vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-03 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I had called XX/XX/XXXX to have an authorized user by the name of XXXX XXXX removed from all my accounts. The citi bank representative assured me he had been taken off but in XX/XX/XXXX he was still able to use the card that was supposed to have been deactivated to make charges for a cruise ship. Citi bank failed to properly remove him thus allowing these charges to be made. They keep refusing to remove the charges because they cant find the recording of the phone call when I asked to have him removed which is completely unfair to me. Because they failed to do their job correctly I am punished?!? I dont think so. I have called over 20 times and spoken to multiple departments and supervisors and now they are just completely rude and they hang up on me and its completely unfair and unprofessional. These charges need to be removed. Citi bank and XXXX XXXX ( the person who was not supposed to even be on my account anymore in XX/XX/XXXX ) are responsible for these charges not me!! Furthermore they allowed all of Mr. XXXX contact info to be kept as the primary contact info on my account leaving me completely in the dark about these charges even being made. HORRIBLE CUSTOMER CARE! I have even sent letters to try and get the correct resolution and no one responds and their representatives on the phone are awful and no help at all. This has been a completely nightmare!

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 2021-03-03 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have notice if I return and item back to the store, it does not take the charge off, it still charge me for items I have retuned Several items I have returned but it does not show it has removed the items off the account I called Target twice and they could not really could not have not help me I needed to go back to the store to remove several charges. 
I tried to go over the information but they did not want to work with me They spoke very limited English

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Been faxing modification since XXXX SEE PROOF, Wellsfargo says NEVER RECEIVED UPDATED INFO HAVE SENT AND AGAIN XXXX AND TOOK OUT OF REVIEW XXXX XXXX is XXXX XXXX  XXXX XXXX AND KEEP ASKING FOR PAY STUBS AND P & L IS ONE OR OTHER! XXXX BANK BAD SERVICES, LIARS, MISSING ALL PAPERWORK THAT IS SENT! REFAXING AGAIN TODAY AND COMPLAINING! Wellsfargo will respond saying havent received etc ALL BANKS SAY THAT! hire and train someone with brains!

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 2021-03-03 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: DISCOVER BANK
State: NY

Complaint narrative:
I am writing in regards to my account with Discover Financial Services Account # XXXX, the reason for this request is the reporting of late pays reporting in XX/XX/2020. As I am sure you are aware that FEMA declared a national disaster occurred during that time which has impacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I have sent several time stamped letters to this company requesting my original signed contract that I owe this debt, each time I am just sent back some kind of statement that they claim is mine. Recently when I sent the last request for validation, I received a letter in return that they will no longer be conducting another investigation of my dispute, and stated they will no longer respond to me when the information I have actually requested has not been provided. I would like my original contract binding my signature proving that I owe this debt that they are reporting on my credit. They are also calling from several different numbers on my phone through out the day, Im sure this is a violation of my credit rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
I am copying and pasting one of many communications I have had with SLS on the matter related to lender place flood insurance, To date and many months later, SLS is unable to resolve or comprehend the issue. I am in the process of refinancing my mortgage and had to pay the amount to SLS to be able to move forward on the refinancing. 

URGENT REQUEST DUE TO PENDING CLOSING OF REFINANCING TRANSACTION I am writing to request assistance in the resolution of a past due fee amount of {$5200.00} that was in error and as I learned on a phone call with SLS Customer Support relates to lender-placed flood insurance. However, as the attached statement from the lender on the primary mortgage ( XXXX XXXX  ) indicate, as the borrower I already had lender-placed flood insurance through XXXX XXXX. 

When the matter was raised nearly five years ago by XXXX XXXX  that I would be required to have flood insurance due to changes in flood plain near my primary residence, I elected to purchase the lender place insurance through XXXX Mortgage as it was the same cost when I sought a quote for private insurance. 

I communicated to SLS that there was not a need for lender placed flood insurance through SLS as the required lender placed flood insurance was already in place through XXXX Mortgage. 

I would greatly appreciate to the greatest extent possible that a timely response and letter be made available that I can provide to XXXX, as the new lender, that indicates that I do not owe this amount to SLS as an unpaid fee as the lender placed flood insurance was made in error by SLS ( or its predecessors ). 

I am attaching, as requested by the SLS Customer Support Agent ( XXXX ), the Escrow Statements from XXXX Mortgage that demonstrate that the lender placed flood insurance was in fact in place and therefore, there was not a need for SLS to put its own lender placed flood insurance policy in place. 

MAY I PLEASE REQUEST AN ACKNOWLEDGEMENT EMAIL RESPONSE TO THIS EMAIL SO THAT I CAN LET XXXX KNOW THE STATUS. I am unfortunately running out of time under the existing commitment letter and rate lock commitment.

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 2021-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I needed to use my credit and was appalled when I was denied when my credit score was lower than anticipated. I checked my XXXX  records and there was a collection from Portfolio Recovery Associates for {$340.00}. I have never received a call or letter, I do not even know what this is for. This has destroyed an opportunity for me and my family. How could this happen? How could a collection agency be allowed to collect like this? I have no idea what this debt is and it seems they are using applying to people 's credit as a way to collect on debt without notification. This agency needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority
State: MO

Complaint narrative:
XXXX says that my payments are always late due to slow USPS delivery. I make my payment electronically and I told them so. XXXX said sometimes banks write a physical check and mai it! I talked to my bank and they said that's not how it works, they send electronically and it is received electronically, there should be no delayXXXX ( a Division of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AL, XXXX ), said the only way to fix this is for me to give them access to my checking account so that they can deduct my payment every month! 
I do not want to do this! I do not trust them! I had no problem with them until my payment was upped about {$35.00} a month due to a property tax hike in 2020. I heard about it belatedly because I was quarantining elsewhere with a friend and hadn't picked up my mail. I paid my late charges and thought that was the end of it but NO! Since then any payment I send is too late and not enough. Now they are demanding payments of XXXX and XXXX, ( pmts are XXXX I've tried sending payments in early but nothing works with them! 
By the way, my statements from them arrive in bunches of 2 or 3 and very late. Most times es after the date the payment is due. However, I do not wait for the statement to pay. 
Can you help me with this horrible company. I had planned to refinance with another company at a lower rate in 2020 but XXXX has ruined my credit rating! 
XXXX XXXX XXXX XXXX Loan XXXX XXXX Lost XXXX XXXX XXXX. I wrote to my States Attorney General about this problem and they also contacted them. I received a letter from them today saying XXXX had not yet replied. 
XXXX, MO 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 2021-03-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There is incorrect personal information on my credit report. I need the bureaus to update this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SFMC L.P.
State: TX

Complaint narrative:
XX/XX/XXXX -- Home Purchase Closing and Funded with FHA Loan, TSAHC Down Payment Assistance/MCC. Lender : Service First Mortgage. 
XX/XX/XXXX -- Lender call and email stating there was an issue with selling my loan to an Investor due to changing the HUD/FHA - approved calculation used at closing to a different calculation, per the Investor 's request -- causing ineligibility for FHA Loan and Down Payment Assistance. 
XX/XX/XXXX -- Received written notice of New Loan Servicer, XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX -- FHA Loan was closed and I assume Conventional Loan added at that point, which I was not aware of until HUD/FHA verified on XX/XX/XXXX that FHA Loan closed in XX/XX/XXXX. 
XX/XX/XXXX -- Submitted online written request for Covid-related Forbearance per website instructions. No response received. 
XX/XX/XXXX -- Submitted online written request for 3 items, including requesting a status update of my Forbearance request submitted previously on XX/XX/XXXX. No response received. 
XX/XX/XXXX -- received an email from Service First Mortgage requesting a phone call for review of my mortgage to see if I am in the best situation with my mortgage, possibly refinance or lower interest/payments. I formally requested AGAIN for Covid-related Forbearance. 
XX/XX/XXXX -- Received Loss Mitigation packet to complete, which contained a full application and requested full income documentation the same as provided for purchasing or refinancing. Contacted HUD for assistance with Covid-related Forbearance and clarification of documentation that have to be provided to qualify for this type of forbearance. I learned at this point that my FHA Loan was cancelled and referred to CFPB for further assistance. 
XX/XX/XXXX -- received email response back from Service First Mortgage stating they can not answer my questions regarding Covid-related Forbearance and suggested I contact customer care solutions ( XXXX ), the very same people who have not responded to my previous request for Covid-related Forbearance to date. 

I am attaching a more in-depth detail of events and other documentation for review in hopes that you can help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
In previous responses ( XXXX, XXXX, XXXX ), the company ( FIDELITY CREDITORS SVC ) did not provide me with the requested documents.

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

FIDELITY CREDITORS SVC did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I encourage a response from you expeditiously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
So, I opened an XXXX Credit card through XXXX XXXX. They make it to where you can't pay in person, only via their website or phone. There have been multiple occasions where I made the payment on time, but there was an issue with their servers or for some reason it wasn't processed. I don't have good cell service where I live, so I could only pay it via online. They charge all these " late fees '' because there were " technical issues '' on their side. My limit was {$200.00} and despite everything I paid including all the late fees, I owe {$600.00}. This was also settled but then the bank opened it back up and sold the collection. Portfolio will not send me the entire transaction history for this account. They send me a couple random dates? This has ruined my credit and made my life as a single mom very hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: UT

Complaint narrative:
I received a call for a " XXXX XXXX. '' This number left a message on my phone for the incorrect person. I called the company back and it was for BBT debt collector. I do not have a BBT account.

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 2021-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I had about {$1200.00} in a coinbase account. {$1100.00} invested and about {$150.00} in profit as of this morning. I checked the account this afternoon to see my portfolio at XXXX  and no records of any transactions in regards to the missing money. They don't have anyone that you can speak to. i did file a complaint and locked my account. then to unlock my account it was a long process and will take up to 72 hours. there is no response in regards to my missing money and i want an answer now. this is wrong and that is a lot of money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
So, I opened an XXXX Credit card through Comenity Bank. They make it to where you can't pay in person, only via their website or phone. There have been multiple occasions where I made the payment on time, but there was an issue with their servers or for some reason it wasn't processed. I don't have good cell service where I live, so I could only pay it via online. They charge all these " late fees '' because there were " technical issues '' on their side. My limit was {$200.00} and despite everything I paid including all the late fees, I owe {$600.00}. This was also settled but then the bank opened it back up and sold the collection. XXXX will not send me the entire transaction history for this account. They send me a couple random dates? This has ruined my credit and made my life as a single mom very hard.

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

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame. I feel because of the pandemic I'm being taken advantage of.

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 2021-03-03 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame. I feel because of the pandemic I'm being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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 — Investigation took more than 30 days
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-03-03 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 — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation