vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have sent over several disputes to XXXX, XXXX, and Equifax in regard to XXXX XXXX XXXX for the last 2 years. 

I email XXXX  a letter on XX/XX/XXXX asking for multiple things and if not received that they were in violation of the FDCPA. Over the course of 30+ days, their customer service did not read the letter contesting the accounts in question, instead continued to pass the buck. I wrote another letter to them dated XX/XX/XXXX, and I never received any correspondence from them in regard to the letter, and did not fulfill the required information as requested in the letter. 

This debt is also too old to be collected on as it states it is from XXXX, and MN has a 6 year statute of limitations on debt reporting. 

Insofar it has not been removed from my credit report despite numerous requests to credit reporting agencies. I want it removed within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: MN

Complaint narrative:
I have sent over several disputes to Experian, XXXX, and XXXX in regard to XXXX XXXX XXXX for the last 2 years. 

I email XXXX a letter on XX/XX/XXXX asking for multiple things and if not received that they were in violation of the FDCPA. Over the course of 30+ days, their customer service did not read the letter contesting the accounts in question, instead continued to pass the buck. I wrote another letter to them dated XX/XX/XXXX, and I never received any correspondence from them in regard to the letter, and did not fulfill the required information as requested in the letter. 

This debt is also too old to be collected on as it states it is from XXXX, and MN has a 6 year statute of limitations on debt reporting. 

Insofar it has not been removed from my credit report despite numerous requests to credit reporting agencies. I want it removed within 15 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 2021-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WYNDHAM CAPITAL MORTGAGE, INC.
State: OR

Complaint narrative:
Wyndham Mortgage quoted me a 3.25 % interest rate, based on specific loan details ( included in attachment ). Based on that quote, I submitted an application, allowing my credit to be pulled. The Loan Estimate given to me showed a rate of 4.875 %. This is an inexcusably large difference. There is no ( appropriate ) overlay that should allow for that large of a swing. 

Further, when I went through the quote process again, three times, to document the process and quotes, the rate changed just minutes apart, using the same exact info. 

The attachment shows a rate of 3.5 % due to printing the process three days later after my initial quote.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: MS

Complaint narrative:
Account needs to removed from account it was never removed after speaking with the furnisher a if the account all it showed was my statement that it was an unauthorized transaction placed on my consumer report by the company.

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 2021-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have submitted a cancellation of the entire order to both Best Buy Credit Card Services along with XXXX XXXX XXXX and the items are still appearing on my statement. I followed the cancellation process according to terms and conditions of both companies and yet I am still being charged for furniture which I have never received and or signed for delivery acceptance.

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 monetary relief
Consumer complaint received 2021-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
Very good afternoon friends, a cordial greetings to distinguished financial protection institution, I was a user of the service provided by the transferwise company, since due to the economic and political situation of my native country ( XXXX ) I had to emigrate to XXXX, from the services that this company lends ( transferwise ) it was possible to send and receive money from family and friends for monetary help, but from one moment to another my account was closed on XX/XX/XXXX of this year, freezing a balance of XXXX usd product of my savings and work, in the midst of this pandemic and the situation that I have at the moment my wife is XXXX and we will have our XXXX in XXXX XXXX willing and my XXXX XXXX is in college I feel very anguished and desperate. 
At the time of closing my account, this company gave me the option of requesting a refund of my money in its entirety, it turns out that on XX/XX/XXXX I received an email from an assistant of the wise company named XXXX XXXX where she told me not to They will make the refund, even so the status of the appeal says that my money was sent to my bank account of XXXX ( national currency bank in XXXX ) which I am the owner, they do not explain or give me any reason why they do not make the payment, I have made the complaint to their customer service email and they respond that they do not have access, my concern is that seeing the opinions of said transferwise company online there are many users who brand this company as scammers and abuses when withholding money. Please help me with this case, my financial situation and the responsibilities that I have make me desperate, my wife spends the day crying because we don't know what to do and that is not good for the XXXX that is in her XXXX. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: FL

Complaint narrative:
I am a victim of identity theft and have identified a XXXX XXXX  account XXXX {$13000.00} on my credit report that is part of this. 

I filed an identity theft report with the FTC back in XX/XX/2021 and submitted it to XXXX and Transunion so they can remove the fraudulent account. However, they continue to report the account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
Select Portfolio Servicing Inc ( SPS ) made an error by scheduling and/or participating in scheduling and/or effecting the scheduling of the foreclosure sale of subject real estate property for XX/XX/XXXX, in violation of RESPA 1024.41 ( f ) ( 3 ) Temporary Special COVID-19 Loss Mitigation Procedural Safeguards. 

RESPA 1024.41 ( f ) ( 3 ) ( ii ) ( C ) ( 2 ) require that : The servicer sent the written notice required by 1024.39 ( b ) at least 10 days and no more than 45 days before the servicer makes the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process ; SPS allowed only eight ( 8 ) days between XX/XX/XXXX and XX/XX/XXXX letters cited below, not minimum ten ( 10 ) days as required by RESPA 1024.41 ( f ) ( 3 ) ( ii ) ( C ) ( 2 ). 

On XX/XX/XXXX SPS sent us an Early Intervention Notice letter as required by 1024.39 ( b ). ( See attachment # 1 ) On XX/XX/XXXX, XXXX XXXX, alleged attorneys of the purported mortgage holder XXXX XXXX XXXX, as trustee, on behalf of the holder of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Series NC XXXX Asset Backed Pass-Through Certificates, Series NC XXXX XXXX ( XXXX XXXX. as trustee ) sent us a Notice of Intention to Foreclose ( see attachment # 2 ) On XX/XX/XXXX SPS, as alleged servicer for the XXXX XXXX. as trustee, sent us a Foreclosure Sale Date Notice ( see attachment # 3 ), a letter informing us about the XX/XX/XXXX scheduled foreclosure auction of our property. 

On XX/XX/XXXX we sent a Notice of Error to SPS ( see attachment # 4 ) asking for full investigation and correction of the above error, as well as cancelling the XX/XX/XXXX foreclosure sale of our property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I turned in my XXXX XXXX lease in XXXX of XXXX. I made all my payments on time and never received any additional bills. I was recently notified by my credit monitoring agency that Hyundai was reporting negative information, claiming I owed them money and that I was late on a payment. I called and I was told I didn't owe anything and to just send a letter to their credit department to have it fixed. The credit department sent me a letter saying the information was accurate and they wouldn't fix it. I called again and this time I was told I did owe money. They never told me what I I owed for, but I paid it over the phone anyway. They told me the bill was sent to an old address in XXXX or XXXX. I had moved over a year prior, so the bill was never sent to me and my mail forwarding had ended. Hyundai had my new address. My current lease is through the same finance company and Hyundai has been sending me advertisements for their new vehicles. However, the bill was sent to the old address. They are continuing to report that I was late on my payment, even though I still have not received a bill. I filed a dispute again with their credit dispute department and they are just saying that the information is accurate as reported and that I was late on my bill. A bill that they acknowledge they sent to the wrong address over a year after I moved and over a year after I turned in the vehicle. They never gave me the opportunity to pay on time. I never received the bill. If they hadn't take over a year to send the bill, the post office would have forwarded it to my new address and I would have paid on time. If they sent the bill to the correct address, I would have paid on time. Can you assist me in dealing with Hyundai Motor Finance in order to fix the damaging information they have sent to the credit bureau?

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 2021-11-11 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: IL

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I am very upset, the credit bureaus have not responded back to me about my investigation. I sent a letter XXXX it's more than 30days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: IL

Complaint narrative:
Hello, I am a coinbase ( pro coinbase ) user. I have account with them around 10-11 months. 
My account has been under review for last couple of weeks. Even I have submitted multiple ticket to remove the " under review '' on my account, all the tickets were closed. 
This has led my account to be frozen therefore, I am not allowed to buy/sell or even transfer money, therefore, it is incurring financial loss to me. will you please advise how I can get this moving. Coinbase has not been helpful on this matter to resolve my issue or provide a status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX  XXXX Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$3700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: MS

Complaint narrative:
Information was never sent that account was in dispute and Im sending new documents showing that its in dispute and needs to be removed while under investigation by the CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
My payments are due on XXXX of every month. that's the due date. 
In XXXX payment was due on the XXXX of the month, as such XXXX mad a payment in XXXX on the XXXX. 

