vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: SC

Complaint narrative:
because of covid I fell behind in my mortgage payments in XX/XX/2020. I started to work with my mortgage company on a plan to help. finally in XXXX they gave me a forbearance but for only a month. I sent them a payment and it was returned to me. I find out that they had sold my mortgage to s & n servicing and it had to start whole process over. right around this time I went to doctor for checkup and her saw a strange XXXX on my XXXX. it turned out to be XXXX and it had XXXX  XXXX to remove it and then XXXX to be sure. this fall effected my work once again. I have been sending info fir months to s & n and they finally sent me a proposal at beginning if XXXX XXXX there offer is to increase my payment from {$1000.00} to {$1700.00} and increase my interest rate from 3 to 4.5 even though interest rates are at and all time low. I fell like they are talking advantage of me because I dont have a middle man negotiating for me. this payment would take up more than half of my income. what can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
We received a letter saying that the mortgage company, Wells Fargo, had not received our updated homeowners policy. We contacted our insurance company and found that they had mailed out our policy to Wells Fargo on XX/XX/XXXX and the XXXX and the coverage did not expire until XX/XX/XXXX XXXX. Wells Fargo then proceeded to place their own policy on our mortgage. I have filed a complaint about this. However, now Wells Fargo has not paid our insurance premium for our insurance coverage as of XX/XX/XXXX and they are set to cancel our insurance as of XX/XX/XXXX, and have sent us a bill. We can not afford to pay our homeowners twice. 
Wells Fargo seems to be in no hurry to resolve our issue and we believe they are withholding our escrow money fraudulently. We pay taxes and insurance monthly to our escrow account and our credit rating should not be affected by Wells Fargo not paying for our coverage in a time.y manner.

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 2021-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: FORD MOTOR CREDIT CO.
State: LA

Complaint narrative:
I sent letters again on XX/XX/21, in regards to a inaccurate, unverifiable, and unknown account on my credit report. To this day, over 48 days later, I have still not received a response yet. I feel like they are taking advantage of me and ignoring my disputes. In Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 48 days so they should be deleted promptly. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. I have asked multiple times for an original application with my signature on it and have been ignored every time. Please remove this account immediately because it is hurting my ability with banking and receiving financial assistance and they are not responding to me. I really cant believe they are taking advantage of me like this. They are ruining my credit and my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HOME BANCSHARES, INC.
State: IA

Complaint narrative:
I received notice from my bank on XX/XX/2021 that the scammer who helped her accomplice scam me through a domestic wire transfer closed her account after she was ninformed that there was a recall for the transfer since it was sent fraudulently. to her. 
someone at the Centennial Bank in XXXX Ar advised XXXX XXXX to close the account so now i am requesting that Centennial Bank be liable for the {$1000.00}. If they do not send me the money within a reasonable amount of time i will file for prejudice against a scammed customer from one of their customers then i will notify XXXX about what has gone on with this bank Centennial as they are upholding a crook im sure the person in question has opened another account WHATS WRONG WITH THEM GETTING MY STOLEN MONEY FROM THE NEW ACCOUNT.. 

THIS PROBLEM WILL GET SETTLED ONE WAY OR ANOTHER THROUGH NEWS MEDIA 'S HELP OR YOUR WIRE TRANSFER DEPARTMENT :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: AL

Complaint narrative:
I have been disputing 3 accounts with Transunion for 4 months now and have not made any progress. These accounts are continuously reporting charge off EVERY SINGLE MONTH even though they are closed and charge off. This is effecting my last date of activity on my credit report there for it is never going to get removed if they keep this up. I have tried calling then several times and have sent several letters but I have not made any progress at all and it is really effecting my credit report and upcoming goals that I have and this is not fair! One account has even been reporting Charge off since May of last year. How is that even possible.

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 2021-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Hello. This is in regards to Caine & Weiner. As a debt collecting agency, they are attempting to collect a debt for a debt that was included in a bankruptcy. I have called, written multiple letters, and even provided them with a copy of my Chapter XXXX discharge paperwork. 

I have requested a copy of proof of debt and/or a reaffirmation letter which would have excluded this debt from my bankruptcy. All of my requests have been ignored. 

I have also disputed this item in writing with all three credit bureaus and the outcome is always the same. Account included in debt or updated. 

This is inaccurate. I do not have a debt with Caine & Weiner, therefore the credit bureaus should not be allowing this account to update. My debt was with progressive insurance and because it was discharged via Chapter XXXX, Caine & Weiner should never have received this debt. 

Caine & Weiner, XXXX, XXXX, and XXXX ALL have failed to provide with documentation validating this debt. The ONLY validation would be a reaffirmation agreement between myself and XXXX, approved by the bankruptcy court. Again, they have all failed to comply and have completely disregarded my requests. This seems as a direct violation of not only 11 U.S. Code 524, but of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: NM

Complaint narrative:
I had a loan for a travel trailer with US Bank. I paid the loan off early. I have requested a release of lien so I can register my trailer. I have called US Bank at least six times to request the document. The first time I called I was advised I would have to wait twenty six working days to get the document. It has been over 90 working days and over five phones calls and I still have not received it. US Bank is refusing to send me the the release of lien. This has been going on over 3 months which is totally unacceptable. XXXX  has my title but will not let me register the vehicle without the release of lien. XXXX stated that banks normally fax the release of lien to them, I called the bank from the XXXX  office twice and they refused to fax 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 non-monetary relief
Consumer complaint received 2021-09-18 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have been disputing 3 accounts with XXXX for 4 months now and have not made any progress. These accounts are continuously reporting charge off EVERY SINGLE MONTH even though they are closed and charge off. This is effecting my last date of activity on my credit report there for it is never going to get removed if they keep this up. I have tried calling then several times and have sent several letters but I have not made any progress at all and it is really effecting my credit report and upcoming goals that I have and this is not fair! One account has even been reporting Charge off since May of last year. How is that even possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have been disputing 3 accounts with XXXX for 4 months now and have not made any progress. These accounts are continuously reporting charge off EVERY SINGLE MONTH even though they are closed and charge off. This is effecting my last date of activity on my credit report there for it is never going to get removed if they keep this up. I have tried calling then several times and have sent several letters but I have not made any progress at all and it is really effecting my credit report and upcoming goals that I have and this is not fair! One account has even been reporting Charge off since May of last year. How is that even possible.

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 2021-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: AL

Complaint narrative:
Once I finished school I was never sent a letter, phone call or nothing stating that it was time for me to pay these student loans. It has 3 late payments back in 2019. I have called the company, sent emails to the CEO, and sent them a letter stating that I never received anything saying when and how much I was suppose to pay toward these student loans. The admitted that no letter was ever sent via their recorded phone call which could be pulled but they never removed the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I contacted The XXXX XXXX about getting my annual consumer disclosure via US Postal Mail XXXX 

I identified myself with a copy of my US Passport and electric bill ( with current mailing address ). 

The Work Number/TALX claims I did not proof of address and/or it was illegible. 

This is baloney. 

Enclosed is a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX To Whom This May Concern, Hope your day is well. I am requesting all my mortgage documents from my previous mortgage company " XXXX XXXX XXXX XXXX '' and the assigned mortgage company " Wells Fargo ''. 

Thank You in Advance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX. MORTGAGE : Amount : {$50000.00} Mortgagor : XXXX XXXX XXXX : MERS as nominee for XXXX XXXX XXXX XXXX. 
Dated : XX/XX/XXXX Recorded : XX/XX/XXXX in Document # XXXX XXXX. MORTGAGE : Amount : {$76000.00} Mortgagor : XXXX XXXX XXXX : MERS as nominee for XXXX XXXX XXXX XXXX. 
Dated : XX/XX/XXXX Recorded : XX/XX/XXXX in Document # XXXX Said mortgage was assigned to Wells Fargo Bank, N.A. as Trustee for the Certificateholders of the MLMI Trust, Mortgage Loan Asset-Backed Certificates, Series 2006-HE1, recorded XX/XX/XXXX, in Document # 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 2021-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I received notification from credit karma that an account in my name was in collections. I have no idea what this account is. It says {$150.00} is in collections by TRANSWORLD SYSTEMS INC, with an originator called XXXX XXXX XXXX for disaster relief from XX/XX/2021. I have been working in California as a XXXX and have no idea what this is. My credit score is wrecked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We want to have a full loss mitigation modification application submitted and reviewed. SPS offer charges us interest on interest and balloon payments and are using incomplete financial information Please reference the cfpb complaint document submitted XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/2021 I tried to transfer XXXX BTC from Coinbase to an external wallet that I control. I received a message that the send would be delayed unless I verified my ID. I sent photos of my ID and a selfie to them and was immediately logged out of my account. I tried to log back in and it says For your security your account has been disabled. I contacted support and they reenabled my account within an hour. I was able to log in but the transaction was canceled. I tried to initiate the transfer again and the same exact issue happened again. They fixed it again and the transfer was canceled again. However, the third time I tried with exact same results I get no response from support. They just keep merging my support tickets into one and no other response. I know that my external wallet address is good because I successfully completed a small {$10.00} transaction the day before. I am completely locked out of my account with no support whatsoever.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX an unknown individual deposited XXXX cents into my account. On that same day XXXX cents was randomly charged to the account without my consent. I tried to call paypal but could not reach them. I changed my password but two days later there was another random charge for XXXX and for XXXX. I contacted paypal and they said that their records show that the requests came from my devices. Paypal 's agreement clearly states " An Unauthorized Transaction occurs when money is sent from your PayPal account that you did not authorize and that did not benefit you. For example, if someone steals your password, uses the password to access your PayPal account, and sends a payment from your PayPal account, an Unauthorized Transaction has occurred. '' I did not authorize this payment and it did not benefit me. I do not care if a hacker is savvy enough to make it look like it came from my computer or phone and PayPal does not state that is a necessary component of establishing unauthorized transactions. According to Paypal 's own rules it doesn't matter how someone other than me authorized it, it only matters that I did not authorize it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I am writing to request an expedited payment review for the Public Service Loan Forgiveness ( PSLF ) with Fed Loan Servicing, my current loan servicer. I have repeatedly, over the last 4 years communicated, sent documentation, and requested correction of the payment count on my loans. My final 120 payments on the PSLF program will be XXXX. Due to the length of time and non-responsiveness of FLS, I have continuously tried to work with them to get the payment count corrected. There are 15 payments that are not being counted toward PSLF by FLS. 1 ) 13 payments made to Direct Loans XXXX that are not being properly counted by FLS. Documents 1,2,3 uploaded pertain to these payments. # 1 is a copy of the 13 payment receipts ; # 2 is a letter from Direct Loans that I am being placed on the Income based repayment ( IBR ) plan, a qualifying plan for PSLF ; # 3 is a letter from XXXX acknowledging that when my loans were transferred by Direct Loans to XXXX in XXXX, that paperwork for my loans did not transfer along with the loans. Next, 2 ) A payment made to XXXX on XXXX is shown as ineligible by XXXX. See doc # 4 attached copy of the payment receipt. Next, 3 ) A payment made to XXXX on XXXX is shown as ineligible by XXXX. See doc # 5 attached a copy of the payment receipt. Next, 5 ) A payment made to XXXX on XXXX is shown as Outside of payment window by XXXX. This payment was made to XXXX on XXXX. My loans were transferred to XXXX within a day of this payment causing the payment to be caught up in the transfer. The payment arrived at XXXX but was miscoded. Its still miscoded after 4 years in spite of repeated requests to have XXXX correct it. See doc # 6 copy of payment receipt made on time on XXXX. I need help!! Thank you for your time and work on my behalf. XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-18 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: FL

Complaint narrative:
About 5 months ago I decided to fix my credit and get on track again. I started asking to the credit bureaus to investigate two accounts 1. XXXX  and 2. XXXX  XXXX. 
The reason why I asked them to investigate XXXX  was because I contacted this company and they don't have any account under my name, which means Equifax is reporting an inaccurate information. I asked them to investigate XXXX XXXX BECAUSE ON XX/XX/2021 this account wasn't reported on XXXX, was only reported on XXXX AND EQUIFAX WITH A BALANCE OF {$12000.00}. And about two months after on XX/XX/2021 they added this account on all of my reports, the same account with a balance of {$12000.00}. I will attached a copy of my credit report on those dates, that way you can see all the inaccuracies that I found. I hope you can help me with this two accounts that are hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I was forced to send letters again on XX/XX/21, in regards to a inaccurate, unverifiable, and unknown accounts on my credit report. I have filed an FTC report because I have still not received the information that I asked for with the paperwork that I keep requesting. I even offered to pay some of these accounts off just to get them off of my credit even though they have never proven that these accounts are mine. You are only supposed to report information that is 100 % accurate, complete, and verifiable. This information is not accurate, they have not verified it, and it is reported incompletely. I feel like they are taking advantage of me and ignoring my disputes. I have went to the XXXX  and have filed an FTC report. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. I have asked multiple times for an original application with my signature on it and have been ignored every time. Please remove these accounts immediately because it is hurting my ability with banking and receiving financial assistance. I really cant believe they are taking advantage of me like this. They are ruining my credit and my life. I have sent the FTC report to each bureau as well.

Company response to consumer: Closed with explanation