vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: GA

Complaint narrative:
Due to COVID related issues my loan was approved for forbearance for three months. After the three month period ( XX/XX/2020 - XX/XX/2020 ) I resumed making my mortgage payments. Ameris Bank ( mortgage lender ) ensured me that my forbearance was approved and I would receive the agreement via mail within 30-45 days. I have not received the forbearance agreement with the correct dates, nor have I received options for payment plan. Additionally, I am refinancing through a different lender, and my payment information is being reported incorrectly. It is being reported that my payments are still past due despite the approved forbearance and the skipped payments are being made three months after. I have called Ameris numerous times without resolution to the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Student loan accounts for a XXXXyears old? Didn't i told you i never been to college in USA?

Im really dismayed, shocked, emotionally and financially stressed because Ive disputed these accounts above and below with all the 3 major credit bureaus, cfpb and ftc compliance team, but it continues to report on my credit profile with incomplete, inaccurate, and unverifiable information and with multiple inaccuracies. There is no way that this account can truthfully be investigated due to those violations of reporting, plus Ive submitted FTC affidavit proving that I have never had any prior relationship with none of those companies. As you can see on the attachment, they have wrong Date-of-Birth, wrong Driver License ; wrong email, etc. Ive asked them directly to legally validate the debts, with all the required documents, and theyve failed to do so. ITS NOT IN COMPLIANT WITH THE CONSUMER LAWS AND ITS NOT MINE!

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 2021-02-09 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: MA

Complaint narrative:
Student loan accounts for a XXXXyears old? Didn't i told you i never been to college in USA?

Im really dismayed, shocked, emotionally and financially stressed because Ive disputed these accounts above and below with all the 3 major credit bureaus, cfpb and ftc compliance team, but it continues to report on my credit profile with incomplete, inaccurate, and unverifiable information and with multiple inaccuracies. There is no way that this account can truthfully be investigated due to those violations of reporting, plus Ive submitted FTC affidavit proving that I have never had any prior relationship with none of those companies. As you can see on the attachment, they have wrong Date-of-Birth, wrong Driver License ; wrong email, etc. Ive asked them directly to legally validate the debts, with all the required documents, and theyve failed to do so. ITS NOT IN COMPLIANT WITH THE CONSUMER LAWS AND ITS NOT MINE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I've had my Capital One credit card for over 5 years, and I was notified today ( by a third party credit monitoring service ) that my card had been closed. I contacted Capital One immediately to inquire about why they closed it, and they said it was closed due to 12 months of inactivity. 

I asked if I was notified previously about my card potentially closing, the customer service agent said they would have notified me via mail and email. I let the agent know that I was 100 % not contacted by email and that email was my preferred method of communication because I've moved temporarily due to covid. I also said I don't remember a clause about card cancellation for inactivity in the terms and agreement of the credit card policies I agreed to. The agent said there was no clause like that included ( so the customer is held to certain standards but the company isn't? ). And although being told that my account was recently closed at the beginning of this month XXXX XXXX XXXX, he said there was nothing that could be done. 

Instead, his solution was to reapply for another credit card with Capital One. So wait, you won't reopen my old account but your solution is to open a new one? My credit limit was XXXX and as I previously mentioned, I was a customer for over 5 years. Therefore, my credit card utilization and length of accounts will affect my credit score negatively, and this is being done in the middle of a pandemic at that. 

If I missed a credit card payment, they would have emailed, mailed, and called numerous times to collect payment. So I wish they would have tried harder to contact their customer about potentially closing their account due to inactivity- I would have gone out and used my card the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IA

Complaint narrative:
My husband and I were exposed to XXXX and were were forced to quarantine for 14 days in XXXX of XXXX, and then actually did get XXXX in XXXX of XXXX. We applied for mortgage forbearance in XX/XX/XXXX through the Cares Act and were approved for 60 days. When we were out of the forbearance period, I applied for reinstatement of normal mortgage payments with the two missed payments to be attached to the end of the loan. We have significant equity in our home that we have lived in for almost 8 years, and my husband and I both have excellent credit, so there was no reason this should not have been approved. The mortgage company, Lakeview Loan Servicing, instead created an entirely new loan for us with the same interest rate, but of course a new amortization schedule, which will cost us XXXX  of dollars in the long-run due to more of our payments going to interest versus principal for the next several years. The customer service rep I spoke to said that this is the only option for VA loans. This is ridiculous and was never explained to us when we applied for forbearance. This is a very sad situation that this mortgage company would treat military veterans this way, and the worst part is that most people would not realize the financial impact the new amortization schedule has and would have no idea that this was a bad thing. In my opinion, this is an unfair business practice and the company should be investigated as such.

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 2021-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: AL

Complaint narrative:
An account with Phoenix Financial Services showed up on my credit report for an account with XXXX XXXX XXXX XXXX. I sent a letter via certified mail to Phoenix Financial Services, which the company received XX/XX/2020. The tracking number with USPS is XXXX. The company has not sent me any documents validating this debt. I requested the agreement between the collection company and the original creditor, the original contract showing that I legally owe this debt, an accounting record of all transactions and proof that this company is legally registered to collect in my state. I have received nothing from them. This account is still reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and FNB Omaha. The Account Opened is FNB Omaha Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$18000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-02-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. BK OF AMER Inquired on XX/XX/XXXX, BK OF AMER Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy 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 2021-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: VA

Complaint narrative:
My complaint is about Axos Invest ( previously XXXX ) which is a robo-trader / savings account that invests my money into primarily domestic stocks. I have been unable to withdraw money from my account since before XX/XX/XXXX. 

On XX/XX/XXXX, I decided to call customer support as I was unable to withdraw money with the mobile app. I got a response from " XXXX '' saying that they were having an " IT issue '' that would hopefully be resolved that day. Since then, I have had multiple email correspondence with Axos Invest where the only answer I receive is that they are having " IT issues '' and are unable to do anything for me. 

From my position, I have been unable to access my account for nearly 2 weeks. This has caused me financial loss, as I am still unable to access the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX a 30 day late payment was reported on my Transunion credit report on a loan with the company XXXX XXXX. This was not accurate and I opened a dispute with Transunion and provided documentation that showed the payment was not 30 days late as reported and requesting it to be removed. Approximately 30 days later I received an email stating that the investigation had been completed and as a result the late payment was removed from my report. I checked my report and confirmed it had been removed as stated. Four days later on XX/XX/XXXX I received a credit monitoring alert stating that a 30 day late had been reported. When I checked my Transunion report, the same 30 day late that had been removed on XX/XX/XXXX had returned. I called Transunion and was told that while their investigation did in fact remove the late payment, it was re-added on the next monthly update from the lender. I asked for it to be removed again as it had just been investigated and found to be invalid just a week earlier and was told that Transunion can't remove items from my credit report. I questioned that since they had just removed it 4 days earlier and I was again refused and told I would need to open another dispute to have it investigated. Transunion has told me that I will have to open a new investigation literally every month going forward to have this removed each time individually. This is ridiculous. I opened the dispute, Transunion performed their investigation and determined the report to be invalid and they removed it. Now 4 days later it's back and they are telling me they can't remove it or block it from recurring. I am asking for the CFPB 's support in getting Transunion to remove and permanently block this reporting as it was already determined invalid by their own investigation.

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 2021-02-09 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: EQUIFAX, INC.
State: OR

Complaint narrative:
equifax has stopped me getting access to my freeze/unfreeze account. Apparently this is a very common problem with equifax. The other credit agencies do not have this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery is reporting 2 accounts as collections on my credit report. When I went on their website, they stated the accounts aren't within their office but with other collection companies whom I have no knowledge or even have been sent something in writing about. Nor do they list any acct numbers on their site.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I contacted AMEX credit bureau dispute regarding the reporting of my personal loan. They are reporting the account as a charge off although I am paying and always have been paying. On XX/XX/XXXX I entered into an agreement with AMEX to repay the loan on modified terms. They assured me that my credit would not suffer as a result. I was affected by the COVID pandemic. I pulled my XXXX credit reports and noticed that AMEX is reporting this account as a charge off. Yesterday, XX/XX/XXXX I contacted the credit dispute department of AMEX and I was told that since we agreed to a modification of the terms due to COVID that the account is being reported as a charge off. I have never in my life heard of such a thing. I was always making payments on the account but I was also told that when less than the minimum amount is paid, they are going to report as a charge off. My understanding and the law reflects that charge offs are when a business has been unable to collect a debt and subsequently writes it off as a loss. My account is still inside AMEX within their in house collection department. I never stopped paying on the account despite being affected by COVID. I have contacted an attorney and I am told we have a case but if I pay an attorney I will not pay AMEX. My credit score went from XXXX to XXXX. I need this account to be reported as a declared disaster due to the pandemic and making payments as required. This is NOT a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, SYNCB/AMAZON add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX DC add a hard inquiry on my credit report per XXXX. 

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 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 2021-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I invested in XXXX and XXXX  through Coinbase on XX/XX/XXXX in the amount of {$5000.00}. 
Apparently my account was hacked on XX/XX/XXXX. 

I have tried many times over last few years to contact Coinbase support but it is impossible to talk to anyone and their online support asks for information with an email that can not be replied to and they auto-close the ticket after a few days. 

This company is a complete scam/fraud with no customer support available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
My mortgage company Shellpoint Mortgage Servicing has put my account without my authorization into a forbearance plan on XX/XX/XXXX. 
Since then I have been calling twice a week and I have emailed them requesting the removal of forbearance plan. I received a letter and was told by customer service that I am not in forbearance and that is the IT problem and that the ticket was created on XXXX XXXX. Nothing is solved as of today XX/XX/XXXX 2021

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 2021-02-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: FL

Complaint narrative:
There are multiple problems with this company, but I could only choose one. This company accepts very limited means of payment and I had just moved and could not access all of my money to pay them in a way that they accepted. The most appalling thing about this company is that they do not close their accounts when asked to do so. They require you to ask two times and they show late payments on your credit report despite this. It is not clearly stated ( or even stated anywhere ) that you need to go through a two step process to close your account. It is predatory and the effect is to place late payments on people 's reports and harm their credit, not help people 's credit as they claim. It is harmful. This is a CD loan intended to help people, but they are lying it is predatory. Their practices are harming people 's credit through no fault of their own. They basically claim people are so stupid they need to protect you from closing your own account with them. They should be allowed to practice in this fashion. They are harming many people the way they conduct business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I've been with coinbase for almost a year and never had any trouble transfering money. 
A few months back coinbase asked me to verify my identity with a drivers license, ID or passport. I've tried to verify it about 70 times but each time without luck. It's been a few months since i've been able to withdraw or deposit money. Theres about XXXX in XXXX on this account. So i would like to be able to manage my account. 

The verification doest work, coinbase says that my date of birth doesn't match the one on my id, drivers license or passport. But it does. I've changed the information on my profile plenty of times and again without succes. Even got a new drivers license but without luck. 

Hopefully you guys can help me out. 

Kind regards

Company response to consumer: Closed with monetary relief