vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Credit Acceptance Corporation at : XXXX XXXX XXXX, XXXX, MI XXXX has reported a negative claim on my credit profile, demanding two separate payments of {$11000.00} and {$5700.00} for an auto loan that I do not owe the company, as I've no prior nor existing account with the company. 

I've steadily worked very hard to on my credit ove the past three years, living in an unbearable one  motel room with my family of four  in order to finally purchase a home at the end of XXXX, 2021 so that my family and I can begin to experience life with dignity again, particularly in the interest of my XXXX XXXX, fantastic XXXX. But Credit Acceptance erroneous claim on my credit profile have now reduced my scores about 90 points each, halting my ability to forge forward as I've planned. I can not let anyone try to defeat my hopes and dreams.

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 2021-02-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax and XXXX  refuse to acknowledge new information after receiving emails of payment dates. 
XXXX XXXX {$100.00}, dollars XX/XX/XXXX XXXX  XXXX XX/XX/XXXX {$50.00} dollars XX/XX/XXXX XXXX, dollars XX/XX/XXXX {$30.00}, dollars XX/XX/XXXX {$40.00}, dollars XXXX  XXXX XXXX  XX/XX/XXXX {$100.00} , dollars This is a breach of the public trust and should not be excepted nor excepting false information by federal licensed agents. 
During all this my bank XXXX allowed XXXX XXXX XXXX XXXX to fraudulently remove funds from my bank account for more than XXXX dollars and refuse to qaunitfy the reason by USPS this is requested because they can't be trusted clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Social Finance, Inc.
State: MI

Complaint narrative:
I fell behind on my payments in XX/XX/XXXX. I never signed anything and simply asked for a payment holiday. They put me in forbearance and changed the term of my loan. It is an installment loan with a fixed interest rate. It originated XX/XX/XXXX with a monthly payment of XXXX. I had missed three months of payments but now I am current as far as making 25 payments of XXXX. They say I owe interest from being late and made my monthly payment XXXX even after catching up with my monthly installments. They want me to pay over XXXX dollars more than what was agreed too. I simply want the old scheduled payment back to what we agreed too. I have already told them I will not make a higher payment since I never agreed to a higher payment in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  and transunion refuse to acknowledge new information after receiving emails of payment dates. 
XXXX XXXX {$100.00}, dollars XX/XX/XXXX XXXX  XXXX XX/XX/XXXX {$50.00} dollars XX/XX/XXXX XXXX, dollars XX/XX/XXXX {$30.00}, dollars XX/XX/XXXX {$40.00}, dollars XXXX XXXX XXXX  XX/XX/XXXX {$100.00} , dollars This is a breach of the public trust and should not be excepted nor excepting false information by federal licensed agents. 
During all this my bank XXXX allowed XXXX XXXX XXXX XXXX to fraudulently remove funds from my bank account for more than XXXX dollars and refuse to qaunitfy the reason by USPS this is requested because they can't be trusted clearly.

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 2021-02-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX  and XXXX  refuse to acknowledge new information after receiving emails of payment dates. 
XXXX XXXX {$100.00}, dollars XX/XX/XXXX XXXX  XXXX XX/XX/XXXX {$50.00} dollars XX/XX/XXXX XXXX, dollars XX/XX/XXXX {$30.00}, dollars XX/XX/XXXX {$40.00}, dollars XXXX XXXX XXXX  XX/XX/XXXX {$100.00} , dollars This is a breach of the public trust and should not be excepted nor excepting false information by federal licensed agents. 
During all this my bank Chase allowed XXXX XXXX XXXX XXXX to fraudulently remove funds from my bank account for more than XXXX dollars and refuse to qaunitfy the reason by USPS this is requested because they can't be trusted clearly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Trans Union, RE : REMOVE INACCURATE CREDIT INFORMATION Third Request I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 


XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX 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 2021-02-07 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: CA

Complaint narrative:
My parents took the loan out in my name. Only being a teenager I had no idea what this meant. I am now in my 40s, single mother trying to go back to school to get a good job and I cant because of this student loan that at the time I had no idea was going to haunt me for 20+years. I just want to better my life for my children and I cant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
My parents took a student loan out in my name when I was a teenager. It shows up in multiple ways on my credit. All preventing me from going back to school. I am now XXXX  and just want to better my life and my childrens. I cant do that if I cant pay for school. I tried to rehabilitate and could not.

