vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have called twice XX/XX/XXXX and XX/XX/XXXX about XXXX separate accounts that have reporting errors. I have NEVER missed any payments on any of my accounts and for some reason it now shows that I am missing payments. I even sent dispute letters out which I have receipts for and it keeps coming back that this information is correct and it is not. Please update as soon as possible. This is hurting my overall score. This is in regards to my XXXX account as well as my XXXX XXXX account

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 2020-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC
State: NC

Complaint narrative:
Creditor : XXXX XXXX REFERENCE NUMBER # XXXX CREDITOR REFERENCE # XXXX ACCOUNT BALANCE : {$3100.00} I DISPUTE THIS ACCOUNT!!! THIS IS THE XXXX COLLECTION AGENCY THAT HAS REACHED OUT TO ME WITHIN THE LAST FEW MONTHS. THIS IS NOW HARRASSMENT!!! ANYMORE HARRASSMENT I WILL BE SEEKING LEGAL MATTERS. 

In accordance with 15 U.S. Code 1692g, I am requesting verification of the debt, including the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, and evidence that I am legally responsible for debt. 


THIS ACCOUNT IS RESULT OF IDENTITY THEFT. I AM SUPPLYING FIRSTSOURCE ADVANTAGE THE SAME DOCUMENTS I SUPPLIED EVERYONE ELSE. MY POLICE REPORT AND IDENTITY THEFT REPORT. 

I just sent this information to XXXX XXXX and spoke to someone they told me it would be resolved. Now a few months later it with another collection agency. 

Additionally, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers.

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 2020-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
In response to my CFPB complaint XXXX, and other associated complaints, XXXX has updated ALL XXXX Collection accounts on my transunion credit report as " closed ''. This is not good enough whatsoever. While I'm pleased that XXXX/XXXX  has closed those shady accounts, they are still on my report and that is not acceptable. 

As all XXXX of these are considered " unpaid, closed collection accounts '', I have the right to have these XXXX accounts removed from my credit report entirely. Closing them is not enough, I respectfully demand that : 1 ) These XXXX accounts are REMOVED, not " Closed '', from my transunion, XXXX, and XXXX  credit reports 2 ) That XXXX  sends me a signed letter of deletion for all XXXX accounts 3 ) That XXXX  instructs XXXX their law firm ] " The XXXX XXXX XXXX XXXX and XXXX '' to stop threatening to sue me, since they clearly have no basis to collect on closed collection accounts, and that the XXXX XXXX XXXX XXXX and XXXX sends me a signed letter stating they are no longer collecting, in any form, on either of the accounts.

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 2020-12-31 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: Law Office of Harris & Zide
State: WY

Complaint narrative:
In response to my CFPB complaint XXXX, and other associated complaints, XXXX has updated ALL 5 Collection accounts on my XXXX credit report as " closed ''. This is not good enough whatsoever. While I'm pleased that XXXX/XXXX  has closed those shady accounts, they are still on my report and that is not acceptable. 

As all five of these are considered " unpaid, closed collection accounts '', I have the right to have these five accounts removed from my credit report entirely. Closing them is not enough, I respectfully demand that : 1 ) These five accounts are REMOVED, not " Closed '', from my XXXX, XXXX, and XXXX  credit reports 2 ) That XXXX  sends me a signed letter of deletion for all five accounts 3 ) That XXXX  instructs [ their law firm ] " The Law Office of Harris and Zide '' to stop threatening to sue me, since they clearly have no basis to collect on closed collection accounts, and that the Law Office of Harris and Zide sends me a signed letter stating they are no longer collecting, in any form, on either of the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: TX

Complaint narrative:
An account recently showed up on my credit report for XXXX-XXXX  opened on XX/XX/20 with a current balance of {$1300.00}. I have not opened any new credit card accounts within the past year. I have disputed this with transunion and the dispute returned saying it was factual and accurate. I have tried to call the number listed on the account of XXXX and all it does is ask for a XXXX digit account number which I do not have because I did not open this account. There is no option to talk to an actual person. Looking at a website for XXXX  XXXX  only gives a contact option of that same phone number. At the same time this account appeared an address appeared for XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX This is not any address associated with me, I have never lived outside of XXXX XXXX Texas.

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 2020-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
This is follow-up to complaint # XXXX. 

