vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I spoke with my mortgage company in XXXX asking them the impact on the escrow for the deferred payments, I told them I did not want my escrow to increase once I have completed the fb and subsequent deferment. They said my payments would increase so I advised I would make a payment for all the past due escrow payments to avoid this, the agent processed a payment over the phone for me for {$5700.00} and posted to escrow. They said ok, I was contacted advising me that my COVID forbearance was coming to an end and that they could either extend it another three months or complete with a deferment to the end of my loan. I asked them to extend, they went on to tell me that more than 12 consecutive months can not be done so I would have to pay for the XXXX payment and that they would give me a fb extending me thru the end of XXXX. I asked them how that is an additional 3 months?? That is not three months. A couple weeks later I received a letter detailing all of the payments owed, the payments included the escrow I had already paid. I called them and advised them that the payments indicated in the deferment letter was incorrect. They told me that regardless of me paying the escrow, they will still put the entire PITI at the end of the loan. I told them that is not correct and requested that they reverse the payment posted to escrow, conclude the fb and defer the payments, and then use that money to post the next two mortgage payments with the overage to principal. They said ok. In the interim, I received a collection letter advising that I did not qualify for forbearance or deferment. I reached out and they said the letter was incorrect, they asked me again if I wanted the fb and I said yes. I asked them about the money I sent that was reversed, they told me they will not be refunding this as it has been too much time. I called again, XX/XX/24 asking about the money and the outcome because I was supposed to receive an escalated call back and did not and it had been a week. They sent me to the resolutions team and I spoke to XXXX and she confirmed I am on a fb and that the money was not in unapplied but had been posted to payments!! I told her the whole situation and told her that I at no point advised them to post any payments while I am in fb. I told them that if they concluded the forbearance and completed the deferment that it was to apply to payments due going forward! She advised me that she will have to talk to upper management to request approval to reverse the payments posted and refund me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The three major credit bureaus are reporting a bankruptcy on my file that needs to be removed. This bankruptcy is well past the credit reporting limit however, it continues to report. I have sent in disputes previously regarding this bankruptcy and it remains on my credit. Under the FCRA the limit to report any negative item is 7 years and my bankruptcy is a lot older than that. This needs to be removed so I can move forward with my financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The three major credit bureaus are reporting a bankruptcy on my file that needs to be removed. This bankruptcy is well past the credit reporting limit however, it continues to report. I have sent in disputes previously regarding this bankruptcy and it remains on my credit. Under the FCRA the limit to report any negative item is 7 years and my bankruptcy is a lot older than that. This needs to be removed so I can move forward with my financing.

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 2021-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
I sent a XXXX XXXX letter with XXXX and XXXX payment for my mortgage with PHH, Check number XXXX in the amount of XXXX. Received by PHHon XX/XX/XXXX and signed for by XXXX XXXX. Today is XX/XX/XXXX and the check has still not been posted to me account, I have emailed XXXX XXXX, account manager and XXXX, 3 TIMES and have received no response. None. I have called four times to speak with an agent and I am told to be patient. This is the most disgusting company, completely unethical. I am on hold now with agent XXXX, an escalation manager asking why it has not posted. He explained it is with the ombudsman department and the funds are in suspense. Cashiering has not processed. This is unacceptable. The agent XXXX said he will call me back 3-5 days which I said is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: CITIBANK, N.A.
State: GA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report 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 2021-05-24 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: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent a dispute to all 3 credit bureaus and they didn't comply in 30 days

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 2021-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I opened an account with coinbase www.coinbase.com and when I wanted to withdraw my money then their app says account under review, I tried to contact them via different ways both answer yet, this has been like this for over 3 months already, I even told a friend that lives in XXXX XXXX to go to their office and there is nothing there. 
Please help me to recover my money, it's a fraud, there are forums with other people in the same situation. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
To whom it may concern, In XXXX of 2020 I contacted my mortgage company to defer payment due to Covid 19.

which I was approved for. Earlier that year I had applied for a loan modification which I was also approved for reducing my mortgage payment from {$850.00} to {$760.00} approximately.

I was told that I could defer payment and once the period ends that I would start payment on my loan modification. I was also told that the months that were deferred would be added to the end of the mortgage 's life.

I had to take a live of absence for two months from work due to my XXXX XXXX XXXX from XXXX XXXX XXXX and XXXX treatment that had just ended. As a result I was getting less pay. The mortgage company kept deferring. At the end of XXXX I contacted them to try to continue the deferment but at that time they declined it. I told them that I could not resume the payment at that time and asked them to please continue the deferment until I can catch up. They refused so I was falling behind. They told me to re-apply for the modification and was denied and disputed it and was declined again. Now they were telling me that they feel that I can not make my payments and could not afford this place. 
I wanted to start making payments online and could not. I contacted them and then was told that my account was sent to a law firm for foreclosure. I told them that I do not want to foreclose and would like to start making payments. I had been putting the money in the bank. 
As of today I was not contacted yet by any law firm most likely because of the mandates in regards to Covid 19 and refraining them to foreclose and forcing people to loose their homes. The mortgage company told me that the only way to be current is to get re-instated. In XXXX I requested the re-instatement figures. It took about a month after many calls. When they gave me the figures I was in shock. I thought that the figure would be for the three months at the time that I was delinquent but they included everything since XXXX of 2020. I told them that this was unfair because the deferred payments should be added the end of the loan. 
I feel that this is a set up for people to loose their homes. 
Please advise ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: Fidelity National Information Services, Inc. (FNIS)
State: CO

Complaint narrative:
XXXX XXXX XXXX reported to chexsystems for a bounced check. I paid this amount and this is still showing up on chexsystems. This is giving me a hard time to open up any bank accounts which is messing up my life. 

