vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: IA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH CAPIO PARTNERS. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29 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: UT

Complaint narrative:
I have sent multiple requests to have the negative items removed from my credit report. As of today I havent received a proper resolution and negative items are still showing. This situation has been impacting my finances in a negative way.

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 2021-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I had the companies mixed up and what happened the first time I reported these companies, so I have it right this time. 
They opened an credit card account for me, I enrolled in their credit protection program, I paid extra every month, to help with overdrafts and if you become unemployed and can't make your payments or keep the account open, etc. 
I paid on the card on time, and had a good payment history for about 3-7 months. Then I lost my job, I called and TOLD THEM I lost my job and I couldn't afford the card anymore and to close the account. 
They knew I was enrolled in their credit protection that covers unemployment, and they were supposed to write this off because of the program they offered and I was enrolled in.. So WHY they didn't and still until this day keep giving me flack & putting it back on my credit report, is a freaking mystery to me. Plus I don't owe anything to this company portfolio recovery XXXX 's, because I never got a product from them in the first place, so they shouldn't even be able to keep running my credit scores down by re-putting it on my credit at all. It's like they get some sick, twisted sense of self or their jollies off on bothering me and ruining my credit ratings at all 3 report bureaus.. 
This should have been taken off my credit report by now, and they RE-PUT it Back on my credit report AGAIN, running my credit scores DOWN Again! 
Something needs to be done immediately, because this is getting really ridiculous now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
The lender with which I've applied and have been approved has twice failed to fund the loan. 

For the second time in three weeks Ally bank has sent a closing officer to my house, had me sign everything, then waits until after the 3-day cancellation period ( Oregon ) and then continues to ask for additional information outside of the application.

After I provide each piece in a very timely manner they ask for one more. They asked for paystubs and I provided them and then they told me they could be doctored. They then said that a screenshot of the business bank account showing recent transactions ( within 10 days ) would suffice and I provided it. They then asked for my accountant 's information which I provided immediately.

This is all after we have already " closed '' the loan and waited until after the 3-day cancelation period. 

I have asked for the supervisor 's information and they refuse to give it to me. I have already paid for the appraisal and they have taken nearly 2 months and have still failed to close. 

I have provided all documentation and information to them almost immediately after they request it. My income, credit score, and assets all easily qualify for this loan and the refinance does not include any cash-out and I am refinancing at roughly 55 % LTV.

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 2021-10-29 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: National Credit Systems,Inc.
State: NC

Complaint narrative:
I left my wallet in my car and it had got stolen, recently I have noticed that there was some unauthorize charges on the account when I went to check on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: UT

Complaint narrative:
I have sent multiple requests to have the negative items removed from my credit report. As of today I havent received a proper resolution and negative items are still showing. This situation has been impacting my finances in a negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
XX/XX/XXXX I did not discover that I my mortgage pay off to JP Morgan & Chase was in question until today. 

I assumed a XXXX XXXX  in XXXX after being notified by JP Morgan that they were going to foreclose on my home due to the terms of the mortgage that I initially assumed had expired. 

I was able to secure a XXXX XXXX on XX/XX/XXXX thereby averting the foreclosure with JP Morgan. The Realtor that facilitated the sale was XXXX XXXX with XXXXXXXX XXXX located in XXXX, AL. We closed and I was informed that I was not getting any monies in hand. The only benefit was that the Mortgage company, ( I believe at the time was XXXX XXXX, XXXX California ) would assume payments. I didnt contend. I was grateful to keep my home but was a bit disappointed that I wouldnt receive any monies in cash. 

I am actively seeking a loan from USDA to do home repairs. I discovered today during a conversation with a current Representative from XXXX XXXX, the company that now holds my loan, that her records indicated that I was paid XXXX with XXXX being paid to JP Morgan & Chase. I informed her that I never received any money ; that I was informed I had no monies due me. She advised me to look into it. 

I contacted the Settlement Agency as advised, XXXX XXXX XXXX AL at XXXX on XX/XX/XXXX. A female Representative informed me that I needed to contact the company who received the payoff. 

I contacted JP Morgan & Chase on XX/XX/XXXX and spoke initially, with XXXX in Customer Service who told me that there was no record of any such loan with them under my name or Social Security Number. He connected me to the XXXX Department at XXXX this same date. He informed me that a XXXX  XXXX requested that I fax over everything I had to them. I responded no, that I needed to speak to someone. Later I was connected with a XXXX, who identified herself as an XXXX XXXX who also stated that they had no information on me having a loan with them. 

Later that evening, I received a call from XXXX of JPMorgan & Chase at XXXX who stated that she found my record but that she didnt see any record of their company receiving g anything other than {$100000.00}. Again, she requested that I fax her all the info that I have to them. I refused because I suspect that they/someone took {$69000.00} from me. 
If this is true I have been grievously defrauded. 

My home was appraised at I believe, {$190000.00}. I would like to know what happened to the rest of the monies less Realtor fees, etc. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: TX

Complaint narrative:
At the end of last year, I fled an XXXX relationship and began living of my Comerica Bank Credit card. I called them to let them know this and asked numerous times for lower interest rates, balance transfers, deferred interests etc all options I know is available to people like me -victims. Comerica bank refused to help my citing that my situation was not serious enough for them to help me. Keep in mind, my abuser tried to kill me and I was hospitalized. I began making payments and NEVER missed any payments. Then they began charging me HIGHER interests when I was not even making ANY purchases with the card. When I reported Comerica bank to CFPB, the retaliated against me by running my credit and lowering my credit limit. I called them to ask why and they said I have late payments. I DO NOT HAVE ANY late payments. they lied. Moreover, I found out from an employee that they were retaliating because of my numerous complaints against them. I have paid of the credit card in FULL as of XXXX. I called today XXXX to close the account and they began reading me " a disclosure '' saying that if I close down the account, they may never issue me a credit card in future. This is illegal and this needs to be looked into. My other banks have agreed to help me. I spoke to management at XXXX, XXXX XXXX and XXXX XXXX NONE of them reported me to the credit bureaus. None of them lowered my credit limit. Comerica BANK is a XXXX and discriminatory bank and I will never use them again. CFPB needs to look into them 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 non-monetary relief
Consumer complaint received 2021-10-29 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/2021 someone accessed my Coinbase Wallet Transferred all my XXXX  holding to XXXX  then transferred my XXXX  to this external XXXX  account that is not mine : XXXX They stole $ XXXX from my Coinbase Wallet. I immediately locked my account when I discovered this occurred. I have tried to request help from Coinbase by already creating two service tickets and have not heard back from them. I called Coinbase and their support could not help me and told me I need to wait from an email from them and they will only communicate via email. This is unacceptable from a company Coinbases size.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: MD

Complaint narrative:
On XX/XX/2021 around XXXXXXXX XXXX EST, I received a phone call from someone posing as a XXXX XXXXXXXX XXXX representative. The person identified himself and called from the XXXX XXXX customer service number ( XXXX ). The person informed me that someone in XXXX, Florida by the name of XXXX XXXX was trying to wire {$3500.00} via Zelle from my XXXX XXXX debit card that ended in XXXX The person told me I needed to log onto the XXXX XXXX website. He informed me that the money in my account ( he knew the nickname on my bank account ) was froze. He told me I needed to wire {$3500.00} via Zelle back into my account. Initially I was unsure if the person was an actual XXXX XXXX representative, but since he called from the XXXX XXXX phone number, had my cell number, and knew the nickname on my bank account, I thought he was a real representative. In addition, I am unfamiliar with Zelle. So I followed his instructions and completed four transactions that totaled {$3500.00}. Unfortunately, I provided him the verification code I received via text message. After I completed the transactions, the person immediately hung up the phone. I immediately re-dial the number he called from, which was the number to XXXX XXXX customer service. I spoke to a XXXX XXXX representative and filed four claims. Just fyi, prior to this incident I lost my wallet at a restaurant in XXXX, VA. Therefore, I believe this person had my old debit card number and go access to my personal information and bank account information. The person sent me a message alert via text from XXXX. 

I received a status update from XXXX XXXX on XX/XX/2021. XXXX XXXX informed me that the bank contacted Zelle to try to get refund on three of the four claims. XXXX XXXX also informed me that the bank is at Zelles mercy and Zelle does not have a specific time frame ( and perhaps obligation ) to respond. 