since there are 31 days in XXXX, XX/XX/XXXX is the XXXX day. XXXX was paid on that day which is the XXXX day. so because they were paid on that XXXX day, they can not report me 30days late, because they had payment in their possession on day XXXX and such was not over yet so technically the XXXX day was not over yet and they are in violation of fair credit reporting as such states : " late payments generally wont end up on your credit reports for at least 30 days after the date you miss the payment, although you may still incur late fees. '' XXXX states : If youre only a few days or a couple of weeks late on the payment, and you make the full late payment before that 30 days is up, See, XXXX XXXX XXXX  On XX/XX/XXXX when I made the payment, the 30 days was not up yet and they had the payment, so they are incorrectly reporting a late payment.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My payments are due on XXXX of every month. that's the due date. 
In XXXX payment was due on the XXXX of the month, as such I mad a payment in XXXX on the XXXX. 

since there are 31 days in XXXX, XX/XX/XXXX is the XXXX day. XXXX was paid on that day which is the XXXX day. so because they were paid on that XXXX day, they can not report me 30days late, because they had payment in their possession on day XXXX and such was not over yet so technically the XXXX day was not over yet and they are in violation of fair credit reporting as such states : " late payments generally wont end up on your credit reports for at least 30 days after the date you miss the payment, although you may still incur late fees. '' XXXX states : If youre only a few days or a couple of weeks late on the payment, and you make the full late payment before that 30 days is up, See, https XXXX XXXX/ On XX/XX/XXXX when I made the payment, the 30 days was not up yet and they had the payment, so they are incorrectly reporting a late payment.

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 2021-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent an FTC Identity Theft Report Dispute to XXXX, XXXX & TransUnion requesting them to PHYSICALLY VERIFY & provide the " METHODS OF VERIFICATION '' for the disputed accounts via certified mail ( copy of letter & FTC ID Theft Report attached ) they were received by XXXX, XXXX & TransUnion on XX/XX/2021 & XX/XX/2021 respectively ( copies of Proof of Service attached ). As of today XX/XX/2021, I have received neither PROOF OF VERIFICATION, nor any METHODS OF VERIFICATION. These are violations of my rights under FCRA Section 611.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I'm aware that this transaction is fraudulent [ Debit Card Purchase At XXXX XXXX XXXX, XXXX, Ny On XXXX From Card # : XXXX ] This transaction belongs to someone else and someone has obtained my personal information ( identity theft, fraud, error ). I didn't sign any lease term agreements and I didn't authorize or give permission ( consent ) to XXXX to withdraw money from my account on any or lease term agreements. After contacting XXXX and for further investigation on my behalf, XXXX is the merchant and the address that the items got delivered to was a ( XXXX XXXX XXXX, XXXX, TN XXXX ). I never lived there and I'm not responsible for any payments. I never lived there. For your review. I've attached an identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CT

Complaint narrative:
Milestone Mastercard XXXX XXXX XXXX XXXX/ MI XXXX XXXX XXXX XXXX , OR XXXX XXXX XXXX I took out the card and Without using it or activating it the card came with a balance of XXXX This balance is very deceiving. They charge an annual fee without the person ever activating the card. The other issue is it is not made abundantly clear beforehand that this would occur. If not for XXXX XXXX I would have never noticed and I would have been unjustly billed. 
I called and complained about the charge. I not yet understanding why there was a charge to my account told the individual I spoke to I never used the card and I should not have a balance. I also told them I did not want the card. I want it closed and I would be reporting them to consumer finance. Their response was asking me if I wanted to activate the card. Luckily I said NO and repeated I wanted the account closed out. They transferred me to a manager. 
After talking to a manager I discovered had I activated the account I would have been stuck paying the fees. I felt mislead. The woman I spoke to before clearly tried to trap me into having to pay the fees by 1st not disclosing I would have to pay the fees if the card was activated and 2nd by ignoring my demand to close the account and offering to activate the card. 
This is not a trustworthy company! 
XXXX XXXX has many people complaining that this card is not clearly transparent on the annual fee. And they clearly do not explain we will not be held accountable if we do not active the card. And clearly if you call to complain before they explain the fees and how to avoid them they try to push you to activate your card. 
Now my concern is how trust worthy are they to follow through and not charge me a fee and how will this affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I have had the FNMA COVID Forberance for the 18 months allowed for my mortgage payment. I have XXXX and have lost income due to COVID. My mortgage company LoanCare. XXXX  is refusing to give me the FNMA loan Deferral for the 18 months lost and have reported my credit late 120 days to the credit bureau ruining my credit history. We have requested this help since mid XXXX with hundreds of calls and emails to LoanCare and they refuse to help. Who can help us? They want to foreclosure our home when we have been legally allowed by FNMA for the Forberance and now the Deferrel. Please help me.

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