vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: REGIONS FINANCIAL CORPORATION
State: OH

Complaint narrative:
Continued phone calls from Superfleet collections with the intent to harass and annoy and to tie up phone line. They call from XXXX. They called yesterday and I provided payment information to 4 different people yesterday. The last person I spoke with yesterday told me the account would be noted and that the calls would stop. Today when they first called, I explained that I had spoken with them 4 times yesterday, and provided them the payment information 4 separate times. I asked for them to cease and desist calling. The lady laughed at me and said the calls would continue and she hung up on me. I called the number back and asked to speak with a supervisor and a gentleman refused, spoke over me, and said they would continue to call until the payment was received. I have received five phone calls today from XXXX - XXXX XXXX. One time they actually called using two different lines at the SAME time. I then called the XXXX number to file a complaint. I spoke with a supervisor at Superfleet and then also to the cancellation department ( account was supposed to have already been cancelled ). The cancellation department ( XXXX XXXX ) informed us that they were aware of NATIONWIDE mail delays from the United States Post Office and this was happening all over. However, they continue to harass and charge exhorbitant late fees to their customers - even customers like us that have NEVER been late on a payment and pay their account in full each and every month. We asked them to ensure that the calls do not continue.

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 2021-02-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX was given permission to run my credit ( in-house ) for the purpose of providing an auto loan ( XX/XX/19 ). 
XXXX ran my credit again ( and without my knowledge or permission ) nearly 14 days ( XX/XX/19 ) after the terms of the loan were established.

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 2021-02-04 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2021-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Me and my wife refinanced our mortgage in 2019 with a new bank. The refinance process took some time and escrow closed on XX/XX/2019. 

Some months after the refinance process I noticed our credit scores dropped, I found Caliber Home Loans is reporting a 30 days late payment for the month of XX/XX/2019, I decided to contact Caliber Home Loans to resolve this mistake. 

Base on my own records the 30 days late payments marks are inaccurate and completely wrong. The payment, with Caliber Home Loans, was due on XX/XX/2019 and escrow paid-off the loan on XX/XX/2019, then closed on XX/XX/2019. When I called Caliber Home Loans they claimed to received the pay-off amount on XX/XX/2019, on their end the payment was received 30 days late. 

They are wrong, I send them proof of escrow closed on XX/XX/XXXX and before escrow closed they paid off the loan but I noticed they just don't care. I spoke with a manager of Caliber Home Loans and she accepted the payment was wired BEFORE XX/XX/XXXX BUT due to the time zone difference and processing delays the payment was posted until XX/XX/XXXX. 

This is unfair for me and my wife since our credit scores were destroyed due to " the time zone difference and processing delays ''. The payment was made before 30 days late and they should correct our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
Summary : CMG Financial has over-charged me interest on my mortgage loan. On top of that, they have not been cooperative with me in remediating that issue. 

Background : I used to have a previous mortgage with them, Loan number XXXX, which I paid off via refinancing with another company ( XXXX XXXX DBA XXXX XXXX ) on XX/XX/2021. 

However, CMG Financial reacquired my loan ( they bought it from XXXX  ) so now I have a new loan ( number XXXX ) with CMG again. I dont know the exact date as to when they acquired my loan from XXXX ; only thing clear is that they could not have acquired it until after the refinancing escrow had closed on XX/XX/2021. 

This means that for the XX/XX/2021 monthly mortgage payment, I should only be charged interest for the actual number of days remaining in the month of XX/XX/2021 after ecrow closing on XX/XX/2021. 

I have sent several messages to them using their website and also made follow up phone calls to no avail. In a phone call with them on XX/XX/2021, the lady I spoke to said they will do a loan analysis to confirm interest charged and get back to me within 24 to 48 hours. I did not get any reply. 

On XX/XX/2021 at XXXX XXXX  PST, I sent them a message ( using their website ) and I mentioned that if I still do not get an update from them by XXXX XXXX  PST of XX/XX/2021 that I will have to file a complain against them, since that would be already 3 days from the time they were supposed to do a loan analysis. 