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 2021-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2020 I ordered a physical product from XXXX for {$1000.00}. After several days and it still not delivering to me I called Bank of America on XXXX and again on XXXX and several times since then requesting to file a claim to dispute the charge. 

I am repeatedly being told that the type of charge that it was could only be disputed by me and a representative would not be able to help. I learned that this is a lie and illegal, your bank should never deny to file a claim for a transaction that you find questionable. I went into the branch at XXXX XXXX XXXX XXXX and they also refused to file a claim for this charge.

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 2021-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
XX/XX/XXXX was the last time I talked with my mortgage Servicer and requested an extension on my forbearance and if I could get any help with saving my home from going into foreclosure. The representative told be once my forbearance ends I will have to make my payment in full. XX/XX/XXXX will make exactly 1 year now in forbearance and when I called in XXXX they were able to approve my forbearance extension to XX/XX/XXXX. My Mortgage balance as of today is {$42000.00}. I am still impacted by XXXX because I am finding myself trying to catch up on all my bills while trying to work and raise my XXXX young children alone through COVID. They are home schooled and forces me to take time from work, which makes things more challenging. I want to clarify as of XX/XX/XXXX I was already behind on my mortgage trying to get help and because of that my mortgage Servicer will not help with deferring my total balance owed to the end of my mortgage. They are not willing to try and help me other than offering me a short sale or deed inLieu. I have no where to go and want to save my home. I am backed by a XXXX XXXX XXXX and was reading that as of XX/XX/XXXX its not required for me to pay my complete Forbearance balance in full and should qualify for a deferral but my mortgage Servicer is telling me otherwise. I am currently capable of starting to make my regular monthly mortgage payments but cant pay back the past due balance in full. My mortgage holder and Servicer is looking to foreclose on my home, its very obvious they dont want to help me. All I want is to place the balance owed to the end of the mortgage so I can continue making my regular monthly payments. Thank you.

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 2021-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
On the XXXX XX/XX/2021 I transferred XXXX from my XXXX bank account to my Coinbase account to buy Bitcoin with. I was able to buy bitcoin to the sum of XXXX and it was stored in my Coinbase Account. I then tried to send the Bitcoin to my Coinbase Wallet app on my phone and it asked me to re-upload copies of my ID, which I did, twice. Coinbase said I will be unable to do anything with my account until this process has completed. Coinbase said the process will take " a few minutes '' however I am still waiting for reverification of my ID. So essentially I am still locked out of my account over two weeks later. 

I have emailed coinbase multiple times regarding this and so far no one can tell me why this happened or how long I will have to wait to get access to my account reinstated. They replied back with a generic reply stating it would take 5-7 days and I needed to re-upload my ID, again. Which I did. I have now re-uploaded my drivers license and passport 4 times each. 

I have submitted my ID numerous times. I have 2 factor identification enabled on my phone, the same phone I have used since opening my account. I have only ever used the same XXXX bank account to directly transfer funds into my account. I even have a personal email domain, which again I have always used with coinbase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My wife died. XX/XX/XXXX. Spoke with Wells Fargo estate care center by phone, given case number, instructed to see banker at local branch with death certificate to close account. It took over a month for a banker to return the call. Appointment was made on XX/XX/XXXX for XX/XX/XXXX, XXXX XXXX, told to ask for XXXX. Arrived at XXXX XXXX, a bilinqual employee was speaking to someone in XXXX, a XXXX customer tried to get his attention and she spoke to him in a rude manner. He finally acknowledged me and acted like I was an XXXX when I told him that I had an appointment. Says that XXXX isn't there and that they do not close bank accounts for the deceased there and walks off. I call the estate care center again to tell them what is happening and she is just as dumbfounded as I am. She asks if there are other bankers on duty, which I replied that they didn't say. By then a female employee is standing there while I am speaking on the phone, so I ask her if there are other bankers on duty. She says that there are two. The estate care center suggests that I try another branch, the employee overhears this and says that the other branch is not open. I mention that I'm going to file a complaint, then the bank employee says that she would see if a banker would help me. She came back and said that the bankers were with customers, and to give them ten minutes, After 15 minutes, for a total of fifty minutes, I left. A very inconfident, rude and XXXX staff. Been banking there for twenty-five years and I don't even feel comfortable stepping foot in their parking lot again.

