vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
We are writing this complaint because of the way Wells Fargo has treated our accounts during the covid cares act assistance. When we requested assistance because we were not getting rents from our tenants the representatives told us that one of the options we had would be to extend the loan the number of months that we needed. I was very specific in not wanting a balloon payment at the end or to be added to my balance. We have other mortgages and they added the payments to the end extending the life of the loan. Wells Fargo misrepresented how they would help. I feel very betrayed as this was the only assistance that landlords recieved to help with unpaid rents. I want that money back they should be more compassionate with people in these times of need.

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 2021-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc.
State: OH

Complaint narrative:
I have contacted them and try to rectify the situation and let them know that this was an alleged debt and that they are violating multiple Federal laws.I also stated that our most recent calls are being recorded ( which I can provide to or at any legal proceedings ) The calls has been recorded numerous times and they keep saying that I owe alleged amounts which they can not do legally they also tell me they have the right to tell a consumer that they owe a amount which is illegal they were committing to fraud. Under 15 usc 1692 D no debt collector is allowed to harass or abuse. As stated above I am being harassed via mail, phone, and severely negative impact to my credit report. I told them I do not owe this alleged debt and refuse to pay ( Debt validation 1692c ( right to refuse pay ) but they werent being helpful and trying to use deceptive methods to get me as a natural person for verify and alleged debt. FDCPA violation. Debt collectors can not verify anything I shared that I that I did not want my information shared because I have a right to privacy and they were not given any prior written instructions to share my information. They have called me about three times which they admitted to amd sending letters with all of these things were very inconvenient and according to 15 USC1692 k I have The legal right to request compensation for punitive damages and physical damages my credit score has been severely damaged as a result of this I got high interest rate on a consumer vehicle because of this it has cost me time it has cost me money it has also cost me headaches and it is damaging my relationships with other individuals and other corporations I gave them today as of today which is XX/XX/2021 notice that I am requesting payment of at least five federal violations I do not agree to settle I request that these funds will be sent certified mail to the address on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 11 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
A XXXX card account number XXXX that is not mine was on my credit report i sent a response two months ago and have to get a response. the card has inaccurate information reporting across 2 different bureaus which is a violation of FDCPA. I sent a dispute 2 months ago and received no response this is hurting my ability to obtain credit.

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 2021-05-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
A XXXX card account number XXXX that is not mine was on my credit report i sent a response two months ago and have to get a response. the card has inaccurate information reporting across 2 different bureaus which is a violation of FDCPA. I sent a dispute 2 months ago and received no response this is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one has frozen my bank account for a SBA loan I was approved for. I have spoken to the SBA and that indeed is my loan, I provided all necessary information. They are gaining interest on my money while holding it. When I was approved for the SBA loan through XXXX XXXX, they were informed I can have it deposited there with no issue. I have complied with giving all information that is required, including my loan approval. 

I am a XXXX XXXX and do not have a XXXX account. Furthermore there are no branches in my area to even walk into to do so. 

My money is all frozen. I can not do anything now, I have a family and my whole life is on there. Please, look into this. 

Many people have had this problem. Its wrong when we are hard working people trying to survive. We are not criminals, please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I attempted to use my Credit card and my credit card was declined. I logged into my Chase account and noticed that my credit card was closed without any notice. I called Chase that night and they told me that they are ending their relationship with me and closing all my accounts with them such as my checking 's, savings, and credit card. They said a letter will be mailed out to you. It took a whole week for the letter to arrive. In the letter they did not specify why my account was closed. I have a good credit score, pay all my bills on time, have a steady balance in my checking 's and savings accounts. I have a steady income. No fraudulent or suspicious activity on my account. What chase did was highly unprofessional. They did not provide an explanation on why they closed my accounts and did not offer to review my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I Feel this account is causing me thousands of dollars in interest every year. I have tried to fix the issue with the XXXX XXXX XXXX, with the actual company and XXXX, XXXX and XXXX as well. I have yet to receive any confirmation that my account has been removed from my credit report so I chose to cease and desist, affidavit and certified mailed and green return post to confirm that my mail has been received. This is my final attempt to seek remedy of my consumer violations under the Fair Credit Reporting Act 15 USC 1681 and as well as the Fair Debt Collection Practice Act 15 USC 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
I was trying to transfer my xlm coin from my coinbase wallet to The coinbase exchange and in the process they disappeared during the transfer I've reached out to coinbase on several occasions to try to fix this issue and now I'm being ghosted and can't get a hold of anybody it really feels like I've been played here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLANET HOME LENDING, LLC
State: MN

Complaint narrative:
I am to the closing point of refinancing with a new lender and my current lender Planet Home Lending is falsely representing the status of the loan and preventing me from closing. I was in Temporary deferment when Covid-19 first hit for 5 months ending XX/XX/XXXX and the payments were to be tacked on the principal of the loan. I have the documents showing the deferment ended XX/XX/XXXX. Now that I am changing lenders for a lower interest rate they are forcing me to pay the deferred amount of {$11000.00} now inorder for my monthly statement to show I'm not still in deferment. I have been trying to work with Planet Home Lending since XX/XX/XXXX on this. I finally threatened that I might have to talk to an attorney just on XX/XX/XXXX, they had a threatening letter hand delivered to my door the next day the XXXX. A threatening letter saying I have to pay the {$11000.00} in full or alow them to place an additional lien for the entire mortgage amount or agree to have them place an additional lien on my home for {$200000.00} even though they hold the current note. I have my 12 month payment history showing I've made on Time payments along with my deferment agreement paperwork showing the deferment ended XX/XX/XXXX. I have worked in finance and this is worse than predatory lending this is using covid-19 to their advantage so they get to keep their high interest rate they're getting from me and a new lender can't approve when the old lender is falsely representing the status of my loan. Planet home Lending has received my request via email and phone calls regularly since XX/XX/XXXX and I've had no response until I threatened to speak to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: Security Credit Services, LLC
State: CA

Complaint narrative:
I am uploading additional information to this company about my complaint. 
On XX/XX/XXXX, I received an alert from XXXX  that this Company reported an account on my credit report stating that I opened an account inXX/XX/2021 with them and owe {$670.00}. 
I have no knowledge of and did not open, nor do I have any account with Security Services. I have filed an FTC report which I am attaching, as well as disputes with the credit bureaus. I received several phone calls at my JOB, and repeatedly informed these people that 1 ) do not call my place of employment. 2 ) I do not & have never had an account with your company and do not owe you any monies. 3 ) Remove this information off my credit report immediately as it is false and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Nissan will not update my credit report has not been updated since XX/XX/2021.Also I let Nissan know that the dealership is refusing to send payoff check for warranty. I am banned from dealership I asked for so I can get this account paid off and also charging me daily interest rate which causing hardship since they will not intervene to get my warranty check forward to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2021, I filed a dispute with Experian, XXXX  and XXXX  about the inaccurate report of the account XXXX XXXX Account number XXXX, .. In 2 months I have asked numerous times for a response to their investigation and I have not received anything in response from this bureau, this is a violation of the FCRA 30 day investigation policy. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. I have attached documentation for proof of my complaint. 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 non-monetary relief
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Ive called TSI multiple times to verify a debt that theyve placed on my credit and whenever asked to validate the debt they can give no information and dont have any contact information for me all of a sudden and when I asked to remove the debt since it cant be validated they hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: NC

Complaint narrative:
Equifax ; XXXX and XXXX are not investigating the negative accounts reporting on my credit report. ( Attached are copies of my identification documents for reference. ) I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute. Department of Education - XXXX and XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; Medical Collection - XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: NC

Complaint narrative:
XXXX ; Experian and XXXX are not investigating the negative accounts reporting on my credit report. ( Attached are copies of my identification documents for reference. ) I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute. Department of Education - XXXX and XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; Medical Collection - XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

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 2021-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I was solicited from HSBC to open a new premier checking account where I could receive cashback on my direct deposits. I applied for a new checking account and was approved and deposited my opening deposit. I also transferred monies from another account that I had into this account. I logged into or tried to log into my online banking and saw the account was restricted. I called HSBC and they stated that my account was closed for a reason they are not able to disclose on XX/XX/2021. I have called several times and they keep telling me that they are unable to tell me when they are going to mail me my bank account funds. It has been over two weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: NV

Complaint narrative:
There are accounts, inquiries, and addresses on my credit report that I don't recognize and or that belong to me. Please remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I ordered a indoor security camera online from Lowes and charged it to my LOwes credit card, but the camera does not work. So I called and ask for a return label so as to return it via " XXXX '', as that is the way it was delivered. So I spoke with a LOwes rep and she sent me a email confirmation without a return label which is necessary when returning a package for a refund. THe Fedx man came this morning and did not pick the package up even though he scanned it. I can not get a hold of a lowes rep and I was on hold for 20.5 hours waiting. THe order number is, XXXX. I am not paying for a product that does " NOT '' work.

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 2021-05-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: WA

Complaint narrative:
I contacted XXXX for a second time on XX/XX/XXXX, requesting information on what I need to do to remove the cosigner from my loan. They responded XX/XX/XXXX that they would need 7-10 business days to review that I had made 24 on time payments, which I have and an additional 3 to send a form. As of XX/XX/XXXX, I have received nothing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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:
THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE STOLE MY IDENTITY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS I AM A VICTIM OF FRAUD I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX will not update my credit report has not been updated since XX/XX/XXXX.Also I let XXXX know that the dealership is refusing to send payoff check for warranty. I am banned from dealership I asked for so I can get this account paid off and also charging me daily interest rate which causing hardship since they will not intervene to get my warranty check forward to them.

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 2021-05-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX will not update my credit report has not been updated since XXXX XXXX I let XXXX know that the dealership is refusing to send payoff check for warranty. I am banned from dealership I asked for so I can get this account paid off and also charging me daily interest rate which causing hardship since they will not intervene to get my warranty check forward to them.

Company response to consumer: Closed with explanation