vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
Navient refuses to take my loan out of deferment. I contact them and request that the deferment be waived and they tell me they will put in the request and that I will be notified when it is completed and then nothing happens and you never hear from them again. You call back and the same process happens again. They never address the issue. They have previously removed the same type of deferment and it was supposed to be noted on my account that I did not want any future deferments that I am working towards PSLF. I'm so tired of fighting constantly with this company that doesn't listen, and doesn't care, and has representatives that are unknowledgeable and who are unable to make changes to your account. They continue to underserve and provide wrong information to people pursuing PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
ATTACHED IS A LETTER SHOWING MY REASON FOR A MISSED PAYMENTS AND REQUESTING IF A GOODWILL ADJUSTMENT CAN BE MADE.

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 2020-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a loan that is currently being serviced by XXXX XXXX. In XX/XX/2019 I lost my job and applied for loan forbearance. I even sent payment for 1/2 my loan payment amount XXXX {$830.00} XXXX to initiate the forbearance. The forbearance was denied without explanation. I contacted XXXX XXXX, they informed me that my loan needed to be 90 days delinquent in order to file for a forbearance ( which seems counterproductive ). I waited the 90 days and filed again and the forbearance was approved and a forbearance contract was sent. Since the date specified I have made the requested payments of {$860.00} every month on time. However, XXXX XXXX has reported my loan as delinquent and it shows as almost 11 months past due. Needless to say this has taken my XXXX credit score down to XXXX. They are reporting incorrect information to all XXXX credit reporting agencies XXXX XXXX, Transunion and XXXX  XXXX and continue to do so.

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 2020-10-03 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: CA

Complaint narrative:
I have a loan that is currently being serviced by XXXX XXXX. In XX/XX/2019 I lost my job and applied for loan forbearance. I even sent payment for XXXX my loan payment amount XXXX {$830.00} XXXX to initiate the forbearance. The forbearance was denied without explanation. I contacted XXXX XXXX, they informed me that my loan needed to be 90 days delinquent in order to file for a forbearance ( which seems counterproductive ). I waited the 90 days and filed again and the forbearance was approved and a forbearance contract was sent. Since the date specified I have made the requested payments of {$860.00} every month on time. However, XXXX XXXX has reported my loan as delinquent and it shows as almost 11 months past due. Needless to say this has taken my XXXX credit score down to XXXX. They are reporting incorrect information to all XXXX credit reporting agencies XXXX Experian, XXXX and XXXX XXXX and continue to do so.

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 2020-10-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2020 I tried to use my card to pay for grocery and pharmacy and it did not work. 

XX/XX/2020 I called BofA and the supervisor said the account was closed due to fraud and that all systems were down and I would likely not have access to my money for weeks. Rep referred me to CA EDD XXXX Unemployment ). 

XX/XX/2020 I called EDD they stayed my account was in good standing and open. They acknowledged there was a batch of accounts flagged for fraud but insisted mine was not one of them. EDD directed me to call BofA to demand my funds. I stayed on the phone 6 hours and was hung up on many times during 12 transfers that escalated the call and after 6 hours they insisted there was nothing the could do. One of the supervisors was going to call with me to EDD to verify that the info was error but instead hung up on me. I asked for this so called bank account closure to be put in writing and was also refused. I provided proof of my various calls as well a screenshot of my prepaid bank card. Notice how the BofA portal says nothing about my account being closed. EDD portal also shows an active account. Yet the BofA card wont work and when I call BofA to say there is nothing they can do and are aware of thousands of other callers but no action to fix it even when someone takes 6 hours to try to manage it. They said only the sponsor can close it but isnt there laws protecting balances on prepaid cards? The card has my name on it. I should be able to pull the money out. 

Please help! 
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 non-monetary relief
Consumer complaint received 2020-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
My hazard insurance was paid upfront at closing for 1 year and 3 months. After 1 year XXXX/Dovenmuelle contact me with several threatening letters stating I need to buy. I contacted insurance company and they said XXXX refused to pay and only called asking for EOI. XX/XX/XXXX was end of policy. It even states it will renew automatic unless I contacted them. I had insurance company extend coverage on XX/XX/XXXX so they could send bill. 14 days later they cancelled policy. XX/XX/XXXX I reached out to XXXX and Dovenmuelle explained they were not abiding by closing agreement and mortgage agreement. XX/XX/XXXX they purchased a policy 3x more expensive, and doesn't cover my family or belongings. They still, even with me sending my mortgage agreement, will not return my money from escrow and threatened me with foreclosure while I'm under forebearance and fined me for late payment under forebearance Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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: CA

Complaint narrative:
I been disputing 2 medical collections showing up on my credit report, i had success getting collections removed by XXXX no problems, but XXXX and transunion are not helping me at all. This is affecting me from getting a good rate with my bank. my friend suggested this website before we try to sue XXXX and transunion in federal court. 

im requesting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX please delete of my credit reports. or i will sue in federal court.

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 2020-10-03 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: CA

Complaint narrative:
I been disputing 2 medical collections showing up on my credit report, i had success getting collections removed by XXXX no problems, but experian and XXXX are not helping me at all. This is affecting me from getting a good rate with my bank. my friend suggested this website before we try to sue experian and XXXX in federal court. 

im requesting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please delete of my credit reports. or i will sue in federal court.

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 2020-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I initiated a purchase of XXXX BTC ( value of {$5000.00} at that time ). Coinbase 's app showed that everything was fine and the transaction went through. On XX/XX/XXXX, I tried to sign into my account, and my ability to do anything was locked, and all of my holdings were gone ( not just the XXXX ). There was never an email notification of a problem, no app notification and nothing on the website, it just said to contact support. 

I reached out to support on XX/XX/XXXX, and they then told me that the bank transaction failed. I was never given the opportunity to rectify the situation before they reversed the transaction AND took the rest of the funds in my account. 

Coinbase is claiming their TOS allows them to use the USD amount to recoup the funds, not the BTC amount. So, while I had a transaction for XXXX BTC on XX/XX/XXXX worth {$5000.00}, when they decided to reverse it, the USD value dropped. So they reversed the XXXX transaction ( making them whole, getting their entire amount of BTC back ) but also took the following holdings : XX/XX/XXXX purchase of XXXX BTC was taken by coinbase XX/XX/XXXX purchase of XXXX ETH was taken by coinbase XX/XX/XXXX purchase of XXXX BTC was taken by coinbase So, I was never warned that there was an issue, they never informed me the transaction failed, they just locked my account and took all my holdings. I have been begging them for help for 8 months now, but they refuse to do anything other than send a link to their TOS. 

Using the current value of ETH and BTC, the USD amount that they recouped over those 4 transactions is {$5900.00}. Their website says I still owe {$290.00}. In other words, they reversed the XXXX BTC transaction associated with the {$5000.00} failed transfer. they reversed the three other unassociated transactions as well, so with all that, they MADE {$670.00}, and are asking me to pay another {$290.00}. 

Coinbase never warned me of an account issue. Coinbase failed to give me any other options. Coinbase will be MAKING {$960.00} on one failed transaction ( not including their transaction fees! ). They refuse to help me. I have begged them. They never gave me a chance to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: THE J.D. STUART LAW GROUP, LLC
State: GA

Complaint narrative:
Jd Stuart law firm began calling me about a  XXXX  XXXX XXXX card, I didn't think I owed. A lady from the center for aging, talked to me after I complained. I received some paper work from them about XXXX  XXXX XXXX and another law firm said I owed XXXX XXXX. The next thing I know j d stuart is suing me over a XXXX  XXXX balance, My father had been very ill and died in 2017, I didnt do any shopping. When I called a very rude lady said that I could " make this go away '' if I paid up now, or it would cost me XXXX dollars and the bill is XXXX, I am a nurse and work for the DOD, they have called and harassed me about another card. The next thing I know a deputy is at my door and they are serving me with papers. I work 10 hours a day as I am a covid tracker, and now they think I have XXXX of the XXXX. J.D Stuart is aware of this as I told them and they continued to harass me. Further more I have not heard from XXXX XXXX or anyone else about this except that other law firm

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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: LA

Complaint narrative:
Please the attached letter. I have previously disputed this account and you failed to follow the law. As a consumer, I have every right to receive the documentation that you used to " validate ' not verify this account. Please follow the law FCRA to the letter.

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 2020-10-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
In short, I'd opened a Capital One 360 savings account this past XXXX ( XXXX ) primarily due to a promotion offering a {$100.00} bonus for each {$10000.00} deposited for at least ninety days ( " NEW500 ''  promotion, and the maximum was a {$500.00} bonus ). Capital One 's T & C 's included a caveat that the offer was not valid if you had a previous savings product with Capital One. I'd been a long-term credit card customer of Capital One and enjoyed dealing with them, so I opened an account with {$50000.00} and expected the bonus to be credited by early-XXXX. 

When I'd not seen the credit posted by mid-XXXX I contacted them by phone. They informed me that we had been disqualified for the promotion as we had a previous online account with Capital One ... with a {$0.00} balance : - That account had long ago been forgotten by us ; - Capital One stated there had not been any activity on it since at least XXXX, and that they had not sent any statements in that time ; - I'd argue this meets the definition of a dormant account, and one in which it is incumbent on the institution to attempt owner contact ( ref XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

I know ( and respect ) that Capital One 's systems are technically sophisticated and instantly provide the information I want, when I want it. But, that sophistication is double-edged ... I believe it is reasonable to expect that a large institution such as Capital One, that has the data, could have used that data to flag a bonus compliance issue as described \at the time of application// ... and ultimately give me the opportunity to stop the application before going forward ... if it was going to deny the promotion. 

As a retired XXXX customer service manager, I know that sometimes businesses make unwise decisions. And one way you  keep customers loyal is resolving problems that occasionally arise, especially the XXXX cent variety!! I'd like to believe that given the facts, an empowered Capital One manager would see this from the customer perspective, and use their judgement to fulfill the promotion as applied for.

I'd be more than happy to discuss this matter further in an attempt to see Capital One 'turn sour grapes into wine '! Can you assist by providing the necessary visibility to your contact ( s ) at Capital One??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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: LA

Complaint narrative:
I am demanding a fair and lawful investigation into the attached accounts. I have tried to resolve directly with the companies but have not received proof that I own these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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: LA

Complaint narrative:
I am demanding a fair and lawful investigation into the attached accounts. I have tried to resolve directly with the companies but have not received proof that I own these accounts.

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 2020-10-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Attn : Consumer Relations To Whom It May Concern, I wrote to them requesting an investigation into items that I believe were inaccurate. I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not replied to my request. I regret that I am being forced to take action as such.

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 2020-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TSC Accounts Receivable Solutions
State: CA

Complaint narrative:
This account is not mine. I requested the debt to be validated and the proof sent to me. I have attempted to contact them a few times including certified mail. They never reply and continue to report to my credit report. 


I never received notification of this collection and only discovered this fraudulent account after checking my credit report for accuracy..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Avant Credit Corporation
State: AL

Complaint narrative:
On XX/XX/2020 Avant credit card deny me credit in maliciously way.fact adverse action prove there unfair acts and not equal. Under federal law adverse action is to be lower. They just violated me under the fair equal rights law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Attn : Consumer Relations To Whom It May Concern, I wrote to them requesting an investigation into items that I believe were inaccurate. I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not replied to my request. I regret that I am being forced to take action as such.

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 2020-10-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Attn : Consumer Relations To Whom It May Concern, I wrote to them requesting an investigation into items that I believe were inaccurate. I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not replied to my request. I regret that I am being forced to take action as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation