vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I dispute all charges after XX/XX/XXXX when I paid my balance off in full. Barclay 's has created a situation where I am unable to access, pay or review my account online or access a representative by calling. 
On XX/XX/XXXX2021 I paid off my entire balance ( {$2100.00} ) from the XX/XX/XXXX2021 bill that was due XX/XX/XXXX. 

In XXXX, Ireceivedan email saying my statement was ready and that my balance was {$23.00}. I expecteda {$0.00} balance, so I went to check the statement online and was locked out of my account. Since then, I have been trying to get through to customer service or into my account at least once a week. I have remained on hold for customer service for periods of time from 20 minutes up to 1.5 hours before needing to hang up so that I could return to work. 
Today, I started at XXXX, this time hoping to achieve a resolution by going through mastercard. The representative reached out to Barclays on her end, but said they wanted to speak to me live. She called me back with a live Barclay 's agent @ XXXX. The agent says I have a {$23.00} interest charge on the XXXX bill but is not explainingto me how I have interest on a {$0.00} balance. He continues to explain my current balance is now {$80.00} something dollars because of late fees since XXXX. I say that I dispute these charges and ask him to waive the fees. I am told that he can't waive any fees until security unlocks my account, I'm then put back into thequeue that no one has answered for the last 2 months. 
I'm left on hold for an hour, causing me to miss several work calls and finally having to hang up at XXXX without anyone ever getting on the line because I had a work meeting. 
The Barclay representative seemed well aware of how customers have not been able to get through and was even making jokes, wondering if anyone was working over there. 
I have not been provided with a statement of charges and their poor faith practices are putting my credit in jeopardy.

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 2021-10-06 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: IL

Complaint narrative:
Transunion is reporting and u verified collection on credit report by XXXX. XXXX, XXXX in the amount of XXXX. Both transunion and XXXX. XXXX are in violation of my rights by reporting a derogatory account on my credit reports that they have not provided proof of verification for. 
The was no written form of communication contact or signature the accused debt at all. 

They are required to provide the original contract AGREEING to pay this amount {$1400.00} bearing my signature Provide / prove that the limitations had not expired this account Show that they are licensed to collect in my state Validation must include pay off disclosure Interest rate disclosure Balance history Payment history Credit insurance

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 2021-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I financed my vehicle through American Honda Finance. I am now in the process of moving from Hawaii to the US Mainland ( California ). I need to ship my car to make this move. The state of Hawaii requires that I get authorization from Honda Finance ( as my lienholder ) to ship the vehicle. After waiting for hours on hold with their customer support, they told me I would need to submit insurance documentation ( confirming the vehicle would be insured in transit ) to a specific email address. I provided that documentation. After a week with no response, I called back and waited on hold for several hours. That representative said I need to email a different email address. They are not responding to either email address and I've been unable to get authorization to ship my car. I now may have to sell my car just to be able to move and risk not being able to even get a good price for it after all the time they've wasted. I feel that they have a responsibility as my lender to provide this to me. I've given them everything they asked for and tried numerous times over many different channels to follow up. I don't think they are acting in good faith to service my loan appropriately and feel that I was duped into accepting financing that wouldn't allow me to move with my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mobiloans, LLC
State: WA

Complaint narrative:
On XX/XX/XXXX I granted MOBILOANS the right to provide me an extension of my credit from my open-end consumer credit plan pursuant to 15 USC 1602 ( j ). However MOBILOANS furnished deceptive forms to deceive me into believing they provided me credit on their behalf. It is a fact, I am the original creditor and MOBILOANS has been fraudulently collecting payment from me in regards to the extension of this credit as well as other charges and fees. MOBILOANS also frequently computed " finance charges ''. I have disputed this account from my XXXX consumer report on multiple occasions because I never gave XXXX or MOBILOANS direct consent to furnish this information. No direct consent is identity theft! On XX/XX/XXXX I served MOBILOANS with a cease and desist and requested that they provide me with the valid documentary evidence for verification of the alleged debt they are attempting to collect. I received a vague response from MOBILOANS stating that the Fair Debt Collection Practices Act does not apply to MOBILOANS - see Exhibit A. I am demanding that they provide the law that exempts them from following federal law. The documents provided to me by MOBILOANS clearly states TRUTH IN LENDING DISCLOSURES- so MOBILOANS is willfully and knowingly committing fraud because this information is public and they are governed by these regulations! They have also been harassing me by communicating indirectly to XXXX and publishing information that is harmful and defamation of my character! It is a fact, MOBILOANS has committed fraud and continues to violate my rights as a consumer.

Company response to consumer: Untimely response
Consumer complaint received 2021-10-06 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: DISCOVER BANK
State: TX

Complaint narrative:
I worked with XXXX XXXX Mortgage Consultant ( NMLS # XXXX ), XXXX XXXX  XXXX  with XXXX XXXX XXXX. I was advised and only authorized my credit to be pulled XXXX. I received pre approval letters and after my offer was accepted no contact from the lender or the management was made. My RELATOR had to continually reach out in order to receive communication on what was going on for 2 weeks and he was able to reach management who advised I was never pre approved. My credit was pulled an additional 4-5 times without my consent or knowledge I have attempted to resolve with the manager and lender XXXX XXXX XXXX and have received no response to get this additional unauthorized pulls removed from my credit as it is impacting it " hard inquiry 's ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have a Barclays credit card account. Barclays is not sharing my account information with XXXX. I already tried resolving the issue with XXXX. XXXX sent me a letter that I need to contact Barclays because they are not sharing/reporting my credit card account information with XXXX. 

My Barclays Credit card account does not show on my credit report with 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 2021-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: NJ

Complaint narrative:
I applied for a home loan with Better mortgage received my preapproval XXXX was set to close XXXX. I own XXXX XXXX but I receive W2 income and my middle credit score is a XXXX. My loan officer XXXX XXXX along with the processor working on my loan file was very difficult to work with, for one they never answer the telephone, never return calls and do everything via email with of course two to 5 day delays in between. They have asked for repeat documents that were sent to them 3 and 4 times. I sent in my W2 's, current paystubs, bank statements showing my income yet they continued to ask for business documents which I also provided on numerous occasions. I provided the profit and loss statement for the business showing the income that comes in and goes out along with the balance the business currently has which is my operating income. There is no negative income balance on the XXXX XXXX & XXXX and again I am a paid employee of the business. Payroll documents were never asked for but I did provide my paystubs, and W2 's. My LO asked me for the bankruptcy documents which I immediately provided showing my chapter XXXX discharge was over 10 years ago, I also provided the documents showing the house that I owned at the time was given back to the bank in the chapter XXXX not foreclosed on. My LO missed my closing date of XXXX by coming back asking for repeat documents once I provided the documents and asked for my new closing date he wouldn't reply and neither would the processor. I emailed them both along with the manager on the email who also never replied to my emails. Only to receive a letter via email last week stating my loan has been denied due to insufficient income, which is a lie. This company is unethical, unprofessional, and use dirty tactics to bring in business off of expectations they know they can't meet causing me much pain and suffering and loss of deposit funds, inspections etc. Based on my personal bank statements, paystubs, W2 's and tax returns you can see I have more than enough income to support the loan. I would like a copy of the LO worksheet used to pre-approve me along with the XXXX findings. I would also like a copy of the underwriters income worksheet that shows my debt to income ratio to support the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
XXXX who owned the pines at XXXX XXXX sent me a notice that I owed money after they applied my deposit to damages at the apartment I rented. I sent back evidence that the report they gave me was false and had information I could disapprove on XX/XX/2019 and they agreed over the phone to research the matter as they may have wrongly withheld my deposit. 

They instead sent me no more correspondence and instead sent my alleged debt to columbia debt recovery who then sent it to the genesis collection agency. I have told both Columbia debt recovery and genesis the report and debt was false and I have evidence but they refuse to listen and keep sending out the fraudulent report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I see repetitive 30 -60 days late marks which is a clear violation of my rights under the FCRA. I was never late on this account. What's the method used to verify this account? Please send me the documents that prove I was ever late.! Also, the date last active is inaccurate. All 3 dates should be the same.

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 2021-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Someone called into Chase and changed the address and phone number on my Credit Card Account. I need to find out how this happened and make sure it does not happen again. I called and they told me someone called in. I was put on hold for over 50 mins and a rep never came back on the line. I called back in and a rep told me that It was changed online. I have two stage authentification on the account. There is no way that anyone could have done it online. Either the representative gave access to my account because they don't know what they are doing or they are part of the theft. I need to know if a chase employee is trying to steal my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/21 I bought a prepaid debit Visa card labeled Vanilla Gift card # XXXX XXXX XXXX XXXX at XXXX XXXX for XXXX and paid XXXX to activate it. My son used the card to buy some things and had a XXXX balance. When he tried to buy a video game w card, there was a XXXX balance. Someone stole the XXXX and bought something at merchant XXXX  XXXX. The card is distributed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ga XXXX XXXX. I filed a dispute with XXXX who stated it takes up to 90 days to do an investigation. I think this is an excessively long time as this was supposed to be a Visa card. I would appreciate any help recovering the stolen funds. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
On a XX/XX/21 Coinbase announced that they were accepting the AXS token. On XX/XX/21 I transferred XXXX AXS tokens from my coinbase wallet to my coinbase account but the transfer did not go through. I contacted Coinbase about the issue, they said that I sent the old version of AXS and that they dont support that token. For the record both of these AXS tokens have the same ticker, which is AXS and when Coinbase announced they were accepting AXS, they did not explain that they didnt accept the old version of AXS. I will attach a screenshot of this email. Coinbase did not offer me any resolution to the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-06 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: IL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
XX/XX/2020 I purchased online a Sears Shop Your Way refrigerator, XXXX XXXX and an ice-maker to be installed when delivered for {$170.00}. By XXXX, the refrigerator never arrived as promised to the XXXX XXXX store and I cancelled the order. Meanwhile, the icemaker arrived right away and it remained in the box unopened. SSYW continued to bill me monthly on the promise of delivery. After making payments monthly, SSYW changed their website for payments and charged me late fees for the cancelled orders. Speaking to them on the phone brought promises of sending me a shipping label for the icemaker after they passed the request of " my manager ''. Finally, they announced the icemaker had a " 30 day return policy '' from date of purchase. I asked them to prove the policy and they refused. Attached it our email back and forth. They attempted to send me a check for {$190.00} and change which I threw away as I did not wish to cooperate with the " 30 day policy of no returns ''. Therefore, SSYW can not show any payment for this amazing hassle of trying to buy a product for our XXXX, and including the {$20.00} postage for sending the icemaker back, attached, and the payments on the non-existent refrigerator, I am owed {$480.00} by Sears Shop Your Way. The account remains open as far as I can tell.

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 2021-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NE

Complaint narrative:
I received a letter dated XX/XX/2021 from XXXX XXXX XXXX XXXX claiming they are trying to collect an alleged debt of {$680.00} for the " current creditor, '' LVNV Funding LLC, which is a debt collector that is attempting to collect an alleged debt for another creditor, XXXX XXXX XXXX, XXXX. 

There has been no verification or validation of an alleged debt from LVNV Funding LLC, nor any proof that either company is legally allowed to collect debt in the State of Nebraska.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: CA

Complaint narrative:
XX/XX/XXXX I contacted 21st Mortgage to let them know my hours have been cut because of Covid and I would be unable to make my mortgage payment. 
They didnt have any answers for me because they did not know what was going on either and then in XX/XX/XXXX I contacted them again to let them know as soon as I receive my stimulus I would be able to pay them unfortunately I did not receive my stimulus until XX/XX/XXXX a year later. 
My main problem is that my mortgage is not federally backed it is not XXXX XXXX or XXXX XXXX. So they are not following the government guidelines either! 
Ive even contacted them in XX/XX/XXXX and I also had HUD out of XXXX California on a three-way call to contact them to help me get help with my mortgage and they just kept saying no they had nothing to help me and that I would just have to pay the full amount including the lawyer fees and late fees in order to catch the mortgage up And reinstate it! 
Now in XX/XX/XXXX I receive a statement on my home that they were going to start foreclosure proceedings and I contacted 21st Mortgage again in XX/XX/XXXX asking them if they had anything that they could help me with or if we can make a settlement on the {$12000.00} they wanted and they just said no in order to reinstate my mortgage I had to pay the amount in full! 
21st Mortgage is being very stubborn and not helpful in anyway with this pandemic that is thrown this country into a horrible state!!!! PLEASE! SOMEBODY HELP ME KEEP MY HOME!!

Company response to consumer: Closed with explanation