vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-28 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: Coinbase, Inc.
State: CA

Complaint narrative:
I have an account with Coinbase XXXX  and have significant XXXX figure holdings for digital currency. I have been accessing my account from either my phone or laptop. In XX/XX/2021, suddenly I couldnt login into my account using my face id and stored password was also deleted. I tried to retrieve my password using retrieve password option but in my email, i recieved the response that said, that password couldnt be reset as I am trying to reset it from an unrecognized device. This device I used was my phone and my laptop which I have been using to succesfully login for last few years. 
On XX/XX/XXXX i submitted online customer service request highlighting this issue. 
Case # XXXX. I received a brief response asking for - Device you are using, including model number - Version of the mobile app - Version of your mobile device software - A screenshot of the error message/bug ( if possible ) - Steps taken to reproduce the error message/bug - Any additional information All the information was provided but after that i didnt receive any response for a few weeks. 
On XX/XX/2021, I again filed the issue with customer service : Case # XXXX and referred to the previous case. No response has been received to date. 
I then filed a complaint on XX/XX/2021 Case # XXXX - Complaint # XXXX describing unresponsiveness and my stuck assets. 
I have not been able to access my assets because of the unresponsiveness of Coinbase. I am not able to do any transactions. I am in need of money but can not access my account. This is a significant amount of money. Please help/ There is no way to contact Coinbase because they have no phone customer service or any live person to talk to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-28 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX  XXXX is reporting 2 erroneous late notations on my credit file. I recently sold my house and this loan was paid in full. I ended up selling the home in XXXX. However, my title company said that wiring the money over would take 30 days. I told them that they needed to hurry the transaction as it was XXXX and it only has 28 days. My title company ended up transferring the money over XX/XX/XXXX, which in any other month would have been the XXXX. XXXX XXXX also charges a late fee if you pay anything past the XXXX which is ridiculous so they added a late fee. This account had been completely settled and paid by XX/XX/XXXX but they reported me late for XXXX? This was not my fault, I was never late on this account prior. I need the late notations removed from my credit file because I was never late, my title company just XXXX  me over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
HSBC BANK has mishandled our credit and issued credit cards we did NOT request .... we moved to the US in 2017 and transferred our accounts to HSBC US. We have written to HSBC to the address reported on the credit and letters came back UNDELIVERABLE ... SEE EVIDENCE OF F.C.R.A. VIOLATION ... THIS IS F.C.R.A. VIOLATION NOT TO MENTION F.D.C.P.A. VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
I was locked out of my account on Coinbase in XX/XX/2021. I contacted them and they said to create a new account with a different email address. I did and they said they would transfer my stocks to the new account. I have contacted them several times since creating the new account and I haven't gotten any additional responses. They are also still taking money out of my checking account for a some of the stocks. I haven't been able to add to purchase more stocks, sell or trade my stocks. I may be losing money or gaining money, but I don't know.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ALLIANT CREDIT UNION
State: DE

Complaint narrative:
Back in XXXX, I applied for a credit card issued by Alliant Credit Union based on the recommendation of XXXX XXXX. There was a card that had a 3 % cash back offer. Since I spend large sums of money conducting my business using a credit card, I considered this a good oppurtunity since my current card does not offer that much back. 

Alliant notified me that I was denied credit due to " lack of credit history ''. This is absolutely ridicules as I am XXXX XXXX XXXX and have paid off millions of dollars off over the last 45 years. 

I called Alliant and they just basically reiterated what was stated on the denial. They acknowledged that my credit score was XXXX and was rated " excellent ''. The can be no other explanation to turn me down other than some form of discrimination that is possibly ethnic, age, or something else. 

Please look into this matter for me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: MO

Complaint narrative:
This company has sent several letters stating I owe a debt and they will offset my tax return if I don't pay them. I have not spoken with this company nor acknowledge any validity of this debt. I have been XXXX from the military for nearly 20 years and with my XXXX, the closure of my account at XXXX XXXX XXXX XXXX. These letters are threatening and concerning to my family and myself. Please take action as this is clearly a violation of the Fair Credit reporting act. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HireRight Solutions, Inc.
State: DE

Complaint narrative:
There's information on my background check from over 7 years ago that is being sent to possible places of employment and getting in the way of me securing a job and providing for my family. This most recent incident is putting a hold on my employment with a company and the general manager of the company has emailed them every day and asked if I ever received any correspondence in which I received a letter saying that my conditional offer of employment may be revoked because of the outdated information. 

The agency that reported the outdated information is XXXX XXXX XXXX XXXX, a HireRight company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have several inquiries on my experian credit report that I did NOT authorize. This dealership had my personal information from XXXX and have called me constantly trying to get me to buy another vehicle from them. In XX/XX/XXXX I went to dealership to look at a vehicle. I did NOT give them any information to run my credit in XX/XX/XXXX. They were not even suppose to have my social security number on file..but they did.. Next thing i know i had several inquiries on my credit report.. I called the dealership and the manager just said " oh well dispute it '' .. On XX/XX/XXXX i called experian to tell them about the inquiries and was told since i bought a vehicle from that dealership in XXXX, I could not dispute it even thought I never signed anything or gave verbal concent on XX/XX/XXXX for them to run my social security number again.. I DID NOT GIVE THEM THIS 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 2021-04-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: IN

Complaint narrative:
I recently reached out to Sallie Mae during the pandemic. At the time, I lost my job and Sallie Mae sent an email stating that I owe over $ XXXX/month for my loan bill. Of course, I could not pay this amount nor even with a job pay that amount. I tried to talk with Sallie mae to see if we could work out a lower payment option. They stated that they can not do that and offered forbearance. I've tried multiple times to lower my payment and they continued to decline.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: AL

Complaint narrative:
We received notification from Citibank regarding potentially fraudulent activity on our credit card account ending in XXXX  on XX/XX/XXXX. Upon review of our transactions, we found several fraudulent charges on our card ( case # XXXX  ). Citibank immediately replaced our cards with account ending inXXXX. All fraudulent charges have been resolved except one made to XXXX XXXX for {$880.00} on XX/XX/XXXX. It appears that there were two charges for {$880.00} and then a credit to one of those charges, so the second {$880.00} remains on our card to date. Citibank Fraud department sent us a letter stating that they completed their investigation on that charge and that we are still responsible for that charge. Refer to the attached documents.

We also contacted XXXX XXXX XX/XX/XXXX. XXXX XXXX will not provide us the name of the person who purchased the ticket, the source booking location of the charges, names on those tickets, where the flights were going to, departure or return dates. We can attest that we were in XXXX, AL XX/XX/XXXX and did not book those flights from wherever they were made. Further, we have not flown anywhere from any airlines in XXXX or yet in XXXX. 

We have since filed a report with the FTC reference # XXXX and letter from that filing sent to Citibank. Refer to attached letter. 

Over the course of this event, we have made several calls to Citibank to get this issue resolved and checking status ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). They appear to be trying to get this resolved but the issue remains open to date. We can only suspect that XXXX  is not supporting Citibank with the investigation.

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 2021-04-29 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: NY

Complaint narrative:
I notified Equifax that I am a victim of identity. Dear Equifax, XXXX XXXX XXXX am not a third party and I have and still do give authorization for my credit report to be corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: GA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 The credit reporting agencies were given 30 days to produce all verifiable documents of this account on XX/XX/2021 in accordance with the statue 609 FCRA. That was 107 days ago. 
And now they are wanting another 60 days?? 
I believe my rights are being violated in accordance to the 611 and 623 FCRA. 

At this point, without verifiable evidence, the am ex account must be removed from my report immediately! It is affecting my ability to get a mortgage.

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 2021-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Recently obtained copies of my credit report and noticed unauthorized items being reported on 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 2021-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
Established relationship with the company in XXXX, after my spouse was already serving a XXXX  XXXX  in the state of Texas. I had NO issues reviewing any data online or via phone app. I open a credit card in XXXX and then a checking account in XXXX. Still with no issues reviewing accounts, balance making payments ; basic maintenance. I even took out renters insurance and personal property insurance for the new residence. 

Here lies the issue after moving and updating the all address in XXXX, My husband was getting a letter to the new address about a change in address. I called the number on the letter and instructed that the profile for my spouse should reflect the current XXXX address. Then with in three days I no longer had access to my accounts on web/app, when I called USAA they told me that since my call there was a record that there was difficulties between me and my spouse, the account was then restricted. 

The restriction was coming from him being charged with felony charges and was serving a sentence for said felony that I could not longer have access to review the productions on web/app. These said products are individual products with no ties to my spouse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: CURO Intermediate Holdings
State: TN

Complaint narrative:
After viewing my report I noticed this account that I have never applied for credit nor any written communication with. Pursuant to FDCPA 1692g I have requested for a validation yet you have failed to do so. FDCPA section 807 8 if you can not validate the debt that is a valid reason to remove it from my credit report. They have violated my consumer rights under the federal law FCRA & FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
Start refinance in XX/XX/XXXX. Submitted all proper documentation to lender to start refinancing. Always submitted updated documents on time. I was assigned three different processors since the start of the refinance until present day, XX/XX/XXXX. Never received updates on refinance or notification that my loan a refinance was being handled by a different processor. It was only discovered after numerous phone calls and emailing her escalation department regarding the matter. 

I notified loan officer my my concern at the rate lock expiration date. I was promised of a rate lock extension if the loan did not close in time. Now rates have gone up and no longer qualify for the original rate that was locked in XX/XX/XXXX. 

Now Im getting closing disclosures with different figures from the original closing costs from XX/XX/XXXX. They are being deceitful and theyre closing disclosures regarding the cost and attempting to charge me buydown fees for the rates. 

I have kept all documentation and emails sense initiating a refinance process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: AL

Complaint narrative:
CMG Financial makes repeated false claims about the ability to change the due dates in order to bring our account current. The most recent event, on XX/XX/2021 at XXXX EST, we spoke with CMG financial regarding a past due payment of {$1100.00} and late fee of {$41.00} we incurred for being past due on XX/XX/2021. The male agent we spoke with explicitly told us CMG Financial would move our due date up to the XXXX of every month in order to line up with our pay cycles only after we paid the late fee and brought current the past due balance for {$1200.00}. We honored our side of this arrangement and paid the {$1200.00} to bring the account current so they could execute the due date change. This billing cycle we were hit with a late fee again as a result of our due date never actually being changed despite bringing our account current. We reached back out to CMG Financial on XX/XX/XXXX at XXXX EST and were told by a different agent that no such change was made and that such a request, changing our due date, is not even possible even though the agent we spoke with on XX/XX/2021 at XXXX EST not only told us it was was possible but explicitly recommended it as a solution to our pay cycle due date alignment issue. Ultimately this has resulted in late fees being incurred on our account as a result of CMG Financial deceitfully promising a due date change that never occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Recently obtained copies of my credit report and noticed unauthorized items being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: NY

Complaint narrative:
I am a victim of identity theft

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 2021-04-29 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
HSBC BANK issued this card WITHOUT MY AUTHORIZATION. Now reporting this derogatory credit card on my credit report. My numerous attempts to get ahold of HSBC went ignored they do NOT list their phone number on the credit report and their address is NOT deliverable. SEE THE LETTER THAT WAS RETURNED TO ME MY USPS. I'M REQUESTING ALL CREDIT BUREAUS TO DELETE THIS ERRONEOUS ACCOUNT FROM MY CREDIT REPORT BUT THEY ARE TELLING ME THAT XXXX HAS TO VALIDATE THIS ACCOUNT .... HOW ARE THEY GETTING HOLD OF THEM WHEN I'M NOT ABLE TO? ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 The credit reporting agencies were given 30 days to produce all verifiable documents of this account on XX/XX/2021 in accordance with the statue 609 FCRA. That was 107 days ago. 
And now they are wanting another 60 days?? 
I believe my rights are being violated in accordance to the 611 and 623 FCRA. 

At this point, without verifiable evidence, the am ex account must be removed from my report immediately! It is affecting my ability to get a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 The credit reporting agencies were given 30 days to produce all verifiable documents of this account on XX/XX/2021 in accordance with the statue 609 FCRA. That was 107 days ago.

And now they are wanting another 60 days??

I believe my rights are being violated in accordance to the 611 and 623 FCRA.

At this point, without verifiable evidence, the am ex account must be removed from my report immediately! It is affecting my ability to get a mortgage.

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