vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
I received 2 mailings on XX/XX/2021 from SunTrust bank. One for checking, the other for savings. I did not open any accounts with SunTrust, nor have I ever done business with them. I called and they verified that they had my social security number. They said they would cancel both accounts. Yet I later received a statement from them. 
I asked for info on the criminal who has my social security number and if they could shed any light on this. But they refused. 
Also, it is very strange that they opened 2 new accounts with no funds. Every bank account I know of has a minimum deposit in order to open the account. How could they open accounts with no money?

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 2021-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
On XX/XX/2021, I received a notice that Caliber Home Loans paid my property tax for XXXX. I called Caliber and asked why that happened? The customer service rep said she would investigate. 

She told me that I was delinquent with my taxes. I told her that I was NEVER late when it came to paying my property taxes. She investigated further and found that I was {$.00} short. I said seriously? She laughed and said yes. With that, I let her know that I would cancel my scheduled tax payment with the city and would send the money to Caliber to so there would not be an outstanding balance. 

I called Caliber after the check cleared ( Approx. XX/XX/XXXX ). I spoke to a CSR, told them what happened and also let them know that I wanted the {$3100.00} to be applied to the outstanding escrow account and the account closed as I don't have escrow per my contract. They said they would do it and not to worry. 

In XXXX, I received a notice that I my payment would change in XXXX and that I would be forced into an escrow account. I called Caliber several times and was told that this would be taken care of. I got another notice that said my request was denied. The notice stated that I was delinquent with my taxes and I didn't put my request in writing. I put my request and back up documentation in writing. I was still denied. 

I called Caliber once again and asked to speak with a manager. I explained to the manager, XXXX, # XXXX, what happened. She responded that I was delinquent with my taxes and I would have to wait twenty four months to have this looked at again. 

I explained once again that I was not delinquent, I was short {$.00} cents. I said that they were forcing me into escrow because of {$.00} cents? She would not budge and kept insisting I was delinquent. 

I have NEVER missed a mortgage or tax payment. My monthly payment is now going from {$1200.00} to {$2700.00}, An increase of {$1400.00}. My taxes are only {$13000.00}. They are now asking for {$17.00}, XXXX for escrow?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX Experian continue to report an address in XXXX XXXX Michigan where I have never lived. A person with the same name XXXX XXXX XXXX received a speeding ticket in XX/XX/XXXX on the Ohio XXXX which was settled according to XXXX County Court records, and discharged in XX/XX/XXXX with a note from the Judge not to use in subsequent reporting. I contacted a Lt in XXXX XXXX Michigan to advise that I have never lived in XXXX XXXX or anywhere in Michigan. Experian has been advised of same. I have lived in the City of XXXX, Illinois for 65 years. This inaccurate data has been disputed with Experian with documents from XXXX County Court in Ohio, and yet it reports this as a part of credit monitoring. Most recent reporting as of XX/XX/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 non-monetary relief
Consumer complaint received 2021-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/2021, I have transferred XXXX ethereum from XXXX XXXX  on XXXX XXXX to Coinbase XXXX  account. I had no idea that I had to " bridge '' my funds before transferring. Also nothing on XXXX XXXX  warned me about bridging assets at the time of transfer ( now, after thousands of people made the same mistake, they warn people to bridge before sending ) As a result, my funds are stuck at the address that was provided to me by Coinbase XXXX  but on XXXX XXXX. XXXX ( aka XXXX ) help desk has said that they can see the transaction, and the coins are sitting at that address, but only Coinbase XXXX can help me since they hold the keys to said address. I have asked for those keys to the address since they belong to my account, I was denied access. Coinbase XXXX  help was inadequate and they closed my service ticket without giving me a final word on the issue. Other exchanges ( XXXX, XXXX., XXXX  ) do offer solutions for their customers that are in similar situations. This proves that those funds are recoverable. Coinbase customer service is unacceptably slow and doesn't provide solutions to their customers. As a result, at the time of writing, I am sitting on a $ XXXX loss. 
Also, while it took me over a month to receive an automated email from Coinbase support, on XX/XX/XXXX, a popular XXXX  account has XXXX  that he made a similar mistake. Because he is a popular public figure, Coinbase Support reached out to him in 1 hour. Meanwhile there are people with 3 month old service tickets. I don't think this is fair practice. I have attached a pictures. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I upgraded my Amex Gold card to an Amex XXXX  card in XX/XX/2021 upon receiving the following upgrade offer : - Spend {$2000.00} within six months and get XXXX Membership Rewards points - Earn an additional 9x Membership Rewards, up to {$15000.00} in spend, at grocery stores for a total of 10x Membership Rewards I completed both of these requirements in XX/XX/2021. Representatives via phone and chat have confirmed that the offer is attached to my account and I should have received the points. Terms of the offer state that I should have received the points within 8-12 weeks of purchase. That timeframe passed in XX/XX/2021, and I subsequently opened an investigation with American Express. The company has not responded to my requests for an update, and has not posted any bonus points. The total bonus points due are XXXX + XXXX ( 9 x {$15000.00} at grocery ) for a total of XXXX Membership Rewards points. 

I am asking the CFPB to contact American Express for an official response. No more investigations. The points should be posted in accordance with the bonus offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: MS

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX FKA XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
My XXXX Taxes were based on 6 % versus 4 % as they always been and my taxes jumped up last year, My Mortgage company made the payment in XX/XX/XXXX for the Amount of {$3900.00} when it should've been {$1300.00} and that caused my Escrow balance to be negative, I contacted tax office and went there personally and proved them that i live there and it's my primary residence, they did another Tax bill at 4 % and Reimbursed My mortgage the difference of XXXX on XX/XX/XXXX, it's XXXX and I am still paying for the extra amount to bring my escrow to date, My girlfriend lost her Job and i am struggling with bills and couldn't make the XXXX payment on time, they reported me to the credit bureaus and now this is hurting my credit, i have contacted them several times to see it they can at least help me with that late report, was told they can't do that and the earliest my account will go back to normal would be XX/XX/XXXX, I would like to submit this complaint because i feel they have the tools to correct this since they got the refund back from tax office 5 month ago, i can be reach by phone if someone wants to call me and get more information. 
thanks in advance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: ME

Complaint narrative:
I received an offer to settle in the mail and I paid it. The company that is reporting on my credit will not respond to calls and I can not remove this via a dispute multiple times. I have the letter I was sent and a confirmation of payment. I paid the amount requested the day I received the letter which I believe was XX/XX/25 the letter said I had until XXXX to accept one of the 3 arrangements. I paid it now I can't get it updated or removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I never authorized a digital wallet account, it was closed when I requested it to be however I was still being responsible for the charges thur XXXX. The XXXX account was also closed due to fraud because of the charges that were not recognized .Then this escalated up to Chase bank where the charges were applied. Which at this point in time could not be rectified because of covit shut downs. After many attempts thur faxes and emails during covit I was still being told that I was responsible for the charges. This problem is occurring on multiple chase cards from the same company, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
On XX/XX/2021 I requested a new XXXX payment account for my Bank of America Visa card. On XX/XX/2021 Bank of America Visa made 2 deposits and 1 withdrawal to the requested XXXX payment account for verification SEE ATTACHMENT. I provided the deposit information to Bank of America Visa, they verified the account, adding it to my payment sources. On XX/XX/2021 I processed a payment to Bank of America Visa from the " Verified '' XXXX payment account for the due date of XX/XX/2021. On XX/XX/2021 Bank of America Visa credited my account for the payment but several days passed and my XXXX account had not been debited. On XX/XX/2021 I contacted Bank of America Visa telephone customer service to inquire why my payment account had not been debited. They claimed that I had labeled my payment account as " checking '' rather than " savings '' which some how rejected the payment. Bank of America Visa locked my online payment portal because of the problem. The Bank of America Visa telephone customer service representative told me it may take a day or 2 to unlock my payment portal. On XX/XX/2021 the payment portal was still locked so I contacted XXXX at Bank of America Visa telephone customer service at XXXX CST to make a payment. I gave XXXX the XXXX payment information ; including the " savings '' designation that I had been told was the initial problem making the original payment. This XXXX payment did not process as well. On XX/XX/2021 I added XXXX payment account to my Bank of America Visa account. Verified XXXX on XX/XX/2021, made the payment that Bank of America Visa credited on XX/XX/2021 and the debit to my XXXX payment account occurred on XX/XX/2021. On XX/XX/2021 I contacted XXXX at Bank of America Visa telephone customer service at XXXX CST requesting a refund for the {$25.00} returned check penalty they debited from my Bank of America Visa XXXX XX/XX/2021. XXXX attempted to process a credit but the system rejected my request without explanation. XXXX informed me that Bank of America Visa has no escalation available to dispute this charge.

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 2021-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
The problems started in XX/XX/2021 when a representative from the Navy Federal Credit Union caused errors on my account due to my checking account being hacked. From that time on I had problem after problem with that credit union. Then yesterday, I found out that they closed my checking account. I had previous disputes with them on a transaction concerning XXXX XXXXXXXX. I had submitted a 2nd request for review of the situation. Yet, I never received even an acknowledgement of the email. The next thing I knew noticed was my account being closed and I received a letter. I am absolutely disgusted and apalled by this Navy Federal Credit Union. I have serious health issues and I don't not need this unnecessary stress. Everyone at the Navy Federal Credit Union always had a different story to tell about any question someone has. They are very confused and do not what they are doing! I Tried to close my savings account with them this morning as was not able to do so because the female representative said she didn't know how to do it! This is the most disrespectful, inhuman, uncaring, unknowledgeable credit union I have ever been associated with! They should not be allowed to treat people that are ill any type of way. I am now having to wrongfully pay {$91.00} because of an issue that was not my fault. I do not want this to be place on my credit file so I have not other recourse at this time but to pay this. However, I do not agree with this false debt that they claim I owe!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
The company is FORD MOTOR CREDIT : I have sent in a police report and other case identifying information. That this account was obtained without my knowledge or consent. My credit/debit card, social security card, pieces of mail and etc. Had been stolen. XXXX  refuses to remove this items for fraud. Both of the other credit reporting agency have removed all fraudulent items. XXXX  keeps updating the fraudulent item with FORD MOTOR CREDIT and putting it back on my report. This items is fraud and should be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. 

I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
on XX/XX/2021 and XX/XX/2021, I was charged additional fees on my credit card of XXXX and XXXX respectively. I have recurrent payments of XXXX that are debited every month from my bank account to pay on my Citibank cc which I agreed to. I never agreed to any additional fees or payments and I've contacted Citibank about this matter. I find this issue to be very disturbing.

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 2021-08-05 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: CITIBANK, N.A.
State: AL

Complaint narrative:
I purchased a set of headlights from a gentleman in XXXX for {$4800.00} on XX/XX/2020, using my Citi credit card through XXXX. When the lights arrived, one was damaged. I was unable to receive compensation for the damage from the seller, so I disputed half of the amount with Citi. I was awarded the disputed half at {$2400.00} ; however, the remaining {$2400.00} ( the full payment balance ) was also pulled from the vendor by XXXX and never returned to either the vendor nor myself. I have contacted Citi and XXXX at length, and have been told repeatedly by Citi that only half was disputed the half and they have no control over the other half, and by XXXX that the full amount was pulled from the vendor and returned to Citi. Citi needs to work with XXXX to determine where that other half of the money is, because as of right now, 9 months later, neither party has that {$2400.00}

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 2021-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I purchased a set of headlights from a gentleman in XXXX for {$4800.00} on XX/XX/2020, using my XXXX credit card through Paypal. When the lights arrived, one was damaged. I was unable to receive compensation for the damage from the seller, so I disputed half of the amount with XXXX. I was awarded the disputed half at {$2400.00} ; however, the remaining {$2400.00} ( the full payment balance ) was also pulled from the vendor by Paypal and never returned to either the vendor nor myself. I have contacted XXXX and Paypal at length, and have been told repeatedly by XXXX that only half was disputed the half and they have no control over the other half, and by Paypal that the full amount was pulled from the vendor and returned to XXXX. XXXX needs to work with Paypal to determine where that other half of the money is, because as of right now, 9 months later, neither party has that {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
Portfolio Recovery Associates was contacted on XXXX XXXX dispute inaccurate information with them. They re-aged my account for a date XXXX XXXX stating thats when I opened the account which is illegal under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
Amsher Collection is a fraudulent account on my credit I didnt open this account nor do I have any idea what this account is please remove this account from my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I contacted TransUnion on XX/XX/2021 to ask them to dispute inaccurate inquiries on my credit file. After being on the phone for almost an hour, the representative refused to submit a dispute. Under FCRA I have the right to dispute anything on my credit file that I feel is untrue and 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 2021-08-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have challenged several inaccurate and false accounts on my Equifax credit report. However, they have failed to properly, legally and transparently investigate these accounts which are damaging to my reputation. I hereby ask the CFPB to ensure Equifax deletes these accounts after any re-investigation which must be completed within 30 days or less. Below I have attached the most recent challenge letter I sent to Equifax about these accounts to aid their deletion.

Company response to consumer: Closed with explanation