vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
After opening an account with citibank for a promotional offer, and spending a tremendous amount of time communicating with Citibank to actually receive the promotion, I decided to discontinue banking with citi, and went about closing my account. I withdrew all funds from my account, and used the " Citi XXXX '' feature to communicate that I wanted to close my account. The representative indicated that it was closed. 

Several weeks after I having been told by the citi representative that the account would be closed, I received a charge on my account of {$25.00} for having a " lower monthly balance than required '' for maintaining the account. Given that I had requested the account to be closed, this should not have occurred. It took me 3+ calls to Citibank ( over an hour each ) to try and resolve this issue. 

I eventually received confirmation that the {$25.00} charge would be reversed, and the account would be closed. One day after this occurred, I received a {$35.00} " overdraft fee '' on the account, as the account had a zero-balance, so the {$25.00} charge from citi was viewed as an overdraft. Not only is this an absurd practice, to charge overdraft for fees issued by the bank, but this seems like predatory activity. This also represents fraudulent activity, as the bank is prohibiting me from closing an account, and billing me for a service which I requested to discontinue, and had received verbal confirmation several times that it had been discontinued. 

I am now in the process of trying to resolve this issue, and anticipate that I will need to spend several more hours. This company should be heavily fined.

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 2021-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
Dear Sir or Madam, I do have a record of all email conversations with the Company Coinbase. 
XXXX XXXX 2021 XXXX was moved from my Bank XXXX XXXX checking account to Coinbase for a purchase of virtual currency Coinbase has this as an XX/XX/XXXX transaction.. 
-I informed Coinbase that I do not wish the transaction it turns out that the transaction as well as an earlier XX/XX/2021 transaction.was an automatic weekly withdraw they claimed I set up. 
-I have no recollection of this. There is no record my initiating automatic withdraws on my account at Coinbase.com. 
XXXX requested a refund for the XX/XX/2021 transaction and received an email that reclamation of funds was in process then on XX/XX/2021 received an email stating that their recovery of funds was complete. They stated my transaction was a failed transaction. 
-Yet my {$1000.00} was not in my checking account nor in my Coinbase account. I inquired about this to their support and would receive emails stating give them two weeks s few days later I would receive an email stating we hope you are satisfied with our action no explanation no action taken. This happened numerous times. 
-Finally I learned of their service for customers unsatisfied with their support team they were a little better and explained that the funds recovery were for funds they deposited while awaiting my funds to arrive.

-They also said in another email that my bank reversed the transaction and they never received my funds. After discussing with Bank XXXX XXXX they assured me that the funds were sent to Coinbase and the transaction was not reversed.

When I informed Coinbase of this they stated to send them the bank statement I did send the statement along with my XXXX showing the funds were sent to them and no reversal of the transaction. 
-Coinbase then sent me an email stating the funds were applied to my Coinbase account. I then requested my {$1000.00} that was still missing with their own words stating they applied the money to my account and received an email stating they hope I was happy with their service and they were closing my case. 
I requested to talk by phone Coinbase stated they do not make outbound calls as frustrating as my money missing perhaps equally frustrating is their insistence on not discussing matters by phone. This has only resulted in a frustrating email stating we hope you are happy or satisfied or something along those lines and closing the case while doing nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/2021 I was advised the US Bank intended to close my personal account ( XXXX ) and was told that their Loss Management Department would have clear it first ( 2-4 weeks ). After being notified I asked them to cancel and return an EFT deposit in the amount of approximately {$5600.00}. Their Customer Service department told me it was rejected on XX/XX/2021. The branch stated the same. I have a recording of that conversation. I later discovered that it was not rejected but instead deposited and placed on " Hold pending Closure '' with no estimate on the date of closure. 


That is unacceptable as all funds deposited were by wire transfer from my Fidelity account and are now being held by US Bank pending their review. When I call the branch, they hang up. When I call the XXXX number, they refer me to the branch. The branch manager is using personal animosity to delay my access. 

As a result, MY businesses will no longer accept US Bank branded products for payment, per the sign at the registers, stating that " We have no faith in the integrity of US Bank. ''

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 2021-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MI

Complaint narrative:
I filed a complaint against my mortgage servicer, XXXX, related to issues with processing previous forbearance requests related to financial difficulties brought on by COVID 19. XXXX responded to my most recent complaint by correcting their systems to show my account in forbearance for the period XX/XX/XXXX- XX/XX/XXXX. Prior to XXXX correcting this issue and providing the full forbearance period, I made five full payments to my account. These payments were made only because of the failure by XXXX to respond to my additional forbearance requests. Now that the issue was corrected and my account was placed in forbearance for the period noted, I believe the payments made during the forbearance should either be credited consecutively to the months following my forbearance period i.e. XX/XX/XXXX- XX/XX/XXXX or my forbearance period should be extended through XX/XX/XXXX. If this correction is not made, I will not have received the full 18 month forbearance that I am afforded under the Cares Act and provided pursuant to the letter I received from XXXX on or around XX/XX/XXXX. 

