vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
Hi I had wire transfer my money from my bank account to Coinbase to purchase ETH, and then I sent crypto to the name call XXXX investment app platform to earn money there, I have six transactions from Coinbase to this platform, total I was sent around {$260000.00} US dollars, and the the account of XXXX has money $ XXXXnow, when I try withdraw my money, they want my to pay the $ XXXXus dollars tax and upgrade my account to vip also need pay XXXX.. and after my family in my country pay those money, I still cant withdraw my money, I know it was a scammer fake investment platform, I never can take my money out.. and I also contact Coinbase to help my get my money back from the scammer wallet address XXXX But Coinbase rejected to help, looks like is not their responsibility to get customer money back, even though they konw its a scammer address, they dont do anything, they keep let other victims denting the money to the same wallet address after I did complain to the Coinbase,, thats one of biggest loopholes from Coinbase. It can easily transfer money to fake and illegal investment platform without permission. Coinbase need to take extra security measures to keep safety of my account..I want to get my money back, I have no idea what can I do now, I have no money to pay my loan and credit card, my bank rejected to do the fraud investigation for me, they says Coinbase is big company, and also Coinbase do nothing after I report fraud scammer, I need some help. 
And I also call logon police, and report to FBI, IC3 The scammer platform website XXXX IP address is XXXX Ps. The wallet still can receive money from Coinbase now.. 
My email is : XXXX Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Have called them multiple times and have told them to stop calling but they continuously keep calling and wont reveal their business name or address even though they say it's a debt from Citibank ( who has no knowledge of why they are calling me ) so I can put it in writing or pursue legal action against them ... .last calls were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2021-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
PLEASE HELP!!!! 
This crooked mortgage servicing company is making it difficult to get on the covid defferal mortgage plan. My loan qualifies for this plan as confirmed by the customer service rep i spoke with. However, this company has created a very complicated " applications '' process to get the paperwork processed. The rep insists its not an " application '' but an " evaluation '' but they are asking so many questions its no different than applying for the home loan the first time to purchase. 
I was told by XXXX service reps that there is no applications process to qualify for the defferal plan. I already attested to the Shellpoint rep that i'm working and able to resume payments once the forbearance ends but that wasn't enough. He wants to know when my financial challenges started, how it affected my family, who in the family was affected? All manner of unrelated intrusive and UNLAWFUL questions. 

This is criminal. Please please go after these crooked companys. They're out to destroy hard working families.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I received an email from Consumer Financial Protection Bureau ( CFPB ) stating Bank of America ( BOA ) was still working on the issue, Complaint ID XXXX. One day later I received the attached letter from Bank of America ( BOA ) dated XX/XX/2021 stating that they consider my dispute resolved. 

Their letter doesnt address my complaint or resolve it. 

I logged on to review the companys response on the CFPB website today, XX/XX/XXXX. The website shows the status, as open and the company response is in progress as of XX/XX/2021. 

I am confused as to why BOA considers the complaint closed. 

A few days prior to XX/XX/XXXX, I received a phone call from XXXX XXXX assistant, who informed me that XXXX was working on my claim. She verified that I had in fact submitted a claim to CFPB and had sent documents. The assistant said if I had any questions I could contact Ms. XXXX at XXXX. I am not sure why I was contacted. Perhaps I was mistaken thinking that communication would take place between BOA and CFPB, not me directly.

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 2021-09-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are several inquiries on my credit report that I am unfamiliar with/fraud and they should be removed because I didn't apply to these creditors : EQUIFAX ( 6 ) XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX ( 4 ) XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( 8 ) XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
I have received a voicemail stating LoanCare has attempted multiple times to contact me in regards to my issue. This is the first voicemail I have received regarding any issue. I had previously requested a copy of all corespondent, both verbal and written, that the company would have recorded. I have yet to receive that information. I have been on the phone for over an hour now and have spoken to 6 different service representatives in an attempt to return the call as the two numbers provided in the voice mail are a non working number and the number for their front line customer care respectively. There is no option to input the extension number provided when contacting the front line customer care center. The initial complaint they are leaving the voicemail for was for a complaint regarding an incorrectly recorded forbearance end date and auto pay issue. I have been on this last call, having been escalated to the front line representatives manager, for over 40 minutes now, the majority of the time on hold.

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 2021-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I recently received letter from XXXX XXXX XXXX. Informing me they rececently have received inquiry about my dispute of mortgage loan being paid off in full by me. That being reported my mortgage still showing open as being delinquent in payments and foreclosure on my credit report through XXXX, XXXX and TransUnion that causing my credit scores not to increase.

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 2021-09-28 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: AR

Complaint narrative:
I recently received letter from XXXX XXXX XXXX. Informing me they rececently have received inquiry about my dispute of mortgage loan being paid off in full by me. That being reported my mortgage still showing open as being delinquent in payments and foreclosure on my credit report through XXXX, Equifax and XXXX that causing my credit scores not to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I recently received letter from XXXX XXXX XXXX. Informing me they rececently have received inquiry about my dispute of mortgage loan being paid off in full by me. That being reported my mortgage still showing open as being delinquent in payments and foreclosure on my credit report through Experian, XXXX and XXXX that causing my credit scores not to increase.

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 2021-09-28 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: REVERSE MORTGAGE INVESTMENT TR
State: NV

Complaint narrative:
We recently did a reverse mortgage, the loan proceeds were held up 13 days. The title company funded the loan, but failed to mail the check for 6 days. Because we had not received the check they stopped payment, reissued which took an additional 7 days. I am wanting a interest adjustment on my loan because funds were not received.

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 2021-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I tried to apply to another bank recently and I got denied when I check the reports it stated that an account with Bank of America was opened sometime and closed in XX/XX/2019. I did not have knowledge nor give authorization to open an account with Bank of America I always had XXXX  for the past 5 years I need help with this please its very frustrating Bank America has knowledge that its was a fraudulent opened account

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 2021-09-28 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax is violating my rights per the Fair Credit Reporting Act ( FCRA ) because they have not validated the debts they are reporting. I numbered some Equifax credit reports to refer to in this complaint.

1. I have sent several letters to Equifax ( six are attached to this complaint ) highlighted yellow requesting them to sent requested information ( a description of how the reinvestigation was conducted along with the business name, employee name, address, and phone number of the furnished of the disputed information, so I can follow up with them ) in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VL, Section 611, Subsection A-D. XXXX have never send me the requested information. I am requesting validation not verification. Please send validation of these debts 2. They took over 60 days to complete the investigation because they never sent out the information requested after the investigation per the FCRA.

3. Attach all information requested above to complaint to validate this alleged debt or remove erroneous account not validated on my credit report. Investigation information was not sent per my request and per the fair credit reporting act therefore these accounts can not be my accounts and must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
An American Express account was opened in my name without my permission or consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
I purchased a XXXX XXXX Laptop PC online from XXXX. I received it XX/XX/XXXX. It was sent the wrong Laptop, a XXXX XXXX Laptop PC. I tried to contact XXXX online to see if I could exchange Laptop and it shouldn't be a problem. To make a long story short, I had to call XXXX I thought. At # XXXX XXXX. I spoke to XXXX XXXX. He told me he had to excess my accounts to verify if it was me ( XXXX XXXX ). On XX/XX/XXXX he told me to use a XXXX account to withdraw {$460.00} and told me that was for the new Laptop. XXXX was supposed to return {$570.00} I paided for the Laptop. XXXX said he was giving me a discount {$460.00} instead of {$570.00} for an exchange. Which I never received. Then XX/XX/XXXX, another XXXX withdrawal {$990.00}. It was again supposed to be for verifying it was me. Then again XX/XX/XXXX a XXXX withdrawal for {$1000.00}. I was scammed big time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
Again, ALDOUS & ASSOCIATES, P.L.L.C. are violating my private rights as a consumer by reporting inaccurate information on my consumer report. I did not give them my consent to contact me nor state I owe any alleged debts. That is a violation pursuant to 15 U.S.C. 1692b ( 2 ) and 15 U.S.C. 1692f ( 1 ). ALDOUS & ASSOCIATES, P.L.L.C. are using obscene and profane language by accusing me of owing this alleged debt. I will not pay it. Their allegation is ruining my consumer report because its inaccurate. The debt is not mine. I do not have a contract or anything with ALDOUS & ASSOCIATES, P.L.L.C. nor do I wish to do any business with them.. I am enforcing my rights, as a consumer, for the damages caused by ALDOUS & ASSOCIATES, P.L.L.C. pursuant to 15 USC 1692k civil liability. Pay the invoice and remove this from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In or about XX/XX/2020 my account with Bank Of America Was closed due to a suspected activity in my husband account. Since we had a joint account all his accounts and mine were closed. Since then my husband reported that his account was compromised that the transaction that was pending in his account wasn't his. After the report I was told that the bank will closed the account and that all the money will be sent in a format of a check. The total amount was for {$16000.00} and I was told in numerous occasions that this money will be send to me and I always get the run around. We are getting close to 2 years since this incident and the bank always say the same thing that is currently during investigation. My husband provided all the pay stubs from the XXXX XXXX for them to validate the funding source. I need some assistance with this because this is quite frustrating.

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 2021-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems , LLC have two collection account that was open on XXXX XXXX, XXXX and XXXX. XXXX, XXXX. One for the amount of {$460.00} and the other for {$460.00}. 

These account are not mine and Jefferson Capital Systems , LLC are not licensed to collect debt in Texas. I want this company to remove this from my credit report. 

I have already file a dispute with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX  XXXX  XXXX {$0.00} XXXX XXXXBalance {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX-Date of Inquiry XX/XX/2021 XXXXDate of Inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My credit card was used to open this charge card in this consumer credit transaction. Through the use of my credit card, Capital One is repeatedly getting paid through my credit that is tied to the treasury account with the United States which is a corporation. This charge card is already paid for. This is a credit transaction but Capital One is continuously requesting cash payments. I sent Capitals One a cease and desist demand letting them know that 1. I do not owe this debt and 2. That they stop communication with me through all mediums as its my right under the Fair Debt Collection Practices Act, 15 USC 1692c ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
USAA has been sent documents relating to this for the past 6 months and still chooses to report 2 accounts on my credit on XXXX that arent mine. I want these removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX  XXXX-XXXX-Balance {$840.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: SC

Complaint narrative:
Sold property XX/XX/21 mortgage paid in full. Debit from escrow account was logged XX/XX/21. Check had not been received as of XX/XX/21. After contacting XXXX XXXX mortgage servicing division I was told the check was mailed by one representative and that I must wait 30 days before requesting a replacement, the next representative claimed the check had not been mailed yet and would take up to 60 days to receive.

Company response to consumer: Closed with explanation