Around XXXX XXXX  PST on XX/XX/2021, I called their hotline to try and get an update since no one has responded at all to me. I told the lady who I spoke with to relay my message to a manager that if I still do not get any response by XXXX XXXX  PST of XX/XX/2021, then I definitely will have no choice but to file a complaint against them. 

Note : I had already made my XX/XX/2021 mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I owe Commenity Capital Bank about {$900.00} for XXXX  work. I have been paying what i can for about a year now. My balance hasnt shrunk at all, as a matter of fact when i ask for the total it magically goes up. ( Ex last month {$920.00}, this month {$1000.00} ) They call me about 2-4 an hour every day, when i dont pick up they call back with a blocked ( XXXX ) number. I have answered and ask for financial assistance since im the sole provider for my family and we live in the XXXX XXXX so its very expensive. They oblige but then the next week the calls start all over again asking for the full amount. Now when i answer i tell them this is harassment and they quickly hang up. I need help settling this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04 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: MS

Complaint narrative:
I disputed and inaccurate report bankruptcy with XXXX  XXXX and Equifax. I reached out to the bankruptcy court and was told that they do not furnish this information to the credit bureaus. However XXXX  sent a letter saying the plaintiff attorney verified the bankruptcy. The bankruptcy court provided me a letter ALREADY stating that this was false so clearly XXXX  is lying. 

I have reached out to an attorney and will file a suit against XXXX  Equifax and XXXX for inaccurate reporting Equifax and XXXX  claim they for their information from XXXX XXXX. However XXXX XXXX doesnt have this information in their file and claims that they never verified this info with the bankruptcy because they can not verify false information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Item 1. I've asked you to validate the debt Item 2. XXXX/XXXX  owns this contract Item 3. I owe nothing Item 4. You are reporting this as if I have an open tradeline with you Item 5. My CRA is impacting my credit reporting details, credit score when it's impactful from a FCRA standpoint Item 6. You responded to CFPB complaint that was immediately closed and based on FCRA compliance Item 7. Your correspondence is erroneous, fraudulent and incomplete Item 8. I do not owe this debt, you have failed to provide a signed contract Item 9. Please delete this erroneous tradeline

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have been using the regulated Digital Currency Exchange Coinbase for 4 years. They support the deposit of various currencies and the purchase/trading of digital assets. I have had no issues until 6 days ago. They have 2 platforms which are interconnected, one is called " Coinbase '' ( their retail platform ) - the other is called " Coinbase pro '' - Assets and currencies can be seemlessly moved back and forth between these two platforms. Coinbase pro is their trading platform. 

On Friday ( XXXX ) it is a well known fact that their platform experienced a variety of technical issues. I experienced one when I withdrew {$17000.00} from " Coinbase pro '' to " Coinbase '' and an error message came up saying the transfer couldn't be completed. I have done this type of transfer hundreds of times in 4 years with no issue. I closed the window and discovered the USD was now missing from both my Coinbase Pro Trading account and from my Coinbase account. I look at the withdrawals page and it says " COMPLETED '' - but also says " cancel_reasong : posting transaction failed. The money seems to have pretty much vanished, and it's a somewhat significant sum. 

I contacted customer service ( and have emailed them every day ) and have only received generic, seemingly auto-generated responses saying they are aware of my case and will let me know when there's an update. I have since learned that 100s of others are experiencing issues, some dating back several weeks and months, and one guy had an issue that hadn't been solved in 2.5 years. 

I have grown very worried that this supposedly highly regulated firm isn't going to " get to '' my case anytime soon and I'll lose access to this very large sum of money. For 4 years there were literally no issues, but this issue is very disturbing and I would really like to get a resolution soon. 

My case number with them is XXXX I have a XXXX  XXXX and a family to support and my business has been very badly effected by the pandemic, so this money is very important to me. Thank you in advance for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-04 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: CA

Complaint narrative:
Contacted Experian and XXXX  multiple times about a false account appearing on my credit report. Attached proof of letter sent along with pictures of certified mail, return requested proof.

