vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX is attempting to collect the wrong amount of money from me over a XXXX XXXX Bank ( USA ) NA. and I am already going to court over this situation with XXXX XXXX Bank XXXX USA ) NA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST GUARANTY MORTGAGE CORP
State: OH

Complaint narrative:
Back in the middle of XXXX my wife and I went to refinance. We decided to go with First Guarantee Mortgage Co., doing business as XXXX good mortgage ). It has been 5 1/2 months of constantly supplying information. Sometimes duplicates!!!! Mind you.. we are going to go from a 30 year mortgage ( 24 years left ) to a 15 year mortgage PLUS put an extra {$50000.00} down. All they did was drag their feet. Hopefully they dont cost us money because we were refinancing at 2.25 %. I finally told them today ( XXXX ) to just forget it. Theyre costing me money. Our payment was to go down {$250.00} a month also. Totally ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: WA

Complaint narrative:
I attempted to transfer money has I have in the past to someone in XXXX. This is the only person I have difficulty transferring money to. 

Today, XXXX XXXX put the transaction on hold, and when I called to find out why they grilled me for XXXX XXXX asking how I knew this person ( who I previously had transferred money to 2x on their own systems ), how old he was, when I last saw him, what he would spend the money on, etc. I answered every question without hesitation. 

They kept me waiting for a total of XXXX XXXX, and then said they could not perform the transfer. When asked why, they refused to say. I asked to speak to a manager and was kept on hold for another XXXX XXXX, they returned to say I would need to continue to hold. After XXXX XXXX they hung up the phone. 

During the call the attached email was received at XXXX XXXX confirming the money was transferred. As of now ( about XXXX XXXX later ) the transaction shows as " in progress '' on their website. All the while, they told me it was cancelled. 

XXXX XXXX systems are inaccurate and clearly not communicating consistent information to consumers. In fact, the agent was also deceitful. 
I have transferred money to others today and had no issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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:
HI XXXX 'S! How did you actually verify this account? Impossible! I've contacted this company several times for the last 6-9 months because you're reporting old, obsolete, and trying to collect a debt that's beyond the statute of limitations. When i even contacted XXXX XXXX to see if i can resolve the {$700.00} balance, many of the representatives and managers stated that unfortunately, they can not collect the debt because it's paying the statute of limitation that they had submitted a correction to the credit bureau back in XX/XX/2021 to delete this account from my credit report. You are reporting incomplete, misleading, and multiple innaccuracies. You are causing me so much XXXX and medical issues on this account. I'm trying to buy a house and my mortgage company stated that this account is too old to be reported but it's causing issues with my credit score and DTI.

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 2021-05-03 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: MA

Complaint narrative:
HI XXXX 'S! How did you actually verify this account? Impossible! I've contacted this company several times for the last XXXX months because you're reporting old, obsolete, and trying to collect a debt that's beyond the statute of limitations. When i even contacted XXXX XXXX to see if i can resolve the {$700.00} balance, many of the representatives and managers stated that unfortunately, they can not collect the debt because it's paying the statute of limitation that they had submitted a correction to the credit bureau back in XX/XX/2021 to delete this account from my credit report. You are reporting incomplete, misleading, and multiple innaccuracies. You are causing me so much XXXX  and medical issues on this account. I'm trying to buy a house and my mortgage company stated that this account is too old to be reported but it's causing issues with my credit score and DTI.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: ID

Complaint narrative:
COINBASE  HACK My coinbase account was hacked this morning at XXXX. They managed to ta take {$12000.00} plus of my investments. Leaving {$24.00}. They also managed to take {$1000.00} out of my bank account attached to coinbase. The Ip address XXXX and the email that was used XXXX Not sure at this point if I will get any of the money from coinbase. My bank is working on getting my {$1000.00} they managed to take from my personal account. 
Coinbase is supposed to be safe and secure. The only way I can contact them is through email ... I have had no reply. This is alot of money and hard to swallow. And I'll I get is an email to send my concerns to ... scary guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: GA

Complaint narrative:
I filed a dispute with XXXX  XXXX Bank ( USA XXXX Na over 30 days ago and they have yet to respond to my Affidavit Of Truth, which was sent to them via certified mail. Which they received on XX/XX/21 and they have failed to answer. I informed XXXX XXXX Bank ( USA ) Na that I am disputing their claim. Moreover I requested that XXXX XXXX XXXX ( USA ) Na supply me with copy of the contract with my authentic signature and their authentic signature which makes the contract legal. XXXX XXXXXXXX Bank ( USA XXXX Na never provided a copy of contract with my authentic signature or their authentic signature and continue to report this account to the credit reporting agency. This account should have been deleted off the CRA files. Further more the fair credit reporting act regulates how creditors handle consumers dispute. The statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct. After 30 days have expired if creditor have not completed the investigation the disputed item must be deleted. Finally XXXX  XXXX Bank ( USA ) Na failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a fine. XXXX XXXX Bank ( USA ) NA has failed to show burden of proof 15 U.S. Code 1643 ( b ) Burden of proof In any action by a card issuer to enforce liability for the use of a credit card, the burden of proof is upon the card issuer to show that the use was authorized or, if the use was unauthorized, then the burden of proof is upon the card issuer to show that the conditions of liability for the unauthorized use of a credit card, as set forth in subsection ( a ), have been met. XXXX  XXXX Bank ( USA ) NA has failed to reply to the affidavit, its has been well over 30 days. I am asking that all negative remarks be removed from my credit file which XXXX XXXX Bank ( USA ) NA falsely created.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
Amerisave has the worst customer service of any mortgage company I have ever dealt with, from the start I should have realized when it took much longer to close and getting loan officer to call back took multiple tries. Amerisave mortgage is not reporting my payments and says that I show being in an active Bankruptcy 7 months after it was discharged. I informed them in the beginning of XX/XX/2020 that it had been discharged in XXXX. I have on multiple occasions told them and a simple look at my credit report reflects this information but amerisave refuses to correct the information and report my payments. My online account with them has been locked since we filed in XX/XX/2020 and they charge {$11.00} to make over the phone payments. They did inform me I could mail check payments in however this is very inconvenient and would not be an issue if they corrected the information on their end. I requested information from a customer service representative named XXXX about a the break down of my payment and the escrow accounts and was told that it was against company policy to give out this information without a written request for accounts under an active bankruptcy. She told me to speak to XXXX the Loan Processor which I left 2 messages for today.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX  and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling & Associates, LLC
State: LA

Complaint narrative:
There's a XXXX charge cass number XXXX it's supposed to be closed and it got dropped you still are active I shouldn't have no active cases. 
And I know live back in XXXX Louisiana the address is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Quicken Loans has a serious issue with home insurance not purchased by them, probably because they want to force you to buy their insurance as they are probably receiving commissions from the insurance companies they are working with. 
Because I had problems last year with this issue, I got Quicken Loans to inform me that I could go myself to https : //www.mycoverageinfo.com/QuickenLoans and upload my own insurance policy documents. 
I uploaded the insurance policy on XX/XX/2021. Anyway, Quicken Loans went ahead and purchased an insurance policy with XXXX XXXX XXXX XXXX on my behalf claiming that they had not received the policy I had submitted. I called on XX/XX/2021, at XXXX ET to complain and I was instructed to upload the policy again today, on the same website, which I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
To whom it may concern, My mortgage payment in XXXX was about {$1500.00} per month. XXXX it was dropped to {$1400.00}, but starting in XX/XX/XXXX my mortgage will be $ 1,627.The mortgage company failed to inform me of 2 times the property tax increase. XXXX XXXX of XXXX XXXX only assessed my property {$4000.00} more in XX/XX/XXXX. Now that they underestimated the monthly amount to put into escrow to cover taxes and insurance, they say that it is not there fault and I should pay for their mistake. In addi they still take the same {$330.00} a month for escrow taxes and insurance to this day knowing this will still put me in the negative next year. This big corporation with all these accountants didn't realize that this would be an issue? Please inform them that I should not be responsible for their mistakes. 

RegardsXXXX 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 2021-05-03 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: Block, Inc.
State: OH

Complaint narrative:
I have been the victim of ongoing identity theft and people have tried opening numerous different accounts at different places using my personal information. After it happen the first time ( 5+ years ago ), I thankfully froze my credit and put a PIN on my IRS file. People have once again started using my information earlier this year to file a fraudulent employment claim, open several checking accounts and debit cards, a brokerage account, and a failed attempt to open a credit card. For the most part, I have been able to call the financial institution in question to get the fraudulent accounts closed relatively easily and in a fairly short amount of time and have received some sort of confirmation of account closure. The exception is CashApp by Square. Back in late XXXX, they mailed a fraudulently opened Visa debit card to a former address of mine ( thankfully it is my mother 's house ) that was issued under my maiden name. Immediately upon opening it upon the my next visit to my mother 's house on Friday, XX/XX/XXXX, I called CashApp to get the fraudulent account closed. It was very difficult to find any sort of phone number by which to reach them, but found a number on the sponsoring bank 's website ( XXXX XXXX ). Surprisingly, I got through fairly quickly and spoke to someone. However, he said I could not speak to a fraud team directly and he could not confirm whether there had been any activity on the account even if I provided him the card number. That seemed unfair to me, but he said he would send me an email where I could send the details and I would get a secure link to share the card details. I provided my email address and promptly receive a message from emailsupport@cash.app. However, I never heard anything else after that. I provided the requested summary of the situation via reply email the following day ( and the card data via the secure link ) and asked for written confirmation of the account being closed, confirmation of any activity on it, and ask that they flag their system so that no additional accounts could be opened with my name or personal information. Despite follow up emails to them, I never received a reply. Then, on XX/XX/XXXX, a second fraudulent card arrived at my mother 's house in my name. I spent all day today trying to call them back, to no avail. I called 17 different times between XXXX and XXXX XXXX today and received various different recordings that ultimately cut me off saying that no one was available to speak to me. Sometimes the recordings cited high call volumes, sometimes they referred me to the mobile app which I obviously do not have as I am not a customer, other times it just cut me off. It is unacceptable and unfair that there is not an easily accessible phone number for consumers to call to resolve issues of identify theft being perpetrated through their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
In XXXX my XXXX XXXX contact was mutually cancelled due to the company not being able to provide services at my address. I switched to XXXX network and have been with them since. XXXX of this year I noticed a credit decrease from jefferson capital on my account stating this was for XXXX XXXX I called jefferson capital and asked them to verify this charge and they stated on the phone they don't have any records just an amount owed they also stated that I need to contact XXXX XXXX  for records. I then contacted us cellular and they stated to me that they don't keep records once there sent to a collection agency. I called jefferson capital back and told them I would like to dispute this charge as I was never notified by XXXX  XXXX  that there was a remaining balance nor should there have been. This has been 5 years and no notice or letter regarding this matter. I requested from jefferson capital validation of charges and records from this charge and was only sent two letters with an amount on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
American Honda Financial Corporation handles the financing for a vehicle and a motorcycle in our household. The motorcycle was a new addition and when we began making payments, we added a new bank account for the Honda payment with the intention of paying for the vehicles out of separate accounts. Both payments for the vehicles were made online, using separate bank accounts. An email was received showing we made a change to the bank account information on XX/XX/21, yet when the payment was made for the Honda no confirmation email was received for the payment and it did not show up in " pending '' payments online. We waited several days to see if the payment would clear, then received an NSF from Honda saying the payment was returned - because Honda processed it through the wrong account. The payment was then made again online, using the newly input bank account and once again, no email was received showing confirmation of the payment and the payment did not show up online as " pending ''. To date the payment still has not processed and Honda continues to show the account as delinquent despite my stellar payment history and attempts to make the payment multiple times. A call to customer service yielded no assistance as the person didn't seem to understand what had happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CO

Complaint narrative:
Roundpoint mortgage, like all mortgage companies, is required to refund my overpayment to me within 20 days of closing. They took 34 days to write and mail my overpayment check and I still havent received it 6 weeks after closing. They say I need to wait for it to come in the mail still and that they had trouble getting them out in a timely manner because of some escrow review issues they were having in house - not involving my loan specifically because I dont have my taxes and insurance escrowed. They got all the checks out late last month which is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
I am not able to access my Equifax credit report and neither is a potential mortgage lender. I called Equifax in early XXXX to try to resolve this issue and was told to fax a copy of my license, a bank statement, and a letter explaining my purpose, which was to lift a freeze on my account. I sent this fax on XX/XX/2021. I called again on XX/XX/2021 because I had not received mail confirmation that the freeze was lifted ( I was told I would receive a paper letter XXXX. The first person I spoke to could not confirm my identity and seemed to struggle with my mailing address. He forwarded me to a second person, who said that the documents I faxed in were not linked in my file and I would need to mail them instead. I have included here a copy of the fax that confirms receipt. Further, I was told my account was frozen because I must have requested a freeze. I have never contacted Equifax before now, either by phone or online and have never requested a freeze. I am concerned about having to call, fax and mail out my SSN multiple times this doesnt seem safe. And I have no confirmation that my information is being received and if it is, that it will resolve whatever problem the company has with my account. I am unable to move forward with the home buying process as long as Equifax holds me here. Thank you for your help resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
My name XXXX XXXX, I am a victim of identity theft and ive tried to reach out to XXXX XXXX and explain that i never took this loan out the person who took this out was my late tax prepare who later died she was in distress.

Company response to consumer: Closed with explanation