vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
On XXXX XXXX, one of the representatives of Credence Resource Management , LLC called me regarding my delinquent account with XXXX XXXX XXXX. I made a payment plan to pay my account in 3 payments. The representative suggested that I make an earlier payment. I told him I lost my job and that this is the best I can do right now. He agreed to my payment plan and noted it in my account. 

I did not give my bank account details or approved an auto debit from my bank account. I specifically told the rep that if I am able to pay ahead I will call Credence. I did not make any call after the first time I spoke with Credence. 

I found out today that my account was debited an amount higher than what I said I will pay. I did not authorize Credence to auto debit my account for that amount. I did not even provide my bank account details, which makes me wonder how they got it in the first place. 

I called Credence again and the rep said they will refund the full amount debited but that it will take them 15 days to do so. I still think it was wrong practice for them to just go ahead and debit my account for an amount that I did not agree to. 

I emailed a dispute to the company and informed them that I am sending a complaint to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I filed complaint Chase refused to admit XXXX modify was not legal since then I have document prove XX/XX/XXXX i was denied modify so they had no right to move alone and extend me 30yrs start my loan over the approval on XX/XX/XXXX that I signed no witness was not suppose to continue once denied they refuse to admit denial letter is proof i was victim preditory pending want start loan over so XXXX XXXX Chase XXXX XXXX XXXX could continue profit since my principle on top i was no longer an asset never gave copy of executed modify one with my sign on it not even dated so when was it approved Chase claim they notify me by phone on XX/XX/XXXX tell me approved denial letter never mailed i searched until I got to bottom of it XXXX received letter XXXX_behind had 32day pay which cause the XXXX letter to forclose default now XXXX all from one month behind XXXX XXXX paid XXXX appraisal came forbearance agreed upon still penalized for making less then regular payments led to XX/XX/XXXX approval denial modification no trial period no witness no default all fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
While in the process of attempting to establish and maintain a positive ; credit rating, score, and payment history ( six, suggested late pays ranging from 30 days to 60 days, some consecutive ) I've noticed that after my account with perfect payment history 's closure in XXXX after a financial fraud was committed on my account and they sent me a card ending in XXXX. Card was replaced twice before. After the data breach of XXXX, XXXXXXXX XXXX XXXX payment history on my account changed negatively. They also said they will be doing nothing about the matter, that the data is accurate and they can not give me any information on account closure dates. They have me red flagged ever since. I also have been having problems with their customer service agents and pre-qualification tool. 
About the pre-qualification tool first. Three different sites ( XXXX, XXXX XXXX, XXXX  XXXX XXXX and suggested I was well qualified for the XXXX XXXX Rewards Card, they offer only to be rejected for the application due to XXXX XXXX XXXX  corrupt debt handling and collecting practices and policies. Thus, being well qualified? And the tool leaves a HARD inquiry on my credit profile yet suggests no harm to your credit score. 

Lastly, the ambient sounds from XXXX XXXX XXXX customer service department was suggesting a pedophile was on the phone stating, " Come on XXXX, can't we grant him a credit card? '' Only to have my customer service agent on the phone with me start talking with an XXXX XXXX accent, followed by a sniffles and laughter. I DO NOT like people trying to discriminate against me, even PLAYFUL ATTEMPTS. The customer service in the background also said that XXXX is a XXXX in XXXX after attempting to put me on hold. 

THIS IS DISCRIMINATION ( ATTEMPTED AND SUGGESTED ) AND FINANCIAL PROTECTION ABUSE THAT XXXX XXXX IS ; LIABLE FOR, AND NEEDS TO BE IMMEDIATELY ADDRESSED. 

*XXXX DATA BREACHES XXXX, XXXX, AND XXXX. 
*SUGGESTIVE DEROGATORY REMARKS, SUGGESTED FOR ME, FROM CUSTOMER SERVICE OFFICE ( AND MANAGEMENT ) AMBIENT BACKGROUND AND PHONE REPRESENTATIVE ( S ). 
*CHANGING REPORTED INFORMATION DEROGATORILY AFTER ACCOUNT CLOSURE AND DATA BREACH ( ON STATEMENTS ALSO ). 
XXXX IF ASTERISKS 2 AND 3 ARE TRUE THEN IT'S A PART OF A DISCRIMINATORY GOVERNMENT CONSPIRACY AGAINST ME IN ATTEMPTS TO GAIN FINANCIALLY. CHECK PHONE RECORDINGS CUSTOMER SERVICE AND XXXX XXXX LAST 4 OF CARD ENDED IN XXXX. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
While in the process of attempting to establish and maintain a positive ; credit rating, score, and payment history ( six, suggested late pays ranging from 30 days to 60 days, some consecutive ) I've noticed that after my account with perfect payment history 's closure in XXXX after a financial fraud was committed on my account and they sent me a card ending in XXXX. Card was replaced twice before. After the data breach of XXXX, XXXXXXXX XXXX XXXX payment history on my account changed negatively. They also said they will be doing nothing about the matter, that the data is accurate and they can not give me any information on account closure dates. They have me red flagged ever since. I also have been having problems with their customer service agents and pre-qualification tool. 
About the pre-qualification tool first. Three different sites ( Experian, XXXX XXXX, XXXX  XXXX XXXX and suggested I was well qualified for the XXXX  XXXX Rewards Card, they offer only to be rejected for the application due to XXXXXXXX XXXX XXXX corrupt debt handling and collecting practices and policies. Thus, being well qualified? And the tool leaves a HARD inquiry on my credit profile yet suggests no harm to your credit score. 

Lastly, the ambient sounds from XXXX XXXX XXXXXXXX customer service department was suggesting a pedophile was on the phone stating, " Come on XXXX, can't we grant him a credit card? '' Only to have my customer service agent on the phone with me start talking with an XXXX XXXX accent, followed by a sniffles and laughter. I DO NOT like people trying to discriminate against me, even PLAYFUL ATTEMPTS. The customer service in the background also said that XXXX is a XXXX in XXXXl after attempting to put me on hold. 

THIS IS DISCRIMINATION ( ATTEMPTED AND SUGGESTED ) AND FINANCIAL PROTECTION ABUSE THAT CAPITAL ONE IS ; LIABLE FOR, AND NEEDS TO BE IMMEDIATELY ADDRESSED. 

XXXXXXXX DATA BREACHES XXXX, XXXX, AND XXXX. 
*SUGGESTIVE DEROGATORY REMARKS, SUGGESTED FOR ME, FROM CUSTOMER SERVICE OFFICE ( AND MANAGEMENT ) AMBIENT BACKGROUND AND PHONE REPRESENTATIVE ( S ). 
*CHANGING REPORTED INFORMATION DEROGATORILY AFTER ACCOUNT CLOSURE AND DATA BREACH ( ON STATEMENTS ALSO ). 
XXXX IF ASTERISKS 2 AND 3 ARE TRUE THEN IT'S A PART OF A DISCRIMINATORY GOVERNMENT CONSPIRACY AGAINST ME IN ATTEMPTS TO GAIN FINANCIALLY. CHECK PHONE RECORDINGS CUSTOMER SERVICE AND XXXX XXXX LAST 4 OF CARD ENDED IN 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 non-monetary relief
Consumer complaint received 2020-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.

Complaint narrative:
I recorded the conversation of chat between citibank and me for the one transaction to cancel the dispute and made two or three phone calls to cancel the dispute. But they are are not doing it. I am USA citizen  and staying in XXXX as per doctor instruction being a native of that country. I transfer my saving and pension money every month and had a problem this month.

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 2020-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: VA

Complaint narrative:
We recently received the note AmeriHome Mortgage sent to you on XX/XX/2020. Unfortunately, we continue to have the following difficulties with this poorly managed company. First, per paragraph 6 on their note to you, we were supposed to be able to request the company to return the {$100000.00} in principal payments to us by sending a note to XXXX. We sent a request as to this process on XX/XX/2020, but have yet to hear back from the company. We sent a follow-up note on XX/XX/XXXX and XX/XX/XXXX, with still no reply. Today is XX/XX/XXXX. Second, we sent the {$250.00} check to AmeriHome to finalize the agreement and put the issue to rest, they deposited it on XX/XX/XXXX and notified us on XX/XX/XXXX of the deposit. Third, the company had not modified the loan terms on their website for a monthly payment of {$4100.00} per the XX/XX/2020 notarized agreement signed by us and received by AmeriHome. Therefore, my wife had to submit the previous, normal payment of {$4600.00}, even though the company has had possession of our {$100000.00} recast payment toward the principal since XX/XX/2020 and had processed the {$250.00} check on XXXX. Fourth, AmeriHome finally modified the payment amount, but to {$4200.00} ; again this is not the contracted and notarized amount of {$4100.00}. If not corrected, this will result us paying more than {$37000.00} over what both parties agreed-upon per the notarized agreement. 
Given our difficulties with AmeriHome and noting recent difficulties others have had with the company per a recent XXXX XXXX XXXX article, I am surprised that they continue to operate in the US in good standing. Certainly, we would like : 1 ) to find out the process of having the money returned, 2 ) have the company return {$570.00} - the difference between what my wife paid and the agreed-upon amount payment per the aforementioned notarized document for the recast and 3 ) have the company modify of the payments to {$4100.00} per the aforementioned notarized  agreement, not the {$4200.00} indicated earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
Complaint about wrongful billing XX/XX/2020 paid bill early wasn't due until XX/XX/2020 took funds from bank account now saying owe double payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: CA

