vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
i opened a coinbase account because i thought the company was reliable i have receipts of me sending money into my coinbase account i sent several hundred dollars into the account so there is money in there but im not getting access to it coinbase has pretty much taken my money and will not give it back the username of my account is XXXX and i funded the account from the bank account in America its ACH so i can see when i put the money in

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: MI

Complaint narrative:
I had loans through XXXX XXXX, they were consolidated with Fedloans. A lawsuit was done and I was told I no longer owed money on these loans. They are still showing open through Fedloans and on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America keeps debiting my Credit card even though my credit card balance is XXXX. Every month they debit my card and then send me a check, but I don't have use of the funds for those times and it has caused hardship for me resulting in overdrawing my bank account.. have contacted their customer service department but it still occurs. I don't think it is fair for a big financial company to be able to use my money without recourse.

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 monetary relief
Consumer complaint received 2021-08-16 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: AFNI INC.
State: NY

Complaint narrative:
Therea re 2 fraud collections on my credit : They are : AFNI and XXXX  XXXX  I didnt open these accounts ... I didnt use these accounts and I am not liable for these accounts. 
Please remove these accounts from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Huntington Debt Holding LLC
State: MI

Complaint narrative:
I check my credit report and I see a account is not mine I never lived on Ny and I never take any loan or debt on that country

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express has not provided me the card which they directly solicited to me. They reviewed my credit but never responded. 

Why? 

Please see previous complaint XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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 — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I am writing this dispute because I believe it is against the law for a hard inquiry to stay on my credit without permission of me I have no account with these lender .. this was ran through a third-party with out my permission for these particular company thanks you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX Inquiry : XXXX. XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX & XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: CO

Complaint narrative:
Sadly due to the downturn in the ecomony and loss of job we fell behind on our Discover card. Discover wrote the debt off as a write off. 

This XXXX we received a summons to respond to a court filing about this debt. We were not given a case number and we were told in the paperwork not to show up to court but rather to file an answer. Of course the paperwork also asked us to resolve the debt if possible and the paperwork from this random collection agency also stated they would help us to resolve it. 

Along with these requests we informed the agency that we live in an area that does not received USPS mail and provided them with our mailing address. We had not received any communications from them prior to the lawsuit being filed. 

We attempted for 2 months to contect them using every option available. We called, we emailed, we submitted requests through their website, we faxed them, nothing. We did file an answer with the courts and asked for an extention so that we could work this out with them. We received nothing. 

That was until a wage garnishment happened. Now, we are stuck with a wage garnishment, and we are happy to pay off the debt, at this point we have no other choice, that is until we can obtain legal counsil and begin litigation. 

The amounts that they are garnishing us for is NOT being accuratly accounted for by the collection agency. In addition, I've asked to mailed a statement so we can understand why they are not appling the funds correctly. We are and have been prepared to pay this debt in full but they refuse to communite with us, nor will they respond to our requsts. 

Example - Starting Debt was {$9100.00} To Date Wage Garnishments - {$1500.00} Payment Directlty to them - {$5000.00} Total outstanding {$2600.00} Accounding to their website today it is {$3600.00} So again, missues to funds and not being applied to the account. In fact they have only applied the additional payment and have not applied any funds received via almost 2 months of wage garnishments. 

I log in to the account weekly, and update our mailing address, they the debt collector continue to change it back to our physical address. I have emailed, I have faxed, I have called them and they refuse to update our information nor will they send us information about this current debt to a location that we can receive it at. This has been going on for months and there appears to be no end in site. Please help us!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Complaint of XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX : On XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, our trust operations back office XXXX and XXXX XXXX XXXX  XXXX  ( XXXX  ) filed a Hold Harmless and Indemnification ( HHL ) for the return of an unauthorized {$40000.00} wire transfer processed on XX/XX/2020. 

It is our understanding the receiving account at JP Morgan Chase ( JPM ) is frozen ( because of irregularities identified by JPM personnel ). XXXX  also informed us that after the HHL was approved, the funds ( or a portion of the remaining funds on deposit ) would be returned.

No funds have been returned and despite numerous inquiries of XXXX and JPM, we have received no communication from either bank regarding the status of the frozen account. 

We believe that it is incumbent upon JPM to provide the investigative update on the frozen account and the approximate date of return of these funds. 

