vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-09 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: TX

Complaint narrative:
In XXXX I was notified of a debt collection from XXXX XXXX XXXX. The account had passed to legal timeline for legal collections, yet at that time I settled the account in XX/XX/2020 for {$410.00} on a {$730.00} balance. XXXX XXXX refuses to remove the collection from my credit bureaus, trying to collect twice on an account that is at least eight years from the default timeline. This account from XXXX is a form of credit XXXX, that I request a full investigation from the Consumer Financial Protection Bureau, and each respective credit reporting agency for the serious violations XXXX XXXX is committing to its subscriber agreement with each respective credit bureau. I demand this account be purged from each credit bureau permanently. 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 2021-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America closed my checking account due to an issue with the USPS putting a hold on mail to my recently purchased home in error. I received notice to update my address from BoA which I did through the banking App - which resolved the alert I saw when logging into the app. Several weeks later, On XX/XX/XXXX I logged into the app to notice my checking account was not showing. I called Bank of America and was notified that I was being mailed a check for {$20000.00} in regular post to the very address on the account they were having mailing issues with. ( I did not figure out this issue with USPS until mid XXXX ). Bank of America is unwilling to place a stop on the first check and reissue a second check instead saying that I must wait a full 120 days to request a new check be issued. This account had regular direct deposits from my employer and clear autobill items for my car loan and credit cards. This issue has caused my wife and I serious financial hardship, late payment fees with other cards and loans, and put our ability to pay our newly acquired mortgage at risk. BoA made little to no effort to reach me prior to this closure and has done nothing to assist me since. Please help. My only option is to wait until XXXX to request they try to send another check by regular mail.

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 monetary relief
Consumer complaint received 2021-09-09 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: TD BANK US HOLDING COMPANY
State: KS

Complaint narrative:
I purchased a phone with XXXX XXXX. The card was with TD bank. I paid off the entire balance over the phone. I never received another bill, however I have credit monitoring and it alerted me to a delinquency. I reported the error to XXXX and they investigated. They said TD bank claims the {$20.00} charged to my account was legitimate. I then sent the dispute letter to the company as required on their website and never received a reply. After reading reviews online I believe this is not a new scam. I never made a charge after I paid the phone off. It was a 0 % interest card so there is no post payment interest. Lastly the fact that they refuse to reply is unprofessional, clearly I wouldn't let a {$20.00} charge drop my credit nearly 100 points.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My home loan was sold by my previous mortgage servicer to XXXX XXXX XXXX  around XXXX of 2015. Since then, they have been adding a balance of about {$900.00} for legal fees that they claimed they inherited from my previous mortgage company. I have contacted them many times via phone and email asking for proof that I owe this legal fee, but they failed to show any signed documents showing that I owe this amount. My last conversation with them was today and the rep said she would send me the document showing what I owe and she basically sent me a payment history showing that I was never late and a letter from ShellPoint showing that I owe a legal fee of {$520.00}. I asked for rep for any documents signed by me showing that I owe this amount and I also asked her if this was something Shellpoint inherited from my previous mortgage servicer, how come they never asked me about it for 5 years and suddenly when the loan was transferred to Shellpoint, the legal fee was added to my monthly statements and she did not have an answer. At this point, I feel that ShellPoint is scamming me and I suspect fraud since they can't come up with anything. The only communication I received from ShellPoint was a letter stating that they would look into the request and let me know and they never got back to me. I disputed the amount several times but they never responded to my request with either evidence showing what I owe or a solution to resolve the situation. I would like this fee removed since ShellPoint can not provide proof. I am attaching a copy of my statement history showing that I was never late for a payment and a copy of the account status document they sent me when I asked for proof showing that I owe this legal fee. My loan number is XXXX, mortgage services, Shellpoint Mortgage, XXXX, SCXXXX, phone XXXX, www.shellpointmtg.com