In addition to this concern, my account still shows due for XX/XX/XXXX when I log in to my account on the website. Upon taking the requested actions, please also correct the way my account reflects on the website so I can see the true and accurate status of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: U.S. BANCORP
State: NJ

Complaint narrative:
I made a payment ( with consent of my spouse ) of {$1000.00} on XX/XX/2021 as per the XXXX XXXX generated by US Bank. The checking account used for making the payment is in my Spouse 's name. XXXX allowed me to payment without prompting any warning and/or error during the payment process. Also, system allowed me to add my spouse 's account as External account for making payment. 

All of a sudden now, US Bank decided to close my account and forfeit all the Rewards due ( {$500.00} promotional offer after spending {$3000.00} in 90 days ) since only cardholder 's checking account can be used as per Authentication department of US Bank. 

This is not acceptable - my spouse is not contesting the payment then why US Bank is having an issue. I use my spouse 's account for making payment for my other credit card like XXXX- they never raise an issue.

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 2021-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Hello, I was trying to redeem my rewards for my Bank of America credit cards ( Premium Rewards ) and ( Travel Rewards Card ). I was unable to redeem them. I called customer service and they told me that my accounts ( credit cards ) were closed.. It is unfair for Bank Of America to close my accounts for no reason... I made valid purchases to EARN those points and they straight up hijacked and stole them.. All balances were always paid in full. 

If you could please help me redeem the points that I worked hard to earn that would be greatly appreciated! 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 2021-12-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax Confirmation # XXXX XX/XX/2021 Equifax did not send a complete credit report only 3 of 6 in which I did not ask Equifax to delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I ask Equifax to delete the added same address created by Equifax as duplicate address that was not right meaning no APT Number or letter not the address they added on the file not corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX! XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX is an address where my mail goes when I'm contracted for work in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX is still my primary address Equifax needs to provide proof that XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PA XXXX is former address by documented proof. 

XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX is not my primary address only mail goes there Equifax needs to provide document proving I own or rent that house by documented proof Equifax needs to stop adding address of no valid proof documented or proof of home mortgage from the creditor Equifax stated on page 3 of 6 no Employments reporting thats Equifax issues I been on same job for last 6 to 12 years with same employee My issue is Equifax delete info of employment but on another file say they verified employment on the date listed Equifax is only in business sell info and get money out consumers Equifax needs to stop creating false info and then telling consumers to go to there web site to pay them I would never go to Equifax web site and give them no info to gather and then recreate false info by so many errors of residence employment address error after error I have also filed at US attorney office and DOJ of the major issues I have credit reports going back last 3 years of proof of errors added address phone numbers employment in which was filed on as error after error and added by Equifax then complaint added then they remove it. created on one address 6 times with different settings of the same address XXXX XXXX XXXX XXXX XXXX NV please provide proof of the said address by documents i Live there at the said address other than mail going to the address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: SC

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I, the original creditor and consumer received a disrespectful debt collection letter from Nationwide Credit , Inc attempting to collect a supposed debt. The debt collection letter stated that Nationwide Credit , Inc is a debt collection company. With that being said, Nationwide Credit , Inc are subjected to follow the 15 USC Subchapter V-Debt Collection Practices by LAW. Nationwide Credit , Inc violated 7 laws multiple times within the Debt Collection Practices and are criminally and 15 USC 1692K civilly liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2021 I enrolled in a interest free cash transfer and of XXXX dollars plus a XXXX dollar transfer fee which went through perfectly. Except a week later when looking at my statement the trans action was input twice the cash transfer of XXXX dollars and the XXXX dollar transfer fee. I have been calling for about 3 weeks and they XXXX Bank who issued the XXXX master card keep telling me they will correct it and they informed me it happened to a lot of people in error. My main concern is that it has dropped my credit score due to the cards over limit that they caused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
ON XX/XX/2021 THERE WERE COLLECTION ACCOUNT ADDED & DEROGATORY MARK ON MY CREDIT REPORT PER EXPERIAN. XXXX XXXX XXXX I DISPUTED THESE ITEMS AND STATED INFORMED EXPERIAN THAT THESE ACCOUNTS WERE NOT MINE AND SHOULD BE REMOVED/DELETED/ UPON FURTHER RESEARCH THE ACCOUNT WAS TRANSFERRED AND I AM NO LONGER RESPONSIBLE FOR THE ACCOUNT, DEBTOR CREDITOR DID NOT VERIFY THIS COLLECTION. ALSO THERE WAS NO FORM OF WRITTEN COMMUNICATION, CONTRACT OR SIGNATURE FOR THIS ALLEGED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND ANYBODY CAN SNED A BILL AND SAY ITS MINE. ACCORDING TO THE FCRA EXPERIAN HAS VIOLATED MY RIGHTS AS A CONSUMER AND IM REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT IMMEDIATELY.

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 2021-12-16 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:
XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Date Open XX/XX/XXXX Amount XXXX I Want This Account Removed Off All 2 Beru XXXX And TransUnion I XXXX XXXX wrote this letter to you guys because this account is violating the TRUTH IN LENDING ACT they under report my my apr and also my late fees. ( FCRA ) The fair credit reporting act states that any inaccurate information credit report to be deleted this is causing me not able to move on with my life. This should be removed reported balances wrong infortmation my address in not XXXX XXXX XXXX and my name is XXXX XXXX not XXXX XXXX XXXX ll. 

XXXX XXXX  XXXX violated my rights as well I would like them removed original credits XXXX  XXXX bank they call me XXXX  me at all kinds of times at night. 

MERCHANT CREDIT GUIDE XXXX $ Violates the hippa law medical debt can't be sold be to 3rd party ALSO ( FCRA ) INQURIES FROM XXXX XXXX XXXX XXXX XX/XX/XXXX WERE NOT ME FCRA STATES INFORMATION THATS NOT RIGHT TO BE REMOVED

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 2021-12-16 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: Merchants' Credit Guide Company
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX  Date Open XX/XX/XXXX Amount XXXX I Want This Account Removed Off All 2 Beru XXXX And XXXX I XXXX XXXX wrote this letter to you guys because this account is violating the TRUTH IN LENDING ACT they under report my my apr and also my late fees. ( FCRA ) The fair credit reporting act states that any inaccurate information credit report to be deleted this is causing me not able to move on with my life. This should be removed reported balances wrong infortmation my address in not XXXX XXXX XXXX and my name is XXXX XXXX not XXXX XXXX XXXX ll. 

XXXX XXXX XXXXXXXX violated my rights as well I would like them removed original XXXX  XXXX XXXX bank they call me harassing me at all kinds of times at night. 

MERCHANT CREDIT GUIDE XXXX $ Violates the hippa law medical debt can't be sold be to 3rd party ALSO ( FCRA ) INQURIES FROM XXXX XXXX XXXX XXXX XX/XX/XXXX WERE NOT ME FCRA STATES INFORMATION THATS NOT RIGHT TO BE REMOVED

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX  XXXX Auto Finance Date Open XX/XX/XXXX Amount XXXX I Want This Account Removed Off All 2 Beru Experian And XXXX I XXXX XXXX wrote this letter to you guys because this account is violating the TRUTH IN LENDING ACT they under report my my apr and also my late fees. ( FCRA ) The fair credit reporting act states that any inaccurate information credit report to be deleted this is causing me not able to move on with my life. This should be removed reported balances wrong infortmation my address in not XXXX XXXX XXXX and my name is XXXX XXXX not XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX violated my rights as well I would like them removed original credits credit XXXX XXXX they call me harassing me at all kinds of times at night. 

XXXX XXXX XXXX  XXXX $ Violates the hippa law medical debt can't be sold be to 3rd party ALSO ( FCRA ) INQURIES FROM XXXX XXXX XXXX XXXX XX/XX/XXXX WERE NOT ME FCRA STATES INFORMATION THATS NOT RIGHT TO BE REMOVED

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 2021-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Aldous & Associates, PLLC
State: UT

Complaint narrative:
XXXX XXXX is trying to bill me for my nephews outstanding bill of {$250.00} he was XXXX when he signed up so I added myself as adult he turn XXXX on XXXX of XXXX and we called to remove my name and put Him as responsible party with his info. Now he has moved and not be paying his bill so they are coming after me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
I recently review a copy of my credit report and I realize that as a consumer Paramount Recovery is violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They continuously communicate with me at an inconvenient time about this alleged debt which is another violation according to 15 USC 1692c. I have attached my ID to help identify me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 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 30 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