vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: KS

Complaint narrative:
Called Sallie Mae on XX/XX/XXXX to inform them they did the 1098-E incorrectly. They submitted it with XXXX XXXX 's information who is the co-signer and who is also deceased. However, she paid {$0.00} during the entire life of the four loans. I paid every cent in XXXX and the 1098-E needs to be redone with my information. The customer service rep told me that was impossible and was super rude and would not let me even talk cause I was not allowed to access my account. Also, I can not access my account online either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: NY

Complaint narrative:
An account was placed under my name erroneously. Since then, DISCOVER BANK has damaged my name, and my credit. DISCOVER BANK has entered derogatory information into my credit file. I am writing to inform you I have been a victim of identity theft, and many accounts were established without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-30 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: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
A CALLER WHO POSED AS AN " XXXX '' REPRESENTATIVE CALLED ME. SHE STATED THAT MY COMPUTER HAD BEEN HACKED NUMEROUS TIMES AND WOULD BE RENDERED USELESS IF I ID NOTFOLLOW HER INSTRUCTIONS./ SHE INSTRUCTED ME TO GO TO THR XXXX  XXXX  DROCERY STORE NEAR MY HOME. ONCE I WAS THERE SHE INSTRUCTED ME TO PURCHASE 2 {$500.00} XXXX  GIFT CARDS. SHE THEN INSTRUCTED ME TO REVEAL THE ACTIVACTION CODE TO HER. I WAS TOLD THAT HER SERVICE WAS FREE AND THAT SHE WOULD RFUND MY CREDIT CARD COMPANY 'S CHARGE WITHIN 24 HOURS OF MY PURCHASE, THAT NEVER HAPPENED. 
I THEN CONTACTED PENTAGON FEDERAL CRTEDIT UNION TO FILE A FRAUD CLAIM FOR THE {$1000.00} OF WHICH I NEVER RECIEVED {$.00} FROM THE PURCHASE. THIS WAS IS XXXX OF 2020. 
I MAILED THEM ( CERTIFIED MAIL ) A NEWS ARTICLE FRON XXXX XXXX  THE ARREST OF A MAN FROM XXXX WORKING OUT OF FLORIDA, WHO WAS RESPONSIBLE FOR SCAMMING GA SENIORS OUT OF {$20.00} XXXX. 
PENFED AS REPLIED THAT SINCE I PARTICIPATED IN THE " SCAM '' WHICH THEY SAY IS NOT FRAUD, THAT THE CHARGES ARE VALID AND THAT I AM RESPOPNSIBLE FOR THE CHARGES. THEY ARE TELLING ME THAT FRAUD AND SCAM ARTE NOT THE SAME THING AND THAT I MUST PAY. I DISAGREE, FRAUD, SCAM AND CHEAT ARE ALL THE SAME. I AM XXXX YEARS OLD AND FEEL THAT IT IS FRAUD.

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 2021-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I started working on repairing my credit about a year ago. I have sent disputes to XXXX, TransUnion, and XXXX on a loan account for a motorcycle, with XXXX XXXX. The most recent was sent in XXXX XXXX XXXX ). They all sent back that it was Verified as Accurate. However, the account NAME does not match up .... nor do the addresses, or STATE of the creditor. It's also stating that the account was a PAID CHARGE OFF ... XXXX however one report says {$1200.00} was paid, one says {$700.00} was paid, and they ALL 3 have DIFFERENT YEARS for the closed date. This is really affecting my credit negatively, and I have tried everything I can to prove to them that it is inaccurate.

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 2021-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XXXX I contacted citibank because I was unable to access my user account online to pay my balance on my card. I was informed that I was unable to access my account because it was deleted due too suspicious activity/fraud. They said to just create a new account and use that account. Creating that account worked so I asked them why I was not notified and when the even happened they said they didn't know and to contact another number. Every number I called they changed the story or said they didn't know. The last number I called they basically said you can access your account now so we are done discussing this while constantly interrupting me every time I tried to explain that accessing the account wasn't the issue the issue is not being informed of potential fraud.

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 2021-01-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
On XX/XX/2021, we received notification by letter from TCF Bank, dated XX/XX/2021, that a temporary freeze had been placed on our existing HELOC line of credit, allegedly for the following reason : " The value of your dwelling has declined significantly below its appraised value. '' This determination and decision is alleged to have arisen due to the bank obtaining an " AVM '' of our home 's estimated value. 

We have made multiple good faith inquiries, beginning XX/XX/2021, and continuing, including requests to provide the underlying documentation for this decision, as well as our request to immediately reinstate our line of credit. We included in these contact submissions of estimations of our home 's value from public independent third-party vendors, which serve to refute TCF 's claims. Their allegation of decreased value is simply not supported by the facts available to us. Any facts in their possession, if any, are inexplicably being withheld - perhaps unlawfully. 

Our account has been in good standing since inception of our loan with TCF Bank, and continuing. We did receive a response from XXXX XXXX, AVP, Underwriting Manager on XX/XX/2021. However, his request for additional irrelevant documentation concerning our senior mortgage principal balance and reference to an alleged ongoing " investigation '' is illogical, intrusive and confusing, entirely missing the point of TCF 's assertion that our home value allegedly decreased significantly, which is the only subject at issue in this matter. We have significant concerns with respect to TCF 's apparent unethical business practices. 

It is our position that TCF is not acting in accordance with the principles of good faith and fair dealing, as required by virtue of our loan agreement with them. Further, we are of the opinion that both their determination and decision are incorrect and unsupported by the facts. The manner in which TCF is negligently or intentionally handling this entire matter from its decision to suspend our line of credit to its complete lack of meaningful response to our valid concerns and well-founded objections leads us to a reasonable conclusion that their actions are both arbitrary and capricious.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/2020 a {$900.00} purchase was made using my card information. I noticed the charge a few hours after the purchase was made and immediately called Apple Card services and disputed the charge and had my card number changed. I received an email today stating I would be held responsible for the charge because the merchant provided sufficient evidence that I made the purchase. After speaking to a Goldman Sachs manager he stated the company " XXXX '' provided an invoice with my card number and billing address, but to a person of a different name and a different shipping address. The manager said I would need to provide him with an email or screenshot proving I did not make the purchase. Upon asking how I could provide an email with evidence I didn't make a purchase he stated that was not his job. Several charges were attempted with the old card number in the two months following my dispute proving that somebody has my card information. I tried explaining to the manager that wherever they got my card information is also where the got my billing address, but he said he can't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX at about XXXX in the evening, I went to the ATM machine to make a deposit. The atm machine did not print any receipt for the transaction, and I took a photo of the screen. After checking my balance, the {$250.00} cash which was deposited at the atm machine was not credited to my checking account. Because it was a holiday, I could not call customer service right away. When I contacted them by electronic form, they ignored me. I was able to get someone one the phone when business reopened. My concern was again ignored, and my call was almost disconnected. I asked for a manager and the customer service rep refused to transfer me to a manager. I was placed on hold for a very long time. Eventually, they credited the {$250.00} in cash which had been deposited. However, they told me that the intended to leave open the claim for a reversal at their discretion. This transaction was very concerning. I am still being threatened with claim reversal today. 

The next problem with this account was a transaction for {$83.00} which was processed on XXXX XXXX. This was paid to XXXX. I checked all of my online shopping accounts, email, and phone, there is no order, no shipping, no item which was received for a value of {$83.00} anywhere. The bank has responded that they believe they have psychic ability to know that I have completed such an order and that the items are in my home. I responded to them with receipts for every appliance in my house, anything which would be of that value that I had been shopping for on the internet. I have no such item. No such item was sent to me. The applied an initial claim credit, then they reversed it and I have been charged twice {$83.00} for an item I do not have. They were excessively abusive when speaking with them about this issue. 

The next problem and an obvious error to my account was today. I don't believe these are errors at this point. It is intentional and it is excessively abusive by the bank. I have an account which I set up in person with the banker. My debit card is set to reject any transactions presented against an insufficient balance. There is an automatic denial of the transaction, and there is no fee. The bank used their discretion to override these setting on my account, and I was charged an additional {$34.00} for a transaction after the funds were low because of the {$83.00} incident. 

My child has also experienced abuse as a result of the balance at the bank. The account has been checked and information shared with someone who uses the children to resolve deficiencies at the banking institution. There is an abuse occurring which I can not quite put into words regarding my checking and debit account. We have also been threatened for disputing the transactions which are not mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-31 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: PA

Complaint narrative:
On XXXX XXXX, sent dispute letter to Transunion in reference to inaccurate information and accounts. Sent Method of Verification letters on XXXX XXXX and XX/XX/XXXX. Items being disputed were a XXXX account for XXXX and a XXXX XXXX XXXX account for {$7100.00}. The following was included in letter : Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 
The item in question is inaccurate and represents a very serious reporting error. I have previously provide court notice to prove the inaccuracy. 
I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 
Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 
To this date have not recieved any of the requested details from any of the credit bureaus Transunion,, XXXX, or XXXX. Each has been sent multiple Method of Verification request as defined under FCRA 611 ( a ) ( 6 ) ( B ( iii ) This issue has been ongoing since XXXX and has hindered me in being approved for housing and is putting a burden on my son and his family and me with my 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 2021-01-30 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: BANK OF THE WEST
State: AZ

Complaint narrative:
Bank of the West & XXXX XXXX XXXX are reporting a debt of XXXX I was XXXX  and forcefully removed from my place of living in XXXX and was homeless from XX/XX/XXXX THROUGHOUT XXXX AND XXXX TILL XX/XX/XXXX. 