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: CA

Complaint narrative:
I disputed my credit file on XX/XX/2021 with Equifax after finding numerous inaccuracies reporting negatively. They then updated my credit file on XX/XX/2021 and I still found inaccuracies. I then sent them a request for method of verification for the updates of which they received on XX/XX/2021 and they failed to respond within 15 days as per FCRA rules. I have sent all correspondence with certified mail and I do not believe that they actually investigated anything other than using their electronic methods. I want to formally make a complaint for Equifax to remove my negative credit file for violating my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened an account with Citibank on Saturday the XXXX of XX/XX/2021, the Monday after I went to a branch and deposited my cashiers check which cleared the day after ( Tuesday ) Problems started when I tried wire transferring XXXX from my account on Tuesday, they said it got flagged and I called them with XXXX XXXX relay ( XXXX XXXX and XXXX XXXX ) on the call they asked me to provide a mobile number to receive a verification code, I gave them both my numbers ( XXXX  and XXXX ) they said I couldnt use both numbers, I then asked the guy that would it be sorted out if I went into a branch, he said yes. So I went to the Citibank branch in XXXX XXXX, CA. The lady I met went over my account and made a call ( I couldnt hear what was being said on the call but she kept looking at me disgustingly and then looked at one of her colleague and told her I look creepy maybe because Im XXXX and XXXX know what She said because I can lip read a bit ) After a while she wrote on a note and told me to call the customer service number myself, I wrote a note to tell her I already did and they couldnt verify me but here I am with my STATE ID so why do I need to call a different number when Im already in the branch, she gave me a disgusting look and just stretched the note to me again so I left, the next day, I went to the Citibank branch in XXXX, CA. and told him what was going on, he also made a call and wrote a note saying I should call the number, then he eventually helped me call and they asked the same number verification thing, they couldnt verify with my numbers, then he said they were going to MAIL me a code with instructions, then I told him I wanted to withdraw then I withdrew XXXX, 2 days after that ( Saturday ) I went back to the XXXX branch since I didnt get the code they said I was going to get, he said to wait then I said I wanted to withdraw another XXXX, he said no, that I cant withdraw till I get the code and instructions, now today is Wednesday, Ive still not gotten the code, I called them just now, they tried sending the code to my numbers again, he said it didnt work. That I should call back when I have a different number. Now my money is stuck in Citibank, I can not use online banking and I can still not withdraw my money in branch because of a verification code. I still dont know how that makes any sense.

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 2021-09-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
We have received mail, email and phone calls to refinance our loan constantly. At one point we were told if we didnt that they would sell our loan so we did it. This is the third time were having to do this. We have called and left messages for two loan officers many many times, weve email the loan officers, we have tried calling the mortgage company customer service and got no response what so ever they have a recording basically saying they are to busy. I email their messaging center and they always respond if you havent received a call in two days let us know and when we do let them know nothing is done they say give another two days. This is absurd we had a natural disaster, hurricane Ida. Weve never been late on our mortgage weve never had a forbearance request at all. It shouldnt be this hard to reach someone. They had a closing officer call us to close on our loan but the hurricane hit and we were without power for over a week and so as she. No one has reached out to us or returned calls. Someone needs to be held accountable!! This is a superb way to treat your veteran customers.

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 2021-09-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I made a purchase on XX/XX/21 of {$14.00} using my XXXX credit card from Comenity Bank. 

I did forget to make the payment and was charged a late fee and finance charges. I paid the balance listed on the website on XX/XX/21, but later discovered that I had incurred another late charge, so I still had a balance. 

I paid the total balance in full, {$66.00}, on XX/XX/21, which was not due until XX/XX/21. At that time I requested my account be closed since the company was no longer in business. 

A few days ago my husband told me I had an alert on our credit monitoring service from XXXX. I signed on to the account and found that they had continued to charge me a minimum finance charge and late fees after I paid my balance. The statement from XXXX actually says they will not charge interest if the balance is paid before the due date. 

So I now have a {$30.00} balance on a card that was paid off in full in XXXX along with negative activity on my credit report. I spoke with customer service at Comenity Bank and they stated they took those charges out and my balance is now {$0.00} but said there is nothing they can do about my credit report. 

How many other customers have they done this to??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: AZ

Complaint narrative:
This debt is not my debt. I have submitted numerous times prof of debt and never received anything other than it was validated. It is showing as a charge every month which is not legal and still showing a balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: NJ

Complaint narrative:
My fraud and identity theft issue first began on XX/XX/2021 on which date my XXXX e-mail account and XXXX XXXX XXXX account were both hacked and compromised. I immediately changed my XXXX e-mail account password and regained control of that account. I reported my XXXX account as hacked and compromised but still am unable to obtain access into that account as there is a 2-step verification ( 2-factor authentication ) code generator which was activated by the hacker. 

I received an e-mail alert from XXXX XXXX on XX/XX/2021 that a hard credit inquiry for a home mortgage loan was placed on my credit reports for XXXX, TransUnion, and XXXX. The lender appearing on each of my credit reports as making the inquiry is XXXX XXXX XXXX. I immediately contacted XXXX and was informed that they did not have any records of a home mortgage loan or credit card applications in my name or social security number. Therefore, XXXX further advised that there no records of them checking or inquiring into my credit. 

I then contacted each of the 3 credit bureaus and filed disputes for the inquiry and also placed credit file locks, security freezes, and fraud alerts on my credit accounts. The inquiry dispute has already been resolved with XXXX as they deleted and removed the inquiry on my credit report. The disputes with TransUnion and XXXX are still open and remain pending at this time as the hard inquiry still appears on my credit reports with them. 

I also filed complaints with the Social Security Administration - Office of Inspector General, the Internet Crime Complaint Center, the Federal Trade Commission ( IdentityTheft.gov ), and my local police department ( XXXX, NJ ).

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 2021-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
I placed an order to transfer {$1400.00} from my linked bank account to buy XXXX on the Coinbase XXXX mobile app. When I submitted the transfer an error message came up stating it was unable to process. So I then placed the same exact order for {$1400.00} again because the first transaction didnt go through. After the order processed I noticed Coinbase had processed 2 withdrawals for {$1400.00} each even though the first one came back in error. I didnt have enough funds in my account to cover this so I attempted to contact Coinbase and all I could get a hold of was automated messages same with email I received the same identical responses twice. After contacting my bank the said they couldnt stop this transaction therefore I got overdrafted for a {$30.00} fee from my bank. Coinbase Inc. tried to process the order again and I got overdrafted for a second time for {$30.00} from bank and I literally had no one I could get in touch with this whole time from Coinbase. Not to mention I also got charged a {$21.00} fee on a transaction I never even submitted then another {$21.00} when they made me overdraft twice. I get there is issues that occur but it is ridiculous I couldnt get a hold of anyone to solve this before losing more money I never even transferred in the first place. Coinbase owes me ( 2 ) {$21.00} fees for a transaction that came back in error but somehow still went through. They also owe me ( 2 ) {$30.00} overdraft fees that my bank charged me on. At the very least Coinbase owes me {$100.00} and a big apology for ZERO communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have called these 3 companies over and over again, I do not have a legal debt with none of these companies but they are asking for money. I am not going to verify myself to a stranger. The debts I had was all charged off. I have never did business with them and I have never verbally agreed to paying them anything. What they are doing is illegal and all I want is this mess off of my credit. PORTFOLIO RECOV ASSOC Phone ( XXXX ) XXXX is on my credit report twice with all three credit company 's. They say I owe a balance of {$1300.00}, and {$2200.00}. This has been on my credit report for the last 6yrs, almost 7yrs and I want it off of my credit. XXXX XXXX XXXX XXXX {$3600.00} Phone ( XXXX ) XXXX - Address XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX. The XXXX has been deleted with XXXX and XXXX. But it stands with XXXX. I have went back and forth with the credit companies and they have advised me to follow up with Consumer Financial protection. Collections agencies buys these debt and buy it in a huge portfolio. I do not have a contract with these companies. All my past credit cards have been charged off, so I want these collections off of my credit.This debit was sold to a collections agencies, I didn't agree for the creditor to sell to a 2nd and 3rd party. Nor did I sign a contract. I have no regulations of what these collection agencies are trying to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The delinquency listed on my Experian credit card is incorrect for XXXX credit. the delinquency is incorrect. The delinquency listed states that it was 150 days delinquent as of XX/XX/2020 and this is incorrect. Any balance owed on this account was paid in full and was not delinquent. I have reported this numerous times and have not been able to get this corrected. Because it is not reporting correctly, I am requesting that the delinquent pay status and pay history be permanently 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 explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The website to manage freezes with Equifax has been down for days. XXXX XXXX XXXX It takes you to this error page. : XXXX XXXX XXXX XXXX XXXX From what I read online, this is very very common for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital one XX/XX/2020 through XXXX XXXX. I got personal loan from XXXX XXXX XXXX for {$2000.00} pay off my capital one card to raise my score for new car. Once bank paid off my loan i call ask to verify. Bank rep ask me did i close to the account & i did. Wasnt as knowledgeable with credit as i am now. Hurt my credit by -40 points. I file a dispute capital one just put my account as paid as agreed. After i requested for it to be removed from my credit report. Still showing ristricted access to the closed credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation