vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Abbott Osborn Jacobs PLC
State: IA

Complaint narrative:
The lawfirm of Kevin Abbott brought a small claim suit against me for a private loan signed off in XXXX, this was brought against me in XX/XX/XXXX - 17 years after the loan had been disbursed. The only proof of this debt that was provided was the original signed loan document XX/XX/XXXX. They created a situation that I couldn't defend - I had no way to prove or disprove something that was 19 years old. They obtained a judgement against me on this time-barred debt. And now I am fearful they can collect on something that I may have already paid or has been written off and that I have no way to defend because of it's age.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have submitted a notarized affidavit letting these companies know these accounts opened online are fraudulent and not authorized! I was provided all amounts and account information from credit bureaus! 

Navy Federal FCU {$8900.00} XXXX XXXX XXXX NAVY FEDERAL CU {$8600.00} XX/XX/2019 XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX 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 2021-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I returned my XXXX XXXX XXXX to my original car dealer ( XXXX XXXX XXXX XXXX XXXX ) due to a lemon law issue. XXXX XXXX XXXX received a payoff from Citizens One Bank, which was good until XX/XX/XXXX. On XX/XX/XXXX I was called by Citizens One bank in an attempt to collect a debt for the outstanding balance. I contacted ford via email ( attached ) and explained that Citizens one claimed that they had not received a check. XXXX provided both me and citizens one bank with the note from the delivery service that the check had been sent and signed for by citizens one bank. 
At this time the balance was just over {$250.00} and I offered to pay it with a debit card and have them refund it once they found the check from XXXX. This was an effort to ensure that I was not reported late with the credit bureaus. I was informed that I could not do that and told that I was not going to be reported late. 
Several emails and over 40 hours of phone calls later I was again told that I will not be reported late as the payment was received, the title was released to XXXX and that I no longer was responsible for any payments for that loan. 
In XXXX I applied to increase my limit on my credit report, which was denied because of a current late payment to Citizens One. I immediately called to try to mitigate the issue and was told that they did not report me late. At the time, my family was in the process of fixing some issues on our home and I needed the extension of my credit limit to fix these issues to put our house on the market for sale. I then called my Mortgage lender who told me that I would not qualify for a loan with any open accounts. We were not able to put our home on the market because of this error. 
I have been calling Citizens one bank for 2 months to come to a resolution. I was just told that the negative information was removed, but not before citizens one bank called my work, ruined my credit ( albeit short term ) and destroyed my families dream to move. I have suffered mental anguish, financial hardship, countless hours trying to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
Good afternoon, I created my Coinbase account back in XXXX and deposited about {$5000.00} dollars in it and used it to purchase Bitcoin. When I tried to get back into my account early XXXX I was unable to and made to change my pass code. When I logged back into my account the {$5000.00} of bitcoin that would now be evaluated at > {$20000.00} was gone. This leads me to believe Coinbase locked me out of my old account and created me a new one with {$0.00} dollars in it. I have emailed Coinbase multiple times and contacted their customer service people who are completely unresponsive. Unfortunately many people who I have spoken to about this have ran into similar issues and told me the only way to resolve these types of issues it to go through these types of channels as Coinbase will ignore issues like this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
My Name is XXXX XXXX I have a mortgage loan with Lakeview Loan Servicing. My loan # isXXXX. I live at XXXX XXXX XXXX, XXXX, TX XXXX. I made a one time payment of {$1400.00} that was charged to my bank account on the XXXX of XXXX. Then an auto draft payment was charged to my bank account for the amount of {$1400.00} XX/XX/XXXX. I never setup Autodraft and I did not authorize this payment. I called customer support and the agent # XXXX said my account was somehow setup for Autodraft but she didn't see when I requested to have it setup. Because I never setup Autodraft. The agent told me I needed to write Lakeview Loan Servicing and ask for a refund. I wrote them on XX/XX/XXXX at XXXX. I also got charged a fee for having insufficient funds by Lakeview Loan Servicing. Who has money to make two mortgage payments a month? Not me and now my car payment is going to be able to go through because I don't have any money in my bank account thanks to Lakeview Loan Servicing. I have yet to hear back from Lakeview Loan Servicing and my bank account has been overdrafted for 2 days now. I would really like a refund and for them to remove the {$34.00} fee for insufficient funds. They robbed me and I can't get a hold of them. Please help. 

