vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Mortgage Account Number : XXXX. 

This is in reference to the original Complaint : XXXX filed by the Borrower with CFPB on XX/XX/XXXX. The Lenders response was not conclusive and the Lender Placed Insurance enforced by the Lender on XX/XX/XXXX was unbeknownst to the Borrower which was done in a clandestine manner and totally absurd. 

Subsequently, borrower approached XXXX XXXX Senior Vice President, Wells Fargo Home Lending and received the same scanty and sketchy statements from 3 different individuals. In view of the above, Borrower is forced to approach CFPB once again and to look into this matter carefully and request a proper resolution in this matter before closing this file. 

Below mentioned is a summary of the subject matter and the communication between the Lender and the Borrower : 1. There was a lapse in the Insurance Coverage from XX/XX/XXXX which was notified by the Lender to the Borrower on XX/XX/XXXX. 

2. Borrower managed to procure the Insurance Coverage with XXXX XXXX  Policy Number : XXXX, with effect from XX/XX/XXXX to XX/XX/XXXX and provided the relevant details to the Lender during the month of XX/XX/XXXX. This was confirmed by the Lender and both parties agree to the above facts and there is no dispute in this matter. 

3. Lender demanded Proof of insurance coverage for the lapsed period which was not possible and this was clearly known to the Lender. It is impossible for a Home Owner to purchase Insurance Coverage for a lapsed period anywhere in US and anywhere under the Sun. However, there are various Proxy Insurance companies used by Lenders to enforce Lender Placed Insurance on hapless Homeowners under the pretext of LPI and this particular company is specifically used by Wells Fargo and working at their behest. 

4. On XX/XX/XXXX Borrower demanded Payoff Statement from the Lender and in return on XX/XX/XXXX Lender provided with an additional burden {$4800.00} to my existing Mortgage Account when the outstanding principal balance was only {$14000.00}. 

5. This was a covert attempt executed in a clandestine manner to enforce the Lender placed insurance under the pretext of lapsed period Insurance coverage to my Mortgage account. This whole action was totally unwarranted and it is clearly evident from the above that the Lender acted in an unfair manner. Florida Law does recognize an implied covenant of good faith and fair dealing in every Contract which is clearly mentioned in Florida Statue 624.155 6. Attached herewith is an Abstract of the Mortgage Agreement Property Insurance which is self-explanatory and shown as Exhibit A. 

7. This Agreement doesnt authorize the Lender to enforce Lender Placed Insurance for a lapsed period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have been through 1 conveniently worded letter and 3 supervisors at the US Bank dispute department. Not one of them took the opportunity to explain to me that I could get ANY related professional to appraise / write the letter VISA needed by XXXX, stating that my hair dye job from XXXX XXXX had been corrected by the XXXX XXXX XXXX. I was led to believe that I needed that letter, specifically from the pandemic closed Beauty School. It was today, that supervisor XXXX called me back and explained that. Naturally, I am livid, feeling that I have been taken advantage of. XXXX XXXX originally told me I should wait until XXXX to see if the Beauty School opened back up to get the letter, and if XXXX would not continue with the dispute, then the money would be rightfully mine. As XXXX didn't wait that long and disputed it again, I did speak with his supervisor XXXX, who I did also explain to that I did not know what to do, as the Beauty School was closed due to the pandemic ( and that I had been trying to contact them in every way I could think of to get this letter, even by dropping a note off in their door ). These supervisors never once took the opportunity to make it clear that ANY hair care professional could write this letter that I needed, they just kept saying that the federal government and VISA was forcing their hand. So then I called VISA directly on XXXX and spoke to XXXX, inquiring as to the ethics of this law, since the Beauty School was closed due to the pandemic, who transferred me to XXXX in the US Bank dispute department to request the case to be reopened. I was told I would be notified within 48 hours as to whether the case would be reopened or not, but I was not. After my 3rd complaint here, I had naturally assumed there was some discrimination, because US Bank only submitted the merchant 's side of the dispute, not mine, so I requested to speak to a different US Bank supervisor. That is when supervisor XXXX explained this missing piece of information to me and I'm upset because it is past the due date time so nothing can be done. I find this all unprofessional and unethical, the teaming up and omitting of such information to take advantage of me ( who has been banking with US Bank for over 30 years ). 

Related to # XXXX, # 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 2021-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
On XX/XX/21 I signed up for a Coinbase account. This allowed me to make purchases for XXXX and XXXX via this site, which i did. On XX/XX/21 I lost access to my account and reported the issue to support. In signing up for service, my account access 2-factor for security was set up via SMS text. On XX/XX/21, my 2-factor SMS text was disabled by Coinbase thereby disabling my access to my account. Since then, customer support has refused to assist me in resolving this matter. As of today, I still do not have access to my account. Coinbase 's actions have caused me damages by not allowing me access to my account to withdraw funds, or sell my position to avoid losing money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Kentucky Higher Education Assistance Authority
State: NY

Complaint narrative:
The collection agency has not provided a signed agreement with the current collection company ( KHEAA ). The promissory note that was provided is from XXXX is with Higher Education Student Assistance Authority ( HESAA ) of New Jersey which is from 14 years ago! They have garnished my refund tax from XXXX illegally! This has caused a MAJOR hardship for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Commonwealth Financial Systems has reported three collection accounts in the amount of {$910.00}, {$110.00}, and {$94.00} to my consumer credit file. I do not owe this alleged debt! Commonwealth FinancialHAS NOT SENT any notice of collection to me at all. This is a strong violation of the FDCPA. If CommonwealthFinancialhas the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL CONTRACTUALDOCUMENTS stating and proving that I am responsiblefor this account that I agreed to and authorized the alleged debt in question in which Commonwealthhas reported to my consumer credit file. Commonwealth has no legal right to attempt to collect a debt as this does not belong to me. Again Commonwealth has not validated this debt nor sent me any notice of collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
ATTENTION TO THE CBE GROUP INC FORMER ( XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$630.00} does not belong to me. This account was fraudulently opened through this company THE CBE GROUP INC FORMER ( XXXX XXXX XXXX ) in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: CITIBANK, N.A.
State: NY

Complaint narrative:
While checking my credit report I noticed an unathorized inquiry on my credit report. I did not apply for an account through Best Buy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: AZ

Complaint narrative:
ok I have unauthorized inquiries and I have 3 accounts that I was never late on and 2 accounts that are identity theft that I didn't not open as described in the long letter attached. I have been battling this for over a year

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/XXXX I found an unauthorized inquiry on my credit report. On XX/XX/XXXX I mailed a letter to dispute inquiry with Discover, however I never received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ATTENTION TO THE XXXX XXXX XXXX FORMER ( XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$630.00} does not belong to me. This account was fraudulently opened through this company THE XXXX XXXX XXXX FORMER XXXX XXXX XXXX XXXX XXXX in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire XXXX SOME FORM OF LOAN XXXX In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Hello, I am reaching out once again regarding my debt. This is in response to the non-response I received regarding CFPB case : XXXX. Please send me in writing the amounts I owe for the TWO amounts showing on my credit reports. Responding " we sent this already '' is unacceptable customer service as I would not be reaching out to you if I had received the information before. You can attach it to the CFPB response as a PDF, please. 

I need you to show 1. ) The amounts owed of {$1700.00} AND {$250.00} 2. ) The dates that these amounts were accrued 3. ) The procedures completed for these two debts 4. ) The discount provided for being uninsured. 

I have another collector attempting to collect on a medical debt and require this paperwork to compare the information. 

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 2021-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Before the pandemic LVNV Funding and XXXX XXXX contacted me via phone and email threaten to take me to court for a lawsuit. I was getting harassing phone calls daily in the month of XXXX until end of XXXX. In the middle of XX/XX/2020 that is when they send me a court order to attend a lawsuit hearing. They threaten to send me to jail if I did not come to an agreement with them. I was shaken and frighten to be jail for something I know nothing about. The lawsuit cause my XXXX XXXX to go up and my health to decline with stress over the covid-19 and now lawsuits. I have attempted to contact them and was not successful. I left them detail messages and no one returned any of my calls. 

They stated that I owe them two amounts {$1000.00} and {$1100.00} ( LVNV Funding ). 
Sometime last year I heard of XXXX breach as well as XXXX breach. I am asking you to please help me put an end to the harassments from LVNV as well as XXXX XXXX who stated that I owe them {$670.00}. This will mean so much to me and my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: AZ

Complaint narrative:
I have unauthorized inquiries and 3 accounts I was never late on and one account that is identity theft and another account I do not know why it is on my report. I also have a chapter XXXX I never filed and I am asking for proof of papers I signed but you never gave them to me by law See letter attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I HAVE 2 PREVIOUS ADDRESSES THAT ARE NOT MINE AND 2 EMPLOYERS NAMES THAT ARE NOT MINE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I've been disputing the inquiry from Comenity Bank since XX/XX/20. I did not apply or have credit with Comenity Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA

Complaint narrative:
In XX/XX/XXXX, I refinanced a home loan held by Cardinal Financial. The loan was supposed to close on XX/XX/XXXX. I assumed that it had closed, however on XX/XX/XXXX I was contacted by my loan officer with some distressing news. He stated that Cardinal Financial had rejected the payoff wire from my title company. The reason Cardinal Financial gave was that they were waiting for a check to be returned from my tax collector. I had paid the property tax on XX/XX/XXXX and Cardinal Financial sent a duplicate check from my escrow account on XX/XX/XXXX. This created a " shortage '' in my escrow account. 

Cardinal Financial stated that they attempted to contact me " multiple times '' between XX/XX/XXXX XX/XX/XXXX prior to sending the wire back and rejecting the payoff funds. I have NO RECORD of any voicemail or email message from Cardinal Financial during that period. In their letter ( attached ) dated XX/XX/XXXX, they claim that they don't have a verified email address for me on file. Given the fact that they held a mortgage on my property since XX/XX/XXXX, this is both ludicrous and beyond belief. 

Cardinal Financial also claims in their letter that when they received the initial payoff funds, they contacted my title company who requested they " hold the funds until the shortage was received. '' I discussed the matter with XXXX XXXX and they state that no one on their team spoke with any representative from XXXX XXXX between XX/XX/XXXX XXXX date of disbursement ) and XX/XX/XXXX when Cardinal Financial returned the wire to XXXX XXXX. Furthermore, Cardinal Financial doesn't specify in the attached letter who they spoke with at the title company ( there are only 5 people on the team ). XXXX XXXX states that they would not have stated to hold the funds until the shortage was received. And obviously, XXXX would have reached out to me before XX/XX/XXXX if they had been awareof the situation. 

This whole situation has been extremely stressful and costly. I ended up paying an additional {$1500.00} in interest due to a situation that I had no knowledge of and that could have been handled without a delay of nearly a month. 

I am hoping you can provide a speedy resolution to this appalling situation. 

Enclosures : My email sent to Cardinal Financial on XX/XX/XXXX ( scan2 and 3 ) Response from Cardinal Financial dated XX/XX/XXXX ( scan 1 ) Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
Enhanced Recovery Systems is continuingto report a collection account to my consumer credit file. If Enhanced Recovery Company has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsiblefor this account that I agreed to and authorized the alleged debt that Enhanced Recovery Company is attempting to collect. Enhanced Recovery has no legal right to attempt to collect a debt. Enhanced Recovery has not validated this debt nor sent me a notice of collection. Enhanced Recovery is in violation of the FCRA and the FCDPA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I have the XXXX credit card and have been enrolled in automatic payments as far back as XXXX which posts as {$29.00} on the first of the month on my statements. I decided to check in on it a few days ago to find that the automatic payments were still enrolled but that the payments are not posting and that I have accrued two sets of late fees. I figured this was the site malfunctioning and that I'd accept the {$68.00} worth of late fees ( {$40.00} late fee on XX/XX/21 and {$28.00} on XX/XX/21 ) and make double sure that both automatic payments was on by resigning up for it on Saturday before due date and that it is connected to my correct and functioning bank account. I attempted to place a one-time payment to completely pay off my balance ( {$380.00} on XX/XX/21 ) but again the payment did not post for either. If I assume I forgot to hit the second confirmation on the one-time payment, my automatic payment should have covered the minimum due. I am now late for this pay period and will be given a larger fine. Customer service does not connect me to real people, and is not structured appropriately for dealing with disputes. I would like to be done with this card, but I must first pay off the balance that is destroying my credit and accruing late fees.

Company response to consumer: Closed with monetary relief