vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-08 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:
I've been disputing these accounts for months, they do not belong to me and should not bereporting to any of these bureaus ( experian, XXXX, or XXXX  ). Month after month theyhave not removed these false names, accounts, and inquiries on my credit 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 2021-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
Chase decided to lock my account on XX/XX/2021 and I've been told it's pending closure as of XX/XX/2021. They won't give me a reason why. I've called and also gone in to the branch today and they tell me I am not able to access my account AT ALL and that it's under review. They can't tell me why it's under review or anything. How are banks allowed to close someone's checking account and not tell them why or even let me gain access to their money? What if it was fraudulent, and someone out there has my info? What if they thought something looked suspicious but it wasn't so then my account is being closed for no reason at all! I wouldn't know because they won't give me any info! All the money I have to my name is held in my chase checking account. What the XXXX am I supposed to do if I can't access it to pay my bills, to buy gas or food?? This is the most ridiculous thing that I've ever had happen. How do they have the right to do this? I have no money currently due to this situation. They said they will mail out a check once the review is complete and that could take anywhere from 2 -10 business days maybe longer? I can't wait that long. I have bills due this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: MI

Complaint narrative:
XXXX XXXX continues to report erroneous information on my credit report despite numerous requests to have the fraudulent information removed over a period of months. I filed a police report detailing a fraudulent account listed on my credit report from XXXX XXXX and I also filed an identity theft packet directly with XXXX XXXX. XXXX XXXX responded and said that they verified my name, address and social security number and therefore determined that the account is mine. I am a victim of identity theft and my name, address and social security number have all been breached. This is an improper and malicious way to verify accounts after receiving valid police reports and documentation from me detailing the identity theft and crime. I also disputed the accounts with XXXX, Equifax, and XXXX, all of which blocked the fraudulent account with my police report pursuant to the Fair Credit Reporting Act. XXXX XXXX was notified of the blocks and failed to comply with federal law as they then insisted on requesting the blocks be lifted and fraudulent accounts be restored to my credit. The credit bureaus are now saying I need to address the matter with XXXX XXXX directly and XXXX XXXX insists on the saying fraudulent account is mine because my name, address and social security number match. This has been an ongoing nightmare for over 6 months now and is causing me great harm as fraudulent items continue on o appear on my credit reports and XXXX XXXX is knowingly reporting erroneous and inaccurate information for their companys financial gain at the expense of victims of identity theft and in strict violation to federal law!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: MI

Complaint narrative:
XXXX XXXX continues to report erroneous information on my credit report despite numerous requests to have the fraudulent information removed over a period of months. I filed a police report detailing a fraudulent account listed on my credit report from XXXX XXXX and I also filed an identity theft packet directly with XXXX XXXX. XXXX XXXX responded and said that they verified my name, address and social security number and therefore determined that the account is mine. I am a victim of identity theft and my name, address and social security number have all been breached. This is an improper and malicious way to verify accounts after receiving valid police reports and documentation from me detailing the identity theft and crime. I also disputed the accounts with Experian, XXXX, and XXXX, all of which blocked the fraudulent account with my police report pursuant to the Fair Credit Reporting Act. XXXX  XXXX  was notified of the blocks and failed to comply with federal law as they then insisted on requesting the blocks be lifted and fraudulent accounts be restored to my credit. The credit bureaus are now saying I need to address the matter with XXXX XXXX directly and XXXX XXXX insists on the saying fraudulent account is mine because my name, address and social security number match. This has been an ongoing nightmare for over 6 months now and is causing me great harm as fraudulent items continue on o appear on my credit reports and XXXX XXXX is knowingly reporting erroneous and inaccurate information for their companys financial gain at the expense of victims of identity theft and in strict violation to federal 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 2021-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MI

Complaint narrative:
My Amerisave loan account has been erroneously transferred to the Amerisave Bankruptcy Department. I am not in bankruptcy nor have I ever filed for bankruptcy. My mortgage payments to Amerisave have never been late. On several occasion I have respectfully requested that my loan account be removed from the Amerisave Bankruptcy Department and place back in good standing. Amerisave reported my account to the credit agencies causing my credit score to drop over 250 points. 
I have spoken with XXXX, XXXX, XXXX and several others from the Bankruptcy Department and they were unable to restore my account to good standing, nor could they offer any explanation to justify this error. 
My mortgage statement dated XX/XX/XXXX indicates that on XX/XX/XXXX I was charged {$350.00} for Foreclosure Attorney Fees. I AM NOT IN FORECLOSURE OR BANKRUPTCY! 
Please keep in mind that I am never late for a payment and I always pay about {$650.00} extra to be applied to my principal. 
Please Help

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TN

Complaint narrative:
I am in the public service student loan forgiveness program. In checking on my qualifying payments as I near the end of my ten years of service, I found two months that were not counted and called MyFedLoan to discuss those months as I have always been enrolled in automatic payments that were deducted from my checking account. The months are XX/XX/XXXX and XX/XX/XXXX. I was told over the phone in XX/XX/XXXX by MyFedLoan that those months occurred because I was not billed when my loans were transferred between servicers. I asked if I could make those months up since I was on automatic payments and was not advised about this happening. I was told that MyFedLoan had opened a formal inquiry for me and would get back to me to let me know if I can make those payments up. I never heard back, so I wrote to them on XX/XX/XXXX, asking to make those payments up. Again, I have never had a response. 

In reviewing my records, my loans were not transferred to different servicers on those dates. They were still being serviced by XXXX, who took my payments via automatic deduction. XXXX did not tell me they werent taking those months and never gave me the opportunity to make those payments up. MyFedLoan says I wasnt billed at those times, but there was no way for me to fix it since I was on auto-payment and was not notified about this. 

Two months toward my 120 required payments for loan forgiveness will help me a lot because my family is moving to Colorado for my husband 's job and I do not want to stay behind with our XXXX being apart from his dad any time beyond what is necessary to finish this program. Anyway, I have never heard anything back from MyFedLoan about whether they will permit me to make up those two payments to have them qualify toward the 120 payments for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX office during those months ( and submitted the required employment certification to prove it ) so I just need to make up the payments since I was not able to do it when they transferred my loans at the time. Thank you so much for any help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I started the process on XX/XX/20. My credit it was good. the appraisal came in where it needed to be. They asked for more documents. I gave it to them. Now they are asking for the same documents again. After doing an internet search, Newrez has a history of stringing people along.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
They are calling all the time and they are representing themselves by saying the officers are coming to get me. They have gone as far as to reach out to my wife 's ex-husband. They have contact folks we have no idea how they got the information and no they are threatening, my family and step- children. This needs to stop. I have spoke to them and let them know that due to COVID, I am currently unemployed and don't have the money. Even advise to just add to my credit. But, they continue even as late as XXXX and as early as XXXX they are calling. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
So to begin, on XX/XX/2021. I initiated ( Sent ) a XXXX XXXX p2p ) payment of {$950.00} to a family member as a loan to help take care of some bills she had owed money on using my personal bank account at CAPITAL ONE. Usually when sending money from my bank to someone, it typically arrives to the receiver with in minutes, as it is something that I also often do without having to deal with any know issues. However, this time around not only did it take more than a few minutes to arrive to the recipient, it has also been a TOTAL OF 27! DAYS! Since Ive initiated this payment and the money have still not been received by my family member. We have both spoken to our banks about this issue, on her end she was told by her bank that they have authorized the payment to be released in her account but however, my personal bank CAPITAL ONE have refused to let go of the funds that I sent. Ive spoken on the phone with an agent from Capital One on exactly the date XX/XX/2021, I was told on the phone that since it was an XXXX payment the transfer was already made and they could not cancel it neither return the funds, but I was told that I can dispute the transaction which was I what I did and I was told the very same day via email that We finished researching your dispute ( s ). Based on the information we have, your claim has been denied because : We finished looking into your claim and didn't find an error.. Almost a month later the recipient still hasnt received the payment of {$950.00} that was i sent and was told by their bank that they have seen the transfer transaction but has not received the money from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
I had my account locked because something weird happened when I was moving my crypto from my vault to my wallet and I didn't want to take any chances. So I called the toll free number Coinbase has for potential fraud, it recognized my number and automatically locked my account down. Which is fine. Then I contacted the company to inquire about the anomaly that spooked me and after two weeks, and repeated emails, they never responded. Then I tried to get my account unlocked online. However in the intervening time between contacting Coinbase the first time and my attempt to get my account unlocked, I got a new phone ( kept the same phone number. ) There is a multi-step process to get the account unlocked ( which is good ), but one of the steps requires getting some numbers generated on my phone through the XXXX XXXX app that is linked to Coinbase. Well I downloaded the app onto my new phone but it couldn't link it with Coinbase and was unable to receive the code. So I am unable to unlock my account. The Coinbase web site says there is a way to get things unlocked by bypassing the need to generate a code, but when you click on the link to bypass, it takes you to a page where it asks to generate a code through the Authenticator app! So I'm stuck in a closed loop and can't get my account unlocked. I have contacted Coinbase support ( they no longer take calls, you can only go through their contact page ) to ask for help in getting the account unlocked. I have sent three emails. Each time I have gotten an auto-generated response providing information that doesn't help and a notice that they are very busy and it might take a couple of days to hear back from them. Well it's been several days past that and nothing. In addition, when I did a search online, I found hundreds of other complaints posted by people who are also experiencing problems with Coinbase and are getting no response from tech support. I'm a XXXX citizen with no income and the money that I have invested with Coinbase represents a huge part of my savings. Not being able to get my account unlocked is causing me a great deal of stress and worry. Please help. Thanks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-08 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: NY

