vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: ME

Complaint narrative:
I have had a serious problem partially caused by myself and homepoint financial, my mortgage holder. 
In the process of moving I neglected to change my direct deposit for one month. After calling and making the back payment on XX/XX/XXXX I also changed the direct withdrawal to my new account. This change to my new account was not done so homepoint tried to charge my old account. Immediately after This on XX/XX/XXXX I called to straighten it out and was told everything was fine my new payment method was set up again.

Two weeks later my account was again not charged and I was charged another late and overdraft fee. On XX/XX/XXXX I called and asked to make a payment. I was informed I could only pay via certified funds because of this mess of mistakes on their part. I told him that I travel for work and I was unable to. I was advised to pay using very expensive means such as XXXX XXXX or to apply for a deferment. Im not at all happy with homepoints treatment of me or them suggesting I fraudulently use a deferment program. I would like to be paid back for the time Ive had to deal with this, any fees I have had to pay and to be able to pay my mortgage in a way that is not such a burden. 

Dates of calls and employee ids XX/XX/XXXX XXXX. Payment made XX/XX/XXXX XXXX changed payment auto draft XX/XX/XXXX XXXX XXXX XXXX XXXX argued with them XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: TX

Complaint narrative:
A bankruptcy is appearing on my credit report that is not mine. I am attaching a letter I have sent to Experian DISPUTING the public record and or bankruptcy.

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 2021-08-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with Credit Acceptance Corp on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Credit Acceptance Corp took cash. The finance charge is supposed to include insurance, but Credit Acceptance Corp made me purchase insurance separately.

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 2021-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/XXXX I applied for a Secured Unlimited Cash Rewards Platinum Plus Visa card with Bank of America. Reference # XXXX. My application was denied the same day. I received a letter stating that one of may accounts was included in bankruptcy or thy received notification of my intent to file bankruptcy. Both of these allegations are false. Bank of America did not validate/verify any of this fraudulent information through me in regards to me. I do not have any accounts from Bank of America included in a Bankruptcy and I have not informed Bank of America of any intent to file bankruptcy. They are receiving inaccurate information in regards to me as the consumer without receiving factual information from me. The Fair Credit Reporting Act ( FCRA ) is intended to inform consumers about the accuracy and fairness of credit reporting in pursuant to 15 USC 1681. Denying me of getting a secured credit ( using my own funds ) is not accurate and fair.

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 2021-08-17 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: Renton Collections Inc.
State: AZ

Complaint narrative:
This account was removed from my credit report, then they turned around a few weeks later and put it back on the report.this can't be legal.this company does this alot to other people and it shouldn't be allowed.this is bad business.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2021-08-17 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: CA

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: NJ

Complaint narrative:
We have an FHA mortgage. We had refinanced with FHA streamline ( XX/XX/XXXX ) and our first payment was XX/XX/XXXX. Our Principal Balance was {$390000.00} ( monthly payment of XXXX ). We entered into Forbearance due to job loss/salary loss from Covid in XXXX of XXXX. We were on forbearance for one year. We exited the program in XXXX of XXXX and qualified for the Standalone Partial Claim to the amount of XXXX. we have been making out payments of XXXX ( the new amount after the SPC ) We are currently attempting to refinance said FHA product and enter into a conventional mortgage vehicle. We were contacted by our mortgage broker that our credit reports have the mortgage as " Under Loan Modification other than government program '' which has propted several of our CC isuers to lower creditlimits and increase interest rates. We contacted Amerihome on XXXX and have yet to have this corrected being told ... '' they are all reported this way ''. That being said when we recieved the payoff letters we were startled to see that the mortgage requies a payoff satsifaction amount of {$380000.00} and the stand alone partial claim has a payoff of the aforementioned {$37000.00}. This total is {$29000.00} more than the original loan amount. When I reached out to Amerihome on XX/XX/XXXX I was promptly given the runaround and over the course of a dozen calls with 9 hang ups and a 3.5 hour hold which I gave up on. No one could explain where this additional XXXX comes from or where we agreed to pay said amount when entering/exiting forbearance. I was supplied with a payment breakdown for the XX/XX/XXXX payments which brought us current but no answer as to how this additional sum has come into existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: NC

Complaint narrative:
During XXXX and XX/XX/2019 showing on XXXX card as being late. Contacted XXXX XXXX where card was sold to in XX/XX/2019 and was informed I needed to contact XXXX XXXX. When I reached out to them they informed me they no longer service the card.

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 2021-08-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I called to Walmart Capital one Card and they are not seeing any lates on my account. Somehow, the are showing that I had an {$8.00} balance that is reporting 30 days late for XX/XX/2021. I was never late. I am on auto pay. This should never have hit my credit and capital one doesn't show me anything was late. I spoke to XXXX and they are confused by all of this. This dropped my credit 40 points and I am trying to purchase a home!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-17 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: OH

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.

Complaint narrative:
Hello, I'm sure you have dealt with this complaint before, so I'll simply say it's an issue with Coinbase 's " account under review '' issue.

To elaborate, I was requested by the centralized cryptocurrency exchange known as " Coinbase '', a publically traded company in the US to provide some simple information about myself in an effort to collect data about their users. I'm assuming this is a KYC request. The request was fairly simple and involved asking me what I made, how I was employed, and what I would be using the platform for. Despite the fact that this request was voluntary, Coinbase has kept my account " under review '' for a substantial amount of time. Their message says the review should take approximately 2 days, but it has since been just under one month. Had I not submitted to this voluntary review, I was able to continue using the platform unrestricted until XX/XX/XXXX. 

I have approximately $ XXXXUSD in the account ( depending on how the Crypto winds blow of course ) and that amount was added over a few months. I have created several " tickets '' with the company which were mostly all closed with no explanation on why things were taking so long. 

To be clear, if there's something that needs to be done that is reasonable, that's fine, but there has been no contact whatsoever on the company 's part, and from what I've read online, many people have had this issue for months/years (? ). For this reason, I can only assume that my money is deemed " stolen '' by the company, even if that is not truely the intent of the company. 

I can provide more information upon request, but the form requests that I do not provide personal information. I would request to have CFPB reach out to Coinbase to resolve the issue with the account associated with ticket XXXX. I am not seeking compensation beyond what I have given Coinbase, nor am I explicitly looking to never use this company again for financial services. I hope for a simple resolution to this confusing situation. 

Thank you for reading, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-17 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2019, American Express pulled my credit without my permission. American Express did not have a permissible purpose to access my XXXX  credit report. 

American Express claims to not have pulled my credit report any time in XX/XX/2019. I have attached a copy of my XXXX  credit report reflecting the hard inquiry from American Express on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Fifth third bank/ MB financial I have two motorcycle loans. they are paid off in XX/XX/2021. Received letter of forced insurance applied and demanding {$8000.00} additional. I called their call center number. They could not resolve. ( Off-Shore call center ). Went to a local bank and provided insurance for the term of the loan. They accepted and realized I also overpaid on the loan by 1 month. The Bank officer said he would take care and resolve. 
Today it is 4 months ... After numerous calls and promises they still are " Working on it '' they notified the credit agency and as a result lowered my score. 
The call center still calling demanding money. They will not address the overpayment. One department does not talk to the other dept. I have a Bank officer out on vacation. VP at the bank will not return any of my calls or emails. I see this as a bad faith issue where they hope I just pay and go away. 

The fifth third bank bought MB financial. This is an internal mess and they are having problems with their accounting systems and culture of being respectful to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: PA

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON ACCOUNTS THAT DONT BELONG TO ME, A CHAPTER XXXX FILING I DID NOT AUTHORIZE AND ACCOUNTS THAT SAY INCLUDED IN CHAPTER .A LETTER OF EXPLANATION IS ENCLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Utah System of Higher Education
State: DE

Complaint narrative:
I owe uheaa {$1100.00} Im on a Disbursement plan while Im collecting interest. When Im being told by legislators that a bill was sign to help with student loans. I was terminated from my job from getting injured on my job making me temporarily XXXX. My account number-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: CA

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON LATE PAYMENTS THAT ARE NOT TRUE. A LETTER OF EXPLANATION IS ENCLOSED.

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 2021-08-17 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: CA

Complaint narrative:
I have attempted to dispute the erroneous accounts with the credit bureaus, Equifax, XXXX, and XXXX but the credit bureaus have refused to respod. I have sent numerous attempts sent certified mail and the credit bureaus lack of response is a violation of the Fair Credit Reporting Act. I have attached the most recent letters as well as provided the certified mail receipt numbers to prove the credit bureaus have received the dispute letters. 

Certified Mail Receipt Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was charged from the XXXX XXXX FL on my Bank of America credit card from XX/XX/XXXX, including monthly charge while I was out of country till I came back on XX/XX/XXXX, total amount of {$410.00}. After I came back to the States, saw my bank statement, immediately I reported to BofA this fraud charges and changed my cc number. But BofA denial my dispute for unfair reason " while you personally didn't make the charge, we confirmed it was made by an authorized user on the account or someone who has permission to use the card. '' I asked BofA many times to send me proves but so far, no respond. 

I believe this is cyber fraud charges : First, I have never authorized XXXX to charge on my CC. 2nd there is no other authorized user on this cc card. 3rd no one has any permission to use this card. I tried to call the XXXX, 1st time they asked my name and the last four digits of my card, they couldn't find any of my information. 2nd time I called again, too weird that they had my name and the last four digits of my card number, but they don't have my email info, asked me write to their customer support. But the XXXX customer support replied : '' I need to dispute must have my financial insinuation call our Billing Dept. If you are requesting a file a dispute, we must have you and them on the line to discuss the account. '' but my CC co refused to do so. I even faxed over all the documents to BofA CC dept. proved that I was out of country in XXXX for over a year, never see my CC statements, didn't realized there were fraud charges on my card. BofA CC fraud department knows I was out of country, even stopped my CC, but after I called in few times to verified, the representatives never verified nor told me there were charges from the XXXX, and still allow charges went through on my CC every month. BofA CC should be responsible for this fraud charge and refund me total of {$410.00}, if BofA changed my CC number after they put stop on my cc for my protection, this fraud charges can be avoiding long ago. 

I tried to reach BofA manager or anyone I can file compliant, but no one is helping so far. The BofA should take seriously pay closely attention to protect customer who are oversea instead of just giving perfunctory reasons, doing nothing to protect customer who is using BofA card for over 20 years.

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 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation