vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: LA

Complaint narrative:
I lost my job in XX/XX/2020 after working there for 6 years, business slowed due to the Covid Pandemic. I started to get behind on my mortgage, I called them repeatedly to try and catch up on my mortgage I eventually got {$8000.00} behind I called and told them I can pay {$7000.00} and try and get the other {$1000.00} within the next month but the refused to take payment unless it was the whole {$8000.00} payment. I only owed XXXX on the house and my land and it appraised for XXXX I had a potential buyer when I learned that XXXX mortgage went behind my back and bought it from XXXX sheriffs office for only {$50000.00}. My kids and myself our now trying to make rent bc I spent all my money trying to sell my home because I had so much equity in the house. I cant take much more as a single dad with no financial help, I work 7 days a week for {$9.00} an hour. Im so stressed that I almost wish XXXX would just take me I Cant hold on much longer Im beyond stressed that me a XXXX year old man cant fully support my babies Id getting to the point Id rather be XXXX. I dont know who to ask or what to do for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: HI

Complaint narrative:
Specialized Loan Servicing, my lender has not approved me for any loss mitigation options. Now, I am trying to appeal on their decision but will not accept my appeal through their fax or email. They want me to send thru snail mail which will take a very long time and they wont accept my appeal as they have a deadline on submitting the appeal. I already sent it through fax but they wont accept it.

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 2021-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
This is my 10th attempt reaching out to someone about my account being restricted for more than 60 days which i was told it would be restricted for 60 days.

I've received a letter from XXXX stating she has my request but no progress has been made on my account or nor has anyone contacted me prior to all the information I've submitted proving I had my business for a little over 2 years. I've submitted several emails and I am just getting nothing with my account being frozen I am mentally frustrated and drained. This has cost me to lose out on my business and my personal life as well. I am now moving forward to take legal action against capital one. I have received several letters in the mail about claims I've submitted back in XXXX after doing my research capital one has wrongfully restricted my account and has tried to make it seem as I was doing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
I've had an account with Coinbase for a couple years. On XX/XX/21 I had {$300000.00} on my account at XXXX and at XXXX the account read {$0.00} funds and no record of previous transactions. Most of the cryptos were in a vault where it would be a 2 or three day process to take out the funds even for me. There is also a XXXX authenticator which changes codes every 10 seconds to access the account.

I have been trying to contact Coinbase ever since. There is no Phone support and I've sent at least 20 e-mails and they have not responded. I don't even have a case number for this situation. A few days ago trying to log in to my account it said I was required to change passwords and an e-mail would be sent. No e-mail was ever sent. I've done this many times.

Something is very wrong. I've had to recover my account before and there was no problem

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I have a debit card with Wells Fargo. On XX/XX/XXXX I noticed a fraudulent charge on my account for {$110.00} made through XXXX. As I went back through my account I noticed that this fraud had been going on for months. The first fraudulent charge was made on XX/XX/XXXX. I then went through my account carefully and located all fraudulent activity on my card. I noticed all charges had been through XXXX and totaled 19 fraudulent charges, totaling {$580.00}. I called Wells Fargo fraud department on XX/XX/XXXX and reported, in detail, every occurrence of fraud on my account, as stated previously there were 19 episodes of fraud that began on XX/XX/XXXX and ended on XX/XX/XXXX. On XX/XX/XXXX Wells Fargo refunded {$430.00} which fell {$150.00} short of the reported fraud activity. I called Wells Fargo fraud department on XX/XX/XXXX to find out why they shorted me on the refund and they stated that they only were going to refund 60 days from the statement when the first case was reported. The person I spoke to on the phone did not know when the first reported case was and read back bad information to me. I asked if I could appeal the decision or do anything internally with Wells Fargo to get the total amount back and he told me no and so I decided to pursue this report in an effort to get my full amount back. Below I will itemize all fraudulent activity on my account with dates, amounts and where it was used fraudulently : XX/XX/XXXX - Recurring payement XXXX XXXX - {$1.00} XX/XX/XXXX - Recurring payement XXXX XXXX - {$12.00} XX/XX/XXXX - XXXX XXXX - {$9.00} XX/XX/XXXX - XXXX - {$12.00} XX/XX/XXXX - Recurring payment XXXX XXXX - {$12.00} XX/XX/XXXX - XXXX XXXX - {$66.00} XX/XX/XXXX - XXXX XXXX - {$35.00} XX/XX/XXXX - XXXX XXXX - {$16.00} XX/XX/XXXX - XXXX XXXX - {$35.00} XX/XX/XXXX - XXXX XXXX - {$41.00} XX/XX/XXXX - Recurring payment XXXX XXXX - {$12.00} XX/XX/XXXX - XXXX - {$63.00} XX/XX/XXXX - XXXX XXXX - {$49.00} XX/XX/XXXX - XXXX XXXX - {$17.00} XX/XX/XXXX - XXXX XXXX - {$27.00} XX/XX/XXXX - XXXX XXXX - {$29.00} XX/XX/XXXX - Recurring payment XXXX XXXX - {$12.00} XX/XX/XXXX - recurring payment XXXX XXXX - {$12.00} XX/XX/XXXX - XXXX XXXX - {$110.00} Total fraud {$580.00} Wells Fargo refund {$430.00}

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 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC
State: NY

Complaint narrative:
Approximately 1 year ago my personal computer at home was hacked when I was trying to set up a new XXXX printer. The person that i was speaking with tried to sell me some security software for over XXXX. I declined. He did assist in setting up the printer -as soon as I tried to set up the printer a number poped up on my screen and said to call for further assistance. I called the number- he did assist by taking over my computer and I thought it was XXXX ... .during the call he offered me t his software for over XXXX I declined. several days later my back account at XXXX XXXX XXXX XXXX was hacked for several hundred dollars. I was able to close that account and did get my money back. Several months later I received a letter from a collection agency ( I no longer have the letter XXXX stating that I owed XXXX XXXX. I contacted XXXX via email as they don't have a contact number. I was told that someone purchased something for XXXX and when they tried to collect that money from me- my checking account had been cancelled. So they sent me to a collection agency for XXXX they advised me to contact the company where the fraud person purchased something- I tried to locate that company and that was Fraud also. I contacted the Credit Agency and the gentleman was very nice said I am going to send this back to XXXX and tell them it is fraud. So I figured it was taken care of. Now I have received another letter from a collection agency called Dynamic Recovery Solutoins XXXX XXXX XXXX. XXXX, SC for the same XXXX XXXX  debt. I contacted them and they told me I had to file a police report which I did today. This is fraud. I do not use XXXX anymore and I never purchased anyting for XXXX from them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/20 my cards were stolen. 

I have two police reports. 
XXXX XXXX XXXX XXXX XXXX My personal debit card was charged for {$1500.00} @ target. My bank covered me with information supplied. 

Bank of America was given the same information. They have denied the fraud charge after three attempts to reopen. This is {$53.00}. It's a matter of principle. 

We have a target card that we receive a 5 % discount so we don't use other cards there. 

The last attempt was three days ago when we were promised a call from a fraud manager within 24 hours. No call.

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 2021-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I booked a Tap PXXXX flight from XXXX to XXXX on XX/XX/XXXX, later in XXXX the COVID19 pandemic hit and international travel was outlawed by the US. I reached out to XXXX XXXX to receive a refund for my XX/XX/XXXX flight because the travel ban was extended to that point. XXXX XXXXXXXX refused to provide a refund, credit, or any resolution so I then went to my Capital One Credit card dispute team. 

I shared with Capital One all of the documentation stating it was illegal to fly out of the country and that I provided the airline more than 3 months notice that I will be unable to make my trip. Capital One somehow lost the dispute and then inaccurately provided a double credit. 

I have reopened the dispute many times since XXXX and was promised on a recorded line in XX/XX/XXXX that both charges of {$950.00} would be permanent. Over 90 days then went by and out of nowhere the both {$950.00} charges appeared on my account and I was expected to pay within the next 30 days. I called and requested the voice recording be pulled and reviewed and capital one has failed to sufficiently complete that process. I even offered to review the recordings myself but Capital One has claimed the call is their IP dispute not being able to provide any documentation that proves this. 

Capital One is an absolute disgrace and is committing fraud against me and I need help to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian Credit has failed and refused my access to the online credit history account of my 40 year financial history which is without blemish. Each time you call the Experian number it is not possible to talk to a " live '' person. Each attempt to access online, there is always a " problem '' with some kind of " security code '' which never seems to work. Each phone call attempt is always endless recording which only prevents access and does not enable access.

Further, Experian fails and refuses to provide a so-called " free credit report '' as required by Federal law by simply preventing access to request it. 

Obviously, Experian is trying to force every person with a credit history to pay them money each and every month for all eternity just to access their own credit history, which is supposed to be " free. '' Experian only pretends to be in the credit reporting business but is really in the " credit repair '' business for charging fees on services not wanted or needed. Experian continues to fraudulently claim I have some kind of " membership '' which I have never had, and are continually attempting to force me into " upgrading '' this fake " membership '' for a monthly fee just to access my own credit file. 

The result of their intransigence is yet another fraudulent claim of a debt I do not owe from some company I never heard of in my life. This is yet another repeat of fraudulent claims Experian routinely puts in my credit file in their ongoing attempt to force me to pay a monthly fee for " credit repair services '' I do not want or need. 

" XXXX XXXX XXXX '' claims a {$690.00} debt I do not owe and has failed and refused to even contact me, and instead files fraudulent claims against me. I have received nothing regarding about any " debt. '' Because they know Experian will use it as an excuse to force me to pay them to get it off my credit file. They know Experian will force me to pay for " credit repair '' services to remove this fraudulent claim against me. 

It is a conspiracy to defraud every person with a credit file and in need of a thorough Federal criminal investigation to hold these personally and individually accountable for the financial harm they inflict on all of us.

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 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: AR

Complaint narrative:
My Binance.US account was disabled on XX/XX/21. I was not given an explanation, a notice, any feedback whatsoever. I opened a ticket with them since that is their only method of correspondence. They never replied. I currently have between $ XXXX in investments with this trading platform depending on the market. After filling out more service tickets, sending in the required selfie videos, selfie pictures, documents showing proof of residency, ID, etc, I still didnt get a response. I went to social media to find hundreds of people have money tied up with this company thats not being resolved. I messaged them on XXXX non-stop until I received a bot email that said my situation has been upgraded. After another week of no response I kept emailing/XXXX  messaging u til I got another response today asking for more videos/selfies etc. no update since. My tickets are XXXX and XXXX. Attached are the bot emails I received from them with XXXX XXXX characters as their names.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: DISCOVER BANK
State: NY

Complaint narrative:
DISCOVER BANK, Inquiry : XXXX XXXX, 2019, XXXX XXXX, 2019 add a hard inquiries on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card and social security card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular XXXX citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: CA

Complaint narrative:
My personal information was exposed in a data breach and as a result I am now realizing that I have been a victim of identity theft numerous times. I saw that there was a XXXX XXXX account fraudulently opened in my name in XX/XX/XXXX. I submitted the first identity theft disputes to the credit bureaus with my FTC identity theft report in XXXX of XXXX. The bureau disputes came back " Verified '' from XXXX XXXXXXXX. I assumed this was just a technical mix up so I continued to submit multiple re-disputes but still got the same responses. I then decided to file a CFPB complaint against the bureaus and XXXX XXXXXXXX directly ( CFPB Case : XXXX ) on XX/XX/XXXX. I received a response from XXXX XXXX XX/XX/XXXX stating that they had no signed copy of an application to provide but that because the perpetrator ( s ) used my exposed social security number and date of birth and an address they claim is linked to me by public record that I would be responsible for the fraudulent debt. I have been dealing with this for 2 years now and I am tired and broken. I have lost numerous employment opportunities due to my credit and this ordeal has put immense stress on me and my family. I was victimized when my personal and private information was exposed in the breach. I was victimized when I realized I was a victim of identity theft and I'm being victimized again by XXXX XXXXXXXX 's refusal to release me from the fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: Marlette Funding, LLC
State: TX

Complaint narrative:
I filed dispute a dispute in regards to excessive incorrect information that is being reported on my credit report. It has been well over 30 days and I have not received any investigation results nor any of the evidence/proof documents that I requested from the reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I filed dispute a dispute in regards to excessive incorrect information that is being reported on my credit report. It has been well over 30 days and I have not received any investigation results nor any of the evidence/proof documents that I requested from the reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I sent in documents to Experian explaining how personal information was on my report that did not belong to me such as names, addresses and SSN, to my knowledge those information was removed, however the negative accounts that were associated and opened with those such names, addresses and SSN that were deleted from my report are still listed on my credit report, these negative items are affecting my ability to build my credit and is a clear violation of my rights, these negative accounts do not belong to me as its been well over 45 days plenty of time for the company to correct and delete these items associated with those personal information that did not belong to me in the first place.

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