Complaint narrative:
Experian you have been requested in over 100 written communications, since XX/XX/2020, if a liability obligation reported on your credit report requires a signed document evidencing an enforceable auto lease agreement and to provide a copy of this written agreement? 

Your most recent CFPB XXXX communication undeniably represents compelling evidence of your willingness to participate in unusual and deceptive commercial practices.

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 2021-02-08 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: Nations Direct Mortgage, LLC
State: LA

Complaint narrative:
I was on a deferment plan that was approved for XX/XX/XXXX to XX/XX/XXXX due to me not working due to COVID19. Somehow, Nations Direct Mortgage reported me late on XX/XX/XXXX. I have attached my mortgage statement for that time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I graduated from college in XXXX and in XXXX the school went under and lost their accreditation for doling out high interest rate loans. When the school lost accreditation, I worked with Navient to try and pay this off while clearly struggling with payments to no luck. Hoping someone can help me sort through this! I hate how they will offer absolutely no resolve and instead hot potato you to different departments. I'm so underwater with payments for a school that got punished for these loans, myself getting punished by these loans, and not one ounce of consequences for the loan companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
My fiance and I went to XXXX XXXX car dealership in XXXX, Florida to trade in her vehicle for a new one. We were {$9000.00} upside down in the vehicle. They told us no problem. We told them to run our credit report once. We did not want them repeatedly running our credit. She found her dream car, a XXXX XXXX XXXX. I offered them {$500.00} down they told me to save it, it would only lower the payment by {$20.00} or {$30.00}. We took the car home that Monday night. The next morning she got alerts on her phone that her credit was still being inquired. I went to the dealership and asked the XXXX XXXX about it and he told me, after looking on the computer that we had two approvals and the deal is done. Fast Forward to Friday, we called the dealership about the remote start and they told us the XXXX needed to speak to us. He said, they were requiring {$2500.00} down to close the deal. We went back and we negotiated a {$1000.00} down payment with cash due in 30 days. They day before I was about to give them the first portion of the down payment they told us there was no deal and wanted the car back. Not only was my fiance crushed, we were now two months behind on the other car payment and our credit scores had gone down over XXXX points because they repeatedly ran the deal to 20 different primary and secondary lenders without our permission after assuring us we had two approvals and the deal was done.

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 2021-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Synovus Bank
State: AL

Complaint narrative:
Synovus Bank has locked my online checking account access and is not allowing me access to funds transferred to the bank to fund the account by ACH. I was notified of these actions through emails on XXXX/XXXX/21. I have since contacted the bank 3 times now and nobody can/will tell me what is going on and refuse to let me talk to the department in charge of locking my account. Also, I am being told that my account may remain in this status up to 60 days, which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Comerica
State: WI

Complaint narrative:
I have a direct express card to receive payment for some one im payee for. Their payment card expired and im supposed to get one sent automatically. They never sent it. I tried calling all day from monday XX/XX/XXXX to wed the XXXX it kept saying its a high volume of calls. My recipient ended up calling ans gtting through on threeway. The lady ad she would expesite the card after i ecpressed my issue with them not answering she confirmed my address and phone and stated the card would be expedited for XXXX and and she confirmed my phone number and said she would send the tracking number ... and tht the card would cm friday on Friday nothing came so i waited Saturday nothing came now its Monday and nothing has come. I can not pay bills or buy hygiene or food for my recipient.. i have called all numbers available and everyone tells me to call XXXX they are to this moment saying theres a high volume of calls and it hangs up i dont kno what to so but to keep calling ive called 103 times today already and last week im sure i called 1000 times..i dont kno what else to do so i figured id file a complaint

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-08 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:
I've been disputing these accounts for months, they do not belong to me and should not bereporting to any of these bureaus ( XXXX, equifax, or XXXX  ). Month after month theyhave not removed these false names, accounts, and inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The reason for this letter is to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered inquiries that I have no knowledge of. 

Because I did not apply for credit. I have also reached out asking that they remove the inquiries from my credit profile.

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