vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2017 a credit card with this company was opened without my authorization or knowledge I have never had an account with them or authorized anyone to open an account on my behalf. This account was open fraudulently and is a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have attempted to reach Pro Collect on numerous occasions regarding this debt that I allegedly owe. I never had an account with the original creditor and have also received no response from them when asked to show documentation or a signed contract. I know that I have no signed contract with Pro Collect nor did I authorize them to open an account in my name. It is illegal to add unverified and/or inaccurate information to a persons credit profile. With that said I am demanding that Pro Collect provide original signed contracts that prove they are attempting to collect a debt from the correct person, proof that they are a licensed debt collector in the state in which they are attempting to collect from along with their license number AND proof that they have the legal authority to represent the original creditor in legal matters. 

If these things can not be provided I will be handing this over to my attorneys and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.

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 2021-02-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 two separate transfers were made from my savings account into a closed CD without my permission or knowledge. The CD account where the funds were transferred to matured in XXXX 2020. I noticed the two transfers from my monthly statement and immediately contacted Bank of America. The representative I spoke to stated the funds were transferred to the closed/matured CD account and could not locate the funds. After multiple visits in person at a local Bank of America branch as well as numerous hours on the phone, they have not refunded the money stolen from my bank account. Attached is an internal email sent from a Bank of America relationship manager to other Bank of America employees asking for help on the matter. 

The two transfer amounts : {$1500.00} {$1300.00} Claim numbers they gave me : Claim # XXXX Claim # 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 monetary relief
Consumer complaint received 2021-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
I have been a customer on Coinbase for years. I tried to log on XX/XX/XXXX. My portfolio, linked bank account, tax information. Everything has disappeared. I have called 3 times. Emailed and opened 3 cases over the last 2 months. Have posted on XXXX. All with no response. I am missing in total over an excess of {$20000.00}. I have all the emails of my purchases in the past with reference numbers for the purchases and I have my bank account statements with the withdrawal statements on them. No access to my money and no customer service to talk to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: OH

Complaint narrative:
I have a few addresses on my credit report that do not belong to me and I have issues with my verifications for my job. I really need these addresses off my file please delete remove the following:XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH 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 2021-02-05 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: OH

Complaint narrative:
I have a few addresses on my credit report that do not belong to me and I have issues with my verifications for my job. I really need these addresses off my file please delete remove the following:XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH 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 2021-02-05 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: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Flagstar Bank and XXXX XXXX. The Account Opened is Flagstar Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$580000.00}. The Account Opened is Flagstar Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$190000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-02-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
In 2020 I was working 2 jobs. One was a XXXX XXXX  in a local XXXX  and one was a XXXX XXXX job in a local XXXX. Once the COVID lockdowns were put in place, I was out of both of my jobs. I asked my lender for a forbearance due to myself having no income. My lender refused, I filed a complaint with the CFPB, complaint number XXXX, and my lender agreed to give me the forbearance in XXXX - XXXX. They then allowed me to extend to XXXX XXXX, 2020. After XXXX they cut me off and refuse to let me extend the forbearance. My income is down due to people still being afraid to go out to eat causing me to get less shifts. I have inquired via internet and VA loans should receive the 360 days under CARES. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: OH

Complaint narrative:
I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap.

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 2021-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had an identity theft in XX/XX/XXXX, including theft of my Bank of America Credit card. The fraudsters changed my account address, email and phone number. I reported it to the police but the police have made no progress on investigating this. 