XXXX XXXX XXXX has been bo help. I filed a dispute as well with chexsystems.

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 2021-05-24 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: NC

Complaint narrative:
I have sent letters to all 3 credit bureaus and none of them have replied in 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I'm trying to pay off my balance on my credit card and I downloaded the app for the bank and every time I try to pay it off it says that my account is not allowed to have me pay through the app, so I go online to the website and I pull up my account then when I go to try to pay it it tells me that I'm not eligible for that service either. I've called the customer service and told them that I'm having a hard time paying it because of the way to computer is set up. I took the survey at the end of the session and indicated that I was not happy with how difficult it is to pay your balance on your credit card and it still is very very difficult to pay this balance off through electronic means.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem with direct deposit
Company: Chime Financial Inc
State: CA

Complaint narrative:
I worked with the Chime Bank company two set up two direct deposits with the company I worked for. They have not helped or assisted me to get my funds. This company 's customer service is bad. They barely speak any XXXX. Would you please help me with the problems they have given me. Your help is appreciated in this situation. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: FL

Complaint narrative:
i have a loan with XXXX XXXX # XXXX phone # XXXX i have agreement with loan care due covid -19 forbearence plan set up for180 days because my loan is a XXXX XXXX holder and now XXXX XXXX  reported to experian my credit agency that i am delinquent 60 days experian have fisco score down from XXXX to XXXX i want to disputed because loan care told me that it reported that way and experian told me XXXX XXXX reported as dilinquent i need this matter to resolved by loan care thank you XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: AL

Complaint narrative:
Yes. I have already put in a support ticket with binance.us # XXXX. 

I did an ACH transaction over 10 days ago. Per their guidelines, I should be able to withdraw or transfer {$5000.00} worth of crypto or cash. 
I have tried to transfer as well as withdraw any amount from {$5000.00} down to {$500.00} with ZERO ability. 

It gives me a message saying 'your funds are partially frozen, etc ' 1- It is well past the 10 day deposit hold for ACH 2- Why am I not able to withdraw?

3- Binance.US currently has thousands of customers with the same complaints on XXXX, XXXX, XXXX, etc. Customer service doesnt answser the phones or respond to emails. 

This organization needs to be investigated and shut down. 

I want this to be resolved otherwise I am getting a lawyer involved for class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding is reporting a debt on my credit file that I do not owe. I recently looked at my credit report and noticed this debt was reporting. I immediatley called and settled this debt with them. I was never aware that this debt had been sold to a collection agency as I never received any calls or notices. This violates my 30 day right to dispute under the FCRA and it needs to be removed. I am aware the LVNV Funding can remove this as they are the original furnisher and can report to the bureaus as they deem necessary. I have paid this account and am now asking they provide me with a deletion letter for the lack of notice and clear violation of my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage acquired my existing loan from XXXX XXXX. The acquisition took place effective XXXX. Freedom Mortgage failed to provide payment information or online access to newly acquired account until after the 15-day period stipulated in the notification provided by XXXX XXXX. Freedom Mortgage failed to respond to phone and email requests for payment instructions and started mailing out past-due notices, none of which were received until XXXX at which time online access was obtained and the account was verified as " Past Due ''. An immediate online payment was made as well as arrangements for auto-payment moving forward.

Freedom Mortgage failed to properly acquire my account, failed to properly make payment options available and failed to properly respond to requests for information. To date, I continue to receive untimely " Past Due '' notifications in the mail as Freedom Mortgage can not properly account for the mortgage payment made on 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 2021-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
Pioneer Credit Recovery , Inc acting as a debt collector violated the FDCPA several times. I sent them certified mail requesting validation of debt followed by certified Cease and Desist, Affidavit, and invoice. Pioneer Credit Recovery , Inc violated FDCPA 15 USC 1692b2 and 15 USC 1692f1 twice. They are liable both criminally and civilly and the invoice to be paid for the 3 violations documented. Proof Pioneer Credit Recovery , Inc signed for notarized documents sent and failed to respond.

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 2021-05-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Helllo, I am hoping you can help with a problem I am having with the credit bureaus. In XXXX I filed disputes with all three bureau and still have not got any response from them. How long does this take to get results back? We are going on 3 months now. Do I have to file a second rounds of disputes and keep doing so until they answer me? 
Having to take time away from my work to even file this complaint out is crazy when they should be doing there jobs.

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 2021-05-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: PA

Complaint narrative:
This is a case of detrimental reliance. 
US Bank took my call XXXX XX/XX/2021 to execute a close out of an IRA Money Market Account with a check mailed to me as that is US Banks ONLY method of processing. It was verified by a subsequent call to US Bank ( today, XXXX XX/XX/2021 XXXX I was informed on XXXX XX/XX/2021, that it would take 5 to 7 business days to complete the transaction as I called US Bank to inquire as to why the check had not been received. I was informed the transaction had not even been processed as of XXXX XXXX today, XXXX XXXX, XXXX. US Bank REFUSED to consider expediting the transaction, refused to consider using long established XXXX and even REFUSED to consider overnight mail of said check at MY expense per my request. US Bank is intentionally manipulating and withholding depositor 's funds.

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 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
TranUnion has requested that I contact the creditor XXXX account XXXX to give TransUinon permission to investigate my dispute of false reporting of late payment history. TransUinon is the company reporting the false and subterfuge late credit history and is required by FCRA to preform a complete investigation or update the entire late credit history if TransUinon can not verify dispute item as I have requested. This entire late credit is being falsely reported by TransUinon which is a violation of the Fair Credit Reporting Act. 

Please see attached documentation sent to TransUinon with my original dispute.

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