vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-15 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: TrueAccord Corp.
State: SC

Complaint narrative:
True Accord XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX True Accord claims that I owe them {$160.00} Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt creditor did not verify collection. Also, there was NO written form of communication for contract or signature for the accused debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NM

Complaint narrative:
I qualified to participate in a deed-in-lieu with my mortgage company, Carrington. 
They proposed a XX/XX/XXXX closing to acquire my property, then cancelled. After several calls, emails over several subsequent weeks, I learn through various case workers in the short sale department that a " custodial file '' for my case can not be located just yet. There is no proactive response to me, no explanation from my caseworker XXXX XXXX, no apologies and most importantly, they can not provide me with a timeline for closing and completion. My attorney XXXX XXXX even emailed Carrington/XXXX. XXXX indicating that the process has stalled, and with no response to him. Meanwhile I am required to maintain the property and keep utilities connected, at great expense to me to keep the agreement in force. This is an incredible cost burden for me, a homeowner who is already cost-burdened to have to resort to a deed-in-lieu process to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I sold my house on XX/XX/2021. My mortgage was sold by XXXXXXXX XXXX to JPMorgan on XX/XX/2021. In the days before the close of the house sale, JPMorgan paid {$3300.00} to my insurance company, XXXX XXXX XXXX, from my escrow account. This was for a policy that was to begin XX/XX/2021, a week after my house was sold. I contacted my insurance broker, and the policy was cancelled. The premium of {$3300.00} was mistakenly returned to XXXX, instead of JPMorgan, because XXXX XXXX had XXXX as the lender on file. According to XXXX, they wired these funds back to JPMorgan on XXXX and provided me with a wire transfer #. JPMorgan confirmed that they have a record of the transfer from XXXX, but their records have a note saying that they returned the funds back to XXXX on XXXX. Yet, JPM could not provide me with a confirmation # backing up this claim, and they told me they were supposedly researching what happened. XXXX has stopped being helpful, and is now just pointing me to JPMorgan, but JPMorgan is unable to confirm whether or not they did in fact send the funds back to XXXX. Neither company wants to take responsibility or refund me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXXXXXX XXXX for XXXX XXXX master card automatically renewed my credit card and charged XXXX dollars for the annual fee that isnt due until XXXX for {$100.00}. They turned it in to the Credit bureau and XXXX XXXX notified me of the change of score. My credit score dropped 32 points, per XXXX XXXX TransUnion report because of the increase of {$100.00}. I called XXXX XXXX and tried to discuss this problem with them but was told that they couldnt do anything but take me off of auto renewal. I tried to discuss this problem and was told they couldnt do anything about my credit score. This is unfair. I paid off the {$100.00} charge today, XX/XX/2021, that wasnt due until XX/XX/2021. I also told them to take me off of auto renewal. They did the same to me last year, This practice seems very unfair to me. I have been paying everything on time and trying to pay off items when I can. I have paid extra on my home and am trying to improve my credit score. Please help me to have this drop in score replaced back. 
Thank you, XXXX XXXX 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 2021-08-15 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: CA

Complaint narrative:
On XX/XX/21 I sent a letter to TransUnion asking them for the method of verification they used to verify the bankruptcy they have on my credit report. 

On XX/XX/21 TransUnion replied that the bankruptcy was " verified as accurate '' without providing any method of how they actually verifired this information. 

On XX/XX/21 I sent a follow up letter asking for documents and methods used to verify this alleged bankruptcy. On XX/XX/21 they replied the information was verified through USBK Court XXXX XXXX. 

On XX/XX/21 I sent a follow up letter with two inclosed statements from the USBK Court stating they DO NOT report to the credit bureaus or any 3rd party reporting agencies. This means the information could not have been properly verified and needs to be deleted from my credit report. 

On XX/XX/21 TransUnion replied again stating the information was " verified as accurate '' through the USBK Court XXXX XXXX 

On XX/XX/21 I sent a third follow up letter, again with supporting documents directly from the USBK Court stating they do not report to any credit bureaus and demanded that this UNVERIFIED bankruptcy be deleted from my file within 30 days in compliance with the FCRA laws. 

On XX/XX/21 TransUnion sent me the same letter again claiming the information was verified through the USBK 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 2021-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My complaint is about Synchrony Bank closing my Paypal Credit card ridiculously to expropriate 2 % cash rewards. 
During the card statement ( XXXX ), I spent {$20000.00} through 4 transactions and would earn {$410.00} reward after the period ended. But Synchrony bank closed my credit card on XX/XX/XXXX when balance is XXXX. 
Their explanation was " I'm a high risk user ''. But, ( 1 ) my credit score is over 750 without any overdue issue and ( 2 ) I paid off balance at the same day when I swipe above 4 transitions.

( 3 ) the balance is keep XXXX. 
It's ridiculous how risky I am for Synchrony bank! 
Then I asked to reinstate my credit card. but I got their final declining decision later. 
However, in that week, I got a pre-approval letter from Synchrony Bank to apply for new credit card. This offer prove I'm qualified for their credit card without high risk. 
It's obvous that they just find a excuse to closed my last credit card to reject to pay my hihgh reward of {$410.00}.

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 2021-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: HI

Complaint narrative:
Was contacted by Monroe and Main by mail in XXXX or XXXX about an amount owed. I contacted the company and explained I have never purchased or had any transactions with the company. They continued sending mail stating that the amount needs to be paid or debt collectors will be sent along with my credit score dropping. Monroe and Main also started harassing my Mother with phone calls about the debt. My mother and I put in complaints to the company along with XXXX and State agencies. She stopped receiving calls in XXXX and we thought it had been resolved until recently I found out my credit score is very low due to Monroe and Main submitting and falsifying that I owe them payment. I don't have the records but will continue to file complaints as necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Security National Financial Corp
State: TX

Complaint narrative:
In XXXX some of my houses were damaged in Hurricane Harvey. As a result I used the forbearance plan on some mortgages to allow time for insurance claims to process. The houses were fully repaired and all loan were brought current within the forbearance time frame. None of the loans were refinanced, modified or any loan documents signed all amounts due for the forbearance time frame were fully paid. In XXXX of XXXX one of the mortgages showed up on my credit report with the comments " Paying under a partial payment agreement '' which the credit reporting agencies interpret as late or delinquent payments. My credit score dropped ~ 60 points. Since then I have filed disputes with the credit agencies and contacted the lender. The lender has not corrected the inaccurate reporting to credit agencies and is continuing to report false information every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I made a phone call to equifax about some unauthorized inquiries I dont recognize. The rep told me they didnt have to remove anything off of my report because they dont follow the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper Mortgage Company did not resolve my issue as it should have been. Please refer to complaint number XXXX. 

Mr. Cooper reported to me that they had the right to report a late payment to them. yet on XXXX XXXX I spoke to a representative from the Company who told me my numerous complaints to Mr. Cooper were still under review. I commented at that time that I was concerned if it wasn't reserved soon that it would affect an issue with my credit. I was told by the representative that I didn't have to worry about that as everything was still under review. If they record their calls as they state, they can listen to them and hear what I was told. Not believing that Mr. Cooper was moving fast enough I went ahead and made the payment they had requested even before the issue had been resolved. After this they reported a late payment to all three credit agencies effecting my score by almost 100 points. 

I have the legal right to have this removed from my credit reports. 

Please re-investiage. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 



P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Transunion and XXXX ignore my letters disputing a hard Inquary from XXXX XXXX XXXX. I write them 2 letters each in the pass 6 months they never respond and XXXX XXXXXXXX hangs up on me when I call there company

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 2021-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: KY

Complaint narrative:
Coinbase has locked me out of my account for approximately one month, which includes approximately {$1400.00} in my wealth. I have been locked out of this account despite filing a CFPB complaint on XX/XX/2021 ( XXXX ). 

As I mentioned in that complaint, I no longer have access to the email address on file with Coinbase ( XXXX ). The only reason I had to use that email address for my credentials is due to Coinbase erroneously trading XXXX on my account ( XXXX filed on XX/XX/201 - this error was never actually resolved, and the company blatantly lied/ignored that I did not place a trade that ended up costing me money ) and subsequently locking me out of my account when I attempted to reach customer service ( apparently attempting to contact the company is grounds for freezing accounts, which is awful customer service ). 

At this point, I can not access my account, which has implications such as : - My wealth being tied up in cash when it should and would be deployed into appreciating assets otherwise - My inability moving forward to access tax documents pertaining to realized gains/losses on Coinbase crypto trades, which will hamper my ability to accurately file taxes with the IRS At this point, I know the company is terrible - but I am asking that I once and for all get access to my own wealth. When that happens and I can move my funds off the platform, Coinbase won't have to ever hear from me again ( as I will never use this company again ). 

If I am not promptly contacted via phone ( XXXX ) or my actual, current email address ( XXXX ), I will continue filing CFPB complaints every month, I will seek legal action via class action lawsuits, and I will do everything in my power to let everyone in my network understand the issues with Coinbase ( and subsequently why they should use competitors, such as XXXX, XXXX, etc. ). 

To be abundantly clear, this means that the typical non-sense " help '' email from Coinbase to an email account I can not access is not an acceptable outcome, nor is it even a resolution in any sense of the word. 

Coinbase should be ashamed and embarrassed by the customer service deficiencies that have become glaringly obvious over the past years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX my credit card was locked with no notification, email or by mail which is against company policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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: Kriya Capital, LLC
State: AL

Complaint narrative:
Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction XXXX on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with non-monetary relief