vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-05 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: AFNI INC.
State: GA

Complaint narrative:
In an attempt to collect an invalidated debt, Afni, Inc. Violated my consumer rights and furnished a false and deceptive form pursuant to 15 USC 1692j. Additionally, Afni Inc threatened me in regards to said invalidated debt and said that they would put a negative remark on my consumer report if the debt was not paid, which they have done. This is direct violation of 15 USC 1692d. There have been numerous attempts by Afni to collect something that has not been validated and that I do not owe. I am fearful that Afni will continue to make threats against me and harass me in relation to the alleged debt. I have sent Afni, Inc a cease and desist and validation of debt to bring an end to this matter immediately. I have also invoiced Afni, Inc for multiple consumer rights violations. Pursuant to 15 USC 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have {$950.00} in my PayPal account PayPal says I have broken a community standard and they are holding my money for 6 months I asked PayPal what community standard did I break and they couldn't tell me how was it legal for them to hold my money for 6 months

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The credit lock feature faded out completely right after I tried to correct the lock feature not working at all. So I don't what state the lock feature is in, only that after trying to get it to toggle that it faded out completely

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 2021-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
After being on Forbearance due to Covid-19 epidemic and being unable to get back to work most of XXXX and part of XXXX I was returning to work in XX/XX/XXXX from a work injury and in XXXX of XXXX I began a cash out refinance of my home to payoff credit card debt acquired during the covid-19 shut down on XX/XX/XXXX I made an electronic payment of {$4400.00} through my online bill pay at XXXX XXXX  to Lakeview Loan Servicing to bring my mortgage current which posted as paid to them on the XX/XX/XXXX this cleared up four unpaid months back in XXXX due to thirty day waiting periods for my mortgage payment protection and returning to work to get my first full paycheck the payment posted to my Lakeview Loan Care account XX/XX/XXXX which gave me a clear twelve month payment history on XX/XX/XXXX I called in to Lakeview Loan Care Loss Mitigation department and ask for a cancelation of my Forbearance and a letter of confirmation I was told it could take up to 24-72 hours to generate the letter and to call back Monday or Tuesday to see if they could email it to me when I called Monday I was told my payment had been retracted so I went back to XXXX XXXX  and they confirmed they had not retracted the payment so I would like some help finding out why the payment was retracted from the same source I have used to pay my mortgage for a least a year or two and where was it retracted to and now reapplied with out a clear account history and I have still not received my Forbearance ending letter or confirmation or any information pertaining to it can you help me has any laws been broken with this unwarranted delay and inexcusable miss handling of my funds payed to the account.

The Company who is now handling my home refinance is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX which was started about XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
wells fargo bank / wachovia bank stole my home to fraudulent forclosure in XXXX county court XXXX florida to crooked judge whom did not look at proof of paymants wells Fargo bank /mortgages lied through there teeth the acount was in credit of over a XXXX dollars all payments were internatinal wire transactions from bank in uk to wells fargo and where all cashed, i have made over 50 case complaints to cfpb and you have done nothing for me, wells fargo valued my home at XXXX XXXX XXXX XXXX florida XXXX value {$560000.00} home mortgage {$250000.00} the equity i had in my home at the time of fraudulent forclosure was {$310000.00} the bank sold the property on the court steps to a 3rd party then sold it again within 7 days for XXXX then XXXX then made it look like the person who lives in the house now had bought the house from me thats fraud?. devastated me and my family this house was my penshion retiremant money stolen if a bank robber stole {$560000.00} dollars how many years would he get in prison wells fargo get fined? Now a supreme court judge in california has made wells fargo compensate 817 people families that they have stolen there homes to computer error?

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 2021-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I opened an account in Coinbase.com I transferred XXXX XXXX from my checking account, and for no reason, days later, my Coinbase account has been Locked and I'm unauthorized to use it. I was contact them many times, Coinbase have no phone support and all the emails and the claims they say are working with an specialist to fix this issue, since XXXX Coinbase haven't do anything to contact to me in anyway. By sent many Claims they sent me many Cases number, the last is # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: IN

Complaint narrative:
I wrote a letter to a company Capio Partners Dept to let them know that I believe they were in error of a {$60.00} debt that they are claiming I owe them. I also demanded to see verifiable proof for the account # XXXX and to provide the description of the procedure used to determine the accuracy and completness of the information is hereby requested as well to be provided within 15 days of the completion of a reinvestigation and it was not done .I was not requesting Verification, but rather I am requesting Validation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
After Specialized Loan Servicing Stole {$2000.00} from my escrow account I made the decision to re finance in order to get away from them. 

My new mortgage company XXXX XXXX requested the loan payoff amount.

Specialized Loan Servicing sent a higher payoff amount than it should have been, Giving the impression that they are trying to steal another {$1100.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
My wife and I were under contract to purchase land and have a home built on the land since XXXX of XXXX. Our bank, Citizens Bank instructed us that they required architect plans and contractor contract to start the application process. Fees and plans were drafted and submitted to the bank by XXXX of XXXX. Since the paperwork was submitted as requested, it was 1 hurdle after another. 

The banker we worked with was incompetent and requested documents multiple times, which he claimed never to have received. Sometimes he would request documents, which were sent on time and 3 weeks later after following up on the status of our application he would state he could not open the documents, which were sent 3 weeks ago. He would not communicate on the progress of our transaction and this cost us time and money. 

Eventually, I reached out to management in XXXX of XXXX and the chairmans office called to say they were investigating and we never heard back from them. In XXXX again a month after attempting to escalate my issue, I called the bank representative we worked with and said he would have to speak to his manager because we escalated the issue and he was unaware of the progress made on the file. However, the next day he emailed me stating we needed to send documents, which we had already sent previously. 

He was out of touch with the process of our file, the underwriter who worked on our file would never answer the phone except once and eventually we asked the bank to decline our mortgage application so we could cut our losses and move on. 

We lost time we put into meeting with our architect, engineers and contractors to design our home as well as with the town for the multiple inquiries we had to do. Additionally, we lost money we spent on this whole process plus other missed investment opportunities. 

We could have purchased another home or piece of land and this has caused us stress and has set our plans back, which inconveniences our family and mostly, our children. 

After we requested more information and intervention from management they never reached out to us nor was an apology ever provided for the inconvenience they caused us. 

Additionally, the financial obligations we had discussed initially with our bank representative were not as later discussed with the underwriter. Closing costs and other monies we did not anticipate were supposed to be due and payable at closing, which was never mentioned to us previously. 

The bank got away with ripping us off and whats even more heartbreaking is management did not even care to reach out and resolve our grievances let alone apologize for the inconveniences they caused us. 

Your intervention in this matter will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: GA

Complaint narrative:
In an attempt to collect an invalidated debt, XXXX, XXXX. Violated my consumer rights and furnished a false and deceptive form pursuant to 15 USC 1692j. Additionally, XXXX XXXX threatened me in regards to said invalidated debt and said that they would put a negative remark on my consumer report if the debt was not paid, which they have done. This is direct violation of 15 USC 1692d. There have been numerous attempts by XXXX to collect something that has not been validated and that I do not owe. I am fearful that XXXX will continue to make threats against me and harass me in relation to the alleged debt. I have sent XXXX, XXXX a cease and desist and validation of debt to bring an end to this matter immediately. I have also invoiced XXXX, XXXX for multiple consumer rights violations. Pursuant to 15 USC 1692k.

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 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They continuously harassed me via email and mail ( as described in 15 USC 1692d ). They have communicated with me more than once ( 15 USC 1692b ( 3 ) ). They have ruined my character and general reputation by reporting false information on my consumer report ( 15 USC 1692e ( 2 ) ( A ) ). They didn't disclose that they are attempting to collect a debt ( 15 USC 1692e ( 11 ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: GA

Complaint narrative:
In an attempt to collect an invalidated debt, XXXX, XXXX. Violated my consumer rights and furnished a false and deceptive form pursuant to 15 USC 1692j. Additionally, XXXX XXXX threatened me in regards to said invalidated debt and said that they would put a negative remark on my consumer report if the debt was not paid, which they have done. This is direct violation of 15 USC 1692d. There have been numerous attempts by XXXX to collect something that has not been validated and that I do not owe. I am fearful that XXXX will continue to make threats against me and harass me in relation to the alleged debt. I have sent XXXX, XXXX a cease and desist and validation of debt to bring an end to this matter immediately. I have also invoiced XXXX, XXXX for multiple consumer rights violations. Pursuant to 15 USC 1692k.

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 2021-08-05 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: GA

Complaint narrative:
In an attempt to collect an invalidated debt, XXXX, XXXX. Violated my consumer rights and furnished a false and deceptive form pursuant to 15 USC 1692j. Additionally, XXXX XXXX threatened me in regards to said invalidated debt and said that they would put a negative remark on my consumer report if the debt was not paid, which they have done. This is direct violation of 15 USC 1692d. There have been numerous attempts by XXXX to collect something that has not been validated and that I do not owe. I am fearful that XXXX will continue to make threats against me and harass me in relation to the alleged debt. I have sent XXXX, XXXX a cease and desist and validation of debt to bring an end to this matter immediately. I have also invoiced XXXX, XXXX for multiple consumer rights violations. Pursuant to XXXX5 USC 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
I received a letter in the from FCA, Fair Collections & Outsourcing. The letter was dated XX/XX/2021. The debt was for {$2300.00} for unpaid rent and fees for an apartment in XXXX, Indiana. I phoned the company on XX/XX/2021 and spoke with representative. I requested to speak with the manager. I explained to the representative that they have the wrong person. The representative insisted that I was not being truthful. She asked for my birthday and address. She looked at her screen only to see that the birthdays did not match. The next day, I phoned the apartment XXXX XXXX in XXXX as well as the property management company, XXXX XXXX in XXXX, Maryland. They apologized but this information is affecting my credit score. They say that they will fix it. Nothing has been done. I need this matter to be resolved immediately.

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 2021-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One has to be the worst company to have a credit card with. Especially, when facing financial difficulties and having gone through TWO Federal declared disasters. If this is, In your wallet, you will NOT get help or any kind of assistance. After asking for assistance over and over again, during a global pandemic, I still can not get assistance. After being affected by the Texas Winter Freeze and having pipes burst in our home, I still can not get assistance. I have recorded phone conversations where Capital One customer service representatives bluntly say, Im sorry, but we can not do anything to help you because your account isnt delinquent. Unfortunately, there is nothing we can do or offer you at this time. I reply, I am trying to avoid this and hoping that I can, so my credit will not be affected when I can not make the payments. Still NO! Over the years, the only help that I received from Capital One is that they lowered my VERY high interest rate from 25 % to 23 %! My interest on the two accounts that I have with them has NEVER been lower than that 23 %. As a matter of fact, after this 6 months period was over, they raised to 27.15 %!!!! Now, my account is delinquent and my credit score is ruined! Guess what? Capital ONE still will NOT help me!

At this time, we are struggling to pay our debts. It started two years ago when I lost my job the day before XXXX through XXXX and until XXXX. 
We havent reco

vered from that, then, we had pipes burst inside the walls in our living room of our house. Next, the pandemic happened! Every month, I was threatened if I would be laid off or not. Fortunately, I did not get laid off like some of my colleagues did, but my salary was decreased by 40 %! We also were affected by the Texas Winter Freeze and had pipes burst again causing over {$45000.00} in damages! I dont understand why they can not help in this time of need. Especially since Ive never
been late until NOW!

What can I do? I am including a spreadsheet that shows Capital One changing my interest rate every few months and how much they have actually charged me in these years. PLEASE HELP MY FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: CA

Complaint narrative:
on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being taken for a ride and my disputes are being ignored. Section 611 ( a ). it is clearly stated that failure to investigate these items within 30 days gives a reason to have those items immediately removed from my credit report, it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the tension you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WA

Complaint narrative:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: FL

Complaint narrative:
On XX/XX/XXXX and on XX/XX/XXXX, I sent in dispute letters to all three credit bureaus. Equifax is the only company that has not responded to either time I sent in dispute letters. The other credit bureaus responded within 30 days, and also removed the information I disputed. The accounts I disputed are listed below. Please note that these have all been removed from the other credit bureaus XXXX  and XXXX, thank you. 

XXXX XXXX XXXX XXXX - # # # # # XXXX XXXX XXXX XXXX - XXXX XXXX XXXX/XXXX- XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: CA

Complaint narrative:
on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like im being taken for a ride and my disputes are being ignored. Section 611 ( a ). it is clearly stated that failure to investigate these items within 30 days gives a reason to have those items immediately removed from my credit report, it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the tension you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

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