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 2021-02-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Beginning on XX/XX/XXXX we requested a Pay Off amount for a commercial loan with Wells Fargo as we are attempting to refinance with a different bank. After a few days we received an email from Wells Fargo from XXXX requesting that fill out a form to request the information we needed. We did so on Monday, XXXX XXXX. We have not gotten any response from anyone and can not find anyone to speak with us about this matter. Anyone we speak to wants to pass us off to someone else. We tried dealing with a local branch and were told they could not help with this matter and we would need to talk to someone in commercial banking.

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 2021-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
I sent a letter to Barclays Bank Delaware to close account XX/XX/2020, they sent bill for the next 4 Months starting in XX/XX/2020 I kept getting billed. tried to call and never could get anyone on Phone, wrote another letter. Finally I gave up, I am asking that this gets taken off my credit report because this is a blemish I should not be responsible for. 

Thank You, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: GA

Complaint narrative:
Good afternoon, I checked my report recently and I found accounts that I do not know, I do not recognize them and I am not connected to these items. Can you please review and validate the information? As I think I am identity theft victim because the information that is reported in my profile is absolutely wrong and I disagree with this situation. Please check and delete them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: NJ

Complaint narrative:
Hospital/Physicians and Credit Control Corporation are in violation of the HIPPA law, sending unauthorized PHI and PII with no signed HIPPA release form and without truly verifying if this account belongs to me. For almost two years, I've been asking for documentation verifying these accounts, yet still no original signed documentation given, only copies of medical billing statement with diagnosis, patient name and date of birth.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX was given permission to run my credit ( in-house ) for the purpose of providing an auto loan ( XX/XX/19 ). 
XXXX  ran my credit again ( and without my knowledge or permission ) nearly 14 days ( XX/XX/19 ) after the terms of the loan were established.

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 2021-02-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2020, the amount of {$590.00} was deducted from my savings account. Someone used my bank account and routing number to pay a XXXX  credit card bill. The persons name on the check is someone named XXXX XXXX XXXX. I dont know this person and I have no clue how they had access to my information. I constantly check my account, and the same day that this happened I called the bank. Ive been calling Santanders customer service number, as well as attending the branches to get resolution and they keep giving m the long run and until this day they still havent fixed my issue. Customer service does not want to help, neither the branches. I even had affidavit of forgery notarized and I went to the branch and submitted. I call Santander the following week to follow up and they tell me the case has been closed because I never submitted the affidavit of forgery. I then receive a response from Santander Executive office in which they state that once I mail the affidavit they will reopen my claim. I speak to the lady that sent the letter, and she basically tells me that there is nothing that they can no longer do. Ive been calling and visiting branches none stop to get this resolved and no one has helped me. I always get the long run. I will be contacting my attorneys at this point.

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 2021-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MS

Complaint narrative:
In XX/XX/XXXX I entered a forbearance plan due to loss of income. My original payment was {$680.00}. In XX/XX/XXXX I called the mortgage company to try and set up a plan to start paying my mortgage and they offered extending my mortgage from a 20 year to a 40 year and the payment was {$830.00}. I asked why and they added in escrow. I told them I never escrowed in my mortgage and they said they would try to figure out the problem and call me back. I have never received a call back and I have tried calling them and I sat on hold over 45 minutes. I also sent an email and had no response. My forbearance has been extended to XX/XX/XXXX and I can not afford their offer. I need help getting the escrow removed

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 2021-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX, 2020, Chase did the payoff process by sending lien release form to XXXX County, they provide the estimate for the fee and did not offer the option to ask me if the property is owner occupied ( which is true for me ), that's why XXXX County charge {$75.00} more for the lien release. Chase is in the business of mortgage and they should know SB2 charge ( {$75.00} ), they insist it's my responsibility to find out that and tell them in advance which I disagree. I've contacted them through their web portal, they only respond with name " Chase Escalates '' and phone number XXXX, which look to me no one in their company want to take any responsibility for this respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Contacted XXXX and TransUnion multiple times about a false account appearing on my credit report. Attached proof of letter sent along with pictures of certified mail, return requested proof.

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 2021-02-04 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Contacted XXXX and XXXX multiple times about a false account appearing on my credit report. Attached proof of letter sent along with pictures of certified mail, return requested proof.

Company response to consumer: Closed with explanation