Thank you, XXXX XXXX XXXX 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 2021-01-07 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: GA

Complaint narrative:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

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 2021-01-07 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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5XX/XX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XX/XX/XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on 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 2021-01-07 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: SC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2021-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: GA

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX HELVEY & ASSOCIATES IN XXXX To Whom It May Concern, XXXX XXXX XXXX Director of Compliance and Corporate Training Helvey & Associates ( PLEASE RESPOND VIA CFPB AS THE ADDRESS YOU CLAIM IS NOT MY ADDRESS, SINCE I AM A VICTIM OF IDENTITY THEFT LIKE I TOLD YOU IN MY LAST CFPB : XXXX ) Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its reportin Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XX/XX/XXXX AND XX/XX/XXXX has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question **Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible. A BILL WITH NAME AND FRAUDULENT ADDRESS IS NOT SUFFICIENT. 

Thank you. 
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA 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 2021-01-07 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: VA

Complaint narrative:
I purchased a brand new XXXX phone XXXX of last year. I used XXXX financing through XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) to purchase the phone. I did not like the phone so I returned it through XXXX during the manufacturers allotted window. XXXX was late in crediting the account and as a result I was incorrectly assessed late fees. I was sent a letter from collections at XXXX stating I owed money. I was told by XXXX that everything was taken care once I submitted my phone back and they credited the account. After talking to XX/XX/XXXX collections about the situation they told me I had to file a dispute withXX/XX/XXXX customer service, a different office. I filed a dispute in early XXXX. XX/XX/XXXX has reversed the charges because they have sided with me but my credit score was dropped more than 70 points for the unpaid late fees. I called customer service and they told me to file a dispute with the credit agencies and they couldn't fix it despite them reversing the charges. I was incorrectly assessed late fees and then my credit report was hit with unpaid charges after XXXX credited the full amount back toXX/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 2021-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
After Wells Fargo approved our Covid forbearance as my husband only worked 2 weeks a month, I applied for assistance and I was just informed we no longer qualify for a modification and need to foreclose or do a short sale. We have no where to go. Family of XXXX with a XXXX year old. They are giving me 14 days to decide on a short sale. I just received the letter today, XX/XX/XXXX on a letter written XXXX XXXX which leaves me 7 days to decide. I have been XXXX since XXXX  due to a work accident so it hasnt been easy for us.

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 2021-01-07 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: Monterey Financial Services LLC
State: PA

Complaint narrative:
There is a collection on my credit report from Monterey Collections from a debt owed to XXXX. I disputed the debt with the credit bureaus and it came back as verified. I contacted Montery to get this fixed, they said I owed XXXX. I told them I did not know of this company or debt. They said from a lease XXXX XXXX, I have never leased a TV and do not know of a XXXX  XXXX. I asked for a copy of the original documents and purchase but they have not produced it or removed the debt. According to the Fair Debt Collections Act they must provide information to substantiate their claim and have been unable to do so. I'd like this entry removed from all credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XX/XX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on 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 2021-01-07 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6.XX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: UT

Complaint narrative:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.

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 2021-01-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
For some reasons, my mortgage was transferred from XXXX XXXX to Shellpoint Mortgage Servicing on XX/XX/2020. My bank account was charged that month by both companies ( XXXX XXXX and Shellpoint Mortgage Servicing ) as they couldn't manage to properly cary over the automatic paiement settings that was in place. That created lots of confusions around the status on my paiements and Shellpoint Mortgage Servicing opened an investigation that is still pending. 
While we are all waiting on the result of that investigation, they keep reporting a debt on my account which hurt my credit very badly, affecting my family and my business reputation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
Account has been paid off and account status says Paid however payment status says Collection/Chargeoff

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 2021-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
In XXXX I applied for deferred payments with my lender ( Chase ) for COVID relief and was approved. So, no automatic payment occurred in XXXX. In XXXX, I determined that I did not need the relief deferrals, so I paid two months ' worth ( XXXX and XXXX ), and somehow in the process, the XXXX automatic draft was skipped. 
Chase charged me late fees of {$140.00} per month for XXXX through XXXX before I realized that I was behind on a payment. I immediately contacted them. 
I said that it didn't seem fair that I was not notified in any way of the ongoing late fees. It's true that I have signed up for electronic statements, but they're not emailed to me. It's up to me to review the website frequently in order to ensure everything is getting paid on time. I told them that some proactive notification would have been the right thing to do. 
They would only waive one of the fees, so 4 more of them remained. I paid them today to avoid any additional fees.

Company response to consumer: Closed with monetary relief