vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I am filing a second complaint against Comenity bank. I have answered and requested multiple times that they discontinue contacting me. In addition to this, I established a time to pay my outstanding payment from last month. This date has not come to pass, and I am still being harassed multiple times daily. Today is Sunday XXXXXX/XX/2021, at XXXX, I have been called five times today by them. Twice by their corporate number and three times by an unknown and blocked number that is them as well. This is harassment, and illegal. It has begun to affect my daily life by disrupting me during work hours in important meetings. This is unacceptable, because this is my livelihood that is being jeopardized over a late payment. This is not a debt I have owed for a long time, it is only a one month missed payment due to the pandemic of COVID-19. I answered the last call today and for the fifth time on their recorded line I told them I have a payment plan set up and to not contact me. This seems to have no effect on them, as they continue to disrupt my daily life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-07 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: NV

Complaint narrative:
Experian is incorrectly reporting information on my consumer file that is impacting me tremendously. My credit scores are and have been impacted. The XXXX XXXX XXXXXXXX XXXX has stated in writing that they do not report information to the Credit reporting Agencies. The Credit Reporting Agency insists that the Creditor is the one providing this information to them directly which is false. Due to this I am requesting for this account to be removed from my Credit Report immediatley!

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 2021-03-07 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
While disputing inaccurate information with National Credit Adjusters, XXXX and XXXX XXXX replaced the previous XXXX XXXX account they removed in XX/XX/2019 back on my credit report XXXX XXXX. 

Now they have NCA and XXXX XXXX reporting duplicate accounts with inaccurate non validated information while NCA has not provided the information I have requested per my CFBP complaints. 

Both XXXX XXXX nor NCA have provided and account information to validate the amounts or the information to me that they have reported to credit bureaus. 

Please refer to XXXX XXXX response to CFBP complaint # XXXX where they confirm that XXXX XXXX closed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
While disputing inaccurate information with XXXX XXXX XXXX, XXXX and Ad Astra replaced the previous Speedy Cash account they removed in XX/XX/2019 back on my credit report XXXX XXXX. 

Now they have XXXX and Ad Astra reporting duplicate accounts with inaccurate non validated information while XXXX has not provided the information I have requested per my CFBP complaints. 

Both Ad Astra nor XXXX have provided and account information to validate the amounts or the information to me that they have reported to credit bureaus. 

Please refer to Speedy Cash response to CFBP complaint # XXXX where they confirm that Ad Astra closed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I have recently refinanced my mortgage held with NewRez LLC with another financial institution, XXXX. Due to issues with closing in a timely manner, title company fault, I made an additional payment to the original mortgage holder to make sure I was not delinquent, avoid late fees and negative credit reporting. The payment was made to NewRez LLC following payoff provided to transfer balance to new mortgage holder, XXXX. 
Sufficient time passed following refinance, 4 weeks, before I contacted NewRez LLC to inquire on refund of the additional payment minus any interest that may be owed due to timing & my escrow refund. In my conversation with a representative of NewRez, I was advised I would only be receiving the escrow refund. According to their records, my payment was not reflected having been received for XXXX, certainly not following the payoff quote provided to the new mortgage holder. I made my last payment to NewRez through electronic billpay, deducted from my account XXXX ( Friday XXXX for {$1700.00}, payment to be received by payee XX/XX/11.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
Complain # 5 against Loancare LLC once again they are adding more XXXX fees/escrow increase or basically whatever they can come up with to charge more. I have not bothered to call because in the 4 complaints prior I get nothing but XXXX XXXX excuses and lies. My mortgage payment is {$750.00} a month that's what I sighed for. After the last complaint they dropped to {$820.00} which we just paid due to frustration. For XXXX its now increased permanently to {$870.00}. For XXXX taxes I went online and paid all of my taxes IN FULL to XXXX county. Loancare refused to stop including taxes for XXXX. THIS MEANS THEY ARE SITTING ON A SURPLUS OF XXXX DOLLARS IN ESCROW THAT WAS OVERPAID. so there is absolutely NO reason why there is any deficiency or why once again our payments increase. They do this every few months they send in a new more incompetent employee to " re-analyze '' our payments. So once again I get to send in another complaint to CFPB and the Attorney Generals office. I'm just curious at what point does the Federal government step in? Any questions? see complaints 1-4. 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 2021-03-07 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:
I HAVE TRIED MANY TIMES BY SUBMITTING DISPUTE LETTERS TO TRANSUNION, ABOUT BANKRUPTCY # XXXX. IN 2020 TRANSUNION TELLS ME IN A LETTER TO CONTACT XXXX XXXX XXXX SINCE THEY ARE THE COMPANY REPORTING THIS PUBLIC RECORD, SO I DID AND IN THERE LETTER ON XXXX XXXX IT STATES THEY WILL NO LONGER REPORT THIS BANKRUPTCY

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 2021-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
To Whom it may concern : On XX/XX/XXXX XXXX XXXX ( email address : XXXX, address : XXXX XXXX XXXX XXXX XXXX, NC XXXX ) sent me an email requesting my freelancer translation service. They agreed to send first half of my payment ( XXXX  dollars ) on XX/XX/XXXX. The pay check was issued through XXXX XXXX by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX The pay check arrived via XXXX ( Track number XXXX ) and carries more dollar amount ( XXXX ) than what is in the agreement ( XXXX ). My son helped me to deposit it on XX/XX/XXXX at chase bank location XXXX XXXX XXXX ATM machine. 
At this time, XXXX pressured me aggressively to return the difference through XXXX to : XXXX XXXX His XXXX associated phone number : XXXX Name on account : XXXX Since my bank showed the check was cleared and fully available, I sent XXXX dollars on XX/XX/XXXX and XXXX dollars on XX/XX/XXXX to the above through XXXX respectively. 
The same day they received the money, Chase bank informed me my account was over drafted, since the XXXX dollar check is fake. 

My address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX My phone number is : XXXX Sincerely, XXXX XXXX XXXX XXXX Thu, XX/XX/XXXX, XXXXXXXX XXXX ( 2 days ago ) to me Also, if you have XXXX, you can send the balance of {$650.00} via XXXX to the XXXX information below : $ nunuade

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: ID

Complaint narrative:
Debt recovery solutions sent an unsolicited debt recovery notice from XXXX XXXX. Have never sought credit from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My Navient accounts have been on an income driven repayment plan for {$0.00} over the last 10 years without any prior missed deadlines. 

In late XXXX I submitted an annual renewal application 3 months prior to the original deferment deadline. Shortly after submitting my annual renewal, was in the hospital for over 2 and months fighting for my life from XXXX XXXX and was unable to sign requested documents. 

I explained to Navient representatives that my hospitalized from XX/XX/XXXX to XX/XX/XXXX was related to XXXX XXXX, but they refused to extend deferment and reported my 4 Navient accounts as 90 days passed due to XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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:
On several occasions I have contacted all 3 credit bureaus and I have asked for late payments to be removed because payment was lost in mail for XXXX and XXXX pay.ents 2017 so O should have only 1 late payment over a 5 year period with the auto loan. I spoke to a representative from XXXX XXXX and was told that my account would be updated to this day it has not been. Also they are reporting last payments as 4 months ago etc showing balances never going down etc, I have added remarks to my credit file which is a direct dispute under FCRA requirements

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 2021-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Received a debit bank card from Chase bank I never applied for. I burned card and all paper work associated with card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have had a Wells Fargo checking account for over 30 years and I am Wells Fargo credit card customer for over 3 years. I Have NEVER been late, I NEVER been over my credit card limit. Feel free to check their records. They had notified me of a limit decrease at the end of XXXX, 2021 ( not received until XX/XX/2021 ) which put me within {$180.00} of that new limit and ( over limit possible charges ) that obviously affected my credit score and ALSO came from Wells Fargo - ( I was well below my credit limit before they decided to lower this limit ) and that changed to reflect new charges ( over limit, etc ). Before they changed it, it would have been MUCH more efficient for notification that this new limit would bring me so close to the new limit so that they could change a OVER CHARGE LIMIT CHARGE PRIOR to the subsequent and forthcoming statement date. I called and they said that they thought I was " over-extended '' even though my credit report listed as " paid agreed '' on all of my accounts and they even listed my credit score in that letter as XXXX which I believe is listed as " fair ''. I also explained to them that, at that time, I had paid off one of my cars and two of my credit cards -- so this decrease unbelievable as it stands " Please help me!! Just like everyone else, I am trying to keep my family afloat and am not trying to be a problem of companies ( Wells Fargo specifically ) I do not think they should be permitted to take advantage of those of us who are trying to weather this storm!!

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 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I submitted a dispute to Equifax. It is now XX/XX/2021 and the investigation has not been completed. This investigation has taken longer than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KLS Financial Services, Inc
State: TX

Complaint narrative:
KLS Financial Services / XXXX XXXX XXXX XXXX failed to verify /provide proof of debt under 15 USC 1692 ( e ) and 15 USC 1692 ( f ). This item is currently reporting to XXXX, XXXX  and XXXX. Also, this debt was remove from all 3 credit agencies and reinsert by KLS Financial Services / XXXX XXXX XXXX XXXX XXXX XXXX without providing written notification according to 15 U.S Code 1681i - FCRA 611 ( a ) ( 5 ) ( B ) ( ii )

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 2021-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
To Whom it may concern : On XX/XX/XXXX XXXX XXXX ( email address : XXXX, address : XXXX XXXX XXXX XXXX XXXX, NC XXXX ) sent me an email requesting my freelancer translation service. They agreed to send first half of my payment ( XXXX dollars ) on XX/XX/XXXX. The pay check was issued through XXXX XXXX by XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX The pay check arrived via XXXX ( Track number XXXX ) and carries more dollar amount ( XXXX ) than what is in the agreement ( XXXX ). My son helped me to deposit it on XX/XX/XXXX at chase bank location XXXX XXXX XXXX ATM machine. 
At this time, XXXX pressured me aggressively to return the difference through Zelle to : XXXX XXXX His Zelle associated phone number : XXXX Name on account : XXXX Since my bank showed the check was cleared and fully available, I sent XXXX dollars on XX/XX/XXXX and XXXX dollars on XX/XX/XXXX to the above through Zelle respectively. 
The same day they received the money, XXXX XXXX  informed me my account was over drafted, since the XXXX dollar check is fake. 

My address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX My phone number is : XXXX Sincerely, XXXX XXXX XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX ( 2 days ago ) to me Also, if you have XXXX, you can send the balance of {$650.00} via XXXX to the XXXX  information below : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CreditNinja Lending, LLC
State: ID

Complaint narrative:
XXXX XXXX XXXX sent an unsolicited debt recovery notice from Credit Ninja. Have never sought credit from Credit Ninja.

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 2021-03-07 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:
On XX/XX/XXXX, I called Transunion regarding fraud after an inquiry showed up on my credit report from XXXX XXXX, so I placed a freeze on my credit report until I could figure out this inquiry. When I spoke with Transunion 's agent, she told them it would take at least 30-60 days to remove this inquiry from my credit report. In the meantime. I contacted XXXX XXXX  and disputed the application and inquiry. I did file a complaint CFPB Case XXXX, your agency, to which XXXX XXXX  responded, and in the response on XX/XX/XXXX. In their response, XXXX mentioned they had sent back in XXXX of XXXX a request to remove the fraudulent inquiry from my Transunion credit file. Also in the response from XXXX XXXX, they stated they had sent another request to have this fraudulent inquiry from my credit report. 

As of this complaint, on XX/XX/XXXX, Transunion has failed to respond to either of my and that of XXXX Back requests dating back to XXXX of XXXX to have this inquiry removed from my credit report. With Transunion 's failure to remove this inquiry, which by consumer protection, has 30 days to remove and investigate this false information. As of this complaint, which is five months after my initial contact on XX/XX/XXXX, with Transunion, the inquiry is still reflecting on my credit report with them. 

" Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. ... If the review isn't complete because, as commonly happens, a data furnisher doesn't get back to the credit bureau in time, the agency is obligated to remove the disputed record '' Why hasn't this inquiry been removed? Their failure to do so has caused me higher interest rates and a lower credit score. What recourse does a consumer have with a credit bureau that failed a consumer?

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 2021-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I included documents along with my complaints Need cfpb to pay attention to it SLS is only a servicer who just take payments They are not a bank or deal with any mortgage assistance That why they lai They are rude They dont have any clue about the mortgage assistance like modification forebrance they do give any direction to how to apply where to send a request And when tell them I have a sale date on the corner and thins needs to happen ASAP SLS gives me silent treatment I have 2 eye witness and phone record of how the phone rep behaved The owner assigned of my loan is XXXX And XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX .MN XXXX Is the owner This loan was a fraud and gotten for me by fraud I was cheated with this garbage XXXX person who I included with this complaint with 2 other broker put me in this mess I cant get out of They stocked me with this garbage so called loan No ones tells me where is {$120.00} dolor crock SLS got between Keep your home California and XXXX county Supreme Court and I am still delinquent They dont send me statements They say so called delinquent is most their fraudulent fees attorney fee late fee I request a assistances on Monday XX/XX/21 I sent it by email and faxed And told them time is limited No one contacted me or confirmed of receipt of my request And they wont because this is how SLS operate My request is still in the email and no one will bother with it then when they get cut then they send a letter Either We are still working on you requests Or after careful reviewing ur case ur not qualify XXXX They never check anything or know anything about my case this is just in attempts to foreclose on my home Their intention is not to assist Just take my home

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 2021-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
The scam/fraud, I believe, starts with a XXXX hack and linked to Coinbase. The odd thing is how did they get past two-factor authentication ( 2FA ). The other thing not explained by Coinbase is that I noticed the hack on the same day and within hours of the hack and immediately locked my account. It seems also odd that when I sold an asset the process took not hours but certainly more than a day for it to clear the funds. Of course, I do not hear from Coinbase after locking my account and submitting a notice to Coinbase via their online help form and telephone request to lock the account. As of now, I have no access to my account or any meaningful info from Coinbase. 

Date of Hack : XXXX XX/XX/2021 Amount app {$24000.00} of ETH on Coinbase Notice given was XXXX XX/XX/2021 and account locked. 

No response but an email saying they will look at the account that is locked but no word from Coinbase.

Company response to consumer: Closed with monetary relief