vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: DISCOVER BANK
State: GA

Complaint narrative:
I tried to login to my account several weeks ago and couldn't because my phone number had changed. I was instructed to call customer service, and when I did, I was verified by the Discover Bank representative, but was transferred to another employee who told me I needed to send a copy of my driver 's license and social security card. I informed this employee, ( XXXX ), that I had a driver 's license, but didn't have a social security card and haven't had one in many years. I'm a 100 % VA XXXX veteran and won't ever receive social security anyway! After trying to send a copy of my driver 's license on the Discover Bank website, it wouldn't go through. I was told I could mail a copy of it to the Discover Bank XXXX XXXX XXXX address. I then sent a copy of my driver 's license through XXXX and paid extra for overnight shipping. I had been in contact with XXXX at the Discover Bank executive offices about my situation and how I couldn't log into my account because of Discover Bank 's ridiculous verification procedures. She left a message for me that my driver 's license address didn't match my account address, even though it obviously did because I was receiving mail from Discover Bank! I sent a copy of one of these letters by email just to show the truth of this. My CD is maturing in a few days and I still can't provide instructions for the bank on this because my account has been frozen! I have tried all I can to take care of this through the bank but this bank has thoroughly shown me that I need to find intervention to assist me with this matter and to have all of my funds in this bank removed! I have accounts at other online banks and they haven't and never would put their customers through such turmoil, especially over a changed phone number!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC
State: AZ

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: WA

Complaint narrative:
On XX/XX/XXXX my brother in XXXX XXXX XXXX XXXX sent me XXXX US dollars from his PayPal account XXXX to my PayPal account XXXX. I have been a member of PayPal since XXXX. PayPal refused to release my money and said they would freeze my account for 180 days. I tried to call them but there is no reachable phone number. I can only talk to them via Chat. I only get canned responses from the Chat. They said they would freeze my account for 180 days and that I could not nothing about it. My name is XXXX XXXX XXXX. I have attached my US passport of proof my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On Friday XX/XX/2021 my phone was either lost or stolen I'm not sure which one. On Saturday evening I had all kinds of unauthorized activities happening with my bank account and I bank with BOA. My other checkings account was hacked the previous month and I had to get another account. I had a charge through my business XXXX that was refunded. I had a {$400.00} XXXX payment that was unauthorized for a dog from some strange and unusual name. I have 3 dogs and my husband won't even let me look at another one. I also had a charge on there from Florida and I live in South Carolina. I tried to call the police and they stated I could not do a report because I was not for certain if the phone was actually stolen and it was a possibility that the phone could be retrieved later on if it was lost or misplaced. I have been doing a lot of reading about XXXX and fraudulent transactions and how there is no protection for consumers.

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 2021-04-27 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:
IVE NOTICED THAT I HAVE BEEN A VICTIM OF ID THEFT/FRAUD AND ITS STILL GOING ON

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: NC

Complaint narrative:
IVE NOTICED THAT I HAVE BEEN A VICTIM OF ID THEFT/FRAUD AND ITS STILL GOING ON

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 2021-04-27 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: CITIBANK, N.A.
State: VA

Complaint narrative:
Due to Covid 19, I lost my job, Therefore I was late a payment, and was reported as late payment, so my credit report went from good to worse in one day.

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 2021-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliant Capital Management LLC
State: NY

Complaint narrative:
I was contacted via email from company called alliant capital management stating that I owed a debt from XXXX XXXX/XXXX  XXXX. Spoke with XXXX from alliant capital. He said he would accept payment of {$350.00} as settlement for debt of {$880.00}. Made payment on XX/XX/2021 with credit card. Was promised a letter stating debt was paid. Still haven't received any notice from alliant capital. I have called and emailed several times no response. I called original creditor and they still have debt outstanding and have no record of alliant capital management handling this debt. I believe I was mislead into paying this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
My Coinbase account was compromised on XX/XX/2021via a SIM Swap and stolen email. My email account was stolen and 2fa was changed so I can never get the email associated with my account back. 
I tried to report the SIM swap to Coinbase via phone and by creating a support ticket but responses were apparently routed to the stolen email account. I have created tickets with my current email account that was not stolen and have received responses that a specialist would contact me in 4-5 days. It has been 2 1/2 months and I have received nothing but form email responses. I have tried opening multiple tickets and they get consolidated back into a single ticket with a promise of a response in 4-5 days. 

I need to get my account back so i can file taxes and see what the thief stole. In addition, I have funds on other exchanges that are frozen waiting for verification of transfers from Coinbase to confirm my identification that I can only get if I'm logged into my account. 

The current support ticket is Case # XXXX - Stolen email

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERFIRST MORTGAGE COMPANY
State: OH

Complaint narrative:
I was working with Interfirst Mortgage company to refinance my residential property. I had signed agreement to using them and the loan began underwriting. On report, they declared that I had a history of foreclosure on a house that I NEVER owned or payed rent to. Additionally they said that my current lender had not reported my payments on my loan. I followed the requests to get these erroneous accusations resolved. They received a letter from my current lender to declare that I was NOT in forbearance and they received a copy of my payment history dating back to 2018. They informed me they were satisfied with my documentation and supporting information. However, after about about 2 weeks with no contact from them I emailed them requesting an update. They informed me that my loan was denied on the pretense that I " was in forbearance in the last 12 months ''. In our phone conversation they had even said to be, " you have obviously been making your payments ''. " You have auto-payment, a XXXX dollar balance, and no missed payments. '' Despite doing everything they requested of me, they denied my loan unexpectedly and without any notification. No email, text, phone call or letter. I have tried to contact them and ask how we can correct this wrongdoing but they have stopped reply. I am a typical citizen and I have excellent financial credibility. I have never missed a payment on anything and despite misinformation about my finances, Interfirst Bank refused to assist me in reasons they said themselves are bogus and false. Now I am back to restart the process to find a lender that will work with the customer to do the right thing and to resolve errors and issues. Interfirst took the cheap way out and left me stranded.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
Venmo is insisting I owe for an unauthorized charge. Venmo complaint ID XXXX for transaction XXXX XX/XX/21. They stated that my claim was denied XX/XX/21, but they did not explain why I would he responsible for an unauthorized charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I received an email from a collection agency, TrueAccord stating they were retained by LVNV, who they say bought the account from XXXX XXXX. I sent LVNV a debt " validation '' letter to assure that LVNV had the authority to collect the debt. I did not receive a response to my letter. 
They may have sent a " verification '' of the debt which does not validate they can collect the debt. They then retained XXXX XXXX XXXX to collect the debt. I received a letter from them in XX/XX/2021. I sent XXXX XXXX  XXXX a cease and desist letter. They in turn sent an inappropriate response of a debt verification they say I requested. They are in violation of the Fair Debt Collection Act, as they did not advise in their one letter they are allowed to send me 1 ) they were terminating collections, 2 ) they could invoke certain remedies 3 ) that they were invoking certain remedies. XXXX XXXX XXXX filed a debt claim against me on XX/XX/2021 which I received notice XX/XX/2021. I am considering filing a counter claim against them since they are in violation of the Fair Debt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
Jefferson Capital Systems LLC constantly sends me letters about a non-existent XXXX debt of XXXX. This is non-existent because I have never sent money with XXXX in the form of credit and haven't had an account open with them since I was a child.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: MN

Complaint narrative:
On XX/XX/XXXX I sent a letter to TransUnion to request validation of a Bankruptcy listed on my credit report. On XX/XX/XXXX TransUnion sent me a letter with their investigation results. It stated that the item was verified as accurate. On XX/XX/XXXX I sent a letter again to TransUnion stated that I asked them to validate the alleged Bankruptcy they are reporting and the Bankruptcy was verified by the courts. I went directly to the courthouse and they claimed they never verified the bankruptcy and I enclosed a letter from the US Bankruptcy Court of Minnesota. I asked for this item to be deleted off my credit report as it is NOT validated. On XX/XX/XXXX I received a letter from TransUnion stating again the Bankruptcy was verified. Then again on XX/XX/XXXX I received a letter from TransUnion stating that their records show the investigation was complete and they are not required to reinvestigate the same item again at this time and that if I have any additional information I can upload it and they will complete a reinvestigation. I have provided to TransUnion a copy of each letter I have sent and the letter from the US Bankruptcy Court of Minnesota as well as their own documents they have sent me with no resolution. I called TransUnion today XX/XX/XXXX to discuss this account and went through my request letter by letter and asked for this information to be removed from my credit report as they have not properly validating this account. I was told they did not have to provide the 3rd party agency if they used one as a part of the validation or verification, she stated that they probe for the information and report it to consumers credit reports. She stated she could no longer assist as the information is correct.

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 2021-04-27 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: PR

Complaint narrative:
Good Afternoon, I have been trying to purchase a home since XXXX, XXXX through a financial institution in XXXX XXXX. I submitted a credit authorization form to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX  signed on XX/XX/XXXX. XXXX XXXX XXXX  ran my credit on XX/XX/XXXX. The credit authorization letter was valid for 90 days. XXXX XXXX XXXX  ran my credit again without my authorization on XX/XX/XXXX. I spoke with the president of the company XXXX XXXX and I questioned about the hard credit inquiry and the only explanation he gave me was that the they had to run it again because the other inquiry had expired. I told that I did not authorize the credit check and that they should of had asked me first before running a credit check. He said, that they wouldn't run it again. Well, today we are still in the approval process of the mortgage since XXXX and today they ran my credit again without my authorization. I would like to report this company for not complying and running credit checks with prior authorizations. When I spoke with Mr. XXXX in XXXX I was very clear with him about not running my credit again and still XXXX XXXX XXXX ran it again. Is not my fault that they are taking these long to give me an answer whether if the loan is approved or not. Everytime they run my credit it affects my credit score.

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 2021-04-27 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: Solomon and Solomon, P.C.
State: NY

Complaint narrative:
Payments have been made on time monthly, but the balance never decreases on the credit report. I contacted the company requesting information on when they update with credit bureaus, unfortunately the information provided is inaccurate. 

The balance they provided is inaccurate and they do not update the information monthly as they said in the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: OH

Complaint narrative:
On XX/XX/XXXX, I sent Equifax a dispute letter ( attached ) disputing a collection account that is listed on my credit report that is fraudulent. On XX/XX/XXXX, I was notified that Equifax  placed a XXXX XXXX XXXX XXXX  account in dispute status instead of the following account : Collector : XXXX XXXX XXXX Original Creditor : XXXX XXXX Date Assigned : XX/XX/XXXX Acct : XXXX Original Amount : {$86.00} Balance Owed : {$110.00} Date Reported : XX/XX/XXXX On XX/XX/XXXX, Equifax received my received my dispute and has refused to place the fraudulent account in dispute and remove the account due identity theft. Based on the my original request on XX/XX/XXXX, I am requesting Equifax to block the information from my credit file and remove the dispute status from the XXXX XXXX XXXX XXXX  account that I did not put in dispute. If Equifax fails to take the requested action, I will file a lawsuit for violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Home Mortgage sold/transferred my mortgage to XXXX XXXX XXXX XX/XX/XXXX. I had applied for and was approved for forbearance by Wells Fargo Home Mortgage in XXXX of XXXX due to COVID for 6 months. In XX/XX/XXXX Wells Fargo Home Mortgage asked if I need an additional 6 months for COVID. I applied and the first payment due again was XXXX XXXX. I made a payment to Wells Fargo starting the payments again. In XX/XX/XXXX I am being told Wells Fargo Home Mortgage transferred my loan to a mortgage debt collection company and they have the forbearance as a balance that is due by XXXX XXXX or have my house put in foreclosure.

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 2021-04-27 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I bought a new car from XXXX XXXX XXXX, XXXX, NY on XX/XX/XXXX. Financing for the loan on the vehicle was set up through TD Auto Finance. Payments were set at {$420.00} per month on the 10th of each month for a total of 75 payments that concluded on XX/XX/XXXX. I signed up for paperless billing and auto deduct from our bank account for payments. Contact was to be through my email account. 
Payments were started on XX/XX/XXXX. Payments were continued until XX/XX/XXXX where 2 payments were made. No payment was taken on XX/XX/XXXX. The next payment was taken on XX/XX/XXXX. Then no payment was taken on XX/XX/XXXX. As of XX/XX/XXXX a late fee of {$21.00} was charged to my account as we were now in arrears by 1 payment. I was unaware that we were now in arrears. Moving forward from that date our payment was taken out on the XXXX of each month except on a Sunday where it was taken out on the 9th. However with our account in arrears by 1 payment, we were charged an amount of {$21.00} each month. 

In early XX/XX/XXXX i logged onto my account, as the contract was concluding in XX/XX/XXXX, to find that whilst i had paid every payment except that payment on XX/XX/XXXX, i had been charged {$21.00} each month for the lack of that 1 payment. This had now accumulated to an amount of {$1300.00}. At no point in the 5 years and 2 months that my account had been in arrears had TD Auto finance contacted me to point out that i had an outstanding amount on my account and to ask how i was going to fix it either by email or regular mail. I have credit cards, have had personal loans and other financing options. If i have ever been behind the company has promptly contacted me to advise that an amount was outstanding and how i was to correct the imbalance. 

After discussing the issue with my wife we paid the outstanding fines which had now grown to {$1300.00} and the outstanding payment of {$420.00} on XX/XX/XXXX. 

I feel that TD Auto Finance intentionally did not contact me to allow the penalty to continue growing over the 5 years. If they had contacted me i would have paid of the outstanding amount. I fail to understand how it is ethical for a finance company to allow this to happen. If i did not make a credit card payment for 5 years i am sure i would have heard something much sooner. 

Furthermore on XX/XX/XXXX we paid the final three payments of {$1200.00}, for XXXX, XXXX and XXXX of XXXX. On XX/XX/XXXX we received a paper statement with an outstanding balance of {$89.00}. When i called on XX/XX/XXXX i was not able to get any reason of why this amount was due, even though i had paid all 75 payments of {$420.00} and paid all of the {$1300.00} in penalties. After speaking with a supervisor this amount was waived.

Company response to consumer: Closed with explanation