vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
On XXXX XXXX, I made the horrible decision to have a one time visit for a fully covered annual well visit with XXXX XXXX XXXX XXXX XXXX with XXXX XXXX which was an unpleasant experience. This was my one and only visit in XXXX due to Covid-19. However, XX/XX/XXXX, a collection randomly popped up on my credit reports with an original creditor of XXXX XXXX XXXX in which I have never received any bills or communication from nor have I even had a visit with furthermore for XXXX. I have XXXX XXXX account in which I have only received statements for a XXXX balance for the one visit I had which has been paid. This company placed a XXXX balance that they never made me aware of nor provided an opportunity to dispute or pay but just placed in collections which is not acceptable. To date, I have not received any notification from XXXX indicating a {$52.00} balance, any statement or communication in the mail from the original creditor or agency they placed the alleged balance with that it exists outside of placing it on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I have a MasterCard issued by Comenity Capital Bank. My interactions via their " Secure Message Center '' are anything but. Their Fraud Department seems susceptible to " man in the middle '' attacks, i.e., their responses do not seem to directly relate to my questions and, moreover, their security verification queries seem like phishing attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
House damaged in tornado XX/XX/XXXX. Insurance company assessed damages and issued check for repairs XX/XX/XXXX. Mortgage company has had endorsed check and documents they requested via letter since XX/XX/XXXX. Sent confirmation email to us XX/XX/XXXX confirming all doc 's received and review process started. S/W someone in the Loss Drafts Dept on XX/XX/XXXX who confirmed review process was completed XX/XX/XXXX and disbursement check ( first of several to be made ) would be issued within 10 business days. Check should have issued by XX/XX/XXXX. Called company XX/XX/XXXX to check status-was now told something else ; asked to speak with Supervisor-was given a name and told they would call me back. No call ever received. Called company again XX/XX/XXXX and spoke with a Supervisor-was assured they had authorization to issue the first disbursement within 2 days ( by Fri XX/XX/XXXX ) and was mailing it Priority Mail. Check has not been received. I have sent 3 emails and called and left messages - not getting any response from anyone. Mortgage company has had our repair funds for 30 days - we have been out of our home 2 months and 11 days and no repair work has begun because we can not get the money for repairs from the mortgage company. When you call their Customer Care line in the Loss Drafts Department, the usual wait time for someone to pick up the call is 15-20 minutes.

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 2021-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
LoanDepot assumed our mortgage in XXXX without disclosing that extra flood insurance would be required. Our HOA has a flood insurance policy. They started notifying us in XXXX with generic Robocalls and then sent mail correspondence originally asking for the flood insurance policy certificate which was sent to them. Then in XXXX they started threatening us that if we didn't purchase flood insurance, they would purchase the policy and charge us extra each month. When I asked them how much was needed, they said I would have to speak to their insurance department. When I called their insurance department, they said they couldn't speak to me because I wasn't an insurance agent. They never provided the amount of flood insurance I needed and they never told me how much it would cost. I spent an extensive number of hours talking with numerous representatives and Supervisors in Customer Service trying to obtain more information for which all provided contradictory and constantly changing information. Even though the last person I spoke with, a Supervisor, told me that it looked like we could pay down the loan to offset the need for additional flood insurance but he would have to call me back to confirm. I never received a follow-up phone call and we received an email on XX/XX/XXXX letting us know that they purchased flood insurance without our approval while we were in the process of trying to resolve the issue. It was confirmed that they actually did this on XX/XX/XXXX yet no one told me this during the many conversations I had with multiple representatives after that date. One representative even told us that we would receive a final notice letter in XXXX and then we would have 30 days to rectify the problem, but that was also more erroneous information on top of other erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: PNC Bank N.A.
State: IN

Complaint narrative:
My PNC XXXX XXXX card was closed without my consent. They stated my account was under review. I can not access any of my funds for bills and upcoming rent payments. I can not review my transaction history or Balance. They stated there is no time frame on when the review will be complete. It is really an inconvenience for me. They stated an ach payment had the wrong titling information but all my deposits Ive received were correct. I had an ach payment for a loan that I received back in XXXX and they are just now reporting this issue this month. It was strange how I called in because a transaction was declined and I called to see why and the lady had me on hold for over 10 minutes. She finally got on the line and stated I reached my daily spending limit and not 30 min later my account was closed and under review smh. I have all of the information I need to show that all the money In my account belongs to me. Loan documents etc. Each representative doesn't know why there is no time frame on this review and I was told I had to go into the bank so they can call an internal review line and when I did go into the bank the rep called and the lady stated all the money in my account was under review and I could not access it under the review was complete. I need this process to be completed as soon as possible. It is really XXXX to just flag my account for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
My home loan mortgage is currently under the COVID 19 forbearance program. It expires in XXXX. Per the cares act - I am entitled to ask for an additional 6 months. Bank of America is not allowing my request to be processed.

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 2021-06-06 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: GA

Complaint narrative:
I needed to upload the information because there are so many pages of information. I have attached the summary of what happened, the credit card letter, the information of purchasing including the bank charges and then the credit card charges made. The receipts, return receipts and scans of gifts cards are also attached. Also, please look at the seller 's information on tracking. XXXX does not understand why the return is to XXXX because it was shipped from New York ; however, XXXX has to go by what is on the seller 's XXXX account. Screenshots of text from XXXX  as well as the seller. This is way too much money to lose. I hope and pray you can help. We are middle class and do not have this to lose. 
Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I opened a Coinbase.com account and I was able to buy some coins but they put {$15000.00} of my money in a default Portfolio and every time I try to buy coins even if its {$10.00} it says " Insufficient funds '' I am XXXX years old, a senior citizen, and have already asked them to help with this but no answer. This have been going on for some time now. 

My email is XXXX Please get involved because I have read online that the same thing is happening to others I thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: IN

Complaint narrative:
Equifax continues to report incorrect, inaccurate information about The XXXX accounts on my consumer Credit report. I disputed the Late payments they have and reporting on my consumers report for XXXX, XXXX and XXXX. 
They did not verify the disputed information, instead left the same Late payments that they continue to report and said they updated my report. These payments were never late. My account was in a Deferment status at the time in which Equifax is reporting Late Payments. 
Because of Equifaxs inaccurate reporting and failure to verify, I was denied a home mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
Its Netspend by XXXX, my card and phone were stolen and I lost {$2300.00} out of my account i followed the steps filed a police report canceled my card and provided all requested documentation for my claim and not even 8 days I received a denial letter they hadnt even received my police report over the mail yet. Iam covered by the guidelines of the fdic and Netspend is refusing to help

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 2021-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: TX

Complaint narrative:
I was approved for a pay day loan from OppsLoan in XXXX of this year for {$700.00}. I have already paid off this amount, but they inflated the total balance due, and keep calling me daily, and some times multiple times a day repeatedly. I feel that this is harassment, and should stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: USCB Corporation
State: MD

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-06-06 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: NC

Complaint narrative:
XX/XX/XXXX, XXXX XXXX, from the MO Division of Consumer Finance responds via email to a complaint initiated with the Comptroller. She couldn't understand what the problem I had with with XXXX XXXX XXXX XXXX as issuer, and XXXX, as new servicer, was. 

Again, the reports submitted to the bureaus include negative payment history that is not to be included. 

The Bank 's response is accurate in fact. Describes the action to be taken on the entry by the servicer, XXXX. That action, nothing, since the information is accurate. They are not considering those Metro II rules for subscribers. 

Story : Account opened XXXX XXXX was reported lost ( record XX/XX/XXXX ). Replacement arrived XXXX XXXX. 

Rule : 1. Update Account Number, one seamless file.

2. Open new account. Close original.

Bank Opted for # 2.

If you do that, the open date is the same. Negative information is excluded. 

Negative information removed from original account. Reinsertion rule prevents re-reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: MI

Complaint narrative:
In XX/XX/2019, I opened a Comenity New York & Company. On this charge I purchased a dress and in the same month XX/XX/2019, I returned the dress. I believed the financial part of the account to be settled, even. In XXXX I received an alert on my XXXX XXXX and it stated I had a late payment and my score fell XXXX points. After I reviewed the report, I realized that it was Comenity New York and Company. I immediately called New York & Company to get and explanation. The agent told me I had been charged a restocking fee or the fee for returning the dress, {$6.00}, I am not sure. I tried to reason with agent, and I requested removal of the late payment and a onetime courtesy to remove the negative remark off my credit report because my actions were not meant with malice, and it was truly a mistake. After the agent told me she did not have the authority to remove the late payment, I then wrote to the CEO of New York & Company requesting a onetime courtesy and or forgiveness of the removal of the late payment. I anticipated a favorable response. However, the response was devastating, the late payment remained. 
I used this card once and I strongly feel this time only my actions do not fit the severity of their actions. I tried to explain this is my letter. I opened a credit card, I used it once. I purchased a dress and returned it within the same month, and I was not aware of the {$6.00} fee. So, I am requesting assistance in removal of this late payment. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Due to loss of income before and after Covid 19 I have been struggling to make my mortgage monthly payments. When Covid 19 came I contacted SPS and I was offered a Covid 19 Forbearance plan for only one month paying {$860.00} on XX/XX/XXXX. I was never explained why they did not continue with this amount for at least a few months. 

Before XX/XX/XXXX, I had also contacted SPS, due to loss of income, and I was put on a plan for 3 month 's paying {$500.00} from XX/XX/XXXX to XX/XX/XXXX. Unfortunately I was never told that the amount that I was not paying on the regular monthly payment of {$1200.00} would continue to accrue as late. I believed that this would just stay at the end of the loan and after my repayment plan I could continue with my regular monthly mortgage payment of XXXX. 

Now on XX/XX/XXXX they send me a letter that I am approved for a temporary repayment plan of 12 months paying {$2200.00}. How could they expect me to pay XXXX XXXXXXXX when I am struggling to pay XXXX XXXX? I appealed this decision, asking them to please modify this plan to 18 months instead of 12, hoping this would lower the monthly payment. I initially had asked to please put this total repayment amount at the end of the loan but they refused. They have also denied my appeal request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: AL

Complaint narrative:
I wrote in to CFPB on XX/XX/2020 about a issue on my Equifax credit report. I told this company that I had a debt that was reinserted or never removed even though the updated report stated that it was removed. Equifax wrote back to CFPB on XXXX XXXX saying that they mailed me a update but nothing was updated. As of today this debt is still appearing on my report and if an item as erased and is reinserted afterwards, the FCRA requires that the CRA send you written notice of the reinsertion within 5 days. When you receive the notice, you will have to go through the same process to contest the mark as you did the first time. When you contest the reinsertion, you may want to include paperwork showing that the mark was previously contested, and removed. I did not receive any kind of notice from Equifax about this reinsertion. Negative mark is confirmed, I did not get no response, They have violated the FCRA. Neither the creditor nor the CRA can argue that they incorrectly deleted the item the first time, or that the mark was removed in error ; if it was removed pursuant to your prior letter informing the CRA that the mark is inaccurate, it can not be reinserted for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted all of the required documentation to remove the XXXX XXXX Inquiry is appearing on my credit report. I have spoken and was advised to submit the information and it will be removed in 72 hours. The inquiry is still showing on my 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 2021-06-06 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted all of the required documentation to remove the XXXX XXXX Inquiry is appearing on my credit report. I have spoken and was advised to submit the information and it will be removed in 72 hours. The inquiry is still showing on my 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 explanation