vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Trans union refuse to validate student loan debt on consumers report, XXXX has finally followed the law, but Trans Union, ontinuously put information on my report that is not XXXX XXXX  accurate/valid.XXXX  in particularly, Ive disputed the allegations, charges occured in XXXX i was under the legal age XXXX to consent to any open credit. XXXX can not or has not provided the proper documentation to collect iff of me ; they used false information claiming I owe them, using my identity to collect interest payments or some sort ; i gave never made a payment to this company, false information ; provide evidence showing i made any payments to XXXX, XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) are required by federal law to verify through physical verification original signed consumer contract bearing, i demand to see original proof of my authentic signature agreement w/wet ink ; otherwise anyone can create a bill statement and say i owe them ; If XXXX cant not provided this the must remove XXXX account ; not following law can result in penalties and criminal charges ; negative/invalid information on my credit report ; violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of XXXX.Trans union fails to follow the consumers laws XXXX XXXX has used my identity and say I owe them, false information, false representation of character amt, false representation that one is vouched by XXXX ; XXXX has also be saying late payments on one bureau but on time on another, all information is false ; XXXX has removed the invalid information i need all bureau Trans, XXXX to follow the law

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 2022-01-24 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: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : Chapter XXXX Bankruptcy Case Number : XXXX Remove this Bankruptcy from my Public record Chapter XXXX Bankruptcy Case Number : XXXX Remove this Bankruptcy from my Public record

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I ordered a XXXX XXXX from XXXX XXXX. At ordering everything went fine. I even got a receipt. However, when tried to login to payment center, they could not find my credit card number. After numerous calls, I found out they had not only canceled the order, but had canceled my card. Their reason was I did not make a payment. How can I make a payment, when I did not get a notice to do so, nor can I login to their payment site without their finding a credit card for me? I would need to set up an account based on the credit card number - XXXX. The company is Comenity-d.Comenity.com.net.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I have already paid off what I charged on the account. One of the employees at the store added a person to my account and allowed them to charge my card. Now resulting in a unpaid huge balance as well as my credit score dropping and reflects it. I have contacted the company several times without it being resolved. I am asking it be cleared up and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
AS I DO NOT ASNWERS ANY PHONE CALLS ON MY CELL PHONE AND i HAVE THE RIGHT NOT TO. THEY STARTED TOCALL ME AT WORK AND TOLD MY COWORKER THEY WERE CALLING TO COLLECT A DEBT.. IT WAS EMBARRZED AS EVEN MY BOSS WAS HERE AT THE SAME ROOM WE WERE HAVING A MEETING AND THIS PERSON STARTED TELLING ME I HAVE A DEBT ETC.. I AM ON THE DO NOT CALL LIST AND STILL RECEIVED PLENTY PHONE CALLS. THE DEBT WAS IN 2016 HOSPITAL BUT I HAVE TRIED MY BEST AND THE LOCAL HOSPITAL ADVICE JUST TO LET IT GO. AS THEY COULDNT HELP ME NEITHER WITH THE BILL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
My mortgage servicer refuses to properly apply my payment. 

A payment was sent for {$4200.00} on XX/XX/XXXX. After speaking with one of the agents I found that it was short since my escrow was adjusted. I then sent a payment of {$200.00} on XX/XX/XXXX. Instead of applying this payment, the company returned it to me. 

On Friday ( XX/XX/XXXX ) I spoke with XXXX in customer service. I made an additional payment over the phone for {$200.00} to ensure it was not returned and applied to my account. 

Today, I checked my account and it still shows it's past due as the {$4200.00} that was paid in XXXX has not been applied to the account. I can not express how deeply frustrated I am by this company 's continued competence. 

I called again today on XX/XX/XXXX and the agent I spoke with, XXXX, said this case was too complex and he could not help me and needed to have someone call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX refuse to validate student loan debt on consumers report, XXXX has finally followed the law, but XXXX XXXX, ontinuously put information on my report that is not % 100 accurate/valid.XXXX  in particularly, Ive disputed the allegations, charges occured in XXXX i was under the legal age XXXX to consent to any open credit. XXXX can not or has not provided the proper documentation to collect iff of me ; they used false information claiming I owe them, using my identity to collect interest payments or some sort ; i gave never made a payment to this company, false information ; provide evidence showing i made any payments to XXXX, FCRA section 609 ( a ) ( 1 ) ( A ) are required by federal law to verify through physical verification original signed consumer contract bearing, i demand to see original proof of my authentic signature agreement w/wet ink ; otherwise anyone can create a bill statement and say i owe them ; If XXXX cant not provided this the must remove 18 account ; not following law can result in penalties and criminal charges ; negative/invalid information on my credit report ; violations 15 US 1692e, 15 US 1681 s-2, No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of XXXX XXXX fails to follow the consumers laws XXXX XXXX has used my identity and say I owe them, false information, false representation of character amt, false representation that one is vouched by XXXX XXXX XXXXXXXX has also be saying late payments on one bureau but on time on another, all information is false ; XXXX has removed the invalid information i need all bureau XXXX, Experian to follow the law

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 2022-01-24 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 — Card was charged for something you did not purchase with the card
Company: Coinbase, Inc.
State: NY

Complaint narrative:
My card information on my Coinbase card ( visa debt card backed by US dollars ) was clearly stolen. Starting on XX/XX/XXXX numerous transactions began on my account until the money ran out. I noticed Coinbase at least 3 separate times the first day and continue to this day. The phone system is a dead end that leads to no one in Coinbase card and I just get generic generated responses from Coinbase. Some of my case # s are XXXX XXXX XXXX XXXX opened thu messaging and calling. Transactions went from pending to finalized because I couldn't get anyone that knew what they were doing or what I should do on the phone. My email is XXXX that is how Coinbase pulls up accounts. This claim has nothing to do with cryptocurrency. Transactions XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX & XXXX and XXXX XXXX XXXX are all fraudulent dated XX/XX/XXXX starting at XXXXXXXX XXXX. The card # was XXXX XXXX XXXX XXXX which I reported stolen exp XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I received a Notice of Sale of Ownership of Home Equity Line of Credit via mail XX/XX/2021 from Specialized Loan Servicing ( date of loan XXXX Loan amount- {$40000.00} ). I informed them immediately via certified mail that this is a fraudulent loan and my signature was forged. I have requested a copy of the loan documents and never received a response. I spoke to a Customer Resolution person named XXXX, XXXX several times ( 4 ) via phone and informed him as well that I never signed for a Home Equity loan and he told me that Specialized Loan Servicing could not do anything and that I would need to file criminal charges against the person who forged my signature. XXXX stated that he would send me a copy of the forged loan documents. I called to follow up on XX/XX/XXXX and spoke with XXXX and he said the documents are in archive and is taking a while to be pulled and that he will send out within 7 to 10 business days but I had to agree to a loan modification in order to stop foreclosure and send them a check for {$6900.00}. I sent a check on XX/XX/2021 in the amount of {$6900.00} that they cashed and they never sent me the fraudulent loan documents. Now they are sending me a notice that they may pursue with foreclosure and that they offered me relief assistance which is not accurate.

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 2022-01-24 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian credit services was notified in writing that I had 2 unauthorized inquries on my credit report. XXXX XXXX Bank unauthorized XX/XX/XXXX and XXXX Bank XX/XX/XXXX. I wrote them 4 to 6 times. They refuse to remove. I called XXXX and XXXX Bank. XXXX sent them a letter to remove and XXXX Bank had no record of any inquiry from me XX/XX/XXXX -Val XXXX 

The letters of dispute sent by regular mail and certified resulted in nothing. I tried to upload and receive an error message, I attemoted to fax to XXXX no answer. If you call customer service the vm demand ss # and routes you to prerecorded messages. I called last week and 4 times today. No contact means, blocked by computer and it violates my rights. 

My name is XXXX XXXX XXXX XXXX They have it listed 3 ways XXXX XXXX XXXX XXXX I requested they remove the incorrect AKAs and provided copies of my drivers liscense. They do not correct

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 2022-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MD

Complaint narrative:
Hey, looking at my credit report on XX/XX/2022 there Is an inaccurate derogatory remark in my collections. I don't know this company. This is fraud. I have no knowledge of any of this or signed any documents with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: TX

Complaint narrative:
I have been having problems obtaining my corrected and updated audit request from XX/XX/XXXX. Steps taken were requesting an in person meeting, appearing to the in person meeting and following up on my request in XXXX. 
I was told that my audit was completed and mailed XX/XX/XXXX. It is now XX/XX/XXXX and I have yet to receive. 

I would like to know all history disbursements and their paid dates, assessments, fees, monthly payment amounts for all audit years, payoff date and payoff balance.

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 2022-01-24 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: LEXISNEXIS
State: TX

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : XXXX XXXX Bankruptcy XXXX Remove this Bankruptcy from my Public record XXXX  XXXX Bankruptcy XXXX Remove this Bankruptcy from my Public record XXXX XXXXXXXX Bankruptcy XXXX Remove this Bankruptcy from my Public record XXXX  XXXX Bankruptcy XXXX Remove this Bankruptcy from my Public record

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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 — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC
State: MN

Complaint narrative:
Incorrectly reporting late payment ( XXXX, XX/XX/XXXX ) as late on my second mortgage with Specialized Loan Servicing. I have talked to Specialized Loan Servicing who has verbally validated that no late payments have been made. They have also indicated that they have not reported any late payment to the bureaus. I've disputed this information over 4 times to both XXXX and XXXX with little results. They have both come back saying that the lates were correctly reported by the loan servicing company. I've included the XXXX documentation as well as the mortgage servicers statements they have sent me showing that there hasn't been any late payments made. Disputes were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX.This has negatively impacted my credit scores and I would like this corrected to show never late.

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 2022-01-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/2021 at XXXX, I was called from the Citi bank representative ( male ) fraudulent department, phone number ( XXXX XXXX XXXX ) about our checking account suspicious activity. The amounts of {$500.00}, {$5000.00}, {$2500.00}. I was told that somebody was trying to use XXXX for these transactions. 
I was not aware of any of these transactions! I agreed that with the help of the Citi bank representative my debit card was canceled. I was instructed to login to my XXXX Citi bank app to use XXXX to reverse XXXX of these transactions that already was in transit for the amount of {$2500.00}. I followed the steps and I was told that within XXXX - XXXX hours the amount of {$2500.00} will be safely back in our checking account. The amount of {$2500.00} never came back. 
When the money did not appeared back into our checking account, we immediately stared to dispute this fraudulent act with the Citi Bank, we called many times, we send a certified letter. 
We received responds from the Citi Bank denying our claim. Citi Bank never ask to provide any of the information. 
I'm kindly asking this agency CFPB to help us to resolve this fraud and help us to get the amount of {$2500.00} back to our checking account. 
Respectfully, 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 2022-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: SC

Complaint narrative:
My mortgage payment is sky high due to my real estate taxes being overcharged by {$8000.00}. My mortgage was {$2500.00}. Now its {$3200.00}. It went up due to taxes being overcharged and the tax dept has sent them the refund. 

I am going to be XXXX in 2 weeks and I can not set up auto draft with that high payment. This will cause me to go into foreclosure. And the company refuses to do my escrow analysis immediately so that my payment will go down. I have been dealing with this issue for 3 months. This is in violation of RESPA 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 2022-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
XXXX XXXX XXXX Bill got sent to collections agency for {$590.00}. I do not not have I ever had an account with XXXX XXXX XXXX. This is the second time this has happened.

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 2022-01-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Incorrectly reporting late payment ( XXXX, XX/XX/XXXX ) as late on my second mortgage with XXXX XXXX XXXX. I have talked to XXXX XXXX XXXX who has verbally validated that no late payments have been made. They have also indicated that they have not reported any late payment to the bureaus. I've disputed this information over 4 times to both Equifax and XXXX with little results. They have both come back saying that the lates were correctly reported by the loan servicing company. I've included the Equifax documentation as well as the mortgage servicers statements they have sent me showing that there hasn't been any late payments made. Disputes were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.This has negatively impacted my credit scores and I would like this corrected to show never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I am trying to understand why Navient is hasnt paused my student loans payments. I thought that Biden placed a hold due to Covid until this XXXX. Although, I have been continuing to make these all throughout this time, they have continued to charge late fees and now have a Collection Agency calling me on their behalf. I admit that I have been late and have requested forbearances however, Navient have also deferred/forebear some of my loan payments without my request or approval. I also, do understand how my original principal balance is {$20000.00} and I have paid them a total of {$33000.00} ( XXXX, XXXX principal and {$21.00}, XXXX ) and I still have 10 years of payment to go at {$310.00} per month. I believe because cause of false deferred payments they have put me a cycle where I will forever be paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MIDFIRST BANK
State: VA

Complaint narrative:
On XX/XX/2021, opened an account in response to a XXXX advertisement that provided a {$250.00} new account opening bonus, when two direct deposits totaling over {$1000.00} were made within 90 days of account opening. Having met this requirement, with payroll deposits on XX/XX/XXXX and XX/XX/2021, with deposit amounts of {$1000.00}. Despite terms indicating the bonus payment within 45 days of the second deposit, I have not received the {$250.00} bonus.

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 2022-01-24 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: SC

Complaint narrative:
This comapany Equifax knew it was accounts reporting that I did not consent or aurthorize and they still reported them even knowing I was infected by their data breach. I tried to fix the problem but everytime I got in contact they hung up on me. This comapany is now in violation of my consumer rights.

Company response to consumer: Closed with explanation