto loan. XXXX XXXX XXXX purposely didnt close out the loan until XXXX and listed me as late for the month of XXXX when the vehicle had been traded in since XXXX. This company also reported me late in XXXX when a payment was submitted in time.

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 2021-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: TX

Complaint narrative:
Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them on XX/XX/XXXX. I received a letter listing items that are supposedly owed to another company. I then mailed a second verification letter, ( signed and received on XX/XX/XXXX ), asking them to prove to me : 1. How this is proven to be mine? and 2. How do i owe Americollect? I received a second letter from them stating my request was " frivolous and irrelevant. '' I have given well over the original 30 days to respond with validation of their claims with no proof in sight. How is it possible for them to continue reporting clearly unverified, invalidated, and inaccurate information to my credit report?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. To this date, 90 days later, I have not received a response yet. I feel like my disputes are being neglected and taken advantage of. Failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 90 days and I am demanding these accounts are deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Subject : Closing of fully current Credit Card account with no notice provided and forfeiting of cash rewards in the amount of USD XXXX. 
Details : I received notice in mail on XX/XX/XXXX that XXXX has closed my Paypal Credit Card account. The reason provided were two missed payments in the last 12 months. In each case the payments had been set to autopay and were returned by the bank due to funds being insufficient to pay the full balance ( funds would have been sufficient to pay the minimum balance by XXXX made no attempt to seek such payment via autopay ). In each case the minimum balance payment was outstanding for only a few days after which I noticed the clerical error and manually paid down the full balance. At the time when XXXX closed my full account I had paid my full balance and was fully current on my account. XXXX 's policy of not giving me any notice period led to me being unable to access my cash rewards in the amount of USD XXXX. I strongly suspect that the unclaimed balance of cash rewards was the true reason for the closing and that the temporary autopay issues are used as a pretext to profit of the forfeiting of the cash rewards balance.

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