Thanks to Citi they sent me the bank statement for the last 6 months. The issue is that the bank statement only shows the total amount was put on hold and returned. It does not detail the amount of each transaction was returned and to who so I can followup and claim my money The bank didnt specify what transaction were returned to XXXX. Only {$11000.00} were deposit from XXXX But there should be XXXX left. I need detailed summary of all returned transactions

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 2020-12-31 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.

Complaint narrative:
Hello CFPB, I am writing to you because I have not received any satisfactory resolution from CoinBase for 3 months. 

I currently have around XXXX in funds which have been 'locked ' on CoinBase with no explanation. All of my account information has been verified and there are no informed locks on my account. 

For the last 3 months, CoinBase have not co-operated in finding a solution to this issue.

I have contacted CoinBase many times regarding this on multiple different platforms. All of my support cases get ignored, closed down as completed without response or I am provided with answers which provide no solution.

I can see from CoinBase support pages that there are thousands of new cases being created of a similar nature every day, on support pages such as XXXX.XXXXXXXXXXXXXXXXCoinBase. 

It is an incredibly frustrating situation and I do not know how I am going to get this resolved without contacting an organisation such as yourself. 

I believe that this needs urgent investigation, not only for my XXXX  but for other business and individuals falling victim to CoinBase 's non-existent support and in-turn suffering significant financial implications. 

My business has had to take out a XXXX loan to cover the money that has been locked on the business account. My business has also had to cover significant 'Exchange Fees ' to convert the Bitcoin to XXXX to prevent unwanted fluctuations in the value. 

Here is a list of the cases that I have created with CoinBase 's support system. I have received responses on very few of these case ID 's and none of the responses have resolved my issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regards, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made a payment in XX/XX/2020 for Captial one. For unknown reason, my payment was declined. I discovered that my card was frozen. Eventually the freeze was lifted. 

I contact capital one to explain why the payment did not go through & was advised to reach out to the credit reporting agency. 

I put in a claim to dispute the late payment & my claim was denied. At the time of the complaint. I did not have supporting documents regarding my accounts being froze. I had to keep call XXXX XXXX XXXXXXXX to get them to send me something in writing to support my claim. That document did not arrive until mid XXXX. The system wont allow me to dispute the late fee claims again

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion is incorrectly reporting a public record bankruptcy on my file. I have asked them to remove it/ i have contacted the court that transunion has on my report and was informed in writing that they do not verify information.. As this can not be verified I need it removed from my file 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 2020-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: CO

Complaint narrative:
Apparently a fraudulent claim was made for unemployment benefits. USBank sent me a ReliaCard apparently for those funds to be loaded on. I reported the fraud to the Colorado State office, and was directed to try and contact USBank to report the fraud to them as well. For two days I have attempted to reach a representative for USBank ReliaCard, however their system continues to disconnect you if you do not put in your SSN, which I refuse due to the fraud being committed thru this company. I attempted to go thru my USBank XXXXVisa  card branch who also where unable to get thru to any representative in the ReliaCard branch. I called 3 different times on XX/XX/20, and again 4 times on XX/XX/20, before I attempted to go thru the XXXXVisa branch. I spent over two hours attempting to file the fraud claim with this company to no avail and no response.

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 2020-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
I sent a disputed later XX/XX/20 asking for a verification to validate the debt they claim I owe {$240.00} .... They sent me a letter stating I still owe them the debt but there were no evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay convergent outsourcing 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 2020-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
Rocket Mortgage changed a fee that was disclosed on XX/XX/XXXX, which I signed, and raised it by over {$4500.00} on XX/XX/XXXX, which was XXXX weeks before my closing date. Also, our commitment was scheduled to expire on XX/XX/XXXX. How can you change a fee before a commitment expires? 

This was predatory because if I didn't pay the fee, we were to far into the process to get a different loan. We made a commitment on the XXXX to only use Rocket for financing. 

Mortgage rates were at all time lows when we applied and during the entire process. Both applicants on this mortgage had no changes in credit, income or any status, that would justify changing the fee. 

Please see the attached documents for dates and only the document on the XXXX was signed electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: CA

Complaint narrative:
I made a payment in XX/XX/2020 for XXXX XXXX. For unknown reason, my payment was declined. I discovered that my card was frozen. Eventually the freeze was lifted. 

