vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on CCB/XXXX and CB/XXXX. The 3 Credit Bureaus are also reporting this company to be the owner of the debt when they are not! These accounts were transferred or sold to another company and I tried contacting 3 Credit Bureaus requesting a complete payment history with these accounts for me to review the exact date on which the charge-off was posted. The 3 Credit Bureau can validate this information by investigating the matter and MUST correct or remove the defamatory information they are currently reporting. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Please REMOVE these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
We closed on a loan earlier this year and Specialized Loan Servicing is handling our loan, including the escrow. We have received letters from the city of XXXX stating our tax payment has not been sent- even though there is plenty of money sitting in the escrow account. I've called them several times and they said they would do it- in fact one of the reps was extremely rude. I called city of XXXX yesterday and it has not been paid- and was told my husband and my name would be posted in the newspaper and folks who don't pay our taxes! It's very concerning that another company can be holding our money but our reputation gets ruined because they haven't our bill. Really disappointing.

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 2021-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I reported fraudulent activity from my Bank of America checking account on XX/XX/2021. After being told that the bank would investigate my claim, they closed my case citing insufficient grounds to investigate. After providing additional information to support my claim via numerous customer support calls and a written letter ( faxed XX/XX/2021 ) providing more details to support my case, my claim was once again closed without escalating or investigating the claim any further. The bank did not even contact the merchants in question. I have again submitted a letter ( faxed on XX/XX/2021 ) to reopen the claim but the bank has not provided any indication of the status of my case or the timeline for when they expect to resolve the 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 monetary relief
Consumer complaint received 2021-09-30 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: DE

Complaint narrative:
Reference # XXXX, concerned that my issue is not resolved. The company has not disclosed to me who is their data furnisher. I requested for verification, validation and certification of data source for the inaccuracies on my credit report. The company did not answer to my request but was able to respond with jumbled up words cut and pasted from their existing template. 

I demand that information referenced herein be deleted because they have not disclosed who furnished the bankruptcy information on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc.
State: KS

Complaint narrative:
Someone alerted me that if you go to XXXX and search for Avant Logon and hit on the response. The Avant login screen comes up with my email address in it. She had 2 reasons to reach out to me by email. First, she wanted to verify that it is a real email address. Secondly, she wanted to make me aware of what is happening. 

https : //www.avant.com login Prior to calling Avant, I had a friend try it and watched as my email address come up pre-populating on the login screen. I called Avant. The rep told me to clear my history. I asked how that would affect what is coming up for other people. I demanded a manager. I finally got one and he spoke down to me. He said that I should get someone, who knows about computers, to explain to me why that couldn't happen. I changed the email address on the account and closed it.

I am a XXXX XXXX XXXX. I started building rudimentary computers when I was a kid. I was being taught by computer engineers at XXXX XXXX. I have built every one of my computers. I am not a computer idiot. 

Last month, I started getting emails from Avant that I had tried to many passwords on my login, so they had locked the account and I should follow the instructions in the email to get my account unlocked. I called and explained to the manager that I had not trued to get into my account since my payday in the prior month, when I signed in to pay the bill. I had them change my account number and send me a new bill. I finally have the card, but I have now closed the account. 

So this problem didn't start this week, it started almost 2 months ago. 

I just got an email from someone else wanting to know if the email address was real and why is it coming up when she goes to login to Avant on her computer. She is going to call Avant.

I called Avant again. The rep told me that I have already been told to clear my history and that what I say is happening, can't be happening. She says she tried it and didn't get it to happen. Maybe because they are somewhere in XXXX and something is happening between here and there. I just do not believe that they have tried it. 

I don't know where to go from here. The first person who alerted me to the problem suggested I file a report here. I wonder if I need to get a lawyer. 

I am attaching a screen print of what comes up. 

On the next screen, you ask for a card number. I am looking through my mail for the new card so that I can give you the current card number. In searching, I just opened a letter saying that they have been trying to reach me regarding the fraud I reported. I reported that someone or more people are trying to get into my account, since I was not trying many logins causing them to lock the account. I never mentioned the word fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TN

Complaint narrative:
Bankruptcy is on this report and needs to be removed immediately. I've sent a letter and still have not heard anything or had this item removed from all credit reports. 

They are in violation of two fair credit reporting act accounts. They have infringed my privacy and they do not have permissible purpose nor did they have my written instruction about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: KY

Complaint narrative:
The only thing I want The chime bank investigation team to call the Dispute Resolution Department : ( XXXX ) I disputed to my chime bank from the merchant in XX/XX/XXXX. I also emailed Support Chime many of evidences include the letter from the dispute resolution department. The investigate team declined me three times and did not call Dispute Resolution Department to verified. 

On The month of XXXX, the merchant sent {$1300.00} to my wrong old card and it went directly to Dispute Resolution Department as charge back and they held my money and I have No idea where my money goes. 

I tried To call the Dispute Resolution Department but they stated that my chime bank need to contact me and refuse to speak with me about my fund. Im so upset and frustrated because I did What I could To get my fund back to my right card number. 

I NEED CHIME INVESTIGATION TO CALL Dispute Resolution Department : XXXX so I can Get my funds back to my account. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Hi, I am writing in regards the technical issue with Coinbase crypto exchange platform causing a huge financial loss to me and other customers. 

On XXXX XX/XX/2021 XXXX listed the SHIB crypto on their CoinbasePro crypto currency trading platform, after listing SHIB crypto the CoinbasePro trading platform faced technical issue and dragging the price superficially up to 1000 % higher. This high price remained on the Coinbase Pro platform for more than 24 hours, anyone who purchased the SHIB crypto ( including me ) on XXXX XX/XX/2021 couldn't sell it and were locked with the high superficial price. On XXXX XXXX, CoinbasePro disabled deposits for SHIB to address a technical issue and then re-enabled deposits on XXXX XXXX which then dropped the price to 700 % lower. 
After seeing this massive price change I checked on other crypto exchanges and realized the price remained unchanged on other crypto exchanges and of SHIB crypto itself globally, the SHIB crypto price never went up that higher as on Coinbase.

I feel Coinbase did not took appropriate action to protect customers trading on the platform, when the platform was not ready to fully support the SHIB coin trading, Coinbase shouldn't have enabled the trading. And when the CoinbasePro trading platform was experiencing technical issue and had to disable or restrict trading of this SHIB crypto, customers were was not notified about any of this issue. 

As Coinbase advertises it as a trusted platform for Crypto currency, I purchased the SHIB coin and did not compare the price on other exchanges. I don't feel Coinbase can be trusted however, as per the email sent to me from Coinbase support after opening a complain, they claim that " we do not guarantee continuous access or that there will be no delays, failures, errors, omissions or loss of transmitted information, nor do we guarantee that any Order will be executed, accepted, recorded, or remain open. " I wasn't aware that Coinbase can also isolate itself from the global market and allow the price to increase or decrease superficially of any crypto and also restrict customers from selling without informing the traders.

I tired to reach Coinbase support throught their complain system and via twitter but no luck. They did not resolved my issue instead they sent me email that my complain is close as the issue has been resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-30 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have a Chase Freedom Credit Card and received a credit refund of {$5400.00}. I called the company around XX/XX/ and requested that the money be transferred to my checking or savings. I was told that I would receive an e-mail or a check in the mail with the refund to deposit it. I called around a week later and was told my check is still processing and it would take 7 to 10 business days. I called again on XX/XX/ and asked for my refund and was told I would receive an e-mail. I never received email. I called today on XX/XX/ and was told that since I called more than one time asking about my refund that they reset my request and prolonged my refund now I have to wait up until XX/XX/ to receive my credit refund. I was never told this the first 3 x I asked for my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Trying to refinance with a 3rd party mortgage ( XXXX XXXX  ). Wells Fargo Home Equity ( WFHE ) has denied 3rd party mortgage payoff request 4 times claiming my home address does not match their records. XX/XX/XXXX initiated 3 way conference call with myself, 3 party mortgage, and WFHE. Account number, primary address, original loan amount, and current loan balance were verified by all parties. Wells Fargo Rep even provided 3rd party with an email address to send request for payoff. XX/XX/XXXX XXXX party mortgage called and informed me WFHE had once again denied request for payoff via email stating my home address does not match their records. 

XX/XX/XXXX made an in person visit to Wells Fargo branch to request a mortgage payoff. WF Banker placed a call to WFHE to get clarification. Banker informed me WFHE had no record of any request for a payoff from a 3rd party mortgage company. WFHE could only provide a verbal payoff but no official. Puzzled why not since we are in the 21st century. WFHE said I must call and request a payoff which will take 7-10 business days to process and mail via US Mail . Do not understand why such information could not be emailed to me? Banker asked why I using a 3rd party mortgage and not WF since I have been a customer since XXXX? I refused to answer as this was personal & private. Banker further stated I should use WF.

At this point it is very clear that I am being held financially hostage by Wells Fargo as they are unwilling to provide the payoff information requested. 

XX/XX/XXXX made a call to WFHE to request a payoff letter. The WF rep stated processing would take 7-10 business days but would not be valid for a mortgage payoff. 3rd party would need to request a payoff directly from WF. Tried to explained the problem has been WF and denied receiving any request from 3rd party. However, same rep confirmed notification in my records of a call with WFHE, myself and 3rd party on XXXX/XXXX/XXXX. I officially request a payoff from WFHE.

Clearly I am financially being held hostage as WF is denying receipt of payoff requests, plus giving me the runaround as to why my request would take 7-10 business day to process and mail. This sounds similar to the incidents years ago when WF Bankers opened accounts for customers who did not make requests. WF paid some major fines.

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 2021-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my credit report in violation of Federal Law. I tried contacting the 3 Credit Bureaus requesting a complete payment history with these accounts for me to review the exact date on which the late payments and collection were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part and failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. REMOVE THE FOLLOWING COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT : PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ) XXXX-Balance {$510.00} PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX ) XXXX-Balance {$460.00} PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX ) XXXX-Balance {$590.00} PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX ) XXXXBalance {$360.00} PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX-Balance {$680.00} PORTFOLIO RC ( Original Creditor : 08 XXXX  XXXX XXXX  XXXX XXXX XXXX ) - XXXX-Balance {$960.00} PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX XXXX ) XXXX-Balance {$640.00} PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX XXXX ) XXXXBalance {$1100.00} PORTFOLIO-XXXXXXXX-Balance {$510.00} PORTFOLIO-XXXX-XXXX-Balance {$640.00} PORTFOLIO-XXXX-XXXX-Balance {$360.00} PORTFOLIO-XXXX-Balance {$590.00} PORTFOLIO-XXXXXXXX-Balance {$460.00} PORTFOLIO-XXXX-Balance {$680.00} PORTFOLIO-XXXX-Balance {$960.00} PORTFOLIOXXXX-Balance {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient is reporting good that Ive been late on my payments during the pandemic when there was a deferment of the payments during the pandemic by the government. Navient has been shady in general but this is XXXX. After an investigation they added even more late payments on instead of removing them. The government has stated no payments are required. I havent had this issue with XXXX, only Navient. Their business practices have been shady at best, but after finding out theyre leaving the student loan business Im not surprised they doubled down on their XXXX business ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do not give your company permission to publish unverified information on my credit file for the following accounts XXXX XXXX. 
You have not verified the accuracy of these accounts. At best, you have only parroted what the information the provider told you. The law is clear, that a credit reporting agency that does not comply with the verification requirement of 15 U.S.C1681i if it simply parrots the information providers electronic response.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed above within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
* NOTE : Please also remove all non-account holding inquiries over 30 days old. 
Under 15 U.S.C 1692b communicating with any other person than the consumer without consent is a violation and infringement on a consumers right to privacy.

Under 15 U.S.C 1692a ( 3 ) consumer means any natural person. I am the natural person which makes me the consumer and they are violating my rights as a consumer.

Under 15 U.S.C 1692a ( 5 ) term debt means any obligation or alleged obligation. In this case its alleged Under the FDCPA 15 U.S.C any debt collector who fails to comply with any provisions is liable to a equal sum of {$2000.00}. I will be attaching a invoice.

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 2021-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a long-time customer of Wells Fargo . I went into my local branch office to apply for a PPP loan for my XXXX XXXX XXXX. I was told that I had to open a Wells Fargo business account in order to be eligible for a PPP loan. I opened the account and applied for the PPP loan as instructed, but was turned down. Meanwhile, other Wells Fargo businesses were given hundreds of millions. I believe Wells Fargo prioritized big businesses for PPP loans even though small, women and minority owned local businesses were supposed to be prioritized, as specifically emphasized by Congress. I also believe that Wells Fargo welcomed the opportunity to make money by forcing small businesses to open business accounts. It's clear to me that Wells Fargo was never on the side of its small business owner customers, and we were turned down for PPP loans because serving us was not as profitable. Wells Fargo violates U.S. trust laws and needs to be dismantled. It's business model is to take advantage of its bank customers to serve its financial services enterprises. There should be another class action lawsuit against Wells Fargo for its repeated predatory and unfair practices. A FOIA review of the formula used to decide who received PPP loans would prove this case.

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