vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Recovery Service Incorporated
State: CA

Complaint narrative:
I am a small business owner who had a merchant account with XXXX XXXX XXXX XXXX, whos headquarters in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. They closed my account in XXXX of XXXX and sent me a statement in the amount of {$120.00}. When I contacted them, they told me that the actual amount is {$21.00}, but they added the {$100.00}, which is a collection fee. That was the very first time that they have sent me a letter and requesting the amount of {$21.00}, and I dont even know why they added that {$100.00} collection fee ( they are not even a collection agency ). Later on, on XX/XX/XXXX I received a letter form ARSI ( American Recovery Service Incorporated XXXX which is a collection agency, demanding me to pay {$110.00}. When I contacted them, they told me that this is a collection that was referred to them by XXXX XXXX XXXX XXXX. I have never been contacted, received bills or demand letters by XXXX XXXX XXXX XXXX XXXX XXXX ) about this amount, yet they directly transferred this amount to ARSI for collection. When I tried getting some answers from XXXX, they told me that they can not provide me any information about this debt, including what it is for, why wasnt I contacted and received any statements. I told them this is my right to know what this payment is for, but they refused to give me any explanation. I feel like XXXX and ARSI are they just extorting people without giving them any reason or explanation. I dont even know why I owe them money? They can not do this to people and not be accountable for. I wouldnt be surprised if ARSI and XXXX have common interest in the final collection amount, or they might even be affiliated companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: NY

Complaint narrative:
I tried getting inquiries that I did not authorize off of my TransUnion report and the did not remove them.. the inquiries that need to be removed are as follows : XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-05-13 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: Ocwen Financial Corporation
State: FL

Complaint narrative:
XXXX mortgage received {$8000.00} refund from my homeowners insurance did not notify me did not write me text me call me I had to call my insurance company and find out that the check was sent to XXXX mortgage and it was Cash on XX/XX/XXXX until this day I have still not received a letter stating that they had this money I had to call them and they open a escrow to figure out and to adjust my payment I told this company that I wouldn't pay them and it had 10 days to submit the escrow reassessment which would be the XXXX and before the XXXX they have put me in a credit bureau it's 30 days late and has also stole my money because they have not applied it to my mortgage to reduce my mortgage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On Tuesday, XX/XX/2021, I found out that I could not access into my account with Coinbase. I tried several times to login to no avail. On XX/XX/2021, I received a message in my computer from Coinbase acknowledging my efforts to login without success. They said in the message that I will receive a telephone call from Coinbase, to help me to login in my account. On Tuesday, XX/XX/2021, at XXXX XXXX., I received a telephone call from XXXX XXXX identified himself to be an employee of Coinbase and he was calling to help me with the login. He requested my personal information, the password for my email account. He knew my password for Coinbase. He told me that I have to wait to use my password for 12 hours. That he will call me on XX/XX/2021 at XXXX p.m. to verify that all was in order. 
He left a telephone number XXXX XXXX XXXX XXXX. On XX/XX/2021 at XXXX XXXX. I called that number to find out that it was a bad number. On the same day XX/XX/2021 I received an email from Coinbase informing that the {$23000.00} in Bitcoin has been transferred to an unknown person or account. 
It is obvious that someone with Coinbase, Inc. perpetrated the theft of my money. 
I hold Coinbase, Inc. directly responsible for this theft. I request to be reimbursed for my loss forthwith.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I recently concluded a transaction dispute through Bank of America credit card 's dispute process, involving an online guitar purchase, which I discovered, upon receipt, was not as described. It turned out to be a B-stock guitar, which reduces it's value considerably, and also had a number of defects. I spoke to the merchant, requested a partial refund and he indicated he would only refund my money if I returned the guitar at my own expense, or he would reimburse me {$50.00}. Shipping a guitar is very expensive and {$50.00} is far less than the diminution in value so his proposal was unreasonable. 

After Bank of America denied the claim, I spoke to a supervisor who first indicated that as I had replaced the old, corroded strings with new strings before making the claim, I had " altered the guitar. '' According to the supervisor therefore, Federal guidelines prohibited a charge back. I requested a citation to the guidelines and then the supervisor claimed that it was not, in fact, Federal guidelines, but Visa guidelines which prohibited them from authorizing a chargeback. I have reviewed Visa 's guidelines online ( as best as I could find them ) and see no reference to any such rule. But more importantly, the guitar was not altered in any substantive way. The old strings, which hold none of the value of the guitar, were simply replaced with brand new strings. 

I am attaching all of the documents I sent to BofA, in order to assist them with their determination.

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 2021-05-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted Experian to dispute the following inaccurate account on my credit file. 
XXXX # XXXX XXXX they completed their investigation stating an update to my credit file. 
They updated stating I was 30 days late before. Which is inaccurate! Also the status updated shows XXXX XXXX which is inaccurate if the account was paid off in XX/XX/XXXX which is what the status updated should reflect XX/XX/XXXX. 
Also the account was updated to state that I paid this account off XX/XX/XXXX which is also inaccurate. This account status shows included in bankruptcy which in itself shows that I would not have paid the account off 7 years after it was opened when the terms state 12 months and it was only late 30 days in 7 years? Which all is inaccurate. The terms, the paid off date of XX/XX/XXXX, and the status included in bankruptcy XXXX, or XXXX. This account also in XXXX was changed to reflect a negative account because of a dispute! 

XXXX # XXXX shows multiple lates which are inaccurate. Previous disputes have them being removed and when asked to investigate they have been replaced without any notification from Experian. This account also has multiple inaccuracies. The open date is inaccurate, the account status is inaccurate, the payment status is inaccurate stating included in bankruptcy 7, 11 or 12. This account was updated with a 30 day late added from my dispute but still shows status updated in XXXX which is inaccurate. The terms are inaccurate as well. 

Experian has stated that they have conducted investigations which have resulted in my inaccurate information added to my credit file which is currently affecting my ability to get credit fairly. Also they results have produced more information that are in violation of the FCRA and seem to be biased due to my nationality which they use the picture of my driver 's license to establish.

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 2021-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
I started a refinance process with Freedom Mortgage on XX/XX/XXXX. They emailed me with instructions to access their website and provide the documents they listed which would be necessary for the process, which we did within 24 hours. Subsequent to that, we received request for something called a XXXX XXXX XXXX from our homeowners association. I contacted my XXXX, was advised we do not have a XXXX XXXX XXXX and to provide our bylaws with an explanation accordingly. I have had multiple discussions via phone and email with various representatives from Freedom Mortgage, including escalating to supervisors and managers. Freedom Mortgage advised me this would have been filed with the city XXXXr county and that it is always needed for the mortgage process. I have been in this house for almost 20 years, and refinanced several times, never have I been asked for this document. I researched XXXX XXXX XXXX and learned that not every association has something exactly called XXXX XXXX XXXX so I contacted my XXXX again and asked for any documentation that was filed with XXXXhe county regarding any restrictions or conditions. I was provided with a signed document filed with the county Declaration of Restrictions & Assessment of Liens ( attached XXXX. Freedom Mortgage representative, XXXX XXXX, advised me on XX/XX/XXXX via the verbal conversation that this was the documentation they needed. Today is XX/XX/XXXX and again I have another rep from Freedom Mort. emailing me asking for XXXX XXXX XXXX in order to close the loan. My concern is 1 ) they never told me up front that they would need this prior to me approving them pulling my credit ; 2 ) I've provided everything my XXXX has ; 3 ) I get a different rep contacting me each time and there is no coordination with the team therefore have to start over every time ; 4 ) they pulled my credit, per my authorization, and now my score has decreased because we haven't closed yet and 5 ) They currently hold my mortgage and have for several years so why are they asking me for this now?. They were not clear that this would be needed otherwise I would not have proceeded since my XXXX doesn't have this.

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 2021-05-13 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: DE

Complaint narrative:
i have been disputing multiple accounts with XXXX XXXX XXXX. i have tried disputing directly with them and they have failed to answer me. XXXX XXXX has attempted to take me to court, After requesting for proof that i was the account holder XXXX XXXX has failed to answer the court. The case was dismissed due to XXXX XXXX not able to verify this debt. If the courts can not get lvnv funding to answer, there is no way your company has actually completed a fair investigation. how can you verify an account if the courts can not verify an account in a court case? I demand for all accounts listed under XXXX XXXX to be removed from my credit report or i will file suit against your company for inaccurately reporting on my credit report. you can find the dismissal from the judge attached.

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 2021-05-13 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: NY

Complaint narrative:
Citibank suddenly suspended my account. I have no issue with it. 

But the problem is my remaining balance. They said they would deliver an account closing letter for me but I never received it. I only got an email that they sent me an e-letter to my Citibank app, but since they had closed my account, I can not log in to the Citibank app anymore, so there is no way for me to check the account closing letter. 

I called the CS many times but all of them can not fix the problem, even can not give me a clear solution where or how to collect my remaining balance in the account. Before there was a CS told me that I could collect the balance in any branch, but when I went there, I was told that they still have to wait for the internal department to decide. Such poor internal communication and Wasted my time. 

Please be professional and send me the remaining balance by bank cheque ASAP. Thanks.

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 2021-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2021 I applied to rent an apartment in XXXX XXXX. I sent {$3100.00} to what i thought was the leasing agent. When I went to pick up the keys I found out it was fraud and there was no apartment. I contacted bank of america to report fraud and they opened a claim # XXXX. 

They responded and said there was nothing they could do because i submitted the wire transfer. 

I contacted the police and filed a police report XXXX # XXXX officier XXXX XXXX XXXX. 

I also filed a CFPB claim XXXX with XXXX and they responded saying they will return the money if BofA sends them the proper indemnity letter. XXXX claim XXXX phone XXXX. 

I called BofA and they are refusing to send the letter. 

Police have verified fraud, XXXX has agreed to send money back and yet my bank, BofA, does not believe it was fraud and will not send the form.

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 2021-05-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX  received {$8000.00} refund from my homeowners insurance did not notify me did not write me text me call me I had to call my insurance company and find out that the check was sent to XXXX XXXX and it was Cash on XX/XX/XXXX until this day I have still not received a letter stating that they had this money I had to call them and they open a escrow to figure out and to adjust my payment I told this company that I wouldn't pay them and it had 10 days to submit the escrow reassessment which would be the XXXX and before the XXXX they have put me in a credit bureau it's 30 days late and has also stole my money because they have not applied it to my mortgage to reduce my mortgage

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 2021-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had a home mortgage with SunTrust/Truist that I refinanced with another bank. The refi closed on XXXX and the funds were received by Suntrust/Truist on XXXX. I had an escrow balance at closing of {$4300.00}. My understanding is that they have 30 days to return this money to me and they have not. The loan information is not longer available on their mortgage portal ( I have another loan with them and I see that one when I log on but the not refinanced one ). I have tried calling into their service center and have spent over an hour on hold each time, never succeeding in getting through to anyone. I have submitted an online message through their portal as well and have not heard back. I am concerned this huge corporation is slow-paying the return of my money and that this violates the law.

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 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to dispute some items on my Experian Credit Report several times as they are inaccurate. Ive been trying to dispute them for 2 years now. I have items on there that are over 7 years old and they have been picked up by collections which shows another account for same creditor. They will not remove these inaccuracies from my 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 2021-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stevens Business Service, Inc.
State: MA

Complaint narrative:
Hello, Im shocked, surprised, XXXX out both XXXX and XXXX to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees XXXX Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX XX/XX/2021 my daughter XXXX XXXX XXXX ran a credit report with XXXX. On that report it noted A Capital One Account with a balance due of {$4200.00}. The Capital One account is my account, XXXX XXXX. I opened with only my SS number. At no time was Capital One provided her SS number. She is a Authorize User. She went away to college and this was a Emergency Card only. No where on the Capital One information is it listed she is authorized user. I attempted to call Capital One and they were rude and noted I have to write a letter and could only mail and that it would take 30 days to resolve. My daughter is moving from California to XXXX for her XXXX job. They need to be there is 2 weeks or he losses his job. Due to the error from capital one they are having a difficult time renting a apartment.

Company response to consumer: Closed with explanation