vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-13 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:
Lets just say for many years but let 's just talk about 2021. So Since XXXX of 2021 every single month untill which is XXXX I have disputed/pleaded and requested for TransUnion XXXX and XXXX to do their job. I have requested all 3 every single month to do a independent investigation on Certain things which inaccurate and falsely reporting on my credit files.Instead of following the FCRA Guidelines and doing a independent investigation on my behalf they have refused and keep defaming me and families by name falsely reporting these inaccurate and fraudulent activity which is in accurate or doesn't belong to me.. 

This includes Late payments when I was never late /inaccuracy in their own payment reporting history like XX/XX/XXXX late/XXXX XXXX late/XXXX OK /XXXX 60 late and XX/XX/XXXX late again Also reporting the same account twice same furnisher same dates same amount due literally the definition of double jeopardy. 

To Reporting collections like a apartment in a city I have never lived or will live To not reporting a statement of this account is being disputed To even reporting on a Account I closed months ago and was reporting as closed to currently 60 or 90 days late with a balance but still closed that because of their false reporting just dropped my score from a XXXX to a XXXX And alot more I can tell you once this taken care of to start And because of these inaccuracies and lies have caused me to lose numerous loans for my business.

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 2021-09-13 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
3RD COMPLAINT, THE CHAMPION MORTGAGE STILL REFUSES TO RETURN MY CALLS, OR MAIL ME COPIES OF ALL MONTHLY STATEMENTS FROM XXXX. THEY DID RESPOND VIA UPLOADED DOCUMENTS FOR XXXX, BUT THOSE DOCUMENTS I HAD ALREADY RECEIVED 6 TIMES VIA MAIL. THE COMPANY REFUSES TO ACKNOWLEDGE MY CREDIT LINE INTEREST GROWTH AND FAILS TO PROVIDE THE AFORMENTIONED DOCUMENTS. I MADE A CREDIT LINE DRAW FOR XXXX IN XXXX AND AM STILL GETTING THE RUNAROUND. REVERSE MORTGAGE RULES STATE THEY HAD 5 DAYS TO PAY OUT MY DRAW. REVERSE MORTGAGE RULES ALSO STATE THE SERVICER MUST HAVE ALL MONTHLY STATEMENTS ON FILE. I HAVE BEEN HAVING THIS PROBLEM SINCE XX/XX/2021. 

THE CREDIT LINE DRAWS OUTLINED BY THE COMPANY DO NO NOT PROVIDE SUPPORTING DOCUMENTS AND FAIL TO ACCOUNT FOR THE INTEREST GROWTH FROM XXXX, AND XXXX. PLEASE ESCALATE MY COMPLAINT TO A COMPETENT ACCOUNTANT IN REVERSE MORTGAGE SERVICING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: FL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I sent letters re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly 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 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INTIAL DISPUTE XXXX 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I made 5 transactions totaling {$500.00} ( {$100.00} each ) to coinbase on XXXX for crypto using XXXX i only recieved 1 out of 5. I've tried contacting coinbase with 5 different emails and no one responds to emails or answers the phone. Attached is the purchases I made using XXXX on XXXX. Also my transactions from coinbase which shows only one went through. I tried disputing the charges with XXXX and they can not help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I refinanced my home loan earlier this year and set up automatic monthly payments. I was than told my loan was sold to SunTrust ( a company I have never heard of and do not trust ). I received mail but since I did not know the company I assumed these were fraudulent. I than started to receive notifications that my mortgage was over due. As far as I knew I had automatic deposit occurring. Please also note that I am a healthcare provider and a single mother. I have not been micro managing my checking account since I do not have time... I have now spent over an hour with Sun Trust on the phone trying to figure out who they are... I was told they are around for a few years. What ever that means. I have also attempted to sign up for online access and they blocked my account... I am now sitting on hold for another hour waiting to talk with someone about unblocking my account so that I can see what is going on. I am more than upset that I have to be waiting my time when this was NOT my issue. I continue on hold...

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 2021-09-13 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
i was checking into the application on experian to see how my credit and my credit score doing to see if they went up or down.when i look into that it say that my credit score was unavailable when i call the experian customer support.the only thing she was told me was that they had on error on my credit report i know that the main reason not able to view my credit score .iam asking her if she be able to fix that error her respond was that she not able to fix it and she going to transfer me to a customer service again so iam not able to see my credit score because of that internal error .other thing she told me was that for me in order to see any activity on ny credit report was that the creditor report to them about my account but by law they not obligate to report to them so my ability to obtain or receive credit went to dead end

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 2021-09-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
M & T Bank acted more egregiously than impersonating law enforcement : They abused tax payer dollars and send multiple police to my HOME attempting to collect a debt that I had been trying to pay for 4 months. 

In addition, I had informed them that I was out of the country MULTIPLE times, and they had the police harass my tenant anyway. 

I have been attempting to get answers about this abuse for months now, and they NEVER address my concerns. 

Absolutely filthy behavior.

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 2021-09-13 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Mortgage loan process was difficult to say the least, but the final straw came when we were ready to close on house and Suntrust bank FAILED MULTIPLE TIMES to send money to our lawyers office. Once that was completed, we are now having problems trying to pay down the loan! On XX/XX/2021, we paid a lump sum of {$520000.00} to pay down the loan to {$20000.00} dollars. As of XX/XX/2021, no payment has been processed and on top of that we get a computer generated email that we are late on payment! ( payment due XX/XX/XXXX ). To rely on Teller Coordinator to solve this problem is totally UNACCEPTABLE!

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 2021-09-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: TN

Complaint narrative:
XXXX XXXX XXXX prepared transfer papers for a lady with XXXX she states she payed him XXXX XXXX dollars for this service. I have a copy of the papers they make me the owner of XXXX XXXX dollars. The money is in Mellon bank of new York Mellon P'O.C. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX phone XXXX Mr.XXXX XXXX XXXX he has asked me for I.D . have performed every task that he has asked still no transfer of Funds. Ms. XXXX XXXX the donor offered me a percent of the fund an it was intented for the sick and homeless. Fact Mr. XXXX is in a Organization That helps people that are homeless and sick now see the connection and has been associated with Ms.XXXX  with church matters. The acronym for the Organization is ( XXXX ) this is a confict of interest on the part of him over seeing XXXX XXXX dollars. Then take into the fact he had the papers prepared for me to receive the funds. I would Appreciate your Agency looking into this matter. 
cc file XXXX XXXX By The Way Mr.XXXX XXXX XXXX is also a XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
I recently closing on my refinance with Carrington Mortgage on XX/XX/2021. Due to ongoing issues with XXXX XXXX company I excercised my right to shop for a title company. However, was denied twice by the loan officer/ Carrington . Due to my personal hardship I feel I was forced to use a title company that was not working in my best interest. I closed on my loan XX/XX/2021, my three day waiting period was extented to six days b/c they lost my quick claim deed. I spoke with XXXX XXXX at Carrington Mortgage service and my desired outcome was to refund my title fees since I was denied the right to shop for the services and was told no since I closed on my loan his V.P would not grant my request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
I have Purchased Crypto From Coinbase On XXXX XX/XX/2021, worth of {$39000.00} via wire transfer thorugh XXXX XXXX. But somehow my Account got compromised so i had to disable my account. After that i tried to enable my account for like more than 15 times, I even got my ID verified a lot of times but there was no progress in getting my account enabled. I also created tickets to the help centre of coinbase but nothing changed. After so many attempts of getting my account enabled, I suddenly get an email from coinbase saying that i am not allowed to do anymore transactions on it and they have stopped all the services for me, and now i have just been left with one option that is to withdraw all funds. But as i see there on my coinbase account, I don't have any linked bank account on the platform and when i try to add an account, it says it won't allow me to add an account. So, it means that my money is stuck with them and i can not get my money out of coinbase. 
I even recieved an email from coinbase support saying that they can not help me any further. 
Kindly help me recover my funds from coinbase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP
State: MA

Complaint narrative:
Attempt to collect on an account that was charged off. They called and mailed notices about this but no further information.

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 2021-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Our second mortgage was discharged in a bankruptcy and the company Shellpoint Mortgage Serving also " wrote off '' the debt. We are requesting a letter from them stating this has been discharged so are insurance company does not require checks to be sent to them as they have cashed it and left us without funds.

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 2021-09-13 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: FL

Complaint narrative:
On XX/XX/2021 and XX/XX/2021 I sent letters re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly 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 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My complaint is with Experian credit agency. I have submitted a Letter of Good Standing from XXXX my school loans. I have nine accounts all under the same number. I spoke with XXXX a supervisor last week my information have been received and I was told this by several employees. I was told the Letter of Good standing would be placed next to these accounts as of todays date that information have not been added. Potentially negative should not have been placed by my school loans ; the last missed payment was in 2015. 

I checked my credit profile and XXXX student loans are in dispute. Thats not what I asked for when I spoke to XXXX. XXXX sent the Letter of Good Standing on these accounts. Im beginning to feel like Experian is deliberately sabotaging my credit profile. I also have a problem with them correcting two other accounts that I filed a complaint against those companies and the decision was one was to be removed and the XXXX said to enter dispute/ fraud. 

On this complaint with Experian I want In Good Standing added next to my nine XXXX accounts. They have the letter from XXXX. Instead they just open a dispute and do nothing. 

Assistance in this matter will greatly be appreciated. I will file two other complaints against Experian for deliberately entering incorrect information on my credit profile.

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 2021-09-13 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: GA

Complaint narrative:
I like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXXand XXXX XXXX XXXX  XXXX. I have attached a copy of the ID Theft Report with this complaint. The report number is XXXX plese review.

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 2021-09-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
We are currently trying to close on a VA Mortgage with PNC Banking. As of XX/XX/2021 we are 13 dates past our closing date with no closing date in site. PNC has repeatably asked for the same documents multiple times. At one point we were told after two weeks of re sending documents they said they finally found them in a file that was done by another processor. Our appraisal was done in XXXX and we finally received the notice of value Friday XX/XX/XXXX, I was told this is a federal violation by not sending it 3 days after. We have not received a copy of the full appraisal even though we have been repeatably requesting it. The slow response to giving the notice of value and appraisal is an issue since the house did not appraise at value and the contract needed to be amended and renegotiated. They have told the seller 's agent they had all documents needed from them and then for weeks are requesting documents from us that should be coming from the the seller. They refuse to return any phone calls or take any phone calls from our real estate agent so that she can get documents and corrections to them. Tomorrow XX/XX/2021 we are breach of contract and in danger of losing our {$5000.00} in due diligence and are we are having to spend money for rentals on because we are so far past our closing date. We have been told by processing agents during conversations that they will just let our loan seat on their desk for a week. We have to call customer service lines because the loan officer, loan processing agent and the loan processing manager do not pick up their phones nor do they return phones. Any help would be greatly appreciated. We were told by our real estate agent this was our best option for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Attempt to collect on an account that was charged off. They called and mailed notices about this but no further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: CA

Complaint narrative:
XXXX *Opened online account with Equifax *Attempted to lift a security freeze for limited time frame *System blocked me from being able to manage/lift the security freeze *Error message appeared stating " We are temporarily unable to retrieve the status of your security freeze. Please try again later. '' *Tried several ( AT LEAST 6 TIMES ) times to access and lift security freeze online without success *Tried to lift the freeze by phone - called at least 5 times *Entered all correct security information to verify my identity *Phone system message stated " we could not verify your identity with the information provided ''. 

*Sent written letter to lift freeze on my account *Freeze is still in place I AM ATTEMPTING TO LIFT A SECURITY FREEZE SO THAT A LENDER CAN RUN A CREDIT CHECK - EQUIFAX IS IMPEDING MY ABILITY TO COMPLETE THIS STEP IN BEING APPROVED FOR A HOME LOAN.

Company response to consumer: Closed with explanation