Then, they made about {$5000.00} in additional charges. I have called and talked to Bank of America repeatedly, talked to multiple departments, escalated the issue to get this addressed to no avail : They have XXXX  up time and again including : - They cancelled my account that was previously in good standing since XXXX - They sent a new card to the fraudsters address even though I told them to send it to me. The fraudsters went wild with the new card and charged up several thousand dollars - BofA are a complete run around to deal with and transfer you all over the place. XXXX has a much better process and system and resolved issues in a about a week. 
- I went into the local branch to take of this and the branch said it wasn't their problem and they couldn't help me - XXXX? - the Retail silo and the credit card silo at BofA dont like each other, don't talk to each other and completely XXXX up when it comes to resolving issues for consumers. 
- I couldn't get online access to see my accounts and what was happening. I still don't have this. I finally am getting paper copies sent to my right adddress. 
- I had enrolled in paperless banking, so I had no access at all to my account, couldn't see the fraudulent transactions and wasn't getting bills - BofA originally reversed the fraudulent charges and then put them back on my bill - over $ XXXX - The fraudsters opened a BofA bank account with the fraudulent address even though I reported that this address is fraudulent - My credit has been damaged and BofA refuses to change any of their reporting to the credit agency - The fraudsters keep trying to open BofA cards in my and my kids names. The credit is denied and my credit score continues to tank. 
- You know why the fraudsters keep trying to open fraudulent accounts at BofA and not other institutions that I bank with? Because they know how bad BofA is at detecting fraud and works their silos against them. 

I'm totally fed up and I'm going to sue these XXXX after I send letters to the editors.

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 2021-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
I have attempted to reach Nationwide Recovery Systems on numerous occasions regarding two debts that I allegedly owe ( {$1900.00} and {$68.00} ). I never had an account with the original creditor and have also received no response from them when asked to show documentation or a signed contract. I know that I have no signed contract with Nationwide Recovery Systems nor did I authorize them to open an account in my name. It is illegal to add unverified and/or inaccurate information to a persons credit profile. With that said I am demanding that Nationwide Recovery Systems provide original signed contracts that prove they are attempting to collect a debt from the correct person, proof that they are a licensed debt collector in the state in which they are attempting to collect from along with their license number AND proof that they have the legal authority to represent the original creditor in legal matters. 
If these things can not be provided I will be handing this over to my XXXX and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX  and Shell Point. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$580000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500000.00}. The Account Opened is Shell Point Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$190000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-02-05 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Shell Point. The Account Opened is Shell Point Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$570000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
I completed a mortgage refinance with XXXX  in XX/XX/XXXX. I made the first 2 loan payments ( by check ) for the payments for the payments due XX/XX/XXXX and XX/XX/XXXX. Both payments ( $ XXXX/each ) were made and the checks cashed in XX/XX/XXXX. In late XXXX the XXXX  loan was transferred to AmeriHome for loan administration. The two XXXX  checks have never been applied to my AmeriHome loan account. I have made several attempts to get this cleared up since early XXXX even communicating with the Office of the Presidency. I have sent AmeriHome the XXXX  loan number, electronic copies of the 2 checks along with the XXXX checking account statement that references the 2 check debits. None of this has gotten me anywhere over the last several weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc.
State: AR

Complaint narrative:
The Bureau collection item appeared on my XXXX XXXX credit report with no credit report. 
I have no knowledge of the account. 

XXXX responded they can not locate an account with the information provided, therefore they should remove from my XX/XX/XXXX Credit Report. I do not have another name. I submitted a dispute via XX/XX/XXXX again on XX/XX/2021. There is no account number on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: MA

Complaint narrative:
experian continues to report a XXXX account that is owned by XXXX XXXX XXXX XXXX. They refuse to allow me to dispute it, I reported and disputed this 3 months ago, which proves that they didn't verify the account, they only updated it through my dispute. When I call to dispute, they have my SS # flagged and I get locked into the automated system. In addition to them not removing or validating this account, they say I need to verify my info, however, they reach out to me using the very same address. This is all a tactic to keep reporting an inaccurate account on my credit report. Do they get paid to keep negative accounts listed? if so, that would explain their deceitful practices and blatant refusal to remove these accounts from my credit report. In addition, they recently added a new chargeoff on the account, leaving 2 chargeoffs back to back, when it was originally 1 chargeoff. Its now reported as 3 late payments, which gives any creditors the impression that I was late on 3 accounts. MY FICO score is XXXX, the lowest score of all three bureaus. in addition, they refuse to remove XXXX XXXX, who wrote asking EXPERIAN to remove this account as it was removed from the other 2 bureaus a 30 day late payment was added in error and XXXX XXXX  is now asking again for Experian to remove it. I have 2 emails from XXXX XXXX  as proof.

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 2021-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
Since I opened the account a year ago I have been getting charged overdraft fees. Ive written, called, and went in to tell them to turn it off. Now it is getting ridiculous. I am getting charged 2-3 times for every overdraft. {$72.00} for a {$1.00} overdraft. It is wrong in times where the world is in a pandemic. It is greed like this that has taken away humanity in the world. I am a XXXX XXXX XXXX with no job and no unemployment. I do not need my bank robbing me of XXXX  of dollars charging me 3 times per overdraft fee. I feel like it is illegal and wrong that a company can do this and get away with it.

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 2021-02-05 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
My mother, an elderly ( XXXX ) XXXX  XXXX, was taken advantage of by a former student, facilitated by the predatory lending practices of the lenders, initially to cosign on a XXXX  loan with encouragement from the lender and then she was duped into allowing the lender, Navient to make direct withdrawals from her bank account to make payments on the student loan. 

Navient directly withdrew the payments from my mothers account from XX/XX/XXXX through the end of XXXX. We discovered the withdrawals in XX/XX/XXXX and immediately contacted Navient and insisted that they cease the withdrawals, yet they continued to make withdrawals for two more months. We then entered a stop payment order with my mothers bank yet Navient contested that stop payment order even knowing that they were not authorized to make such withdrawals. 
Navient engaged in predatory lending practices by directly facilitating the taking advantage of an XXXX XXXX XXXX in order to receive payments on the XXXX  loan when it became apparent that the borrower was not willing or could not make payments. Navient admitted to us that it in fact talked with my mother in XX/XX/XXXX at which time Navient laid out the options for her assuming responsibility for the loan payments. In doing so, Navient directly participated in taking advantage of my mothers compromised position. Navient knew that my mother had no familial relationship to the borrower. Instead of encouraging her to assume responsibility for the loan, Navient had the responsibility to explain the borrower 's right to loan forgiveness and to inquire further as to my mothers ability to make that decision to assume payments on the loan. My mother had no legal obligation to assume those loan payments, but Navient willingly accepted those payments despite her position as a XXXX XXXX  who lacked the means to make those payments without adversely affecting her own financial condition. 
Navient failed to exercise due diligence in investigating my mothers capacity to make direct payments on behalf of the borrower. The result was that Navient participated in and facilitated the fraud against her. At the time Navient pressured my mother to assume responsibility for the loan, Navient had written documentation that my mother was living on a fixed income and lacked the means to make the payments without jeopardizing her own financial condition ( copy enclosed ). Navients actions were irresponsible and constituted predatory lending practices. 
We have reached out directly to Navient, but they refused to come even close to making my mother whole for losses from their wrongful withdrawals for more than 10 years from her account. They offered to return to her only about 20 % of what they took from her. 
We ask that Navient be ordered to repay my mother all monies that Navient withdrew from her account, with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
I have attempted to reach Enhanced Recovery Company on numerous occasions regarding this debt that I allegedly owe for {$1000.00}. I never had an account with the original creditor and have also received no response from them when asked to show documentation or a signed contract. I know that I have no signed contract with Enhanced Recovery Company nor did I authorize them to open an account in my name. It is illegal to add unverified and/or inaccurate information to a persons credit profile. With that said I am demanding that Enhanced Recovery Company provide original signed contracts that prove they are attempting to collect a debt from the correct person, confirm that the account in question has not passed its SOL, proof that they are a licensed debt collector in the state in which they are attempting to collect from along with their license number AND proof that they have the legal authority to represent the original creditor in legal matters. 
If these things can not be provided I will be handing this over to my attorneys and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.

Company response to consumer: Closed with explanation