vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I was in forbearance with Rushmore Loans from XX/XX/XXXX to XX/XX/XXXX and I have the forbearance documents stating that. I have made 6 payments and the requirement is only 3 since exiting forbearance and I am trying to refinance my loan. The lenders I have worked with say they can't refinance my loan because my current lender has me going through a loan modification trial period. They raised my payment about {$150.00} for the last three months to see if I could make the payments, and I have. I want to refinance this loan to get a lower interest rate and prevent my current lender from only giving me the option of a modification. Their plan is to take my missed payments and add that to my current loan balance. I do not agree with that and feel that is predatory lending practices. Why should the missed payments be added ON TOP of the loan balance rather than at the end. They will get their money because IT IS ALREADY PART OF THE LOAN. So if I owed XXXX and I missed XXXX in payments, HOW DOES THAT MEAN THEY CAN ADD THE XXXX ON TOP TO MAKE A NEW LOAN BALANCE OF XXXX???? IT DOESN'T MAKE SENSE. I DID NOT GET ANY EXTRA MONEY. If anything, they should just extend the length of the loan, not add it to the balance.They refuse to work with any of the lenders that contact them about my refinance. They just say I am delinquent and never mention the forbearance. They will not give up any documents at all. 
Anyway, the new lenders are telling me that even though I exited forbearance, made double of the number of required payments after forbearance, they can't refinance me because my current lender is dragging their feet to do a loan modification!! How is this even fair??? Is it true that I can't refinance if they are doing a loan modification??? If so, WHY NOT??? They will still get their money because I have to refinance the entire amount of my original loan anyway. If this is common practice, HOW IN THE XXXX DOES THIS HELP PEOPLE WHO HAD TROUBLE DUE TO THINGS OUT OF THEIR CONTROL ( C O V I D!!!!!!! )????? Please return my email or call me at your earliest convenience so i can get out from this terrible lender!! Please have a heart and help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: AFNI INC.
State: MA

Complaint narrative:
I tried to contact all the lenders involved with negative balances reporting on my credit report even though they do not belong to me, They sold off the accounts and they said to call XXXX and dispute saying they can't do anything. I would like all these negative collections removed because they are not in my name and I have no recollection fo opening nay of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Forced place insurance- when we proved 5 months prior to billing us that we had insurance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: TN

Complaint narrative:
I have paid off my amount for the XXXX equipment that I purchased back in XXXX of last year. My last payment I paid in full with no balance owed this year in XXXX. I was told that I would not be penalized for missing a payment due to the representative inserting my method of payment incorrectly. The manager stated that he will take care of it and I would not be charged for a late fee. I have been harassed by email and calls for the amount that Conns XXXX are saying that I owe. I have been back and forth with different reps there that said they will take care of it, and when it comes to find out they did not. I did not hear from Conns until XXXX of this year stating that I owe them. I thought it was taking care of because the Manager stated to me earlier this year that it would be taking care of. I am being Harassed!! Im am tired! They are not trying to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: OK

Complaint narrative:
My credit report on equifax only for many months has shown a credit card from XXXX XXXX which I have never had a card from. 

This card does not show up on XXXX or any other agency. When speaking with equifax, they indicated I had to speak with XXXX XXXX about it. 

I have called multiple numbers at XXXX and have been told by many departments they can not find my social, my old addresses, my name, and birthdate, or any other information, however when Equifax checks ( With whom I have filed multiple disputes ) they say that XXXX is reporting I do have a card with them. 

I have even sent a certified notarized statement that I do not have a card with them. 

I do not know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
SECURITY CREDIT SERVIC Contact XXXX XXXX XXXX XXXX XXXX, MSXXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$18000.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
My account was locked by Capital One after my small business received funding assistance for payroll, merchandise, and distribution. Attached are the documents requested per Capital One. 

As a customer of Capital One for many years, I am distraught and saddened to see that many other customers who run businesses have also had to go through this tumultuous ordeal when the Pandemic was already very hard on us just trying to help our businesses succeed. 

These businesses have employee, family members, distributors, etc- all who rely on our business to survive, so you can understand the frustration and dismay that comes with Capital One harming small business such as mine. I have encounter hundreds, if not thousands of people who have expressed the same issue, even some who are starting class action lawsuits who perceive this to be a violation of CFPB rights. 

Nonetheless, I have obliged per the request of Capital One and attached are the necessary documentation. 

I have a small business and it is fairly easily to establish the legitimacy of my business just by simply searching my name or my business, absolutely disgusted with Capital One for their baseless accusation and how they have handled this situation. I do understand inquiring to some businesses but it is wrong to attempt to Harass, intimidate, and vilify small business for no other reason than needing assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
ABSOLUTE RESOLUTIONS I Contact XXXX XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$4100.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
National Credit Adj is reporting a collection account to my credit reports. They did not send a notice or provide an opportunity for the debt to be validated or disputed. I mailed a certified letter to the company requesting validation of the debt on XX/XX/XXXX XXXX They did not respond and continue to report the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
On XX/XX/2020, I received a payment in the amount of {$35.00} via my Paypal account. The payment was recieved from XXXX. XXXX is an American Company dedicated to fitness and exercise. Paypal will not release the payment to me. After repeated calls to Paypal over the past 12 months, I receive the same excuse, " Our Compliance Department has to look into the matter ''. I am told I will receive email updates and never do. I have been given no reason. 12 months have passed and Paypal has been unable to figure out a {$35.00} transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
ABSOLUTE RESOLUTIONS I Contact XXXX XXXX XXXX XXXX XXXX XXXX, MNXXXX  ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$4200.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Since the beginning of 2021, I have been making regular mortgage payment plus additional principal payment in an effort to payoff current mortgage. Since XX/XX/2021, I have had to call Mr Cooper because of misappropriation of the principal payments. Mr. Cooper will take the principal only payment and divide it into principal, taxes and interest. After placing a call, i would be reassure that they would reapply the extra amount to principal only. I was also informed to make regular monthly payments then the next day make a principal only payment. In XX/XX/2021, I make a regular payment then the following day a principal only ; however, the principal only was misappropriated again. I am needing assistance with Mr. Cooper to insure that my extra principal only payments are applied according to my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: MA

Complaint narrative:
I contacted Discover Finicial Services in order to figure out why I have a outstanding balance and why I had a open account that was reporting under a different name but same social, It was identify theft. I left them know that I never opened a account with them and they proceeded to tell me that the account was sold off and they couldn't do anything to contact XXXX dispute it and get removed even though the account is not in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies XXXX XXXX XXXX XXXX, TransUnion ) and the Creditors ( Bankruptcy Chapter XXXX ( 2 ), XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
ABSOLUTE RESOLUTIONS I Contact XXXX XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$21000.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: UT

Complaint narrative:
In XXXX of XXXX I opened this account with Coinbase.

I purchased about {$1200.00} of Crypto. Then another transaction appeared that I did not authorize. A debit from my XXXX XXXX XXXX  account. 

I immediately questioned it and the email took a week to get a reply. They froze my account to investigate my claim. 3 months pasted.!! They ignored all efforts to find out what and why it took 3 months. 
The determined they were completely innocent and it was on me... Of course they did. 

After this happened I tried to access my account to close it and still blocked. I try and try for months to gain access to close my account but they keep changing the requirements and then don't reply for several days. 

I even sent at their demand a selfie, yes a selfie of me holding a hand written note, dated, with my drivers license. And then that was not enough. Today I got a email after reporting this to the SEC, and same thing, they thanks me for my patience and we start the same exact thing again with no results. 
So after 10 months of trying and failing to get my money back I need help please. 

Coinbase is a XXXX company and do not have US customer service. Evidently they will do anything to keep your money. The are unwell to resolve the problem and the consumer is powerless to do anything but get help from agencies that have authority to discipline these type of companies. 
As a XXXX XXXX I can not afford to loose my {$1500.00} Please please help me!! 

Thank you for your help. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX, I was a victim of a sim swap. It was a hacker attack, the hacker accessed my acct and took out about $ XXXX {$50000.00}. When I realized about this I contacted Coinbase right the way. The only way to contact them was through email, and it took a couple days before they answered, but didn't take any steps to stop the attack, to block my acct. They had an option to block the acct over the phone but even that was not working, because I did it. Just a few days later I saw 2 transactions into my personal banking acct of {$1000.00}. So not only that the hacker took the $ XXXX {$50000.00} from my acct, he tried to get more from my bank acct that was linked to the coinbase acct. 
On XX/XX/2021, I read the news all other that Coinbase is reimbursing the funds to the victims of the hacker that used the 2 factors authentification system, including the sim swap cases, from XXXX to XXXX. My situation happened on XX/XX/XXXX so immediately after this period. Coinbase refuse to reimburse me saying that my email is not on their list. So please help to clarify this situation, since they assume their fault in all this hackers attacks but they refuse to reimburse when I have this exact situation. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Hudson United Mortgage LLC
State: NY

Complaint narrative:
Hudson United Mortgage mishandled my escrow at closing and failed to pay the due taxes. They have been uncooperative in fixing their error and now my monthly bill has gone up {$1000.00}. They do not return phone calls, they blame others and do not provide any documentation of reparation of their errors. I need help to get them to fix their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC BANK

Contact
XXXX XXXX XXXX XXXX, OH 44101
(XXXX) XXXX-XXXX  
HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF $XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX-XXXX-Balance {$0.00} XXXX  XXXX-XXXX-Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: DC

Complaint narrative:
The Bankruptcy Court should be the furnisher of information, not a third party source such as XXXX  or XXXX XXXX. 
The Bankruptcy Court has stated that they do not furnish information to third party agencies. 
I Am requesting to see what was used as proof to verify the alleged bankruptcy and if Transunion is unable to provide it, the bankruptcy must be deleted. Transunion must disclose the source of the information.. 
Transunion initially stated that XXXX was the furnisher of the information.Now that XXXX has stated that they have no public record on file, Transunion now alleges they got the information from XXXX XXXX is an online system that only lists the last four of any social on their siteI am now requesting the following : * Persons name that verified the dispute *Time of Communication * Documentation used to verify the dispute. 
- Pursuant to 15 usc 1681a- ( e ) e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

.

15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction Thats 3 violations If 100 % proof and documentation from XXXX, The Bankruptcy Court, or XXXX Neighbor, Freinds, associate is not provided, Bankruptcy must be Delete Immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX is trying to collect money we don not owe them We were insured by XXXX until XX/XX/XXXX and did not renew. Mean while when we relocated temporary we signed insurance coverage with a different vendor that started in XX/XX/XXXX XXXX claims we owe them money after their policy expired but we did not renew with XXXX In XX/XX/XXXX We received collection letter from Waine & Cainer that we owe {$820.00} We contacted Waine & Cainer and sent them copy of Proof of insurance that we were covered by other carrier at the time XXXX Claims they insured us. 
Several times they refused to except this and kept harassing us. 
Last month they finally excepted that we do not owe this money and said that we are all good. 

Until yesterday, when I received another letter of collection from Pucin & Friedland for the same issue that I thought we just resolved. 
Looks like Waine & Cainer and Pucin & friedland is a related company and just refuses to except that we do not owe any money I just want them to stop this and remove and negative impact on our credit Thank you

Company response to consumer: Closed with explanation