vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am the authorized decision maker on my mothers citi diamond card she verified and wrote my name down as a authorized decision maker lady i talked to over phone spoke with my mom after the account has been activated and approved for use, when i wanted to use the card she told me i could not until i gave her a different card number where my mother was the primary account holder she then made me at point of the account will not be used give her the XXXX  credit card number and security code, she said she was doing her job and then then said i will call XXXX  then we spoke and the card was ready for use

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 2021-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion displays innacurrate employer ( XXXX XXXX ) on credit 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 explanation
Consumer complaint received 2021-04-04 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.
State: PA

Complaint narrative:
Hello, thanks for receiving my complaint. I have an account with Coinbase. 

On XX/XX/XXXX, my Coinbase portfolio account contained, XXXX. 

On XX/XX/XXXX, I decided to use XXXX of the existing cash balance in my account to buy Bitcoins and I bought bitcoin but then about 1/2 later I sold the bitcoin for XXXX USD. I believe I transferred this money out of Coinbase to my bank account. 

Also on XX/XX/XXXX, I decided to withdraw the remaining {$4600.00} cash from Coinbase and I transferred the {$4600.00} to XXXX and then to my bank account with the XXXX Federal Credit Union. 

I received notices from Coinbase that bought, sold and transferred as described above. 

A few hours later, I received notices from Coinbase that I needed to pay them {$8200.00} or my account would be closed and anything in their would be sold. 

I think what happened is the Coinbase processing time lagged behind my purchase, sale and withdrawal and now my account is frozen with a portfolio balance of {$8200.00} with Coinbase saying that I need to pay them this amount in 5 days or their going to close my account because I violated the terms. 

I created a ticket requesting a statement of account and I received a reply telling that since my account was disabled, that Coinbase could not issue a statement.

I also created a ticket asking Coinbase to please rectify my account.

I also contacted my credit union because then Coinbase tried to withdraw {$4000.00} from my bank account. Coinbase also tried to collect the {$4600.00} that I deposited into Paypal and they may have collected this money because it has not yet deposited into my bank account.

Can you please help me it's all the money that I have?

Coinbase says I have 5 days but I did not do anything wrong. 

I am attaching a : XX/XX/XXXX, Portfolio Balance {$8200.00} XX/XX/XXXX notification from Coinbase that I sold bitcoin for {$4100.00} and a XX/XX/XXXX notification form Coinbase that I my withdrawal for {$4600.00} started. 

In another situation on XX/XX/XXXX, after I withdrew {$3900.00} after selling all of my bitcoin. I transferred {$1900.00} to my bank account and I transferred {$1900.00} to pay for my credit card. 
The next day, without any notice to me, Coinbase withdrew {$1900.00} from my bank account. I created a Coinbase ticked and the response that I received was, " Coinbase resolved and closed your case. '' I never received any more reply. But I also created ticket requesting a Statement of Account and I am unsure if the reply related to my request for a Statement of Account. I never received the {$1900.00} refund.

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

Complaint narrative:
On XX/XX/2021. I received XXXX+php payment from my trade to my paypal account . Then the paypal hold my the said payment and email to my email account. Asking for the details of my transactions and also presenting my valid id. Then i give it all to settle my onhold paypal amount, paypal send a message about the review of my transactions in 3 working days.After a days paypal email me to informed that my account permanently limit and not able to do any transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
To whom it may concern : Five years ago I purchased a home with my husband and initially started with XXXX XXXX. Four years ago our loan was transferred over to Loan Care and there began our problems! We have never been late with our payment but Loan care has mismanaged our escrow account, allowed our homeowners ' insurance to cancel only to put force-placed insurance at a higher price and has botched any an every management possibility of our mortgage servicing by them. Nor have they responded to emails, phone calls or the complaints I have lodged in the past. Our mortgage payment continues to go up and we are concerned that they are mismanaging our loan, escrow account and have swindled us out of money! Unfortunately, we are not the only ones! We are part of a Loan care and XXXX blog that has several complaints against them numbering in the hundreds, who like us are looking to help against a servicer who continues to mismanage our account. Day by day we continue to fear that we will eventually be pushed into foreclosure due to their sloppy managing. Just recently I called them to see if them in XXXX of 2020 to see if we could pay for our own home insurance and we were denied. I was told because it was an FHA loan they would have to continue to pay it themselves from escrow. However, when I called to check if they had made payments the representative told me no we have not. Thank XXXX I had the home owners insurance debited from my bank account otherwise the my home owners insurance would be cancelled and they would put force placed insurance on us again like the first time around. They didnt pay our home owners insurance then either and our insurance company cancelled our policy. Since then our Home Owners Insurance has gone from {$1000.00}. to {$3000.00} Recently we received a letter from Loan care stating that our escrow account is short yet again for {$1800.00}. Upon receiving this letter I immediately called in but the representative I spoke with couldnt give me any clear answers and therefore, I requested the call be escalated and for her to have a supervisor call me. To date no supervisor has ever called and I need your assistance! This company is the subject of many class action lawsuits due to their poor track record of servicing home owners loans. I really hope you can help us! Thank you.

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 2021-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
1. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Transunion is only one Bureau who keeps reporting this negative account on my credit history. 
I am a victim of Identity Theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: IL

Complaint narrative:
On XX/XX/21, I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 60 days and I have not received a response yet. With COIVD going on I understand that it may take a little longer to process my request but over 60 days??. According to Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason for immediately remove those items from my credit report, it has been over 60 days therefore they should be promptly deleted. I demand these accounts be deleted immediately or I will file for litigation due to failure to comply with the laws set in place and the time and financial restrictions these items have placed on my family and I. I am not sure but under the impression that the inaccuracies are a result of my information being involved within the equifax data breach and may have been taken by someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, my credit report was pulled for an auto loan. Upon receiving the return information, I was told that I have a repossession on my credit for a vehicle that was totaled in a accident in XX/XX/XXXX. The vehicle was never ceased or repossessed. This has been inaccurate. I. Addition, this reporting has damage my credit and history. Also, I am in a ligation for this loan lender for settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
XXXX Direct Loan Subsidized Balance {$2300.00} XXXX Direct Loan Unsubsidized Balance {$6800.00} XXXX Direct Loan Subsidized Balance {$2300.00} XXXX Direct Loan Unsubsidized Balance {$6300.00} XXXX Direct Loan Subsidized Balance {$2400.00} XXXX Direct Loan Unsubsidized Balance {$4400.00} XXXX Direct Loan Unsubsidized Balance {$2500.00} XXXX Direct Loan Subsidized Balance {$1300.00} Navient is not taking full affect that i have filed a police report for identity theft due to these loan that i did not get. I don't go to school or haven't been to any college before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: NJ

Complaint narrative:
I am locked out of my binance.us acct and sent all the asked for documentation and havent heard back in over a week.

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

Complaint narrative:
I normally sell goods on XXXX, but I don't know why my money was taken away by PayPal .I am a legal American citizen .I did not sell any illegal products. 
PayPal - negative {$6800.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$6800.00} XX/XX/XXXX Transfer You reported a problem with this transaction. See the status of your case in the Resolution Center. 
Paid with Balance {$6800.00} Transaction ID XXXX Seller info PayPal Note {$6800.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Social Finance, Inc.
State: TX

Complaint narrative:
I had a XXXX mail account hacked in XXXX and they used this for an extensive, sophisticated identity theft in which, on XX/XX/XXXX, they hacked and attempted to hack all of my other accounts including investment accounts. They also attempted to take out dozens of loans and credit cards in my name. I immediately froze my credit with all of the agencies, changed my passwords, and set up all of the precautions I could think of. I immediately appealed accounts started in my name. This effort continued through the rest of XXXX and lingered through most of XXXX and I thought I had stopped and limited the damage, although I am still dealing with consequences. 

In XX/XX/XXXX, I found out that one of these accounts, at SoFi lending, was not appealed correctly in the fracas of XXXX. In the three months, they had reported a debt of {$10000.00} to a collection agency. I immediately requested a fraud packet from them, and completed it, including a full police report of the XXXX identity theft. 

It took them over a month to review this, which included not receiving the police report which had to be eventually resent by certified mail. They let me know last week that they have determined that the debt is in fact owed by me and they will not be classifying it as fraud. They have not been able to tell me why this is the case, nor the address or account or any details to whom the {$10000.00} was remitted to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
RESURGENT CAPITAL SERVICES OBTAINED AND BOUGHT A XXXX XXXX ACCOUNT WHICH WAS COVERED UNDER A BANKRUPTCY COURT ACTIONS SO FILED WITHIN THE XXXX KENTUCKY DIVISION OF THE UNITED STATES BANKRUPTCY COURT, REFERENCE ID # XXXX, ACCOUNT NUMBER ENDING IN XXXX ; ORGINAL CREDITOR WAS XXXX XXXX, THE CURRENT OWNER OF THIS OLD DEBT ACCOUNT WAS PINNACLE CREDIT SERVICES FOR A BALANCE OF {$1200.00}, THE ORGINAL ACCOUNT OWNER WAS XXXX XXXX XXXX. THIS ACCOUNT UNDER PENNACLE WAS DIS-CHARGED IN A BANKRUPTCY ACTION AND DUE TO KENTUCKY LAW OF LIMITATIONS THEY CAN NOT OBTAIN ANY FUNDS FROM ME TO PAY WHEN IN FACT THEY ARE NOT ENTITLED TO BRING A LEGAL GROUND FOR DOING SO, THEY ONLY INTEND TO RIUN MY CREDIT AND REPORT AGAIN AN OLD DEBT TO ALL THE CREDIT REPORTING AGENCYS SUCH AS, XXXX, XXXX, XXXX, THEY IGNORED A WARNING LETTER AND A CEASE DESIST LETTER AS WELL, THEY CONTINUE TO HARRASS ME AND MY FAMILY MEMBERS WITH CORHESIVE TATICS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: NV

Complaint narrative:
On XX/XX/XXXX I received a text alert stating money was being withdrawn from my account. A total of {$810.00}. I call the company Netspend and canceled my card and order another. I disputed the charges XX/XX/XXXX. I filed a police report with XXXX XXXX Police Department case # XXXX to assist with the investigation. I have sent emails over 10 and also fax documents over to them and they keep saying they have not received them. I feel I will not get a thoroughly investigation and will be tossed aside. I also discovered other withdrawals on XX/XX/2021. In total {$1600.00}. Please help me.

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 2021-04-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I, XXXX XXXX XXXX received a written communication from Toyota Financial Services indicating they are in the debt collection business and stated that the communication was an attempt to collect a debt. Pursuant to 15 USC 1692c a debt collector may not state that the consumer owes a debt nor may they use any language or symbol on the contents of any communication which indicate a person is in the debt collection business pursuant to 15 USC 1692b.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been charged {$280.00} in the last 12 months for capitalized interest. I have never asked for a deferment or missed a payment in the last 12 months, yet I was charged this interest anyway. My loans were put into deferrment without my permission. I continued to make full payments while my loans were put into this involuntary deferrement. 

I wrote to Navient and asked Navient to reverse the {$280.00}, but Navient refused. Instead, in the reply from Navient, it stated that they received an update from my school and automatically deferred my loans. I never asked for Navient to do this! In fact, I dropped classes multiple times over the last year and have NEVER had XXXX XXXX student status for any entire month in the last 12 months. Navient acknowledged that I dropped the classes, but refuses to adjust the fees. The fees are equal to an entire monthly payment. 

The Navient representative told me that in the future, I can request that Navient update my account status so that school deferrment is not automatically processed. Of course, there were zero instructions on how to make this request and I do not see on their website where this is possible. 

Also, now that I am attempting to pay down my loans more quickly, Navient keeps changing my loan terms. Two times in the last six months the terms of my loans have changed -- both of which have the impact of lowering the monthly payment and extending the loan term, and increasing the amount of interest that I will pay to them. In addition, I paid two times in XXXX, the first payment was for the amount due and an additional {$45.00} and then 19 days later I made another paymnet of {$2000.00}. I expected the entire {$2000.00} would go to the principal since it was an extra payment made within 20 days of the first -- but instead I was charged {$2.00} of interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX XX/XX/2021 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX TO : Inspector General Dear Sir : This letter is to inform your office that over the last 5 years Bank of American has failed to address our concerns in writing therefore, we are asking for an investigation over our new allegations ( theft of funds ). 
Bank of America refuses to help us refinance our home after we owed less than {$40000.00} XXXX dollars on our home loan. Due to covi-19 we lost part of wages and now were heavily in debt to our creditors. We have had a history with Bank of America for over 29 years. WE have never missed our mortgage note. I have worked at the same job for over 29 years. But Bank of America has no heart in helping people near are around the XXXX. XXXX XXXX with certain zip codes. 
After find a lender to pay off our mortgage with Bank of America there was an over payment. We are requesting that you investigate whey Bank of America refuses to give us back the money in our escrow account since they are no longer the lender. Also it was an over payment to them for the pay off on the house as well. 
Bank of America will not give us our refund back therefore, we need your office to investigate whey this Bank thinks they can steal our money. 
-New Lender XXXX XXXX pay off -- -- -- -- -- XX/XX/2021 Over payment -- -- -- -- -- -- -- -- -- - Escrow account {$1100.00} Pay-off to Bank of America by XXXX XXXX  -- - {$40000.00} We owed Bank of America about {$38000.00} ( account number XXXX ) So, we want our refund from Bank of America now. 
Thank you Sincerely yours XXXX 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 2021-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I, XXXX XXXX XXXX entered into a consumer credit transaction with Schools First Federal Credit Union for the purpose of obtaining property on credit on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defined the finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but Schools First Federal Credit Union made me purchase it separately. Schools First Federal Credit Union also failed to provide my with the proper rescission forms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank has unilaterally decided to lock my access to my online accounts due to alleged suspicious activity ( however there has been NO suspicious activity ). The bank failed to notify me of the purported suspicious activity or their locking of my account. The only way I discovered that I had been locked out was when I needed to make an urgent transfer ( my son is in desperate need of funds ) and I got an error message on the website that said to call the bank because my account had been locked. I called the number it said I needed to call ( it was just the generic bank phone number ). I went through every option available- but every option said the bank is closed, call back when customer service is open, even for reporting fraud. It is XXXX weekend, so I must now wait several days to get someone. It is also tax time and I need to access my account for that as well. I kept calling and calling every Chase phone number I could find on the internet with no luck. I finally got a person on the credit card fraud line, but they said they could not open my business account, only my personal account. They helped me do this, but the account prohibited me from making any payments or transfers, so it was useless.

Company response to consumer: Closed with explanation