vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX  and this company processing this bankruptcy are both violating my FCRA and the FDCPA by lying about this verification for this debt. Transunion and XXXX  bith removed this public record for being inaccurate and unverified but yet XXXX  refuses to remove it because they dont actually require this company to present any proof of this collection. They do not have the right to allow companies to report unverified information without proof. I have requested a discovery that would include all the necessary documentation to prove this bill as an actually verified collection. They do not have the original contract with my signature agreeing to pay anything to anyone which is needed as proof also they will need to have all terms and agreements with me and the original creditor in order to place this on my report. They also need proof of my identification card as well as proof of my full social security number and address updated phone number etc. They have not provided any of these documents to verify this debt so they must remove 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 explanation
Consumer complaint received 2021-05-25 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: Coinbase, Inc.
State: CA

Complaint narrative:
My only goal in filing this complaint is to get Coinbase to respond to me and help me gain access to my account again.

Here is the problem simply stated : When switching to a new phone, the two-factor authentication stopped working. When trying to sign in to Coinbase, XXXX XXXX provides 8 numbers and Coinbase only allows me to enter 6. I can't be the only one with this issue. 

They do not have a support phone number to call, nor respond to any messages or support tickets. Please see the attached filled with automated responses and promises of specialists reaching out. 

For months now, I have not been able to access a significant portion of my savings. 

If you can get them to respond to me, that would be so incredibly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
THIS SAME SITUATION HAS COME UP AGAIN AGAINST XXXX XXXX XXXX AND NOW SELECT PORTFOLIO OUT OF UTAH. MY FIRST COMPLAINT WAS RECEIVED BY Y0U ON XX/XX/XXXX, XXXXREFERENCE # XXXX COMPLAINT STATED THAT IN MY SETTLEMENT AGREEMENT I WAS GIVEN ONLY {$600.00} FOR MY TROUBLE BUT A PRINCIPAL REDUCTION ON MY LOAN. RECEIVED OFFER FROM XXXX XXXX XXXX XX/XX/XXXX. THIS WAS NOT A FORM MAILOUT AS IT INCLUDE MY LOAN NUMBER AND BORROWERS NAME PROBLEM ONE THEY ACCELERATED MY PRINCIPAL FROM XXXX TO XXXX.YOU HAVE THIS COMPLAINT IN MY FILE WITH SUPPORTING DOCUMENTS. XX/XX/XXXX OUR ATTORNEY ISSUED A LETTER TO BOA WITH CORRECTIONS ON THE OFFER AND WE WERE TO PAY OFF THE LOAN BASED ON TRUE NUMBERS OF MY SETTLEMENT. THEY HAD 30 DAY TO RESPOND INSTEAD SOLD SERVICING RIGHTS TO SELECT PORTFOLIO. SELECT REFUSES TO HONOR THAT SETTLEMENT. AT THE TIME ATTORNEY. NOW WITH MONEY TIME STRESS WHERE WE ONCE HAD THE CASH NOW I HAVE A BUYERS AND I WANT WHAT WAS PROMISED ME THRU MY EFFORTS TO HELP YOU BRING DOWN THE FRAUD SCHEME WITH THE BANK. SELECT HAS STALLED ME WONT COME TO THE TABLE TALKS ONLY OF LOAN MODIFICATIONS WHICH IN THAT TRAP THEY DENY IN THE END AND THEN YOUR CASE FOR PROBLEMS FROM THE FIRST LOAN U CAN NOT USE. I ACTED IN GOOD FAITH TO MIDIGATE THEY DID NOT. I WANT TO KNOW THAT WHEN THE XXXX HANDS DOWN A SETTLEMENT THAT IT HAS TO BE ABIDED BY IN FAVOR OF BORROWER. I NEED YOUR HELP IN THIS MATTER. SINCE XXXX I HAVE TRIED TO MIDIGATE THEY ARE NOT INTERESTED MY NEW CASE # 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 2021-05-25 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: TX

Complaint narrative:
I have reached out to TransUnion well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.

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 2021-05-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reached out to Experian well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.

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 2021-05-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: TN

Complaint narrative:
I purchased a house through the VA 's foreclosure process and have a VA backed investor mortgage. The company servicing my loan is BSI Financial Services. The loan closed in XXXX. I have not been provided with a mortgage statement now since XXXX. I first called in on XX/XX/2021 to request a mortgage statement as I need one now as I'm in the process of refinancing my primary residence and the mortgage company needs a copy. I've now called BSI 7 times. I also created an online profile and there is no mortgage statement showing. I was told the first time calling to allow 24 hours for the statement to show online. It didn't. I called a second time and was told it would be sent via email in 24 hours it didn't. I've been told it would be expedited and clearly it hasn't. The call line claims another department handles it, but won't transfer me. I've asked for a supervisor, but can't get transferred to one. This has been a horrible experience and I've been lied too numerous times and there still is no resolution.

I have paid on time every billing cycle even though no one has sent me a statement. In fact, I'm even enrolled in auto-pay. I thought it was required to provide a mortgage statement. Now, this is going to cost me the opportunity to refinance my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
I have tried for the past two weeks to obtain the necessary paperwork to submit for a 12-month forbearance of my mortgage. After the past year where I was virtually shut out of business related from the Covid-19 pandemic, and the fact that I was ill a very long time from my own case of Covid-19, as well as a major personal problem, I could not make mortgage payments for a very long time. That time has passed and I am now back to work full time. I respectfully request the necessary paperwork to submit on behalf of my past hardship, and make arrangements to start making mortgage payments again. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: PA

Complaint narrative:
Good day. Its been a very tough time for me and my family. I am a victim of identity theft and have reached out to transunion with an FTC report to get these inquiries off before that are not mine off my report. All those inquiries on my report are not mine. I have submitted an FTC report attach with proof of my identity to get these inquiries remove immediately. These inquiries are stopping me from getting things together for me and my family. Please help me help my family.

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 2021-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Business Corporation
State: CO

Complaint narrative:
I was in a Chapter. XXXX Bankruptcy and fell behind on my mortgage payments by 3 months. The mortgage company sent for a dismissal of my bankruptcy on XX/XX/XXXX if I didn't pay the three months immediately. So to avoid getting dismissed I paid all three payments at one time on XX/XX/XXXX. They still certified the dismissal of my bankruptcy even tho I paid all three payments within the 30days. When I call to speak to the mortgage company no one can give me a answer on why they did that. My bankruptcy attorney said they should have pulled the dismissal ounce I paid> Every time I call the mortgage company they avoid the issue by putting me on hold until I hang up. On XX/XX/XXXX I was put on hold for a hour and eight minutes with out anyone coming to check in on me or anything before they just hung up on me. I have called and ask to speak to a supervisor to try and get some answers and help and every time they tell me one will call me back within 24 hours and no one ever does. I asked to speak to a supervisor on XX/XX/XXXX and I never got a call back. Now they are sending me demand letters that I bring the account current for XXXX and XXXX payments or else they will foreclose on me> Since I have just made 3 payments in XXXX its hard for me to pay two more payments this month. So I just have one payment set up for the XXXX of this month to pay XXXX and sent in a loss mitigation assistance package with supporting documents like bank statements and they say they wont accept my bank statements because I got them from my bank online. So my main complaints is that they got my Bankruptcy dismissed after I paid the amount I was told to pay and that I cant get a supervisor on the phone and they keep putting me on hold for over a hour and then just hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Google Compare Credit Cards Inc.
State: MA

Complaint narrative:
I activated an offer for 35 % cashback on a XXXX XXXX purchase in the Google Pay App. I then made a purchase of {$29.00}. I am still waiting, a week later for the company to credit my account and the {$10.00} to show as pending. I have contacted Google 's useless terrible customer service numerous times and only receive the runaround

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: FL

Complaint narrative:
I sent correspondence to TransUnion via USPS Mail, they have failed to conduct a physical verification. I requested verifiable proof of accounts and inquires listed in my correspondence to TransUnion. The disputed information wasn't confirmed or verified, in a timely manner. This reporting agency still hasn't reached out to me. They must comply per their policies and remove reported accounts and inquires that they haven't verified in a reasonable time frame.

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 2021-05-25 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
XXXX  is reporting the account with CB/Vicscrt inaccurately on my report. Upon reviewing my credit report I did not recognize this account. I initially sent a request for XXXX  to validate the account, and send proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After 4 different attempts they have failed to provide me proof of this account. I have disputed this information four times on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and have given them warning that if it could not be validated, to remove it from my report or i would be filing a formal complaint. In addition the information XXXX  is reporting does not match the information reporting by the other credit agencies. I have gave them ample time and opportunity to resolve this issue before having to take the route of filing a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: AL

Complaint narrative:
According to the fair credit act I have a right to send valid information to the credit bureau and ask they correct a mistake on my credit report.i have an account on my credit report that is inaccurate and it have hurt my ability to obtain credit and get a house because of this mistake. They have been reporting this account inaccurate for a long time if you would look at the attachment you will chargeoff. Chargeoffs don't have a payment history but they have continued to report this account inaccurate. This account is paid in full and the payment history should not show charge off and I went to the company and got a letter and the attachment shows the account as paid. This inaccurate information needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
I am in need of some help. On Saturday XX/XX/XXXX at XXXX my deposit of around was rejected and not completely returned to me in the amount of {$220.00}. XXXX XXXX was the ATM number. My {$500.00} deposit right before was successful but my next deposit was partially spit back out and the rest never came out as the mouth of the money feeder remained open with gears turning leaving the rest of my money caught inside and then a receipt that said my transaction couldnt be processed. I freaked out and called customer care as I was standing there. I followed up with signing a dispute paper on Monday at the XXXX Illinois branch of Associated Bank. They said the atm was audited Tuesday. I dont have a lot of money and bunch more coming out. I need my money and some peace of mind that it was located and credited to my account. I dont want to have to bank anywhere else because I have a mortgage, a car, checking savings and multiple family members accounts there but I know I will not be able to deposit my cash like this anymore. I have been assured by others that this can happen and their money was returned. I have followed up on the phone 3 times and email twice to try and get an answer about my money with their customer service. The cameras on the ATM would surely see my horror during the incident. This bank previously cost me a lot of time and angst by improperly handling my escrow account for my mortgage last year. Im so distraught and want my money available so I can pay my bills. This is such a huge anxiety riddled incident as so many have shared their horror stories with me about them and depositing into an ATM and I dont know how to get my money and peace of mind. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Reverse Mortgage Solutions, Inc.
State: TX

Complaint narrative:
My mother was misled into taking out a reverse mortgage on her home in 2008, at which time she was given a net amount to her of roughly {$12000.00}. She did not take any additional funds through the course of the loan against the original available amount. 
She is in the process of selling her home and has been told that her buyout amount is {$200000.00} - again she ONLY received {$12000.00} from RMS. Thus, the company is saying that the fees on this transaction are now {$180000.00}?? 
I am attaching all of the original loan documents as well as her current buyout statement. 
Nothing about this adds up. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
Actions taken by me : In XX/XX/2021, I became aware of this collection by NCB Management on my credit report. I had received no letters, phone calls, or any other forms of communications from NCB Management pertaining to this account. 

The alleged debt 's original creditorXXXX XXXX / XXXX XXXX has never ever been on any of my credit reports as a credit account. There was never a credit inquiry for the alleged debt. 

In XX/XX/2021, I had sent a debt validation letter to NCB Management. ( see attached letter ). 

In early XX/XX/2021, I had a letter stating that they failed to validate the debt, as they had not responded to the debt validation letter. 

In late XX/XX/2021, NCB Management responded 45 days later. NCB Management responded with what appears to be an online application, loan history, and payment history. 

The information contained fraudulent information, such as a fraudulent address in Michigan, XXXX XXXX XXXX, XXXX XXXX, MI 3which I have never used nor lived at in my entire life. 

Upon receipt of response, I called and spoke with XXXX XXXX to inform him the debt was not mine and he argued with me. 

I followed up with an Identity Theft Report, once I found other fraudulent items opened in my name. The other fraudulent issues have been resolved. 

NCB Management has been taking their time on this matter. Additionally, NCB management has mail being forwarded from their XXXX, PA address to their XXXX, PA address, which is delaying mail even further. 



See attached document : Written Correspondences to NCB Management Tracking Numbers Validating Written Correspondences to NCB Management USPS Tracking Information For Letters Sent to NCB Management This debt is not mine. I have also highlighted the issue for the CFPB to see on the attached information received from NCB Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Midland credit agreed to delete the account from all three credit bureaus if the account was resolved. The account was paid as agreed by their attorneys within the specified time frame. Midland credit has failed to remove the account and shows a past due balance although the account has been resolved in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25 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: CA

Complaint narrative:
Equifax, XXXX, and XXXX credit companies are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
Mortgage information : Lender/Servicer : Mr. Cooper Loan Number XXXX I recently received a letter from my mortgage company dated XX/XX/XXXX and received on XX/XX/XXXX which states " Our records show that your hazard insurance expired, and we do not have evidence that you have obtained new coverage. ( in bold ) Because hazard insurance is required on your property, we plan to buy insurance for your property. You must reimburse us for any period during which the insurance we buy is in effect but you do not have insurance. '' On XX/XX/XXXX I had my evidence of insurance faxed to Mr. Cooper and I called them at XXXX XXXX  on XX/XX/XXXX I spoke to XXXX to notify them that I have insurance and evidence was faxed and to not buy insurance on my behalf. I asked XXXX to put detailed notes on my file. 

On XX/XX/XXXX at XXXX XXXX I contacted XXXX in customer service and she confirmed that they received my evidence of insurance and that my account has been updated. I requested a follow-up letter to be sent. She informed me that she is not capable of sending a letter. I asked for her manager who wasn't in work yet and would call me when she arrived. Her name was XXXX XXXX and she never called me. 

On XX/XX/XXXX at XXXX I called customer service and spoke with XXXX XXXX He understood the situation and told me he would patch in the escrow department, specifically the hazard department and I spoke with XXXX. XXXX confirmed insurance will not be purchased but she " can't '' send a letter confirming. I explained that the letter Mr. Cooper sent me specifically stated that they plan to buy insurance and that I require a letter stating they are not going to buy the insurance. She told me that it's policy not to send a letter. I hung up on her. 

My concern is that someone in the organization may pick up the file and mistakenly purchase the insurance and all I have is " he said, she said ''. I think a brief letter stating that Mr. Cooper will not be purchasing the insurance is a reasonable request and my protection. I tried contacting the executive offices but you can only be switched to customer service or the line automatically hangs up. There is no other contact information for any of the management team as Mr. Cooper management has no inclination to be bothered by their customers. If I had the option I would get rid of Mr. Cooper as fast as possible. 

Can you please assist me in receiving a letter from Mr. Cooper stating that they are in receipt of my evidence of insurance and hazard insurance will not be purchased on my behalf. Thank you for any help you can offer. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation