vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
in XXXX, Wells Fargo claims to have made a processing error which caused a judgement to be placed on my XXXX XXXX XXXX. In XX/XX/XXXX, my truck was repossessed from what Wells Fargo called a possible processing error. Wells Fargo sent a check on XX/XX/XXXX, in the amount of {$5600.00} as a compensation for the error they caused. Wells Fargo offered mediation services if I believed that they had not made things right. I Went through the mediation process, which was provided by Wells Fargo, on XX/XX/XXXX, and Wells Fargo falsely represented what took place that caused my illegal and unlawful repossession. Wells Fargo offered an additional {$27000.00} for what they state they did " not believe that the misapplied payment was a factor in causing the repossession, and the Mediation, which was with XXXX  mediator XXXX XXXX, based her judgment on factors Wells Fargo provided that were false. XXXX  mediator offered a proposal of {$28000.00} instead of the {$27000.00} that Wells Fargo offered. I was violated of my consumer rights in XXXX when Wells Fargo illegally and unlawfully repossessed my truck and covered it up, and now in XXXX Wells Fargo is still trying to cover up what they did to me in XXXX. When Wells Fargo had my truck repossessed in XXXX, it caused a rippling effect to which Wells Fargo refuses to own up to. Now, Wells Fargo wants me to except the {$5600.00} plus and additional {$28000.00} or the case closes out. I can not sign any documents when I know I have been violated and continue to be violated. Please Help me fight for my rights. It's not fair for Wells Fargo to violate consumer rights and then they get to decide what they think is fair after having done so. It's been over 13 years that Wells Fargo has been falsely providing information and violating my consumer rights.

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 2021-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
NewRez, LLC mailed me a letter several weeks ago requesting that I submit proof of insurance for my house and threatening to purchase insurance on my behalf if I didn't submit proof. They included a website to submit the proof of insurance, and I did so the next day. 

On Friday ( XX/XX/21 ) I received another letter demanding proof of insurance again, but this time the letter does not have a website to submit proof. They again threaten to purchase insurance on my behalf for {$680.00}. I've called the number provided on the letter twice and have been on hold for over an hour - no one has picked up the phone. I emailed my proof of insurance to NewRez 's customer service department. I do not want to be charged {$680.00} for insurance when I already have insurance for the period they're requesting and I've already submitted proof multiple times.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient has been calling multiple times a day harassing and threatening me. I would like them to stop calling, and I've asked them multiple times to stop. They have called everyday ( including weekends ) 8-10 times a day. 

They threaten to take legal action, contact my employer, and they have called my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX TransUnion XXXX  XXXX  Account # : XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! Also, once the account is initially disputed there is supposed to be a notice of dispute placed on the consumer report and as you see below, there is no notice of dispute. For this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court for {$400000.00} from TransUnion and {$400000.00} from XXXX  and {$400000.00} from XXXX XXXX  for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX  and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out outside of court.

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 2021-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I opened an account with CoinBase in XXXX of XXXX. I then funded this account with more than {$100000.00} in XXXX of XXXX. On XX/XX/XXXX, I asked CoinBase to lock my account as I had been phished. On about XX/XX/XXXX I asked CoinBase to help me unlock my account so that I could access my funds. 

As of XX/XX/XXXX I have submitted approximately 10 support tickets and submitted approximately 30 e-mails under these support tickets requesting that CoinBase help me get back into my account or to liquidate my account and return the money to my bank account that they have on file. 

To date I have not received any meaningful response from anyone at CoinBase. In addition to this I sent 3 registered letters to the CoinBase CEO, COO and CLO asking them to help me to get back into my account or to liquidate my account and return it to my bank account that is on file. I have got NO response from anyone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE
State: MT

Complaint narrative:
We had an account with Barclays Bank Delaware for 4 months ... without knowing it. No card showed up, no paperwork.. absolutely nothing. We looked into buying a house thinking our credit score was almost perfect to find out this company, Barclays Bank Delaware had reported a late payment. But like I stated earlier, we received no communication from them. Not even a bill. Our credit score has gone down 200 points in a few months. We pay all our bills on time. And after finding out about the account, we called the same day and resolved it ( paid the bill and paid the extra charges that were wrongfully charged ). That only happened because we waited hours on the phone. We waited yet again to completely close the account. But they say the only way to remove this from our credit score it to call XXXX Credit Bureau and give them our account information. What information do we have? Nothing. No card number. No account number. Barclays Bank Delaware will not give any of our own account information to us. And yet our day to day lives are effected. If you search the Barclays Bank Delaware online. There is over 500 complaints about the same thing. This company hid behind XXXX to give us a deal when we rented a car.

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 2021-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: N26 Inc.
State: GA

Complaint narrative:
I applied for an account with the online financial service N26 on XX/XX/2021. They took all my information including my social security number and images of my drivers license to verify my identity and then gave me a message in their app saying they needed to speak with me through their customer service for security purposes. I called the number they gave me, gave them my personal information again, as was told we can not open an account for you at this time. When I asked what the problem was they said, and I kid you not, We cant tell you. What? How is that legal? Im not bothered that I cant open an account, Ill open one with a different online bank ( I interested in changing from my current account at XXXX to one of the new online banks that dont charge any fees ) but I am very bothered by the fact that they have my information but wont share what is causing them to deny my request to open an account. After a bit of searching online I found an entire thread of people complaining about the exact same issue. If N26 is going to operate here in the U. S. it seems to me that they should have to explain what criteria or issue it is that prevents them from opening an account. Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
This company is reporting and attempting to collect an alleged {$16000.00} deficiency balance. Please be advised that I dispute the legal validity of the alleged deficiency balance. They are attempting to collect a deficiency balance that I am not obligated to pay. Specifically, they have not provided me with the required notices before disposition of collateral and explanation of calculation of deficiency as required under the law. As per the law, cease and desist all collection activity, including all credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible. Under the Fair Debt Collection Practice I command my consumers rights under sections. 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts

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 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted 3 seperate disputes showing inaccurate information reporting to the three Bureau. This is a direct violation and I have even showed the proof of the actual violation. The company came back and said UPDATED and or VERIFIED. No information was changed and why would you state verified if I'm showing you the inaccuracy on the report. This information is causing me pain and suffering for there willingness to not do the right thing. Please delete the account 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 2021-08-23 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: PA

Complaint narrative:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of inquiryXXXX XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX, XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry 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 2021-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: LendingUSA
State: MA

Complaint narrative:
I received an " Adverse Action '' notification from a company LendingUSA affiIiated with XXXX XXXX XXXX. I have never heard of these companies but they took an application in my name and pulled credit. I never gave this company my personal information and I never gave them authorization to pull credit. 
The letter states that I was denied a loan but i never applied for a loan with this company. The people who work at this company will not give me any information, they are rude, condescending and one person ( XXXX XXXX ) hung up on me. Teh other person is the fraud department, XXXX XXXX would not provide any information to me and told me to file a report if I wanted to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The company XXXX XXXX  XXXX XXXX XXXX XXXX is reporting the account was included in a Chapter XXXX Bankruptcy. That information is false! 

The credit Card was issued in XX/XX/2017 well after the Bankruptcy was discharged.

My Bankruptcy was XX/XX/2017 and discharged 90 days later which would be XX/XX/2017. This card was issued XX/XX/2017. This was the first card I received AFTER my bankruptcy. So it could have never been included in the Bankruptcy.

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 2021-08-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: National Collection Systems, Inc.
State: TX

Complaint narrative:
Ive tried contacting in XXXX of this year XXXX  XXXX XXXX XXXX XXXX  and collections agency National credit management but they offered no help with payments or lowering collection fees of XXXX nor were open to pause in interest at 5 %. Ive tried explaining how with my transcript locked due to this dent Im unable to finish school and therefore get a job thatll pay me enough to pay debt as well but they still offered no help.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX and TD BANK XXXX  XXXX/target financing after making a settlement with them, both items supposed to be removed from credit report and its currently showing on my credit. 

Credit were settle and paid and promised to be removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
This collection appeared on my credit fir the third time same company but instead of LLC at the end of their name. This debt was removed because they violated HIPPA but they keep continuing putting it on my credit. I am filing lawsuit against this company because this is the third time I have complained about them putting this collection on my credit dropping my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: DISCOVER BANK
State: CA

Complaint narrative:
Hi Sir, I am a retired citizen and live on social security and can barely pay my monthly bills. I worked par time XXXX XXXXXXXX but due to cover pandemic alert and my XXXX health I am unable to work at XXXX. Discover card debt collectors are harassing me daily 8 to 10 times daily. I want them to stop Harassing me. If you could help me. Thanks. My phone number is XXXX XXXX XXXX. Tell them to stop calling me immediately. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This account is reporting late as reported in my 3 Credit Bureaus. I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
IRS does not have the check and the copy of check provided by Fifthird Bank has no clear tracking numbers on the back side which IRS can track.

IRS needs the banker who sent the check to IRS will have to call IRS and provide the tracking information.

Fifth Third is responsible for tracking information what they did per IRS representative.

.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I purchased furniture from XXXX XXXX and applied for their credit card through Comenity Capital Bank. I paid the bill in full {$730.00} XX/XX/XXXX. I then received a bill stating that I did not pay the XXXX and also was charged late fees and interest and that my new balance was XXXX ( XX/XX/XXXX due date ). I contacted Comenity Capital Bank and completed their resolution process. I was sent a letter dated XX/XX/XXXX which stated what I needed to send in. I sent in a letter dated XX/XX/XXXX along with my current bill due date XX/XX/XXXX in the amount of XXXX and the electronic check ( front & back ) from the bank ; a copy of the XX/XX/XXXX letter and a copy of the bank transmittal showing when the check was delivered to the comenity facility in XXXX XXXX, TX. 

Later, I received a letter dated XX/XX/XXXX stating, " after careful investigation, we have determined that you are not are not responsible for paying the disputed amount. This adjustment has been made to your account, including any related charges and/or fees, as applicable. Please allow on to two billing statements to reflect the adjustments. If applicable, we have provided this updated account information to the credit bureaus. 

I continued to received bills that show fees/interest accruing. I called Comenity Capital Bank in XXXX to have them correct this issue as it is affecting my credit with the various bureaus. I was informed that there was nothing that could be done and to wait one more billing cycle. My XXXX bill showed that I owed {$40.00} ; XXXX {$63.00} ; XXXX {$73.00} and now XXXX {$100.00}. Comenity Capital Bank calls my cell phone 3-4 times daily wanting me to pay them what I do not owe. I can never get anyone to correct my account and it is now a HUGE PROBLEM. I feel completely harassed by this banking institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-23 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: AZ

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation