vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX Shellpoint Mortgage Service asked for proof that I could bring the mortgage current. They insisted on seeing a bank statement. 

I had sold my XXXX property in XXXX XXXX, XXXX  in XX/XX/XXXX and had more than enough to bring the XXXX  mortgage current. 

Shellpoing refused to provide me the payoff to bring the mortgage current, instead after reviewing the bank statement, they wrongfully foreclosed. I have attached to this complaint the XX/XX/XXXX bank statement they reviewed and the XXXX they issued last year showing the total of principle and interest was $ XXXX ( at the I did not owe in arrrears $ XXXX ) I am reading this article @ https : XXXX # : XXXX : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX, Sell % XXXX % XXXX % XXXX ... % 207 % XXXX % XXXX. from XX/XX/XXXX and see that the article mentioned that " XXXX state attorneys general are getting ready to launch major investigations into the already beleaguered mortgage industry, concerning foreclosure document improprieties. '' I would like to officially complain that they took the property without due process and while reviewing for modification and refusing to provide payoff until after they already foreclosed then I get the message from them of the payoff amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Second PPP. Wells Fargo has not updated their application to reflect the changes the Biden administration enacted. I received the second PPP but am eligible for more money since the application should not be based on line XXXX from the Schedule C. The Biden administration has updated the application to assist businesses who do not have a profit and should be based on gross sales.

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 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On several occasions XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX I have contacted XXXX, XXXX, Equifax, and XXXX XXXX in regards to reporting inaccurate information. I included documentation where I do not have a bankruptcy and that XXXX XXXX has reported this without proper verification and stated that it was public information and that they received the information for the courts. I obtained a letter from that court and they stated that they did not provide any such information and provided me the letter verifying that they did not do so. I sent all the documentation in and all bureaus listed refuse to delete this off my credit report. I researched the laws and regulations and it states that in order for an account to be reported on a credit profile it must report 100 % accurate information or be deleted. It is impossible that they verified this information when it says XXXX and XXXX discharged. There is no way you can have 2 bankruptcies discharged a year from one another. Then there is another one reporting dismissed because it can not report because they have 2 listed discharged. There is no way they have performed a proper investigation or they would have seen these errors. They have refused to delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX APTS ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PLANET HOME LENDING, LLC
State: MD

Complaint narrative:
Good morning, RE : Planet Home Lending We have been trying to get a payoff for a customer, on a VA refinance, since XX/XX/XXXX. Since then we have sent over many requests and spent hours on hold and on the phone with representatives. The customer has called as well and still no payoff. I have spoken to XXXX, XXXX and XXXX and they all say they can not get a supervisor on the phone. My customer is going to have to extend the lock. They now say that we need to send over a CD in order to get a payoff. I have been in the business for over 25 years and never complained about anyone but this is blatant denial to send over a payoff. I don't know what else I can do. I would be grateful if you good give them a call. So frustrating. 
We still have no payoff. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
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
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
I was in a car accident on XXXX hit from behind the insurance company and the gap insurance paid off my car loan with Bridgecrest long story short is my account is closed but bridgecrest give me an late payment on my credit report for XX/XX/2021 which has dropped my score on my credit and the credit bureaus is doing nothing to fix the problem

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 2021-03-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
Old Navy visa Credit card company did not give sufficient turn around time from when Bill received to when it could be paid via mail. Resulting in unnecessary interest and fees charged. Bills are sent with only 2 weeks notice before due date and fees applied. Due to mail delays on both sides, was no efficient time for anyone to stop fees from being accrued- therefore is a scam. Although this consumer called and advocated for fees to be removed - not every consumer has the skills to fight or be aware of this fraudulent practice. The company needs to at least be required to have Bill arrive at customers address at least 30 days before due date in order to give customer ample time to respond without fee accrual.

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 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TIDEWATER FINANCE COMPANY, INC.
State: CA

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
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Lending Club Corp
State: CA

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
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Auto Trakk, 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Regional Management Corporation
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
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: NY

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 2021-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I contacted the lender regarding the advertisements that I have been allegedly pre-qualified to receive. When I went to apply, I was bewildered that my credit score from six months ( XXXX ) popped up and I was locked into a loan with a five-year payback period. As a returning customer, with two previous loans paid in full, I am confident that the business is executing unethical measures to assess higher interest rates and to participate in predatory lending. As of today, my credit score is nearly 100 points higher and I was unable to elect for them to pull my new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
HI, The First bankcard close the CC account with no reasons based on false assumptions andI think this is a discriminatory measure and would like to ask you to initiate an investigation, as there are no reasons or motivation for this action. I can attached or send you the document where they explain their decision, that is completely wrong and based on false assumptions and conclusions.

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 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — 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
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

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
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CL Holdings LLC
State: NY

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 non-monetary relief
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: NY

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
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have tried reaching out to the company regarding this debt they claim I owe and have not received no validation of debt. Company has placed this account on my credit report that does not belong to me. They have not submitted proper documentation within FCRA guidelines within the allotted 30 days.

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 2021-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC
State: FL

Complaint narrative:
I have had a loan with Best Egg for 14 months. Every month I have paid interest between $ XXXX. Suddenly, this month, they are demanding to apply approx. {$XXXX} toward interest and {$XXXX} ( more or less ) toward the balance. When I ask for an explanation or reconsideration I get nothing. I have paid off thousands toward the balance of this loan. My interest should be going down, not up. This company should be held responsible for stealing from their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MS SERVICES LLC
State: NJ

Complaint narrative:
MS Services is reportinga fraudulent account on my credit. This account doesnt belong to me. I am requesting the removal of this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America they locked my account because someone hacked my account on XXXX I contacted them they sent a new card I called to activate they said I had to verify my identity through NV XXXX  and I did now unemployment is saying its up to BOA to open and they dont no when Im in the process of getting evicted if I dont get access to this money

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 2021-03-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I've called NAVIENT, and soon after I ask a question, the customer service representative hung up on me. -- I recognize your agency does not care about this, but I do. Since I feel NAVIENT is already not addressing my needs, having its customer service agent hang up on me adds insult to injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Total Card, Inc.
State: MD

Complaint narrative:
I was a victim of Identity Theft, credit cards were opened in my name fraudulent. Total Card Inc ( TCI ) sold the account to XXXX XXXX XXXX, XXXX, ( XXXX ) when XXXX reached out to me I explain it was Identity Theft. On XX/XX/XXXX, XXXX investigated my dispute and closed the account for Identity Theft XXXX attached ). I received a letter from TCI on XX/XX/XXXX dated XX/XX/XXXX, that TCI did an investigation and I liable for them. I talked to XXXX, she stated the account where not in their office, they were sold to XXXX. Since TCI sold accounts and it was found I wasn't liable for them. I advised XXXX I was going to get a lawyer. Reporting false information to credit bureaus is against the law. 
On XXXX, I talked to XXXX, she advised me to send the reports to XXXX, I agreed but I informed her I was going to CFPB. 
Attached is the police report to show Identity Theft for fraudulent credit cards and unemployment claims by Officer XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
Hello, On XX/XX/21 I send a case to Coinbase to flag some unauthorized transactions on my account. My account was disabled and I was told it would be resolved in 10 business days. I have followed up multiple times since then because I can not access any of my cryptocurrency accounts in this time. The last response was on XX/XX/21 saying my case would be resolved in 4-5 business days. I have followed up since then because the case is not resolved and my account is still disabled but I get no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Coast Collection Agency Inc
State: NY

Complaint narrative:
Paid debt if full on XX/XX/2020. Sent certified letter with proof that debt was paid.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Affirm Holdings, Inc
State: UT

Complaint narrative:
On or aboutXX/XX/2021 I contacted Affirm to advise them that the retailer I purchased from XXXX was not honoring their return policy. The website and my receipt said the product was refundable but their customer service said it was not. Affirm said they would open a dispute and resolve it within 30 days ( this timeframe included a 15 day evidence gathering period in which I submitted documentation ). OnXX/XX/2021XXXX reached out to me and advised me they would accept my return and refund me the expected cost of {$53.00}. I used the return label provided to me and a refund was issuedXX/XX/2021; XXXX advised to allow up to 5 business days for Affirm to be notified. OnXX/XX/2021 I emailed Affirm the evidence of the refund and asked for a status update. There was no response. I emailed againXX/XX/2021 with no response again. I have not been able to make payments to Affirm for this order per their policy of locking the order and it is now also showing up to other creditors as missed payments. I am now at 45 days with this dispute with Affirm which has been resolved for 30 days and have had no contact. I would like them to place the refund on the account and reactivate my good standing - allowing me to pay the remainder of my account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation