vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-23 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: Navient Solutions, LLC.
State: MT

Complaint narrative:
I graduated from XXXX  XXXX in XXXX. XXXX of my XXXX student loans was assigned to Navient, and the rest to a different organization. I attended graduate school at the XXXX XXXX XXXX  from XXXX to XXXX. Apparently, in XXXX of XXXX Navient attempted to start collecting on my XXXX student loan. However, they never informed us of such. The only method Navient used to attempt to reach me was, according to them, through my XXXX  XXXX email that I have not used since XXXX. In fact I do not believe I even have access to that email anymore. Navient did not send any bills to my permanent address, which has been my permanent address since XXXX, nor did they use any other method to reach us. In XX/XX/XXXX I attempted to refinance my student loans with XXXX. I've had good credit my entire life. My loan was denied. The reason for my loan was because apparently Navient put a massive hit out on my credit when we had no notification of bills being due. We moved quickly to address this, challenging the hit on my credit with all 3 reporting agencies. However, it is now the end of XX/XX/XXXX and I was just denied refinancing again because of Navient. Navient has updated the report to indicate that we have paid back what is owed and up to date on payments, but they are refusing to remove the hit on my credit report with XXXX  stemming from 4 months of bills that we never received XX/XX/XXXX through XX/XX/XXXX. When I spoke with XXXX  for an hour on the phone they opened another challenge to this hit on my credit, but indicated that the only factors they will consider are whether or not the payments were late, which they were which leaves the decision to remove the damage to my credit entirely up to Navient which has thus far refused to undo the damage they caused, or to file a fraud report with the police or the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: OH

Complaint narrative:
There are 20 hard inquiries showing in my report an I want them removed they are violating my consumer rights. 15 usc 1692k and 15 usc 1605

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
Shortly after opening a Coinbase account ( approx. XX/XX/2021 ), depositing money in the account and purchasing Bitcoin through the account, I was locked out of my Cointbase account. When the account was set up, I needed to furnish a copy of my drivers license to verify my identity. Now, to access my account, I am required to supply an image using a webcam, to which I do NOT have access. A cell phone camera is not an option. 

I have repeatedly explained to Coinbase that I do not have access to a webcam. Nonetheless, Coinbase continues to require webcam access to enable me to access my account ( and MY money ). 

This has been going on for several months. Finally, I advised Coinbase to close the account -- sell the Bitcoin and send the money back to my account from which my Coinbae account was funded ( information that they presumably still have ). They refuse to do so. 

While this has been going on, the value of my account has diminished due to the reduction in value of Bitcoin. Coinbase has my money and will not give me access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The attached exhibits clearly display each violation of federal law per the FDCPA against my consumer rights that XXXX  XXXX XXXX has committed and if I did not send a cease-and-desist letter on XX/XX/2021, XXXX XXXX XXXX would have continued to violate my consumer rights in regard to an alleged debt. I am the original creditor of this consumer credit transaction and am the only one who could validate this alleged debt. This alleged debt is not a loan and I am not a borrower instead my social security number assigned to me as a natural person was used for fed loan services to have a line of credit extended to the corporation. XXXX  XXXX is the debtor/borrower for the referenced accounts mentioned in the attached exhibits. XXXX XXXX XXXX also has been sharing my information with 3rd parties that were not involved at all with the initial consumer credit transaction which also violates federal law. XXXX  XXXX XXXX has caused much pain and hardship for me and my family as consumers and they must be stopped before XXXX  XXXX XXXX continues to violate other natural persons consumer rights. The referenced XXXX XXXX XXXX account # : XXXX should be deleted from all 3 of my credit reports ( Equifax, XXXX, XXXX  ) and monetary damages detailed in the attached Bill of Particulars should be paid within 30 days of receipt of this demand letter. I hereby state that the information above is true, to the best of my knowledge. I also confirm that the information here is both accurate and complete, and relevant information has not been omitted. If this demand for violating my rights through perjury of law is not acknowledged and rectified upon receipt or within 30 days, I will proceed to file required legal documents along with my legal counsel to pursue this matter within the state/county court that I reside in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: TX

Complaint narrative:
I have sent all 3 credit reporting agencies ( XXXX, Equifax, and XXXX  ) letters notifying them that I'm a victim of identity theft. Neither company has removed any of the accounts from my Consumer report I've Sent in all documents pertaining to the case including a police report. I want all accounts removed from my Consumer report immediately. I have attached all documents below.

Also, XXXX, Equifax, and XXXX  are in violation of the FCRA.

15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Grant & Weber
State: VA

Complaint narrative:
I was hospitalized in a XXXX  XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. My bill was {$1400.00}. I began paying this and made arrangements with them to pay $ XXXX month out of my XXXX check. I made two payments, one in XX/XX/XXXX and one in XX/XX/XXXX ( check photos attached ). 

They sold this debt, despite our agreement and my payments, to Grant & Weber debt collectors in Nevada.

I have also made several payments to Grant & Weber, including over half the original debt, using my stimulus moneys. Nevertheless, they send me an aggressive, untrue statement ( attached ) and had refused ( as of XX/XX/XXXX ) to make note of my telephone agreement with XXXX XXXX to pay said $ XXXX, including threatening to report me to credit bureaus even today ( XX/XX/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 2021-07-23 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: FL

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: CREDIT ACCEPTANCE CORPORATION
State: UT

Complaint narrative:
Credit Acceptance is reporting late notations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Due to Covid, I got really slow at work. I work XXXX XXXX and work just came to a stand still for a little for me and it was hard to make my payments on time. I did not mean to be late and paid the account as soon as I could. I ask that Credit Acceptance please make a one time goodwill adjustment and remove the late payments. I was never late prior to this and have been in good standings since.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion LLC Consumer Dispute Center violated 15 USC 1692c ( b ). Under 15 USC 1692 - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

This law states that a debt collector isnt allowed to communicate with any person other than the consumer and his attorney without the prior consent of the consumer given directly to a debt collector, or the express permission of a court of competent jurisdiction and the court doesnt disclose information with the bureaus. Also, me or my attorney never gave TransUnion LLC Consumer Dispute Center any permission to communicate with anyone regarding my personal information. This is identity theft. Also, I am the original consumer so only I can give prior consent to a debt collector. How am I the original consumer? I was loaned my own money from my social security card. Want proof? The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.

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 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  or Equifax are refusing to respond to my 3 previous dispute letters. I have sent them evidence and proof of all issues and they so not respond or update my report to reflect the accurate information. I have requested my updated and corrected credit report and they do not compliy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
DUE to Covid-19 and for NO other reason, I got behind on all of my mortgage. I am in California and our wonderful Governor made an annoucement to allow renters not to pay their rent. My income is from XXXX  at two schools, college students who XXXX XXXX from me and my XXXX  income. 

With the above said, I was hit hard. The schools I was XXXX at closed, my XXXX moved home and my XXXX stopped paying XXXX. 

With my XXXX properties, the lenders have worked with me very well and I received payment plans. These lenders put the back money owed on the back of the loans and payments will be startingin XXXX. This was done with a simple telephone conversation and very easy. 

With SPServicing, unfortunitely, I have the home I live in and an additonal XXXX  property. 

Spservicing has a website one has to use to apply for help. The website in the past has, kicked me out, not saved my information and their " required '' information takes hours to fill out. Keeping in mind this is the home I live in and purchased in the late 1980 's. I owe them around {$220000.00} on a home worth over {$850000.00}. I have spent hours on the phone with their customer " service '' people and one time I was on the call for over 4 hours, spending an additional 3.5 hours filling out the form, then was kicked off with non of the information saved!

It is odd to me, that the other two lenders could give me the covid-19 help with a simple phone call and Zero paperwork, zero hasle, zero computer time. Yet, the home I live in seems to be impossible. In fact, I just got off the phone with SPServicing and was directed again to their website. This time however when I got kicked off it magically saved my information. Also, the gal I spoke to today said nothing shows as submitted when i have submitted several times. All I want is what the other serviceswere able to give me, which allows me to keep my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Try to open account and I cant due to fraud .someone been trying to

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Loanatik, L.L.C.
State: AZ

Complaint narrative:
Misleading and Deceptive Advertising. 
Ad has appeared many times in my XXXX XXXX XXXX as recently as XX/XX/2021. 
Ad says No Origination Fee No Appraisal Fee No Counseling Fee Let Me Show you How XXXX XXXX XXXX XXXX NMLS # XXXX Loanatik # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: MO

Complaint narrative:
BBVA USA XXXX PNC Checking account migrated from Simple. I was charged NSF fees, despite having been told the only fees that would apply to the account after migration would be paper statement fees, which I avoided by moving to paperless. I was charged these fees beginning XX/XX/XXXX. If notice was provided about these fees, it was deliberately obtuse, and I have no recollection of such notice. They have since been charging fees- even after I blocked my debit card and demanded that they close the account. I demanded account closure on XX/XX/XXXX by phone, and have been charged five NSF fees since, totaling {$160.00}. They received a letter via certified mail on XX/XX/XXXX demanding that they close all of my accounts, and I have received no response, and my accounts remain open. I have used their support message system at least twice to demand refund of these fees and the closure of my account. The only response I have received is a standard demand for funding the account before closure, in addition to threatening more fees. I need this account closed immediately, and they seem intent on ignoring my demands and charging me as many fees as they can get away with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR

Complaint narrative:
On XX/XX/2021 I received a call from Penny Mac Loan Services in Arizona. With a lot of pressure from the salesman, XXXX XXXX, I agreed to apply with the condition that the application could be cancelled at any time. He told me the loan would be at 3.1 % interest rate. He told me that I needed to give them {$650.00} for an appraisal with a credit card over the phone. I did over the phone. He also had me apply by way of computer. When on the phone I did check the Nationwide Multistate Licensing System/Nationwide Mortgage Licensing System and Registry. He was listed. After a couple of hours and checking some reviews I became alarmed and decided to E Mail my cancellation and withdrawal of my application. They refuse to cancel my application and refund my {$650.00}. I contacted the appraiser they had hired and cancelled the appraisal. The appraiser assured me that they had not and would not charge any thing as I had cancelled their visit. XXXX XXXX, XXXX XXXX 's supervisor at Penny Mac said they would credit my card {$650.00} by end of business XX/XX/XXXX, he has not. I want {$650.00} credited to my credit card immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
i was told my account was being closed on XX/XX/2021 and a check was being mail to my home for the amount that was in the account. i want the tracking number for the check because that it a large amount just to be sending out

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ACIMA CREDIT, LLC
State: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XXXX of 2021 I contacted Wells Fargo as I was on payment suspension due to covid. I explained that I would like to restart making payments and apply for the FHA no interest to be added to the end of my loan. I was informed that the amount I owed was more than the FHA was willing to do ( around XXXX ). I was told that if I made a payment of aprox. {$4000.00}, I would be under that threshold and I would be able to do the FHA loan. I made the payment and called back to Wells Fargo to start the FHA loan process. I was told that it was being processed and I would hear from someone soon about how the process would work ( paperwork, etc ). Today, I received a loan modification via XXXX with a whole new 30 year note? This is NOT what I asked for, was ever told that I was getting, nor is something that I would EVER agree to. Every time I call them it's as if they have no clue what they are doing. At this point I just feel that they are trying to take advantage of the situation to benefit themselves. If I had not read this agreement closely I could have started a whole new 30 year loan after I've already been paying for over 21 years. All I'm trying to is make things right with Wells Fargo and they have made it extremely difficult to do. I do not believe Wells Fargo is following the CARES ACT and are looking for opportunities to take advantage of it's 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