I contact XXXX  XXXX to explain why the payment did not go through & was advised to reach out to the credit reporting agency. 

I put in a claim to dispute the late payment & my claim was denied. At the time of the complaint. I did not have supporting documents regarding my accounts being froze. I had to keep call XXXX XXXX  XXXX to get them to send me something in writing to support my claim. That document did not arrive until mid XXXX. The system wont allow me to dispute the late fee claims again

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 2020-12-31 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: CA

Complaint narrative:
I made a payment in XX/XX/2020 for XXXX XXXX. For unknown reason, my payment was declined. I discovered that my card was frozen. Eventually the freeze was lifted. 

I contact XXXX XXXX to explain why the payment did not go through & was advised to reach out to the credit reporting agency. 

I put in a claim to dispute the late payment & my claim was denied. At the time of the complaint. I did not have supporting documents regarding my accounts being froze. I had to keep call XXXX XXXX XXXX to get them to send me something in writing to support my claim. That document did not arrive until mid XXXX. The system wont allow me to dispute the late fee claims again

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: CA

Complaint narrative:
I made a payment in XX/XX/2020 for XXXX XXXX. For unknown reason, my payment was declined. I discovered that my card was frozen. Eventually the freeze was lifted. 

I contact XXXX  XXXX to explain why the payment did not go through & was advised to reach out to the credit reporting agency. 

I put in a claim to dispute the late payment & my claim was denied. At the time of the complaint. I did not have supporting documents regarding my accounts being froze. I had to keep call XXXX XXXX XXXX to get them to send me something in writing to support my claim. That document did not arrive until mid XXXX. The system wont allow me to dispute the late fee claims again

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 2020-12-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
The Servicing of my Mortgage loan with Mr. Cooper was transferred to XXXX XXXX effective XX/XX/XXXX. While my loan was with Mr. Cooper, an Escrow of {$430.00} was being charged every month. 

On XX/XX/XXXX, While my loan was still with Mr. Cooper, I purchase home insurance with XXXX XXXX XXXX and paid {$770.00} for Insurance Policy Period XX/XX/XXXX to XX/XX/XXXX. I also provided proof of insurance to Mr Cooper. However, Mr Cooper still continued collecting escrow for insurance and taxes even though I sent complaints to them several times. 


On XX/XX/XXXX, I realized my property taxes had not been paid by Mr. Cooper so I made a payment online for {$2000.00} XXXX XXXX has sent me an escrow bill of {$1300.00} for XXXX, XXXX and XXXX. When I requested they remove the escrow charges since I already paid my insurance and taxes, they sent me an escrow projection for XXXX that states that starting on XX/XX/XXXX to XX/XX/XXXX they will be collecting {$230.00} a month to go into the escrow account. 

I need help getting my money back that I have paid into Escrow from Mr Cooper in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: GA

Complaint narrative:
The company paid property tax payments out of my escrow account twice which caused my account to be overdrawn and a advance was given to cover the funds needed by Atlantic Bay Mortgage. In the beginning my county property tax was {$4400.00} but the county also issued a corrected property tax statement showing that my taxes were lowered to {$4000.00}. Atlantic Bay Mortgage ignored the statements and paid both amounts. There was not enough money in the escrow account to cover both tax bills because only one bill should have been paid. I emailed Atlantic Bay Mortgage both statements in a timely manner but they still proceeded with paying both amounts and then tried to cover up the error by issuing an advance of {$2200.00} to my account to pay both amounts. They also took the funds that were in the escrow account. This caused my combined mortgage payment to go from {$1900.00} per month to over {$2600.00} per month. This is money I, as a XXXX Veteran and social security recipient, do not have on hand to pay because of an error. I have called by phone, email and sent letters by postal mail to Atlantic Bay Mortgage but have yet to receive a correction or satisfactory resolution to this matter. Atlantic Bay Mortgage also proceeded with covering their tracks by issuing the payments as a Lien/Tax Distribution when I have no such lien. The customer service agent told me they were waiting on a response from the county tax agency. I called them directly and they confirmed that they did not receive two payments and that their system will not accept partial and over payments. All I need is a correction to the account and all errors resolved. I then need my combined mortgage/escrow account payment to be corrected prior to this high payment that they have forced on me in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation