vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: MD

Complaint narrative:
In regards to a XXXX XXXX XXXX phone debt I called a debt collection agency by the name of Sequium ( ref # XXXX. I spoke with a representative by the name of the pseudonym XXXX XXXX. I told her I would call back due to my work schedule at approximately XXXX on XX/XX/21. 

I called back and spoke with another representative, pseudonym XXXX XXXX at on XX/XX/21 at approximately XXXX XXXX. XXXX gave me terms to settle my debt. During this conversation XXXX explained that a settlement offer of 30 % of the full amount due. I agreed to these condition and a payment arrangement over the course of 4 months. Before the transaction could be completed this call was disconnected. 

On XX/XX/21, I received a call from XXXX  at approximately XXXX and she explained that the 30 % settlement terms were not possible. After explaining that this was not what I was told, she became rude, abrupt and clearly hung up the phone. 

On XX/XX/21 at approximately XXXX XXXX  I spoke with a representative with the pseudonym of XXXX  XXXX. During this call, I was spoken over, the tone of her voice was very disrespectful and I was also hung up on. 

I called back on XX/XX/21 at approximately XXXX XXXX  to try to straighten the situation out and spoke with a representative with the pseudonym XXXX ( can not recall her last name ). Once I explained the same situation, I was hung up on AGAIN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My account was locked and then closed by Citibank. I received an account closing notification letter from Citibank fraud department on XX/XX/XXXX saying that Pursuant to a recent review, it has been determined that we can no longer service your account ending - xxxx and your other related Citibank accounts. I still have about {$24000.00} in my account at the time they locked my account. The letter also mentions that Citibank will issue me an official check after the closure. They closed my account 3 months later on XX/XX/XXXX. I called Citibank multiple times and to check the status of my money like when can I get my money back. They kept telling me they will issue the money back. However, today XXXX XX/XX/XXXX XXXX, when I called the Citibank again and they told me the XXXX {$24000.00} on my account doesnt belong to me and they will not send the money back. I asked the reason why but they cant provide a legit reason and told me thats the decision of the review. I cant believe that they will hold my money and not giving me back. Every single transaction in my account is legit and then I lost XXXX {$24000.00} for no reason? I need help from CFPB to get my money back.

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 2021-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
RE : Trans Union To Whom It May Concern, I sent a letter to Trans Union dated XX/XX/XXXX disputing an unauthorized inquiry as erroneous, and I have not received a response from them. They have NO proof I initiated such inquiry, nor written authorization, and have failed to provide any permissible purpose. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they had 30 days to investigate the dispute. If they could not verify the information within 30 days, they should have deleted the disputed unauthorized inquiry from my report. 

I have frozen and suppressed All 3rd party information vendors since Summer 2020, including XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX. TRANS UNION MUST VERIFY THIS UNAUTHORIZED INQUIRY DIRECTLY WITH THE COMPANY LISTED BELOW, NOT WITH 3RD PARTY DATA MINORS. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. The following inquiry is unauthorized : XXXX XXXX XXXX XXXX VIA XXXX  XXXX  Attached you will find copies of my 3rd party vendor proof of suppression and the demand to comply package sent to Trans Union. 

Sincerely,

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 2021-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: AL

Complaint narrative:
This is being sent to you in response to a notice sent to me on XX/XX/20. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 
This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I recently reviewed my Credit Report, I noticed there were accounts reporting to my credit that I did not open, when I started checking dates, I seen that the accounts were opened when I was on military leave. I wrote and called about my disputes and explained the situation, that the accounts are not mine and they need to remove them.

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 2021-01-14 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: Synovus Bank
State: GA

Complaint narrative:
I have complained directly to the bank, XXXX XXXX, as well as XXXX before. 3 times Ive mailed a payment and they charge a late fee and it miraculously posts that evening. Most current, my bank mailed a check in XX/XX/XXXX, payment was due XXXX. On XXXX I filed a complaint with XXXX and said in the complaint the payment would magically appear after a late fee. They apples a {$40.00} late fee XX/XX/XXXX and posted the payment the next day. They also reversed payments that were cashed from my bank, theyre bank drafts and claimed they bounced. This scam I am sure runs deep, myself I have had 1 payment and 3 times a late fee charged and then the payment applied as soon as the fee was charged, each payment mailed a week before due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I refinanced my home at the beginning of XX/XX/XXXX. Due to that, my property taxes were paid twice ; once through my escrow account with my mortgage company, United Wholesale Mortgage, and a second time through the title company as part of the closing on my refinance. The check from the title company was cashed first by my county. The money paid from my escrow account was refunded on XX/XX/XXXX by wire transfer. I have the wire transfer number from my XXXX XXXX. I contacted United Wholesale Mortgage on XX/XX/XXXX to find my refunded property taxes. I was told that it would take XXXX business days for them to send an inquiry to the third party, XXXX, who handles the payment of property taxes. On XX/XX/XXXX, I inquired again. I was told that there was no information and that until my money shows back up in my now closed account, they can not help me. I have provided the wire transfer number and the date. To this date, no one has contacted XXXX to verify the wire transfer back from my county. I have called multiple times, sent an email and a letter. I have not gotten any information. I have asked for the phone number to XXXX, the company that my county sent the wire transfer to and United Wholesale Mortgage has agreed paid my property taxes. XXXX will not give me a phone number to track down this on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
Comenity Bank Lane Bryant is reporting an account on my credit file as an authorized user. It is not my account. This account is not mine and I have never signed anything for me to be added onto this account. I demand you remove my name from the account and delete it from my credit file immediately or the next communication will be from an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: VA

Complaint narrative:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this 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 2021-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Loan Cabin Inc.
State: CA

Complaint narrative:
Started refinance process XX/XX/2020. Loan officer XXXX XXXX ignored most emails and phone calls asking for interest rates and fees. Missed closing deadline by 4 months and counting. I have been told in writing every week since we would be closing within a few days. They have given me last conditions to close including closing my XXXX XXXX Home Equity Line of Credit. After completing this request, they ask for more documents, additional fees and to run my credit a second time. They have scheduled me for 5 notary meetings to sign the paperwork and then cancel one hour before the signing each time. 
I have proof in writing of multiple times a processor saying she completed something and it turning out to be a lie. 
I have email the XXXX XXXX XXXX on multiple occasions to escalate my complaint to compliance, only to have him block my email. 
Online searches reveal my problems are systemic with the company as many others have experienced similar issues.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: STATE FARM BANK, FSB
State: NJ

Complaint narrative:
At the beginning of XX/XX/2018 I contacted State Farm to make an auto loan payment. It was too close to the payment due date for me to mail a payment in and State Farm 's online portal would not allow me to make a payment online. I then contacted them by phone to make the payment over the phone but the agent would not accept my payment. I was then forced to mail in the payment at which point State Farm reported a late payment on my credit.

State Farm made it incredibly difficult for me to make the payment on time and this should not have affected my credit due to their lack of ability to accept my payment.

I contacted State Farm on three different occasions directly to resolve this and they would not help and all agents I spoke to were either rude or unwilling to even try and resolve the issue. I used the credit agencies dispute process 1-2 times as well after that and State Farm still denied the claim and did not help.

I have 3 1/2 years of perfect payments on this account and this is the only payment that is showing late, so it should be clear that I pay this loan on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Checking over my credit report and I noticed that some inquiries where on my account I didnt know about. 

XXXX XX/XX/Trans XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX TransUnion XXXX Mortgage XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ID XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX mail XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  I feel like anything posting inaccurate on my report with no info behind it should be removed immediately as my more financial educated friends say the fair reporting credit act. 

Im trying to better myself & this is really hindering 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 2021-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Synovus Bank
State: GA

Complaint narrative:
We bank with Synovus and have several checking and savings accounts. On XX/XX/12 at XXXX I received a call from Synovus advising of a possible fraudulent transaction on our debit card. I was asked to verify the transaction and when I noted it was not valid and that the store in question was in XXXX ( we live in XXXX ), the agent offered to block our account. I was asked verification questions to confirm identity and then was told that the account was blocked and they would be issuing new cards. I was then asked about wether we had any mobile wallets ( XXXX XXXX, XXXX XXXX, etc ) to which I replied we only have XXXX XXXX. I was then advised that the transaction was attempted using XXXX XXXX  so they needed to shut down the digital wallets as well. I agreed and was placed on hold. 

What I didnt realize at the time was that the person on the line was not from Synovus, even though the phone number matched the number on the back of my card, it was someone taking over my accounts. While I was on hold with the supposed agent, they used the identity verification information to reset my online access to Synovus, accessed all of our checking and savings accounts, transferred all of the funds from all of the accounts into the main checking acct ( for which they had my card number ), then setup XXXX XXXX with an actual agent and proceeded to spend all of our account funds ( approximately {$32000.00} ). 

Synovus has been contacted and is currently investigating the fraud ( noting several other identical cases ). I have a case opened with XXXX XXXX XXXX office in XXXX, XXXX  and they are also investigating. I was also advised to contact the FTC and report this as well for financial crimes fraud investigation. 

Because the fraud involved our online access, those accounts have all been suspended and I currently have no way of providing the details of the transactions, other than the total reported by the fraud agent working our case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Back ground : I have been a Citibank customer since XXXX. During this time I have never paid a XXXX of interest and have paid my bills on time. Without warning they cut off my credit creating a nightmare because it is my only card and many payments like insurance are taken off this card. 

Details : Because of XXXX the mail has been very late. the Citibank invoice for XXXX was sent on XXXX but not received until XX/XX/XXXX. In that time I called and requested another invoice ( did not happen ). The full payment check was sent on XX/XX/XXXX, the day after receiving the invoice. It has not gotten to Citibank. 

Consequences : I can not use my credit card. 
Several services have been cancelled because the card on file ( Citibank XXXX was suspended. 
I have gotten an email that my credit score has gone down. It was in the mid 800 's. 

What I have done : I have called numerous times. I believe that I have talked with agents who are in XXXX. I have endured long wait times only to be cut off. When I did get through, I was told to pay {$35.00} late payment toward the payment. I respectfully declined. They have also charged me {$91.00} in interest. 

Conclusion : We have all been affected by COVID and had to make adjustments. Citibank has not taken the steps to deal with this crisis. Why would Citibank suspend my card without telling me? Why can't I deal with someone who has the authority to make decisions? It seems that the rules are hard and fast. With all the circumstances of our time, why is Citibank not more flexible? I now owe the original {$1400.00} plus {$91.00} in interest plus {$35.00} late fee for our XXXX invoice. The XXXX invoice, which should have arrived has not so this will be an additional problem. I can not speak to anyone to solve this problem. My credit score will continue to be affected. This is a nightmare! 

THEIR CUSTOMER SERVICE LEAVES A LOT TO BE DESIRED! 

XXXX XXXX XXXX XXXX 37 year customer of Citibank

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 2021-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I established an account with Coinbase and purchased {$1700.00} of ETH ( Etherium ) as an exploratory investment in Cryptocurrency. I established two-factor authentication, with a single-use code sent to my cell phone by text message. After successfully logging in a few times to monitor the investment, I encountered a notice stating that text messages were no longer being sent for authentication and that I had to use an authentication app. I opened an authentication app on my phone, and the app instructed me to open the account in question and take a photo of the QR code to synchronize the app with the account. I advised the Coinbase support staff of the problem, and, after some back-and-forth conversations, no progress had been made. On XX/XX/XXXX, at XXXX XXXX, I advised them to liquidate my account and send the balance to me either in the form of a paper check or by ACH deposit directly to my bank account. Following further back-and-forth emails, at XXXX XXXX Coinbase support advised me to stand by while they worked on finding a solution, and they promised to get back to me with a response through the original email thread. By XX/XX/XXXX, they had not responded ; so, I sent another email at XXXX XXXX in which I directed that the email be elevated to a supervisor. I stated that they had not followed through and that I was ready to take the matter to the S. E. C. They have not responded since the XX/XX/XXXX email. I want my Coinbase account closed, and I want the value of the account forwarded to me immediately. I opened this account as a personal account in my name. The individuals from Coinbase support do not provide their names.

Company response to consumer: Closed with monetary relief