vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am making additional principle payments to my mortgage company Mr. Cooper in order to pay it off early. On several occasions they have reversed the additional principle payment and have applied it to regular payment. My pay history on their website shows the initial principle payment that I made then their reversal. I have had to call them many times to get them to correct these reversals. They tell me that it is their computer system making the changes. They also reversed an additional escrow payment. The result of the changes they make are that my account is paid ahead, but is incurring more finance charge which benefits their company not me. I had the same problem when I was paying extra on my second mortgage through their company. I had to repeatedly call to have my additional payments corrected after a reversal. That account is now paid. I have my regular monthly payments scheduled through them on autopay, so it is not as if they don't know that my regular payment is processing. The dates of the payments that were reversed are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have requested that they stop reversing my payments multiple times. I have also requested that the sell my account to another lender. They are not my original lender. They refused and said I would have to refinance if I want a new lender. I believe their program is designed to reverse additional principle payments in order to charge their customers additional finance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Due to Covid-19 and I lost my job, I had my auto payments deferred with Capital One Auto Finance from XXXX to XX/XX/ 2020, and it was approved, and granted. I received a email of confirmation, and a letter of documentation in the mail to show that it was confirmation approval. But on my credit report for the months of XXXX, and XXXX of year 2020. It was reported as 30 days late twice. A 30 days late for the month of XX/XX/ 2020, and another 30 days late for the month of XX/XX/2020. Which has drop my credit score tremendously. I thought when a payment be deferred, and put on the end of a account term. It do not report to the credit bureaus as late so it do not hurt your score. All I ask as a high echelon in the name of XXXX XXXX XXXX XXXX, that this be fix immediately so I may be able to find another job, to support my family in this pandemic. Please, have mercy help me. Because right now I am in distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
On XX/XX/2020 we had a presentation for a vacation membership in Hawaii were the sales person told us many times this was not a time share at the en of the day we we agreed to buy a membership that was said by the sales persons we could cancel at any time so we continued with the transatlantic where we pad with some fees with our credit card but after we got back from those vacations ( Hawaii ) we got a bill from XXXX XXXX   credit account by comenity bank. We reviewed the contract and the name of this bank or any other information about a loan, service agreement nor any information regarding this line of credit was found. We called XXXX and asked to terminate this membership but they are not willing to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In their reply to my CFPB complaint no. XXXX, Wells Fargo has made no effort to stop their discrimination against me and indicated that they will continue their discrimination against me and others who do not wear face masks. As it is now common knowledge that a virus is a protein fragment that is never alive ( and can not replicate or reproduce and is not contagious ) that your own body creates to clean toxins out of cells in your body, and that you can not catch a virus from the air or by touching anything ( including XXXX ), and that the only way you can get a virus created by another body is to have injected into your bloodstream. The Covid-19 has U.S. patent no. XXXX applied for in XXXX by XXXX XXXX, who after receiving the patent, then sold the patent to the pharmaceutical company XXXX. The vaccine for Covid-19 is XXXX Patent no. XXXX dated XXXX XXXX ( well before any reports of Covid-19 ). President Trump 's legal council XXXX XXXX found that the CDC 's XXXX XXXX XXXX in XXXX granted {$3.00} XXXX to the XXXX XXXX XXXX XXXX in XXXX. Also, it has now been shown that wearing a face mask reduces the percent of oxygen in the air being breathed in to far below the OSHA acceptable minimum of 19.5 %. Using OSHA approved ( calibrated ) Air Quality Monitors shows that wearing a face mask reduces the percent of oxygen in the air being breathed in to 17.4 percent or less resulting in physical health problems.

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 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Hello, The company I am having problems with is Coinbase. I no longer have access to my account, but I am involved in a legal matter of trying to recover a large amount of money that I was scammed. I used Coinbase to sending payment so my attorney in XXXX says I need to get my Coinbase transaction history to move my case forward. I have tried contacting them in every way possible, but there is no possible way to get hold of anyone or to get a reply. What Coinbase is doing should be considered illegal. I just want my Coinbase transaction records but I don't know how to go about it. 

My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: Ascendium Education Group
State: WA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX sold or sent the loan to Ascendium Ed Solutions. I was working with XXXX XXXXXXXX XXXX company to consolidate my loans. I spoke with one of Ascendium loan officers to let them know I was consolidating my loans. They tried to get me to consolidate with their company and I declined. They told me my loan was going to be charged off as default. I said Im working with a loan servicer now. I was told if I made a payment it would keep the loan from default until it was consolidated. So I made a payment. My loan was paid off by XXXX XXXXXXXX and consolidated but the Ascendium still reported my loan as a negative and charge off. I have sent in disputes and tried to reach them but they havent corrected my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: KS

Complaint narrative:
I have inquiries on my credit report that I believe to be unverified and not valid. I have reached to all three credit bureaus ; XXXX XXXX, XXXX, Equifax via letter mail with detailed information of the inquiries in question and have informed them of my issue and requested that they either provide me with proof and validation of these inquiries or remove them from my credit report immediately. Two of the three bureaus responded with copies of my credit reports and letters stating that they would investigate further. I have not heard back from Equifax. After allowing the bureaus 30 days to respond and complete their investigation, they reply with statements saying that the inquires in question can not be found or that the investigation has been complete and send more updated copies of my credit report. The credit reports clearly indicate the same inquiries I am disputing and they remain unverified on my credit. This is an ongoing issue between me and the credit bureaus since early XXXX of this year. They are not providing me with the appropriate information and have not removed any of the unverified inquiries from my credit report, resulting in a present negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Its a Wells Fargo account I tried calling to get it removed no luck

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 2020-07-02 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX  XXXX XXXX XXXX sold or sent the loan to XXXX XXXX XXXX. I was working with XXXX  XXXX XXXX company to consolidate my loans. I spoke with one of XXXX loan officers to let them know I was consolidating my loans. They tried to get me to consolidate with their company and I declined. They told me my loan was going to be charged off as default. I said Im working with a loan servicer now. I was told if I made a payment it would keep the loan from default until it was consolidated. So I made a payment. My loan was paid off by XXXX  XXXX and consolidated but the XXXX still reported my loan as a negative and charge off. I have sent in disputes and tried to reach them but they havent corrected my credit report.

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 2020-07-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I used the Venmo card for my side job. I had over {$100.00} in my account and attempted to w/d {$40.00} from my account which was declined. When I contacted Venmo, they wouldnt tell me why my card was declined or when it would work again. This caused me to get a fee and spend multiple hours trying to get to the bottom of why it didnt work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
On XX/XX/2020, I filed a fraud dispute on XXXX XXXX ( Comenity Bank ) Visa XXXX  XXXX   ending in XXXX. XXXX XXXX  supposedly concluded this investigation but I was given no information on this matter from XXXX XXXX  or vendor that I was disputing charges from. I had my credit card and cell phone hacked and informed XXXX XXXX  about this, as well as, another card from XXXX XXXX. 

XXXX  XXXX had no problem researching these fraudulent charges and making sure these charges were not billed to my credit card. It appears to me that XXXX XXXX Visa XXXX XXXX  never did their research and I do not want to pay these fraudulent charges to XXXX XXXX. These fraudulent charges were almost {$6000.00}. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX Company I am disputing with is : Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
Lender asked me to fib on my tax return, was unavailable to answer questions in a timely manner, belittled me told me I was the reason for her being behind on her files, gave empty promises to ALL parties involved, told me I had to pay all my PMI upfront XXXX at closing because my credit score wasn't at a XXXX. Only to find out it was a XXXX. Had my information for months but called me weekend before closing at XXXX XXXX said not closing. I really feel disrespected and DISCRIMINATED against. Finally I felt pressured to pull out of loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital one I didnt open this up and I have tried to call to get cancel and removed no luck

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo I called trying get this removed no luck

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 2020-07-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Requested updated statement change and no change occured or as requested. Disputed items on credit report for proof of signed agreements for inquiries and delinquent items be removed having notified alleged creditors to setoff obligations for full acquittance and discharge and credit bureau and corporations have neglected their fiduciary duty to settle obligations and restore credit standing. I do not consent to e-sign. unauthorized use of my personal data carries fee of XXXX XXXX XXXX dollars per daily for use per 15 U.S.C. 1. Corporations are prohibited from reporting negative items without negotiating obligation for settoff. All consumer reporting agencies do not have any express written consent and are forbidden to share my personal data per 15 USC 1681a ( q ) 3, nor consent to furnish any potentially negative, delinquency, collection items on any report or use intellectual property i.e. persona as such dissemination shall constitutes character assassination that results in the credit discrimination. I am principal original creditor pursuant of the U.S.C. 15 1692a ( 4 ) per USC 15 1692J. corporations must have signed agreement for use of personal data. no consent for use of an social security has been authorized except under duress and violation of 42 U.S.C. 408a8 ; public law 93-579. Consumer reporting agencies are demanded to proof otherwise.

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 2020-07-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is not reporting accurate information on there site I have made contact by mail and the phone I was told multiple times they will fix the problem and never did since last year they are reporting that I only have one credit card on file open but there is more than one for some reason on there site XXXX XXXX XXXX   is nor showing but they have a fraudulent account open on my report despite the fact I have disputed the fraud account name XXXX XXXX XXXX multiple times with no finding fact the account belongs to me I have provided information stating the account is fraudulent and do not belong to me experian refused to do a correct investigation multiple calls and letter was sent and received by experian but account XXXX XXXX was not removed off my report and XXXX XXXX XXXX still shows as closed XXXX XXXX XXXX was disputed on grounds with wrong name and amount also address not my information incorrect info experian refused to remove account but a open account with XXXX XXXX with is open and is getting reported on XXXX  and XXXX  report false information is getting reported with experian and is abuse of my name and personal credit report

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 2020-07-02 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX  is not reporting accurate information on there site I have made contact by mail and the phone I was told multiple times they will fix the problem and never did since last year they are reporting that I only have one credit card on file open but there is more than one for some reason on there site fifth third bank is nor showing but they have a fraudulent account open on my report despite the fact I have disputed the fraud account name XXXX XXXX XXXX multiple times with no finding fact the account belongs to me I have provided information stating the account is fraudulent and do not belong to me experian refused to do a correct investigation multiple calls and letter was sent and received by XXXX  but account XXXX XXXX was not removed off my report and fifth third bank still shows as closed XXXX XXXX XXXX was disputed on grounds with wrong name and amount also address not my information incorrect info XXXX  refused to remove account but a open account with fifth third with is open and is getting reported on XXXX  and XXXX  report false information is getting reported with XXXX  and is abuse of my name and personal credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
A company XXXX, TX charged me for items I didn't receive and don't have. 

- I complaint to my bank credit card, Navy Federal Credit Union. 
- They said they will do an investigation - The company sent my bank an invoice but the item was not sent to my address. I do not know this address. It is also the first time I've seen the invoice. I was never provided an invoice by the company. 
- The company sent my bank a delivery tracking number, but it is not me nor did I sign for it. 
- Apparently, my bank believes this company that has a P.O. Box for an address. My bank credit card thinks I will just pay for getting nothing. 
- The amount is {$93.00}. 
- Attached document bank provided to me that the company provided to them. I never received any of these documents before the bank provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Requested updated statement change and no change occured or as requested. Disputed items on credit report for proof of signed agreements for inquiries and delinquent items be removed having notified alleged creditors to setoff obligations for full acquittance and discharge and credit bureau and corporations have neglected their fiduciary duty to settle obligations and restore credit standing. I do not consent to e-sign. unauthorized use of my personal data carries fee of XXXX XXXX XXXX dollars per daily for use per 15 U.S.C. 1. Corporations are prohibited from reporting negative items without negotiating obligation for settoff. All consumer reporting agencies do not have any express written consent and are forbidden to share my personal data per 15 USC 1681a ( q ) 3, nor consent to furnish any potentially negative, delinquency, collection items on any report or use intellectual property i.e. persona as such dissemination shall constitutes character assassination that results in the credit discrimination. I am principal original creditor pursuant of the U.S.C. 15 1692a ( 4 ) per USC 15 1692J. corporations must have signed agreement for use of personal data. no consent for use of an social security has been authorized except under duress and violation of 42 U.S.C. 408a8 ; public law 93-579. Consumer reporting agencies are demanded to proof otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: KY

Complaint narrative:
I had an account with XXXX that was plagued with billing issues. I was incorrectly billed many times, service was disconnected several times I was cussed at and hung up on by XXXX  's financial services reps. 


The account was paid. An complaint was filed with the attorney general of XXXX. XXXX responded stated the account was paid in full and issued an apology. 

They have now sent my account to collections with a third party collection agency which is now damaging my credit.

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