vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted an application to Select Portfolio Servicing for a loan modification due to Covid and was denied for contradictory reasons. I lost my primary income of XXXX  in my home when Covid hit and was on Pandemic Unemployment Assistance ( PUA ) until it ended on XX/XX/XXXX. During the period of time I was receiving PUA I was able to afford my mortgage payment. Since PUA ended, I have been struggling financially to make an income that will pay my bills. There are two people on the loan, myself and XXXX. XXXX and I have been not living together since XXXX, but remain married on paper for the purposes of retirement ( his retirement goes to me upon his death ). I don't have a retirement so I can't afford to lose this benefit. XXXX is also XXXX XXXX XXXX than me. In XXXX I was able to successfully obtain a loan modification from the same company because they understood the situation and took into consideration XXXX expenses as well as his income, including the fact his income covers his household. When denied the loan modification, they gave me several reasons : 1 ) There was too much money ( they failed to take into account XXXX expenses and allocated all his income to this household ). 
2 ) There wasn't enough income. ( which is it, not enough or too much? ) 3 ) I wasn't on unemployment. ( I would be on it if the federal government extended it ) I have tried to communicate numerous times the specific situation I am in, including voluntarily sending letters of explanation, and expenses statements for XXXX. However, I have been unable to ascertain if the underwriter actually has reviewed them. Furthermore, I am being told there XXXX be other reasons for denial from the investors, such as not wanting to do a second loan modification. Nothing of this was stated in my denial letter, and this is not being transparent. 

I understand that mortgage companies received federal monies to assist people that have been affected by Covid. This is me. I'm trying very hard to make ends meet and generate an income. I'm borrowing money to pay the mortgage and it's not sustainable. If I had received a loan modification, even a temporary one, it would be easier to make the payments. I am scared to death to get behind on my payments because I am afraid of losing my home that I've lived in since XXXX and have no intentions of ever selling or moving. 

I would like my mortgage company to review my file in detail and acknowledge that the scenario is the same as XXXX when they granted me a loan modification, only this time it is directly a result of Covid. 

This is eerily like XXXX when mortgage companies received government funds, but did not pass along to the consumers. I wonder how much they received in government funding due to Covid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc.
State: NM

Complaint narrative:
They will not stop calling even after I ask them every time they call. I do not want to talk to them. They are going by Diversified Services. They get aggressive and tell me that they are not going to stop. I have to hang up on them as they just keep hounding me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: WA

Complaint narrative:
I have purchased bitcoins through Coinbase.com. On XX/XX/2021 I submitted an request for {$500.00} to be deposited to my bank account. 
I received an email that my account was blocked because of suspicious activity. I filed a complaint through XXXX and they were unsuccessful in getting a reply from Coinbase I have had five Customer Service phone calls which led me in circles. 
I have sent emails, I have sent copies of my driver 's license and photo to them at least 3 times. 
Nothing. 
Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: EQUIFAX, INC.
State: MA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-01-27 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:
Transunion is in Violations of several laws of the FCRA Company has received notarized copy of my FTC Report and has not responded to my disputes since XXXX they have signed for dispute and that is attached as well. 

This is an invasion of privacy 15 usc 1692 ( a ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

Law 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation.

FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies FDCPA 15 U.S. Code 1692e.False or misleading representations AND REINSERTING DELTED ITEMS ON MY REPORT 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items was deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly

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 2022-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I bank with Wells Fargo On XX/XX/XXXX I contacted Wells Fargo to advise that I was scammed out of {$3500.00} for a vehicle purchase. I sent a XXXX transfer on XX/XX/XXXX for this vehicle purchase not realizing I was being scammed. Wells Fargo promotes XXXX on their website so this made me feel comfortable using this service under my Wells Fargo account. I felt XXXX was a legit service and if anything went wrong my bank Wells Fargo would step in to help. After all I'm sending money to another bank so if anything went wrong, my bank would do everything possible to retrieve my money. I didn't expect anything to go wrong but little did I know it did. I explained on XX/XX/XXXX when I first filed my complaint under claim # XXXX {$3500.00} dispute. That I was dealing with a XXXX XXXX XXXX XXXX XXXX another name he goes by ) for my vehicle purchase who during the XXXX transaction put in himself the phone number and name of another individual i didn't know which was the name XXXX XXXX who I never met and do not know. I never received my purchase and once I discovered the money went to the wrong person I knew I was scammed and reached out to my bank Wells Fargo. My Wells Fargo confirmation # for the transaction is XXXX XXXX XX/XX/XXXX. I was told that a representative would call me for additional information about my claim and no one every called me back from Wells Fargo Online Claims Dept. I have been calling for over a month trying to get in touch with a Wells Fargo Supervisor and Manager to find out why my claim # XXXX was closed without giving me any real explanation. I'm being told they know it was a scam but unable to do a chargeback. They can only request my money back from XXXX and refuse to give me provisional credit until they get my refund. I had to call back to re open another claim # XXXX which was given on XX/XX/XXXX and I still have not received a follow up call from a supervisor or manager. I continue to get the run around with Wells Fargo and I'm becoming very impatient because I can't get the help that I need from my bank who I never had issues with until now.

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 2022-01-27 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: CA

Complaint narrative:
I'M HAVING A DIFFICULT TIME GETTING THE CREDIT BUREAUS TO REMOVE THE FRAUD ALERT 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 2022-01-27 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: Paypal Holdings, Inc
State: OR

Complaint narrative:
I have {$570.00} on my PayPal account and they would not let me access my funds not only that but now they close my account with no explanation and will not let me access the money I desperately need for $ 180 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a notice sent to you because you have violated my federally protected consumer rights, beginning with my right to privacy, which you have failed to respect as your grave responsibility as a consumer reporting agency as a result of my creditworthiness. Credit capacity and character reputation have been severely harmed, resulting in emotional distress, marital instability, and financial losses. You are also in violation of 18 USC 1028a, aggravated identity theft, by furnishing a consumer report containing specific factual nonpublic private information without my written consent ; and 15 USC 1681b ( a ) by furnishing a consumer report containing specific factual nonpublic private personal identification information without my written consent ( XXXX ). According to 15 USC 1681c, a consumer agency must block the reporting of information in a consumer 's file that the consumer identifies as information resulting from an alleged identity theft no later than four business days after the date of receipt by such agency ( XXXX ). 

You were not provided any written instructions about furnishing items on my consumer report, which is a violation of 15 US C 1681b ( XXXX ), which states that a consumer reporting agency may furnish a consumer report only under the following circumstances and no others : in accordance with the written instructions of the consumer to whom it relates. 

Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

( Ive already submitted an Identity theft report to the FTC )

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 2022-01-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have not authorized anyone to access my credit report. These companies accessed and used my information without my consent. Send me a proof that I authorized this entries or else remove it from 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 2022-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
Gateway refuse to offer assistance to borrower during covid. It is persistently dual tracking the borrower with multiple foreclosure postings while denying the loan for assistance after of multiple submissions by the borrower that are denied because Gateway claims the file is incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: VA

Complaint narrative:
Hello, I have new information in regards to Transunion to follow federal law. I have sent multiple notices to Transunion making them aware of the many violations they have committed and yet they have continuously put their company policy in place of the FCRA. I never gave them permission to furnish anything on my report yet they say they do not need permission from my. Pursuant to 15 USC 1681b it clearly states that without a written express permission from the consumer it is unlawful to furnish anything on my report. The negative information has caused me to lose my job, lose my car, and doesn't allow me to properly extend my credit for credit cards, apartments, etc.

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 2022-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX AWA collections started collecting for an already previously indicated fraudulent account. 
The same information was reported to the credit report on XX/XX/XXXX. This is a clear violation of the fair debit reporting act. Had this company notified me prior to placing this account on my credit, they were received the documents necessary to remove this account from their system as a fraudulent account. This is a clear violation of : 15 USC 1692g sec 809 Fair debit collection practice act. 

The information that AWA is trying to collect for was already removed from the credit report from a previous collection agency trying to collect on the same debt. That debt was deemed a fraudulent debt it was probably removed from my credit report. AWA was notified on XX/XX/XXXX from me as well as XXXX of this error and made no action to correct it. This is a clear violation of section 15 U.S.C. SS 1681i Of the fair debit collection practice act. 

AWA collections then started feeding me false and in accurate information. Id ask for the fraud department and I received no way or means of contacting this department. I was told that a supervisor will return my calls the very next day who deals with these issues. That was on XX/XX/XXXX. Unfortunately no call was ever placed in response back to me as of todays date. 
This is a violation of 15U.S.C.1692e SS 807 false or misleading representation. 

AWA collections was given prior notice of this debt being a fraudulent account by XXXX and by myself. This information was given immediately following the original reporting of this debt by AWA collections on XX/XX/XXXX. AWA collections failed to sis collection of this debt after been notified prior that this is a fraudulent account. Fair to do that violates section 15U.S.C.1692F subsection 809 ( a ) ( 4 ) ( b ) Validation of debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO

Complaint narrative:
Community Loan Servicing my mortgate provider reported my account ever late 180 days to 3 credit bureaus having me on " forbiddance plan '' covid relief program witch allows you not to make mortgage payments .I called several times and was told that multiple customers were reported to credit burrows by mistake.Report date XXXX was told by representative that on XX/XX/XXXX Community loan servicing sent letters to XXXX credit bearou to remove incorrect information.I talked to XXXX representaive on XX/XX/XXXX and he could not confirm that any disputes were associated by lender. 
I attached copy of the forbiddance plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'M HAVING A DIFFICULT TIME GETTING THE CREDIT BUREAUS TO REMOVE THE FRAUD ALERT ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. 
to his day over 60 days later I have not received a response yel I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XXXX, Home Depot advertised a discount for opening one of their consumer credit cards based on total purchase price. The consumer card is issued by Citibank. To get that discount, they provided a code to use at checkout to obtain the discount, after you signed up for the credit card. I placed an online order for a toolkit which also came with a " free '' tool. During checkout, I entered the discount and the discount appeared, lowering the total by {$50.00} as expected. I checked out using the credit card I was just approved for. Immediately after submitting the purchase, the final receipt that was displayed had the discount removed and the full amount was charged to the credit card. I immediately called the phone number provided for the account center and was told, the discount will appear as a statement credit on the credit card. 

When the first statement did not include the credit, I contacted them via the credit card secure message system on XXXX. I received a boiler plate response which did not address my specific issue. I immediately responded that it did not address the issue. The next response said the credit may take up to 2 billing cycles, if it does show up after that, contact customer service. The next statement did not show the credit and I contacted them via the secure message system on XXXX. They responded my request has been received and forwarded for review and I should feel free to check back in a few days. 

On XXXX, I still had not heard back. I sent another message but instead of waiting for the response which was likely to blow off the matter again, I called. The representative contacted some other department and finally explained, the purchase had another discount which voided the offer. I explained, again, how the discount showed at checkout, then was removed when I submitted the order. I called, was told it will show up as a statement credit. Two months after the purchase, I am told the discount I was given for opening the credit is no good because the item I purchased had a free item included which appears as a discount on the order. In that case, the checkout system should not have accepted the discount code. When I called with my concern about the order, I should not have been told it would show up as a statement credit.

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