This complaint is against Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I currently am still being forced to pay on a Lemon Car that was sold to me from XXXX XXXX XXXX XXXX, XXXX Texas XXXX XXXX. My car was financed through a loan vendor called Western Funding Inc. I payed a down payment of {$1900.00} and Im currently paying {$200.00} to pay off my car. Now the dealership that I purchased the car from did not inform me that the car will practically break down in two months due to the car having built in sludge in the engine. My car did come with a 2 year warranty but is practically useless due to the fact my car is broken down because of built up sludge in my engine which caused a whole in my engine. I was informed by my Warranty company XXXX XXXX that due to my car being caused to break down from Sludge it is not repairable by the warranty therefore I would have to come out of {$6000.00} just to get my engine fixed. Mind you the car XXXX  XXXX XXXX was sold to me with the pay off balance being {$6000.00}. Now my issue is, Im stuck paying on a Car note and paying back a loan for a car thats not drivable, due to lack of professionalism and trust from XXXX XXXX XXXX. I dont want to repo my car as that will damage my credit. The reason I purchased a car was to build my credit, made all my payment on time. I need answers on the best way to resolve this. I cant trade in my car, because XXXX XXXX XXXX says they no longer do trade ins. Ive contacted everybody including my warranty, dealership, and Funding of the bank. Nobody is really giving me an reason. Very stressful knowing my credit is on the line.

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 2021-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: IA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH PHOENIX FINANCIAL SERVICES. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
Ford Motor Credit company on XX/XX/XXXX agreed to release the lien on my XXXX XXXX XXXX title electronically to the NYS DMV, once I title it in NY. The vehicle is titled in NC a title holding state held by Ford, which I need to transfer the title to NY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Several accounts on my credit report are fragluent and should be removed immediately. I have completed several documents to provide support for my claim. I provided the FTC to show that these accounts don't belong to me and then I also completed CFPB that received no response. According to the law to protect consumers, after the investigation the documents are supposed to be provided to the consumer, me. The accounts in question are XXXX XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. First off the results of the investigation were never shared with me. Secondly the production of a wet signature was provided. 

The claims that were not responded to with document are as follows : XXXX & XXXX American thrift & finance XXXX & XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX Attached are documents to support my claim

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 2021-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
We requested a Covid-19 forbearance XXXX of 2020 and additional extensions as we had a loss of income due to the pandemic. We have reached the 18 month mark and are ready to resume our mortgage payments. 

We contacted Select Portfolio Services to advise that we were ready to continue making our mortgage payments and after a series of questions we were advised we needed to send in a full borrower assistance package that includes but is not limited to : two years of tax returns, pay stubs, hardship letter, utility bills, etc. 

According to the online resources for XXXX XXXX, their website information states a full package is not needed in order to get a deferral, modification etc. unless we are disqualified from said programs for a specific reason. We have asked SPS at least on 3 or 4 different occasions if we do not qualify for the Covid-19 relief options for a specific reason and we have not been given one. The only thing we have been told is that we are REQUIRED to send in a full and complete package due to investor requirements even on Covid-19 options. 

We do not want to be at risk of losing our home so we are going to send in a full package, however, we would like this issue to be investigated due to the conflicting information on the XXXX XXXX website and what we are being told by the servicing company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
XX/XX/2021 at XXXX I received a called from a person claiming to be a Wells Fargo fraud specialist and detected unusual activity. During the call the person on the phone broke into my Wells Fargo online banking and initiated a wire transfer of {$9800.00}. I immediately went to the bank and told them someone is pretending to be me and to stop them. My pin and online account info was changed immediately. During that the time I received a call from an actual Wells Fargo wire transfer team asking me about this and verifying it was me. The bank teller told me not to answer my phone. I feel had I answered my phone I could have prevented this wire from being completed. I was also assured by different bankers that my money would be returned to me. The claim was eventually denied and this person that the bank has knowledge on is still on the streets.

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 2021-10-29 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I have file several dispute to the bureaus, and creditor in regards of the inaccurate, errors, name, addresses and derogatory items on my credit report.. It's well over 90 days and I haven't received any results nor correction or deletions off my credit report ... At this point the parties involved is in violation of the FCRA and compliance law.. 

pleas help me by assisting with making them comply and and remove the items off my credit report..

Company response to consumer: Closed with explanation