They are passing the buck on the consumer whom has already suffered enough. I have found over 8 fraud accounts on my credit including this one. I had NO access to any online accounts or home or internet access ( infrequently ) during my homeless bought. I filed fraud claims online on identitythieft.gov and with BOTW faxing in a document today by a bank manager. 

When I call XXXX XXXX they refer me to BOTW when I go to BOTW they send me to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: MS SERVICES LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX & MS Services LLC are reporting a debt of XXXX I was XXXX  and forcefully removed from my place of living in XXXX and was homeless from XX/XX/XXXX THROUGHOUT XXXX AND XXXX TILL XX/XX/XXXX. 

They are passing the buck on the consumer whom has already suffered enough. I have found over 8 fraud accounts on my credit including this one. I had NO access to any online accounts or home or internet access ( infrequently ) during my homeless bought. I filed fraud claims online on identitythieft.gov and with XXXX faxing in a document today by a bank manager.

When I call MS Services they refer me to XXXX  when I go to XXXX  they send me to MS SERVICES.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Carvana Group, LLC
State: PA

Complaint narrative:
To whom it shall concern I reached out to carvana to correct a debt issue with them as the are a debt collector who did not give notification they were a debt collector furnishing deceptive forms to a federally protected consumer, in order to collect a debt. I entered a consumer credit transaction with an open-end credit plan and used the vehicle for household and personal use. As they are a extension of the creditor of the consumer credit transaction using my federal credit card meaning any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services. They don't have nor can provide me with the original contract for this alleged debt using multiple names, obscene symbols and use of obscene language on the alleged contract could be indecorous to the eyes. Carvana has violated me as a federal consumer in the corporation and needs to be held legally accountable for their ambiguous actions as a debt collector they are. I am demanding the agency to work with me the federal consumer under the guidelines Fair Debt Collection Practices Act and amendments to the Truth and Lending Act or else i will purse federal litigations if needing re-enforcements on the facts of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio have been trying to collect an alleged debt in the amount of {$21000.00} and {$22000.00} that is not mine since XX/XX/2018. They attempted to sue me and lost the lawsuit for Lack of proper documentation in a form a signed credit card agreement. This is fraud which they are well aware of hence they continued to move forward with the lawsuit.They have been reporting this alleged debt on my credit report since XX/XX/2018 therefore damaging my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I've reported them to CFPB several times calls may stop but they return. the last one I reported to CFPB they claim they never called which is false. after the report the calls did stop then return again. 
calling my relatives and other family is over the top. once filed a complaint I thought it was illegal to stop calls once I've filed a complaint for harassing all my family with a XXXX phone calls a 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 2021-01-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report.It has been well over 30 days and I havent received any investigation results.

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 2021-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase.com is a well-known cryptocurrency wallet and exchange, but with a checkered, shady past. Despite this, they remain the easiest and most popular way to purchase and sell cryptocurrencies. 

After reading this article ( XXXX XXXX XXXX  ), I decided the safest thing to do for the funds I have with them is to move them out. If Coinbase has the ability to shutdown buying and selling wontonly and against the wishes of its customers, which is a market manipulation issue in of itself, then there's nothing stopping them from seizing my coins without notice or reason. 

On XX/XX/2021, at about XXXX XXXX  PST, I withdrew my bitcoin holdings to the tune of XXXX XXXX or about {$1700.00} USD at the time. Coinbase said this would take 6 block confirmations ( or about an hour give or take ) for the transaction to complete. However it's important to note that transactions are broadcasted to the Bitcoin network even before any confirmations take place, meaning that receiving wallets will know when funds are incoming even though the transaction overall is still pending ( waiting for confirmations ). It's now been about 2 hours since Coinbase claims my bitcoin was " sent '' and yet my receiving wallet doesn't show the new transaction, block explorers ( which allow people to see transactions directly from blockchain data ) are showing no activity for the address used in the transaction, and Coinbase itself shows 0 confirmations ( which again take about 10 minutes each ).

The images I provided were 4 expected confirmations after the coins were supposedly sent. At least 10+ blocks or confirmation periods have passed and yet my funds are still in Coinbase custody. 

My account has no restrictions. The transaction was not restricted in any way ; I have not been notified as much ( which is another red flag issue ). The bitcoin addresses I used are 100 % correct, so this is 100 % the fault Coinbase and their denial of expected service. 

I emailed Coinbase support with no response. I've posted to relevant social media, which their support reads and responds, with no response. Digging a little deeper on their subreddit ( XXXX ), I'm far from the only person experiencing these withdrawal games. Given their checkered past and known hostility towards the consumer, I fear the worst for my funds. 

Again, I'm not the only one in this boat. Please investigate this company thoroughly.

Company response to consumer: Closed with monetary relief