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 2021-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have been making additional principal payments Mr. Cooper since 2018. I noticed in my account that they chose to reverse my principal payments and apply them to my monthly payments instead, upon a phone call to the company they suggested that if they were to fix what they have done to my account then I would be behind and foreclosed upon. I need some help please. These people are clearly scamming me taking my money and not willing to address the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was scammed over the phone by XXXX XXXX  on XX/XX/XXXX when they said that they worked for XXXX XXXX stated they would sell XXXX  three weeks of that I had accumulated. I need to pay XXXX $ and in return they would pay me XXXX $ for each week that they would rent.After using my Bank of America credit card to pay the XXXX $ I immediately called my bank and open a Fraud claim we also changed the card number.In XX/XX/XXXX Bank of America fraud department paid for the scam, I called their fraud department to reopen the fraud claim.XXXX XXXX Bank of America denied my fraud claim again and sent letters and made phone calls demanding payment along with reporting the charge to the credit reporting agencies.Take it I have been banking with Bank of America for more eighteen years.

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 2021-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
I've sent written communications to XXXX  XXXX  requesting information regarding the debt on XX/XX/30. XXXX  XXXX  have not responded back with any information or even attempted to do so. This debt has been disputed many times. This collection agency has not been able to prove the debt belongs to me by not providing documents that were used for verification to legally prove this debt belongs to me. XXXX  XXXX  can not verify which documents were submitted to the credit bureaus to legally report. XXXX  XXXX  are not able to provide the employee 's name at XXXX XXXX ( original creditor ), date, time, and reporting details or what was verified with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Hello PayPal closed my account for no reason. I have done nothing wrong and have tried countless tones to talk with paypal about this issue. Ive received no help only copy paste responses. I have funds on my account that they are withholding without any good cause. As I again have done nothing wrong. The email associated with my paypal account is XXXX. My name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: TN

Complaint narrative:
Experian is showing paragon as something I owe. This is a medical debt. I can not owe a medical debt as I am a XXXX/XXXX member and that would be XXXX fraud to charge me for services outside of the insurance. I contacted experian about this and they refused to take it off of my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase credit card has changed their credit card so they they can charge cash advance fees on transactions that are " Cash-like transactions '' even though these are proper credit card transactions that Chase charges their regular fees to the merchant. Examples that Chase has cited, and has charged me for only in 2020 forward is for person to person money transfers ( payments for services ), account-funding ( like freelancer, or payments for service on XXXX ) and transactions that include currency transfer. Also included is using a 3rd party service for bill payments. 

These transactions are not cash advances. And hence should not treated like cash advances. The full credit card merchant fees were paid. Chase is trying to make more money from made up fees and taking advantage of the consumer. 

These types of transactions have been happening on XXXX for decades and other companies. Chase is trying keep a monopoly while squeezing out the other competitors. 

And they are trying to make more money off fees instead of legitimate banking. 

Visa has allowed a MERCHANT category for these transactions. However this is a MERCHANT categeory and not a Transaction category which would show if this is a real cash advance or not. 

Chase has no additional cost to these regular transactions as they are simply a credit card transaction like a purchase of anything else. 

Chase needs to be stopped from gouging the consumer with these extra fees that are hard to even assess when I am making the transaction to pay for a service. 

XXXX card has no such fees. nor do their try to take advantage of the customer with all these obtuse fees. I have not checked the other credit card companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: NJ

Complaint narrative:
Hello my name is XXXX XXXX. Last year I received a letter from a collection agency named Hayt, Hayt, & Landau XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX telephone ( XXXX ) XXXX about a delinquent credit card account I had. This agency made me an offer to settle the matter at a 40 % reduction of the original debt. I did so and paid them in full now a year later they are trying to charge me again for an account I have already paid off saying that I still owe {$880.00} and it is on my credit report. This agency is just taking peoples money and not reporting it as paid off to the credit unions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: NY

Complaint narrative:
I received a debit card from Chime in the mail. It looked like an advertisement but decided to call them to confirm it wasnt fraud. They advised that someone with my name, address date of birth, social but different email opened an account. 

They flagged it as fraud but wont give over the source of the direct deposit ( so I can contact that person ) or the person email address so I can give it to the police. 

They allowed someone to open an account with insufficient identification ( no ID, no copy of social ). They do not have controls in place.

They also do not have a way to speak with someone. All correspondence is via email or the app. They wont speak to me unless I email them a copy of my license ( I don't trust them with my personal information ). 

Let me know if you need the account or routing #.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: RI

Complaint narrative:
Ive been working with XXXX XXXX  submitted all paperwork for a modification. With no response. This was in XXXX.

Company response to consumer: Closed with explanation