vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g 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 may 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 Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and 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.

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 2021-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL, INC.
State: NJ

Complaint narrative:
I am filling this information out myself, I have not been helped by anyone else. 

I received a collection notice from Coast Professional , Inc stating I owe a debt. I have never done business with this company. They have violated my rights as a consumer several times in this letter by stating I owe a debt, also using profane language or language the natural consequence of which is to abuse the hearer or reader.

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 2021-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2021, my husband and I agreed to refinance our home with Chase Bank working with XXXX XXXX. XXXX XXXX stated there would only be a {$500.00} upfront fee and outlined in writing all of the subsequent fees that would be involved in the cost of closing the mortgage. Agreeing to those specific terms, we moved forward. 

After taking my credit card information and charging me {$500.00}, I received an email from a paralegal, XXXX XXXX, representing Chase bank, asking my husband and I to send an additional {$950.00} cash that night. This was never disclosed and not on any documentation that we signed. So, no longer feeling comfortable that Chase was being honest with mne and reviewing the mortgage conversations we previously had regarding the mortgage lending deal, I asked JP Morgan Chase for a full refund of the {$500.00} application fee andwithdrew our mortgage application on XX/XX/2021. The r eason we are asked for a full refund is that when I called and spoke to XXXX XXXX I was told that there would only be an upfront fee of {$500.00}, and the email I received from XXXX XXXX was asking for an additional {$950.00} only AFTER the mortgage application fee was charged to my credit card. The current good faith estimate that I received from Chase did not disclose the {$950.00} as an upfront payment. 
Because we are within the first 72 hours of the application process, we requested multiple times from Chase, given that we were not made aware of these new out-of-pocket fees, for the full refund of our application and withdrawal of our application. 

They have denied the refund saying that they will only refund if they can not process the mortgage refinancing ; however, they never disclosed those extra fees and even admitted while on the phone with XXXX XXXX, the Client Specialist, that the mortgage lender " didn't know about the fees. '' The manager, XXXX XXXX, promised to contact me on XXXX XXXX, 2021 and never did. I have since tried calling multiple times, sending emails, and even tried contacting customer service on XXXX, all of whom are ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I received a letter from Loan Depot on XX/XX/XXXX stating this was second and final notice to provide them with hazard insurance for my home or they will buy it for me. I had already uploading it into their website XXXX XXXX XXXXXXXX in XX/XX/XXXX as well as my insurance broker faxing it to them in XX/XX/XXXX. 
I called Loan Depot on XX/XX/XXXX and they informed me they had a copy of what I provided but it was not for hazard/homeowners insurance. Loan Depot has it as " other client preferred '' insurance. I insisted it was homeowners but I kept getting the run around from the customer service rep. I honestly felt my intelligence was being insulted by the nonsense I was hearing. There was no resolve at the end of the conversation. Basically it fell back on me and my insurance broker. I don't know what else to do or how to resolve it. The form Loan Depot has clearly states it's for homeowners and lists all the things covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: NE

Complaint narrative:
I was sent a letter from a law firm, XXXX XXXX XXXX about an alleged account for {$440.00} that they acquired from another collection agency on XX/XX/XXXX. They offered a 5 % discount for paying them on or before XX/XX/2021. I noted many violations of the XXXX in this initial letter. I sent a letter in response and asked for validation as well as a cease and desist demand if unable to, on XX/XX/XXXX. The XXXX XXXX sent me a response to my letter, that is dated in the letterhead as XX/XX/2021, and again implied that the letter was from XXXX They also violated my privacy by sending me a statement that displays my alleged XXXX XXXX I have just sent off a XXXX letter, XX/XX/XXXX, pointing out there violations. I feel defamed, embarrassed, threatened and violated by these letters and their disregard for my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In the evening of XXXX XXXX, 2021 I purchased a streaming service with XXXX XXXX XXXX ( XXXX ) .The cost with fees was {$71.00} per month. With the purchase was given a 7 day free trial. My service started the XXXX of XXXX in the evening and the paid service was to start the evening of XXXX XXXX, 2021. My first charge was sent thru by XXXX on XXXX XXXX, 2021. Should have started the evening of XXXX XXXX, 2021. I cancelled the service on XXXX/XXXX/2021. XXXX continued to bill me thru XXXX XXXX, 2021. I went to XXXX with no resolution. Then I filed a dispute with CapitalOne to remove the charge for the XXXX 2021 cycle. CapitalOne initially removed the charge then rebilled the charge on XXXX/XXXX/2021. All supporting evidence is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2021 Certified Letter Sent to Bureau Proof of Identity Theft and Demand for Removal of Bankruptcy XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Affidavit Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Legal Action Notification and Demand for Response My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX, Experian, and XXXX on 5 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts, FCRA 605B, 615 ( f ), and 623 ( a ) ( 6

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 2021-12-18 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: TX

Complaint narrative:
XXXX/XXXX/2021 Certified Affidavit Sent to XXXX XXXX XXXX XXXX XXXX and Demand for Removal XXXX/XXXX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XXXX/XXXX/2021 Final Follow Up and Response Requested and Demand for Removal My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX and Transunion on 4 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts.

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 2021-12-18 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: TX

Complaint narrative:
XXXX/XXXX/2021 Certified Affidavit Sent to Bureau Proof of Identity Theft and Demand for Removal XXXX/XXXX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX and XXXX on 4 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts.

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 2021-12-18 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: MD

Complaint narrative:
Hi, I recently got a copy of my credit report and saw some items I did not personally benefit from nor have any knowledge of. I submitted all documents asked of me by the bureaus but still have yet to receive any action on their parts. This situation is hindering my ability to purchase my first home and i would like the situation resolved as soon as possible.

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 2021-12-18 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: IL

Complaint narrative:
There is a collection reporting on my credit report under XXXX XXXX. I have been disputing with the credit bureaus and the collection company. After every dispute, the credit bureaus, Transunion, XXXX, and XXXX leave the collection on my report. However, I have not received an appropriate response from XXXX XXXX myself. I have sent debt validation letter on XX/XX/2021, and follow up letters on XX/XX/2021 and XX/XX/2021. XXXX XXXX has not responded through mail, phone call, email, or any other method. If they can not respond to me and validate the debt for me, how are they validating the debt to the big 3 credit bureaus? I know that there is an estoppel of silence and with XXXX XXXX not responding to three validation requests, I would like to use it in my defense and have this account deleted from my report immediately. Transunion, XXXX, and XXXX have also failed to provide me with any dispute results over the last 5 months. I pulled a copy of my credit report today and noticed that XXXX XXXX is reporting the same account twice on XXXX with a different account number. I want these accounts deleted immediately because they are unverified and reporting inaccurately. I have enclosed my ID docs, copies of the letters I have sent to XXXX XXXX and copies of the images from my credit report. I am me and no one else is filing this for me. I do not want to receive letters that they need to verify my identity or anything like that. Please delete the inaccurately reporting item.

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 2021-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I contacted my bank once I realized I was a victim of fraud and tried to get them to cancel a transaction but was advised I had to wait until the charge cleared to complete my fraud claim. I thought I was investing in bitcoin mining only to find out it was a scam the next day after sending the funds to the scammers. Navy Federal has a zero liability policy that states a customer can be covered for transactions they didnt authorize or benefit from. When I was finally able to put the claim which didnt happen until 5 days later. the representatives made me feel as if I would be to get my funds back because of the aforementioned policy and I asked specifically if by me initially authorizing the payment would that prevent me from being covered they advised no. A week or so late I get a letter saying my claim was denied because I authorized the transaction which was never information that they didnt know as I told them I initiated the transactions but found out I was being scammed. After speaking with another rep she advised me that they shouldve put my claim in as a dispute and not fraud and stated I should submit another claim but as a dispute and not fraud. Several weeks later they come back with the same decision this time stating that I was charged for the amount I owed after receiving merchandise or a service which I havent received the scammers have my money. I sent screenshots of the conversation between me and the scammer and screenshots showing the website the scammers gave me thats is now down. I was a victim of fraud and Navy Federal has come to 2 decisions that is doesnt support the documentation I sent to them. Ive been banking with them for several years and when Im a victim of fraud they totally disregarded it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
This compliant involves Coinbase Inc. 

