vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-01 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
My XXXX statement with Goldman Sachs is incorrect. On XX/XX/XXXX I received a refund for a transaction that I didnt want in the amount of {$10.00}, but when the XXXX balance is calculated I never received the amount refunded. They still charged for XXXX. When I asked their so called specialist, they agreed with me that there was an error but they were unwilling to correct it. I waited until the next statement thinking it would be corrected but the balance was never corrected. Plus the installments figures do not add up. They said the installments are XXXX but I only pay XXXX. Basically the statement is all wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase did not forward my proceeds from a sale to my linked XXXX account as agreed. 

They stated they had technical difficulties I only received automated responses. 

Attempted 8 times with no resolution Contacted XXXX they stated no transfer was ever attempted by Coinbase Many Coinbase users are now starting to complain on forums like XXXX with same exact issue on this date XX/XX/2021. Not certain if actual amount of people in could very well be in the hundreds of Coinbase users. 

Although my amount is small {$100.00} There are complaints by some claiming they have lost thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I was told to contact XXXX XXXX XXXX at XXXX, They declined to provide any information. This was last week. The report was filed by Chase but my own bank XXXX XXXX XXXX also refused to open a business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Today, XX/XX/2021, I received a statement via snail mail for a TD Convenience Checking account for the period XX/XX/2021 - XX/XX/2021. I did not open the account. I immediately called TD Bank XXXX to inform them of the fraud. I spoke with '' XXXX '' who said that he would speak with the fraud department and let them know. I asked him to email me a statement that I had reported the fraud, as proof that they are aware of the fraud and that I have reported it. He refused. I insisted that I need some proof that TD is aware that it is fraudulent, in case somebody tried to take out a loan or credit card in my name. He refused, then hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Since XX/XX/XXXX of XXXX my account has been withdrawn of - {$400.00}. I have never authorized them to let payments go through when there isnt any monies in the account. I have complained and I am willing to make arrangements if need be. But I have accessed overdraft fees and Im not willing to pay that.

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 2021-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: LA

Complaint narrative:
Upon checking my credit file I saw this company enhanced recovery ( ERC ) that I have never done business with about a alleged debt that is not mine. They have never contacted me nor provided me with legal documentation about this debt. Please remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: IL

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 us code 1681 and 15 us code 1681b ( FCRA ). This made me frustrated especially when accessing to a different form of credit I needed for me and my family. I had no choice but to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
During the height of the COVID-19 Pandemic, someone accessed my personal information and proceeded to open a checking account with a banking institution. Once opening an account they proceeded to use fraudulent checks to deposit and withdraw in an account in my name. I had no knowledge of this account as this wasn't an institution that I banked with previously. I was made aware of the problem once a notification was sent out via mail that the particular had been closed out. I tried calling the bank 's customer service representatives however during the pandemic waiting hours on the phone were 4-5-6 hours long. As a result, I was not able to get in contact with the banking institution until this year. All of this has affected my relationship with other institutions and negatively affected my credit. The particular institution did send me an identity theft packet and this complaint is for the records of the FTC and the bank. The checks were deposited and cashed in Mid XXXX, Early XXXX of 2020, and the amount of the checks were {$1700.00} that is said to be owed from the fraudulent checks deposited into the account opened using fraudulent information. Chase Bank soon thereafter closed out the account with a negative financial inquiry under my name and identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: MA

Complaint narrative:
Hello, My mortgage company ( loanDepot NMLS # XXXX ) have failed to pay the taxes out of the escrow account that I have been paying into. I have called and talked online with them at least 5 times as well as emailed to their tax department. They claim they've paid the taxes on XXXX ( they were due by XXXX ) by wire and show withdrawal from my account, however the town have not received the payment almost a week later. And they only sent the original amount without interest accrued as a result of missing the deadline. Please help. 

Thank you! 

P.S. Last communication was via online chat with employee XXXX XXXX said the identification is XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Paypal calls multiple times every day and doesn't leave a message. On XX/XX/2021 they called me at XXXX XXXX which is inconvenient to me, prior to me being at a funeral.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01 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: DriveTime
State: NC

Complaint narrative:
There are unknown hard credit inquiries listed on my credit report by DT CREDIT, that I have no knowledge of with dates of XX/XX/XXXX and XX/XX/XXXX. DT CREDIT company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
In late XXXX I used Coinbase to purchase XXXX, the first transaction was on XX/XX/XXXX and this was a total of XXXX ( not including fees ), and then another transaction on the XXXX XXXX and this was for XXXX ( not including fees ). For around a month now, I have been in a constant battle to get my account 'verified ', every time I email them I get the same response of them having a high quantity of emails. This of course is causing me some distress as during this time I have absolutely no control over my own money that is in my account. I have been trying to sell my XXXX and withdraw for 4 weeks now, and there doesn't seem to be any progress, despite multiple requests to the company. 
It seems crazy to me that they were able to take my money absolutely fine, but when it comes to taking it back, they don't seem to want to know. 
My biggest worry is that crypto may crash and I will have absolutely no control and I will loose all my money. I am very worried. 

Any help is super appreciated! 

Many Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We submitted a wire to XXXX XXXX on XX/XX/21. Wire was submitted to there United States bank account ( XXXX XXXX ) after 2 days. XXXX XXXX confirmed there payments team had no records of a wire transfer from my account. XX/XX/21 chase bank got in contact with XXXX  and were told the wire was missing information and thats why its being held, no communication on what the missing information was. Chase bank filed a recall on the wire the same day XX/XX/21. Ive been in contact with XXXX XXXX daily to confirm no changes, They still show no record. 
Wire amount XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BYL Collection Services
State: LA

Complaint narrative:
Upon reviewing my credit file Ive noticed a company Byl collection service also known as Byl Svc has been reporting to my credit file. Ive never done business with this company nor have they ever contacted me to prove this alleged debt. This account is fraudulent. Please remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: NV

Complaint narrative:
On XX/XX/2020, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days 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 hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: United Revenue Corporation
State: TX

Complaint narrative:
I have mailed documents to United Revenue Corp several times and have asked the debt to be validated, not verified. United Revenue Corp has failed to respond within the 30 day mark. XXXX XXXX 2021 I asked for the debt to be validated. XX/XX/2021, I mailed documents showing the incorections to my credit report, also the proof that the documents were signed and received and also that I never received a response back. XX/XX/2021 I still have not received any response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I am a victim of predatory lending and was told that I am included in a {$550.00} XXXX class action multi-state settlement. By Santander Consumer USA Manager XXXX XXXX ( on a two way recorded conversation which I have in my possession ). 

Santander consumer USA /Chrysler capital refuses to provide a copy of my loan application, nor will they go over it with me ... After expressing concern that information on there may have been manipulated by the dealer, for Chrysler Capital and Santander Consumer USA interest.. 

In addition, I was recently informed that an internal score was used to approve my loan ; which I was un-aware of upon signing the contract. 
Failure of Chrysler Capital/Santander USA to disclose said information ; left me with NO other options to shop with other lenders. Santander Consumer USA/Chrysler capital refused to furnish me with my internal Credit score. 

Although, According to the Fair Credit Reporting act they MUST maintain all information. I believe I was lied to, and taken advantage of. 

Lastly, my APR was NOT disclosed to me during signing on XX/XX/2018 Moreover, they knew I would default on the loan and my first missed payment was XX/XX/2018. XXXX XXXX was XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
I was violated by FORSTER & GARBUS LLP. During the year of XXXX  as I was attempting to entering a transaction for a sale of a property. I was informed of a lien on the property by FORSTER & GARBUS LLP, for the amount of {$38000.00}. Exhibit A provided show how I was violated by FORSTER & GARBUS LLP, pursuant to the fdcpa. Violations 15 USC 1692a ( 5 ) ( 6 ), They alleged I was the consumer of the debt also they were/or is acting as debt collector even though they are a law office. Violation 15 USC 1692b ( 5 ) Not use of language that indicates that the debt collector is in the debt collection business. Violation 15 USC 1692e ( 1 ) ( 2 ) -- False representation that FORSTER & GARBUS ARE affiliated with the State of New York. Violation 15 USC 1692 ( 1 ) ( 2 ) Forster & Garbus reported inaccurate and negative on my credit reporting file, that made it hard to obtain credit. Violation 15 USC 1692h and Violation of 15 USC 1692j. Violation 15 USC 1692d ( 1 ) ( 2 ) obscene language and threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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 XXXX I sent a letter regarding inaccurate things on my credit report. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX to release my medical information to a third party. This collector/creditor did not provide HIPAA release to e able to collect n this debt.This is a direct violation of my HIPAA rights. I am proceeding with legal action, should this item not be deleted within the required time by law. I will also be seeking compensation as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Gm. I wanted to have Credit Acceptance investigated and the credit bureaus at fault for keep updating my dispute as VERFIED! I dont recieve nothing as proof showing how these amounts Are! You can't just verify on debt cause the creditors told u its valid..First I see they still reporting that I Involuntarily had the car repossessed when in fact mid XXXX of XXXX I called them and let them know I couldn't pay for the car at that time after being persuade to just call in if future payments couldnt be made but I let them know it wasn't looking good so thats why when the impoundment showed up one morning I gave him my keys ( Is that involuntary? ) Also, SINCE THEN THE CAR BEEN SOLD!. But they are saying I still owe the same amount after making payments over time and still same high balance in which over these few months I have disputed with the company and the 3 major credit bureaus, I just start noticing that every month on this CLOSED account that my balance gets higher and higher, also is being included as a OPEN debt in Balance of all my good standing accounts. I seen on XXXX after trying to research this company that they have similar law suits out against them for being deceitful and overcharging. I hope they not trying this tactic on me and hope this is a mistake. I never denied have a account with them but proof of how I owe this much and documents of how much car sold for and want to know, How they have the Right to keep Reporting to bureaus a different amount ever month? I hope we can find some resolvemment in this concerning matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I hope all is well.. 

I would like to state thank you very much for giving me a credit card with your company for all these years. Its very much appreciated. The first time in all the years I have had my credit card during the pandemic of the Corona virus I was late a couple times for the first times. I really do apologize my hours were reduced and I had a baby as well. It will not happen again because Im back working my regular hours and my newborn and son are in daycare while I work or my mothers watches them. Im about to pay the card completely off and as a courtesy can you please take off all the late fees that occurred because it was the pandemic fault. This will help me out a lot, I really do apologize this my first time being late a couple times ever since I started with the credit card. Please take all the late fees off. I will be paying the credit card off in the next couple of months. I really need the late fees off it will really help me. Thank you very much. Have a wonderful day and please be safe. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-01 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: GA

Complaint narrative:
Hi I was woking with my bank to start the process to get a house and saw alot of inquiries that were not mine. I filed a compliant with the FTC and I spoke with the bureaus and no help. I was told I can reach out to you all for help with this. I am doing this on my own and need help. I have listed all the inquiries on the attached FTC report.

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 2021-06-01 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: NY

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). I was so worried that this might affect my credit transactions in the future. I need this issue to be taken care of.

Company response to consumer: Closed with explanation