Complaint narrative:
THE DEPT OF EDUCATION IS REPORTING 2-3 LOANS PER BUREAU ON THE BIG 3 CREDIT BUREAUS. ( acct no. 's XXXX ) ALL ARE INCONSISTENT BETWEEN THE 3.ALL ARE INACCURATE.ALL ARE REPEATEDLY VERIFIED AS CORRECT BY ALL THREE BUREAUS.THE BUREAUS ARE RESPONSIBLE AND FINANCIALLY LIABLE TO ME FOR 100 'S OF THOUSANDS OF DOLLARS IN CREDIT DAMAGE ( which i will sue for, if not remedied ) .THE BUREAUS ARE AWARE THAT 2ND IN COMMAND, OUTGOING COO OF THE DEPT OF ED SAYS " THE STUDENT LOANS ARE AN ABOMINATION.THAT THE DEPT OF ED IS THE LARGEST MOST IRRESPONSIBLE CREDITOR IN THE UNITED STATES.THAT THE DEPT OF ED GETS 5000000 REQUESTS FOR CREDIT CORRECTION PER MONTH AND THAT MOST ARE INACCURATE. '' ALL 3 OF MY LOANS WERE NEGATIVE, NOT CURRENT, NOT BROUGHT CURRENT AND REPORTING NEGATIVELY FOR MORE THAN 7 YEARS IN DEFAULT, LAST PAYMENT MADE XXXX XXXX MONTHS AGO I BEGAN WORKING WITH THE DEPT BUT PRIOR NONE OF THESE LOANS HAD A LEGAL RIGHT TO REPORT ACCORDING TO THE 7 YEAR STATUTE OF LIMITATIONS IN THE FCRA. 
I HAVE ATTACHED THE COO INTERVIEW, YOU CAN FIND HIS LIVE AUDIO ONLINE WITH HIS XX/XX/2019 ABANDONMENT OF THE DEPT OF EDUCATION. 
ALL BUREAUS ARE LIABLE BECAUSE THEY KNOW THAT THE DEPT OF EDUCATION IS REPORTING AND VERIFYING FRAUDULENTLY TODAY AND ON A REGULAR BASIS.

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 2020-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THE DEPT OF EDUCATION IS REPORTING 2-3 LOANS PER BUREAU ON THE BIG 3 CREDIT BUREAUS. ( acct no. 's XXXX ) ALL ARE INCONSISTENT BETWEEN THE 3.ALL ARE INACCURATE.ALL ARE REPEATEDLY VERIFIED AS CORRECT BY ALL THREE BUREAUS.THE BUREAUS ARE RESPONSIBLE AND FINANCIALLY LIABLE TO ME FOR 100 'S OF THOUSANDS OF DOLLARS IN CREDIT DAMAGE ( which i will sue for, if not remedied ) .THE BUREAUS ARE AWARE THAT 2ND IN COMMAND, OUTGOING COO OF THE DEPT OF ED SAYS " THE STUDENT LOANS ARE AN ABOMINATION.THAT THE DEPT OF ED IS THE LARGEST MOST IRRESPONSIBLE CREDITOR IN THE UNITED STATES.THAT THE DEPT OF ED GETS 5000000 REQUESTS FOR CREDIT CORRECTION PER MONTH AND THAT MOST ARE INACCURATE. '' ALL 3 OF MY LOANS WERE NEGATIVE, NOT CURRENT, NOT BROUGHT CURRENT AND REPORTING NEGATIVELY FOR MORE THAN 7 YEARS IN DEFAULT, LAST PAYMENT MADE XXXX XXXX MONTHS AGO I BEGAN WORKING WITH THE DEPT BUT PRIOR NONE OF THESE LOANS HAD A LEGAL RIGHT TO REPORT ACCORDING TO THE 7 YEAR STATUTE OF LIMITATIONS IN THE FCRA. 
I HAVE ATTACHED THE COO INTERVIEW, YOU CAN FIND HIS LIVE AUDIO ONLINE WITH HIS XX/XX/2019 ABANDONMENT OF THE DEPT OF EDUCATION. 
ALL BUREAUS ARE LIABLE BECAUSE THEY KNOW THAT THE DEPT OF EDUCATION IS REPORTING AND VERIFYING FRAUDULENTLY TODAY AND ON A REGULAR BASIS.

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 2020-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I XXXX XXXX am writing to dispute the following information Original Creditor 08 CAPITAL ONE BANK USA N A Current Creditor XXXX XXXX Account Mark Collection/ chargeoff Past Due {$440.00} Reported On XXXXXX/XX/2017 that your company provided to XXXX, XXXX, and XXXX   I have listed the items : This item : Original Creditor 08 CAPITAL ONE BANK USA N A Current Creditor XXXX  XXXX  Collection Past Due $ XXXXReported On XXXXXX/XX/2017 is inaccurate because there was a data breach resulting in identity theft. I am requesting that Capital One Bank and XXXX XXXX XXXX XXXX  XXXX  have the item ( s ) removed or deleted. 
Please reinvestigate and remove these matter [ s ] and contact the national credit reporting companies to which you provided this information to have them delete the disputed item [ s ] as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
These are not my accounts reporting

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 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I XXXX XXXX am writing to dispute the following information Original Creditor 08 XXXX XXXX XXXX  XXXX XXXX A Current Creditor  PORTFOLIO RC Account Mark Collection/ chargeoff Past Due {$440.00} Reported On XX/XX/2017 that your company provided to XXXX, XXXX, and XXXX   I have listed the items : This item : Original Creditor 08 XXXX XXXX XXXX XXXX XXXX XXXX  Current Creditor PORTFOLIO RC Collection Past Due $ XXXXReported On XX/XX/2017 is inaccurate because there was a data breach resulting in identity theft. I am requesting that XXXX  XXXX XXXX  and Portfolio RC XXXX XXXX  XXXX  have the item ( s ) removed or deleted. 
Please reinvestigate and remove these matter [ s ] and contact the national credit reporting companies to which you provided this information to have them delete the disputed item [ s ] as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
My ex-husband and I own ( with a mortgage ) a co-op apartment in XXXX. As part of the divorce, he got to live there, and was supposed to maintain the payments. As it's a co-op, it has ( essentially ) HOA or maintenance fees. My ex-husband got very behind in the HOA fees, so much so that legal counsel for the co-op contacted the company holding/servicing our mortgage. The servicing company paid the HOA in full, and added the amount to our mortgage payment. All of which, while embarrassing, is fine. 
About then, I stepped in. I'll skip over the part where the servicing company refused to let me pay the arrears back in a lump sum, and that the many times I've called with questions the friendly folks on the phone were not equipped ( educated, trained, etc. ) to answer. 
For reasons not made clear to me, and without mine or my ex-husband 's permission, the servicing company now considers the legal counsel for the co-op to be the primary client. All of my mortgage statements, my tax documents, etc., are sent to a lawyer who is not in my employ, not representing my interests and ( if my conversation with the representative from the lawyer 's office is correct ), never asked for it. 
Please make them stop sharing my personal information with strangers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
COINBASEs transfer to a FRAUD SCAM Brokers : XXXX XXXX / XXXX XXXX  / XXXX XXXX. I would like to bring your attention to a serious issue I have with COINBASE that first took place on the XXXX of XX/XX/XXXX. I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX  / XXXX  XXXX  / XXXX XXXX  - the Companies. The funds were transferred utilizing COINBASE 's services in the total amount of XXXX GBP! I would also like to point out that on the XXXX of XX/XX/XXXX - I filed a dispute with COINBASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Business Factors
State: RI

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. 

Your agency must also provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws.

Company response to consumer: Closed with explanation