The following events transpired during late XX/XX/2021 leading to identification Coinbase had been breached and my account was negatively impacted : 1. On XXXX & XXXX XXXX, I attempted to unsuccessfully login to my account. I was unsuccessful due to your system advising my password being incorrect, despite using my recorded correct password. 

2. On XXXX XXXX, I spoke with one of Coinbase 's customer support representatives, XXXX ( badge # XXXX ) to resolve the incorrect password and subsequent locked account. It is important to highlight at this time, XXXX confirmed two factor Authentication was enabled on my account. 

3. On XXXX XXXX, I received an email notification from Coinbase of an unauthorized attempt to transfer Bitcoin Cryptocurrency funds ( XXXX Bitcoin ) from my account, despite my account holding no material residual Bitcoin. XXXX had advised, the transfer was on its way, but Coinbase had stopped the transfer out. 

It now appears after my personal investigation and analysis ; the hackers have sold my holdings as follows : XXXX. XXXX XXXX holdings sold on XX/XX/XXXX at XXXX AM XXXX. XXXX XXXX holdings sold on XX/XX/XXXX at XXXX AM XXXX. XXXX XXXX holdings sold on XX/XX/XXXX at XXXX AM XXXX. XXXX XXXX units purchased on XXXX XXXX at XXXX PM. 

Once this had been purchased, the hacker then SUCCESSFULLY transferred XXXX Bitcoin to the following Bitcoin Wallet address despite Coinbase claiming otherwise : XXXX This should not have happened as two factor authentication was enabled. I never received any emails or text messages in relation to any buy/sell transactions made on the account by the hackers or attempts to login to my account, except for the email on XXXX XX/XX/2021. I confirmed with your Coinbase helpdesk within the required 72-hour window this was wrong and Coinbase will have stopped the transaction ( despite it still going through ). This appears to be a failing of the Coinbase compensating controls against fraudulent transactions and cyber threats. 

I have attempted to resolve this with Coinbase through multiple support tickets and submitting via their complaints process since XXXX XX/XX/2021. I have had no resolution to the theft of my funds at this point in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: MD

Complaint narrative:
Hi, I recently got a copy of my credit report and saw some items I did not personally benefit from nor have any knowledge of. I submitted all documents asked of me by the bureaus but still have yet to receive any action on their parts. This situation is hindering my ability to purchase my first home and i would like the situation resolved as soon as possible.

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 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hi, I recently got a copy of my credit report and saw some items I did not personally benefit from nor have any knowledge of. I submitted all documents asked of me by the bureaus but still have yet to receive any action on their parts. This situation is hindering my ability to purchase my first home and i would like the situation resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Social Finance, Inc.
State: CT

Complaint narrative:
I signed up for the Sofi Credit card via a referral link. The link indicated we would both get ( the person who referred me and myself ) 4 % cash back for the first 30 days. We only recieved 2 % cash back. The company refuses to give the extra cash back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I made an inquiry with Mr Cooper, my current mortgage lender, about refinancing my home loan. My only goal was to lower my interest rate, not pull cash out. I made this exceedingly clear. I responded to an email I received from Mr Cooper, that stated, check your interest rate, but when you click it, it gives you phone number, not the rate. So I had to speak to a loan officer. I know that loan rates are known for my zip code and loan amount. I currently have 2.75 % and all I needed to know was there a lower rate for my area, or have rates risen due to inflation? XXXX XXXX XXXX ID XXXX, refused to give me that information, instead insisting that he needed to pull my credit, just to see what loan rates are in my area. I'm furious ... I understand I need to qualify for any given rate, but credit did not need to be pulled, hitting my credit report with an inquiry, just to see what current rates are. This guy was using aggressive sales techniques, only trying to improve his sales stats that he probably uses to make his money. I'm sure he's a sales based commission earner. My XXXX is in the neighborhood of XXXX and my husband is @ XXXX. I monitor it. I could have told him that just so we could have a conversation about rates. But no, he wanted to be sure I suffered a consequence if I chose not to refinance. He suffers nothing thus far, based on his interaction with me, and with this complaint, I hope to rectify that. He needs to understand clearly his sales techniques are disingenuous and dishonest. Mr Cooper, his employer and my current lender just lost my loyalty. Supposedly our conversation was recorded, so it took place on XXXX @ XXXX PDT.

Company response to consumer: Closed with explanation