JP Morgan Chase Case # JPMXXXX  Reference # XXXX  REF XXXX JP Morgan Chase fax number for the claim area : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am writing this dispute because I believe it is against the law for a hard inquiry to stay on my credit without permission of me I have no account with the lenders this was ran through a third-party without my permission for these particular company thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Hello and good morning!. My name is XXXX XXXX and I'm initiating this complaint due to the fact that two out of the three credit reporting agencies have my credit score greater than XXXX, but Experian has my score at XXXX wrote them a letter requesting that they reevaluate how my score and how it is calculated, but I have not had a response from their company.I find it very disturbing that they can have my score at the lowest, but somehow continue to try and sell me their products.I feel like as a consumer if I dont purchase their products they'll continue to have my score the lowest out of the three credit reporting agencies.I never receive information from XXXX, somewhat from XXXX, but Experian sends me the most and they're the ones that have my score the lowest, this to me is done intentionally to the consumer to force them in some manner to purchase their products to achieve a better score, please look into this for me because I feel that this is wrong on so many levels, and some governmental agency needs to be made aware, thank you for your time and hopefully timely response to my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX Oh on End Of XX/XX/XXXX. I went to the dealership to pick up the title from the Sales Person that sold me the car in late XXXX. The title was given to me 2 days after I picked up the title the vehicle started to stall,. Finds out that the transmission needed to be fixed/replaced. Informed the dealership of the situation they indicated the salesman no longer works for the company no warranty. I ended up replacing the the transmission for XXXX not to mention the XXXX given to take ownership of the vehicle. The vehicle was in the shop for about 21/2 months getting transmission fixed/replaced also I had to come up with the monies to fix the car. Meanwhile Consumer Portfolio Services, which is the finance company for the vehicle located in California. They are aware of what is going on. They offered one deferred payment for one month. I got the vehicle out after I paid XXXX for a transmission in late XXXX. I was being charged XXXX a month plus late fees of XXXX? I believe could have been more. Well I did not have the monies to pay for a new transmission on a vehicle that I just purchased and pay the car note and get back and fourth to work. The car was repossessed in XX/XX/XXXX. I paid all of the fees to retrieve the vehicle back. I was told that I had to pay repossession fees which were some bogus fees that I could not find however I was told this was a fee that my state charged. Contacted Ohio Attorney General was not aware of what the fees are/were. I was going back and fourth with the company in reference. I was then told the fees would needed to be repaid until the end of my loan. Per my credit report it shows that my balance was a little shy of {$7400.00}. However when CPS was contacted about the pay out for the vehicle a week ago or so {$8000.00} was indicated for the amount/balance. The vehicle stalled out again In the middle of XX/XX/XXXX. Find out that the timing change went out/ Which is a new motor {$5500.00} to repair. 2 Major components on a vehicle within 2 1/2 - 3 years from the time that I purchased. The vehicle was listed at {$10000.00} Repayment of {$19000.00}. Clearly this is a type of predatory lending and should be investigated as I tried to complain about this company 1 year or 2 ago with Consumer Affairs as well as The Ohio Attorney General ' s office. This company had a lawsuit filed against them some years ago for the bad behavior and practices. The victims were awarded. Consumer Portfolio Services had to pack back millions for their corrupt practices, My case is a prime example of such. 

Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
Upon paying the debt owed to XXXX/Convergent outsourcing, I was told that the debt would be removed during a phone call on XX/XX/2021. I was also told that I would receive an email verification of this. The email was never sent. I called XXXX/convergent outsourcing on XX/XX/2021 and was told that I would receive an email verifying that the debt was paid. The only thing that was updated by XXXX/convergent outsourcing was that the debt was paid in full. Although it was paid in full, it still shows up as a collection on my credit report which is affecting my credit score negatively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
Select Portfolio Servicing has committed fraud in state and federal courts and the Commissioner of Financial Regulation a state of Maryland agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VT

Complaint narrative:
Inexplicably, when I now try to sign-in to my online account, Mr. Cooper informs me that my password has expired. When I select " I forgot my password '' and enter my account identifiers for security, I receive a message that a one-time code was sent to my email address. A code was never received, upon several attempts ( I've also checked my Junk folder ). 

When I called the service center this morning at XXXXXXXX XXXX. EST ( the center is open at XXXX XXXX. CST ), I received a message that the call center was not yet open. I was unable to access the call center until XXXX EST, which does not comport with the stated service hours. 

Once I spoke with the service rep. ( my complaint has nothing to do with the service rep. whatsoever, as she was friendly and professional ), after 37 minutes of discussing the issue and being placed on hold while the rep. consulted with tech. services, I was told that the issue has existed since last week and there is no known timeline for resolving the issue. I am still unable to perform loan servicing needs via Mr. Cooper 's website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
ON XXXX I paid my Final balance with capitol one. 
Afterwards, i was contacted regarding inactivity use, and explained to Capitol One that i wanted to to keep the account Open and did not want to have a Balance owing because of the Excessive high intrest rate they were imposing. soon after, they in fact closed the account and said That i wasn't consistent with paying, but provided no proof of a balance owed. On XXXX Capitol One issued letter stating closure on XXXX stating to use, or close account. However, they seem to be LANGUISHING with the specifics of the account status, more so with the credit bureaus as of XXXX in my XXXX XXXX files. I don't UNDERSTAND why a company would vacillate unprofessionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: FL

Complaint narrative:
I have visited XXXX of XXXX XXXX on XX/XX/2021 to shop for used cars. After I looked at a particular car, I was speaking with the sales agent about the final price. As part of the quotation, the dealer took all personal details from me including SSN. When the sales person requested my authorization to pull the credit report, I have straight away denied it and did not authorize a credit pull. Later after reaching home, I see a hard pull on my credit report from XXXX of XXXX XXXX which I have not authorized. I spoke with the manager at the dealership, who was falsely claiming that I gave authorization just by giving my personal details. More importantly, I suspect fraudulent activity as this was an unauthorized credit inquiry. 

Dealership : XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL 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 non-monetary relief
Consumer complaint received 2021-08-16 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I was going through a divorce while living overseas and was unable to submit the forbearance/deferment application on time and reported as 90 days late. I provided information about my divorce decree with no charge. Navient has also been charging me interest on my student loan when there has an Executive Order issued to suspend interest on student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have furnished TransUnion with my identification documents : XXXX birth certificate, passport, gas bill, and social security card. ) I have presented this information in every correspondence I have sent this corporation since XX/XX/2021. TransUnion just sent me a letter dated XX/XX/2021 but not postmarked until XX/XX/XXXX, that they can not process my request because their corporation doe not have my documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance {$1400.00} Opened XXXX XXXX, XXXX XXXX  Balance {$3.00} Opened XXXX. XXXX, XXXX XXXX XXXX Balance {$0.00} Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation