vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-06 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: GA

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: WA

Complaint narrative:
I received a pre-screened offer from Big Picture Loans, a tribally owned loan company ; XXXX. I applied online but got to the terms and was confused as I had never seen terms explained in the wording they used. 

" Loan amount : {$750.00} Loan rate : 550 % Term : 6 months. '' They did not state APR, so I called to see what " loan term '' meant before I pressed continue. I was told that 550 % IS the APR! I was absolutely appalled. XXXX told me on the phone, a loan of {$750.00} at {$160.00} for 13 payments. That equals {$2100.00}! For {$750.00}!? I have never heard of an apr higher than 29.9 % for people with horrible credit. Now I understand that they are their own government and the regulations do not apply to them, but this is robbery. Something needs to be done about the way they are conducting business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I opened an account with Gemini trading app and bought a digital currency trough their app. They even took the money out of my bank account. And after taking the money out of my bank account, they just desactivated my account for no reason. I emailed them several times but no answer and I cant widraw my money either. I have {$1000.00} in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: TN

Complaint narrative:
not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Glass Mountain Capital, LLC
State: VA

Complaint narrative:
On XX/XX/2021 I received an uninvited and unauthorized call from XXXX XXXX of glass mountain capital LLC, who asked for me by name once I reapplied i was indeed XXXX XXXX, He stated that he was a debt collector and he was attempting to collect a debt for his client SECURITY XXXX XXXX XXXX, Mr.XXXX continued by stating that he was calling regarding a account that I'm unware of, I asked Mr.XXXX repeatedly how did he receive my name, address and personal information, Mr.XXXX started to became very frustrated and rude with me with the questions I was asking about MY personal information. Mr.XXXX  wasn't answering any of my questions and hanged up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My wife was the primary card holder and I was an authorized user. My wife has passed away and XXXX and XXXX banks are refusing to remove me as authorized user and reporting a deliquesce on my credit report even when I'm not responsible for these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
My wife was the primary card holder and I was an authorized user. My wife has passed away and XXXX and TD banks are refusing to remove me as authorized user and reporting a deliquesce on my credit report even when I'm not responsible for these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
I have a loan that was purchased by loan depot. A temporary construction loan meant to be refinanced as soon as the house was built. Loan Depot has been the worst lender I have ever dealt with. I went into forbearance in XXXX of XXXX when I lost my job due to the COVID-19 pandemic. I changed careers and got back to work and tried to get into a loan modification in XXXX of XXXX. Loan Depot took 4 months to give terms of the modification and the terms are completely unacceptable. They left the interest rate the same ( 5.5 % - even though prime is closer to 3 % ), they did not remove PMI ( even though there is $ XXXX in equity in the house ), and they actually INCREASED the monthly payment rather than reduce it. I called and countered with better terms and they said take it or leave it. 

THEY THREATENED MY CREDIT SCORE IF I DID NOT ACCEPT THEIR OFFER! 

$ XXXX is too much and I can not afford that. 5.5 % interest is USERY! They will not work with me at all. Loan Depot is the WORST lender I have ever worked with. I need help. Can anyone help me? 

Loan Depot also took 4 months to give me the terms of the modification, but counted that time towards my total forbearance time. So, I can not even get that 4 months back or added to my forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
We made a first payment on XX/XX/2020 to our loan servicer which is Shellpoint Mortgage per the loan transfer document we received after our refinance. That payment was never applied and we have contacted them no less than six times in the last 60 days asking for the payment to be applied. We have sent all of the required documentation showing proof of payment to include bank statements and electronic proof of payment from our bank. They are barely responding to us and are not solving the problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I had over XXXX miles on my balance when I purchased airline tickets totaling over {$930.00}. I was planning to close the account after the purchase. After I bought the tickets and before I closed the account, I called the rewards dept specifically to check that I'd followed the proper procedure not having claimed rewards before. They confirmed the purchase and that it all looked fine. I then made another call and closed the account later that day. 

Upon receiving my final statement a couple weeks later, I was surprised to not see any awards applied. After a couple more phone calls, the situation was escalated.I was awarded half of the XXXX miles as a courtesy and their justification was that the charges were still pending when I closed the account. I further fought the issue informing them that I had made the extra calls to their rewards dept over this very issue before I closed the account. I received a follow up email stating they could not issue the balance because my purchase was only {$120.00}, a number not reflected in any charges and clearly a mistake on their part. 

After bringing this to their attention again, company now says they are unable to do what the email clearly shows they could have done if the amount of purchase had been higher. 

I have records of the phone calls and copy of the statement. They are denying me the remaining balance of rewards on a technicality of having closed it while the charges were pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: SC

Complaint narrative:
I completed a Police report on XX/XX/2021. Sent a letter certified mail to AFNI XX/XX/2021 and XX/XX/2021 for validation of the debt and got no response. active fraud alert is on file with all 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
We sold the rental property at the end of XX/XX/XXXX. We then went out of town for XXXX and I forgot that I had an auto bill payment coming out of my bank account to pay the mortgage on XXXX, XXXX. {$1800.00} was sent to Mr. Cooper. Once I realized what had happened I assumed they would send the funds back, understanding that this might take a bit. However by XX/XX/XXXX the funds had not been returned so I called them to find out why. I spoke with XXXX in customer service who explained that since we had another loan with them, on our primary residence, they had automatically applied the funds there. I explained that 1st they should not have automatically done that prior to asking our permission since loan numbers were always provided and 2nd this was commingling funds since one is a rental and the other our primary. She asked me to send her a copy of a voided check to get routing number and account number to return the funds to us. She stated that I would likely see something within the week. She called my husband a couple days later and stated that the funds might be less since they had applied it to the other loan and they would need to take out interest. 
When nothing happened by XX/XX/XXXX I reached back out. This time I spoke with XXXX in customer service who forwarded me to escalations. I was connected with XXXX XXXX in the escalations department who stated she would handle it and again asked me to forward a voided check which I did. She sent an email to me on XX/XX/XXXX stating, : Good afternoon, I apologize for the delay, I did submit the request for the refund again, today. 
It should be in your bank account in XXXX days. 
Please email me around the XXXX if it is not. 
I apologize again for the delay. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX I followed up with her via email on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all well after the 10 days she promised the XXXX would be returned. 
I then reached out again to Mr. Cooper on XX/XX/XXXX and asked again for escalations. 
I got XXXX XXXX who again stated she would be my single point of contact. I called her back on the XXXX of XXXX, XXXX and have had not response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I still have not been provided any signed contract I have with XXXX XXXX, whether the original creditor is correct or not. So therefore the collection account is null and void. Until I am supplied a signed contract with XXXX XXXX with my wet signature I will simply keep disputing this. Under the FCRA you have to provide substantial evidence that this is indeed mine, which providing information from the original creditor doesnt substantiate that i have a signed contract with 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 2021-05-06 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have an loan with COMENITY BANK/XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called COMENITY BANK/XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX, and COMENITY BANK/XXXX  with no successful resolution. XXXX XXXX and XXXX  reporting me having late payments. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: VA

Complaint narrative:
I contacted Equifax on XX/XX/XXXX, about unauthorized inquiries. I reviewed a copy of my credit report and the following companies ran an unauthorized credit inquiry on me on : XXXXXXXX  ran on XX/XX/XXXX XXXX ran on XX/XX/XXXX XXXX XXXX ran on XX/XX/XXXX XXXX XXXX  XXXX XXXX ran on XX/XX/XXXX I contacted XXXX  on XX/XX/XXXX, about unauthorized inquiries. I reviewed a copy of my credit report and the following companies ran an unauthorized credit inquiry on me on : XXXX XXXX XXXX ran on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ran on XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/21, I received an alert from XXXX XXXX stating that my credit score changed. I looked at the score for XXXX and it went down XXXX points ( XXXX to XXXX XXXX. Transunion 's credit score went down XXXX points ( XXXX to XXXX XXXX. I was blown back from what I saw. 

I called Transunion and talked to several people. Everyone had the same script. They can not do anything about it. They did not know what my score was earlier in the week. They do not track that info. 

The associates and their supervisors said that my lack of open accounts possibly dropped my score down that much or the inquiry from XXXX XXXX ( in process of purchasing a home ). That made no sense. Am I being dinged for being debt free XXXX absurd )? I asked why this magnitude of a drop is not happening at the other bureaus. They would not answer outside of that is the way their system works. 

As I stated before, my wife and I are in the process of purchasing a new home and my score does not look good in the eyes of the lender. I need my score to get back to where it was.

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 2021-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
I paid my car off on XX/XX/2021 which was financed by Santander. I have made repeated requests for the title for the last 5 months and they simply refuse to release the title to me. This has caused me extreme financial distress as I have been needing to sell the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/2021, I received notice from Ally Bank stating that they are closing out my account due to a business decision under the terms of service on or about XX/XX/2021. As of this date, {$4500.00} was retained within the account. Ally Bank has already issued one check in the amount of {$590.00} on XX/XX/2021, but the remaining {$3900.00} is still being held within the account for no other reason.

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 2021-05-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Coinbase, Inc.
State: GA

Complaint narrative:
XXXX # XXXX - I trying to update my email address to a new email My account was deactivated Tuesday XX/XX/2021 at XXXX XXXX Coinbase support hasn't been too helpful. I get the message Sorry, account temporarily disabled. Please contact support. I've been without access to my account and funds since Tuesday XX/XX/2021. I have provided an e-mail below is the last message I received from Coinbase. 

From : Coinbase Support <help@coinbase.com> Date : Tue, XX/XX/2021 at XXXX XXXX  Subject : [ Reply ] Case # XXXX - I trying to update my email address to a new email To : XXXX XXXX Hello XXXX, We received your inquiry, and because you've previously written in about this same issue, we're consolidating your cases into this email thread. We've passed all new information on to an account specialist who is reviewing your case they'll reach out to you here ( review generally takes 4-5 business days ). 

All future questions about this issue should be directed to this email thread so that our account specialist can better support you. 

Thanks, Coinbase Support ref : XXXX : ref

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2021 filed claim for unauthorized atm transaction {$800.00} filed a claim with Bank of America edd card svc my card and account was closed and no refund of money yet was to 60 days it has been 5 months no credit but card was re activated. Claim # 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 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I still have not been provided any signed contract I have with XXXX XXXX, whether the original creditor is correct or not. So therefore the collection account is null and void. Until I am supplied a signed contract with XXXX XXXX with my wet signature I will simply keep disputing this. Under the FCRA you have to provide substantial evidence that this is indeed mine, which providing information from the original creditor doesnt substantiate that i have a signed contract with 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 2021-05-06 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: IA

Complaint narrative:
I still have not been provided any signed contract I have with XXXX XXXX, whether the original creditor is correct or not. So therefore the collection account is null and void. Until I am supplied a signed contract with XXXX XXXX with my wet signature I will simply keep disputing this. Under the FCRA you have to provide substantial evidence that this is indeed mine, which providing information from the original creditor doesnt substantiate that i have a signed contract with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have sent multiple disputes to TransUnion to remove the collection from XXXX  in the amount of XXXX . At first they did remove it but it popped back on my report 2 weeks later. This collection is not mine, it is not verifiable, and it needs to be deleted ASAP.

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 2021-05-06 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: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am receiving medical bills for a extensive medical procedures in 2020 that I did not have. I did not have any medical services in 2020. As for Regions Bank Mortgage. Refinance at the lowest available rate. Ive never been able to get that. XX/XX/XXXX home Equity loan valid For 5 years at the lowest available fixed rate. Allow other black people to get home equity loans at the lowest fixed rate.

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