vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I have lived in my house since XX/XX/XXXX with no issues. Since XX/XX/XXXX, Shellpoint mortgage servicing has been charging me for insurance on the home which I have told them numerous times I already have insurance. I have called and emailed back and forth over 50 times in the last 14 months to no avail. I provided my homeowners insurance policy and the condo association insurance on the home but this has simply not been resolved. I have continued to make my regular mortgage payments before the XXXX of each month as agreed on my original mortgage contract but they keep claiming it is a partial payment until I pay the additional insurance which I have already purchased on my own. At first, they claimed the name was different and I provided proof of such, then they claimed not to receive my policy, so I emailed, faxed and had the insurance company fax, email and mail a copy of the insurance. At this point, 14months later, I simply do not know what else to do. Shellpoint is trying to bully me into purchasing an insurance I already have and incorrectly applying my mortgage payments in an attempt to foreclose on my home. I diligently make all my mortgage payments on time as I need a home for myself and my family. Please help. I am simply a small citizen going against a huge mortgage company that chooses to bully its mortgage holders. I have attached proof of communication as well as proof of insurance which they have a copy of as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: GA

Complaint narrative:
Im gettin really frustrated disputing with these credit bureaus, I send dispute letters off over a month ago on XX/XX/21 and still no response. Im very aware of the law and know according to the FCRA these disputes should be validated within 30 days and failure to do so gives a reason to immediately remove those items from my credit report, it has been over 40 days so they should be deleted promptly. I need this problem fixed ASAP I will not wait another 40 days to receive no response because the FCRA clearly states it is LAW to have resolution within a 30 day period. In Section 611 ( a ), of the FCRA it states that a failure to investigate these items within 30 days demand these accounts be deleted immediately or will file for litigation due to the financial damage you caused 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
Consumer complaint received 2021-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
I opened a savings account with Axos Bank a few weeks ago. They had and still have an advertised interest rate for this type of account of 0.61 % APY. In a matter of days they dropped my rate to 0.15 % APY but they are still advertising the same 0.61 % rate on their website and the internet. 

Today is XX/XX/XXXX. I contacted the bank to ask about this and they were aware that their website listed a different interest rate than they were paying me. They said it is a variable interest rate account and it was at the managers discretion that they dropped the rate. Yet they still advertise the higher rate. They would do nothing to address this concern that I raised. I feel they are falsely advertising a higher rate that they initially pay for a few days then do a bait and switch and drop the rate down -- as a means of luring new customers to their bank. The decrease is substantial and way lower than what competitor banks are charging at the same time which today was in the 0.40 % and higher range. 

They had no market basis for their significant drop in rates and still promote the higher rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
Few years ago I paid a debt in full with XXXX systems. Thry stated to me if I pay my whole debt off they would give me a deletion letter and would be taken off my credit report it has not. And it's effecting me and my family from purchasing a new home.

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 2021-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/2021, I decided to close my crypto account with Coinbase.com. I had {$980.00} that was supposed to transfer to my bank account, but when I tried to initiate the transaction I kept receiving the error " you're closing too many accounts, try again later ''. I contacted Coinbase to inform them of the problem and generate a case # # XXXX and was told that it was being transferred to a " specialist ''. I have not heard from anyone since then and my money is in " limbo '' with no resolution in sight. I need some assistance as I need this money for other purposes. Please help me. Thank you in advance for your attention and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/2020, I informed Discover that I would not be able to make my student loan payments due to being without an income as the grace period ended. I did complete two payments but was laid off shortly after and informed them right away. 

I was told that I needed to call a number to report my request to defer payments. I replied promptly that I am XXXX and unable to verbally communicate. I was not offered an alternative accommodation to request this. This has continued for months. They have no reported this on my credit report and put me under default.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
I have had a home mortgage with XXXX XXXX ( Loan servicer is LoanCare ) since XX/XX/XXXX. Recently i refinanced that loan and the loan amount with XXXX XXXX was paid off on XX/XX/XXXX. At that time my loan had an escrow balance of {$7300.00} which I should be refunded. Since then i have been trying to call XXXX XXXX and Loancare the servicing company used by XXXX XXXX and have not been able to speak to a customer service representative to understand how i will get my escrow balance back.

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 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am being taken advantage of by the Bureau Equifax and the creditors, I have spoke with all companies involved in this matter of unauthorized inquiries being placed on my consumer file. I spoke with representatives from Equifax and the creditors who are responsible for those unauthorized inquiries on different occasions to get this issue fixed and they all are lying to me. Equifax told me by phone that I need to contact the creditors who placed the inquires on my consumer file and tell them to write requesting them to remove the inquiries. I also contacted the creditors that placed the hard inquires on my credit file and was told by representatives that the Bureaus are responsible for reporting and have the authority to remove the inquiries from my credit report. I am being taken advantage of as a consumer and being lied to by all parties involved and I am seeking litigation because of the FCRA laws state that information that is inaccurate and unverified has to be removed from one 's credit report and Equifax is reporting Inquiries that do not belong to me nor have open accounts with any of the creditors that has reported that to the bureaus. This is fraudulent, I am totally in distressed and very harmed by this matter, I feel I am being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a dispute to XXXX and Experian via certified mail on XX/XX/XXXX, although I saw a new dispute was opened with XXXX through the dispute portal, I have yet to receive a response from this company. Experian never opened a dispute until today XX/XX/XXXX after my initial complaint to CFPB. They are both reporting inaccurate information on my credit file as well as incorrect addresses. I only live at one address and I have reached out to all current and past creditors and bureaus to update this information and have received push back. This is putting me at risk of someone obtaining my information from creditors. 

The accounts in particular that have not been properly investigated are : XXXX XXXX showing the first date of delinquency as XX/XX/XXXX on Equifax reporting but on Experian its XX/XX/XXXX. This is aging the file to remain longer on my report please remove as this is further damaging my credit history. 

XXXX XXXX XXXX is showing the original delinquency date as XX/XX/XXXX with a charge off of {$73.00} but has fluctuated the balance past due as {$450.00} and {$450.00} on XXXX month over month, but showing first delinquent date as XX/XX/XXXX on Experian with {$450.00} past due. Please remove as they are not updating this file to report accurate information to the other bureaus. 

Fair Collections & outsourcing XXXX was not properly investigated and shows date of delinquency as XX/XX/XXXX on XXXX but reporting XX/XX/XXXX on Experian. please remove this file as it is reporting different information on different bureaus further damaging my credit file.

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 2021-05-13 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: VA

Complaint narrative:
I contact Experian about incorrect date and possible re aging of my account. 
they refuse to let me file a dispute for the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account 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 2021-05-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I borrowed money from private lender for my business ( {$50000.00} ) but when when the money came into my account, Capital one bank restricted the fund after several calls and copy of singed agreement was email to them. 
Every day, i am losing {$750.00} from my business and i have to start payment on this month XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OR

Complaint narrative:
I am currently on the IDR plan under PSLF. I have been tracking my payments counting down to my 120 payments. In XX/XX/XXXX when submitting my income recalculation, I also submitted bank statements from all payment made as the # of payments made are off by 4. So I requested my payments to be recalculated. As no progress had been made when I submitted for income recalculation in XX/XX/XXXX, I again submitted request for payments to be recounted as the XXXX payments listed below still are set as not qualifying. 
XX/XX/XXXX for {$190.00} XX/XX/XXXX for {$410.00} XX/XX/XXXX for {$350.00} XX/XX/XXXX for {$680.00} These are listed as non qualifying but yet were auto withdrawn from my account. 
I have spoke with employee # s listed below asking for updates. 
XX/XX/XXXX : # XXXX XXXX which said its pending review. 
XX/XX/XXXX : # XXXX XXXX. Said still needing review XX/XX/XXXX : # XXXX XXXX. Said recalculation were approved. 
XX/XX/XXXX : # XXXX XXXX. Said submitting recalculation for dated and payments listed above. 
XX/XX/XXXX : # XXXX woman said it is still pending and there is no time frame when will be completed. 
By my calculations I will hit my 120 payment XX/XX/XXXX. I am wanting to make sure that my payment are counted before my deadline or I will be making extra payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WI

Complaint narrative:
My loan was transferred to XXXX ( LoanCare ) in late XXXX XXXX XXXX from XXXX XXXX XXXX ( XXXX ). We had previously paid our XXXX mortgage payment to XXXX on XX/XX/XXXX, which was then transferred over to XXXX in a bulk wire transfer on XX/XX/XXXX. XXXX mishandled the payment and did not apply it to my account, and have been unable to resolve the issue in the 4 months that followed. During that time period I have called and spoken to their customer support, payment research, and supervisor teams on 15 different calls spanning 12 hours in duration. I have provided LoanCare with full banks statements and wire transfer information that I collected from XXXX per LoanCare 's request. I have complied with each of their requests, but they have still not resolved the issue and have applied late fees to my account and threatened me with foreclosure on my mortgage. LoanCare has failed to respond to any of my requests or complete any action on their end to help rectify the issue. They've ignored scheduled call backs and will not give me contact information to reach them directly. Each call indicates the issue will be resolved within a week, and each time they fail to make any progress yet they have marked my account as delinquent and applied late charges even when knowing this is an issue they caused. I have provided them with all of the information that I possibly can and I have run out of options for how to move forward. I am submitting a formal request here as I do not know what else I can do to reconcile this issue. There mishandling of this payment and inability to help resolve an issue that they caused is unacceptable and has been the worst experience I've had working with any company in any industry. We unfortunately can not chose who services our loan in a transfer like this, and being left with LoanCare has cost me far too many hours of my time and has made me worried about my financial reputation even though I have made every payment on time and followed their instruction every step of the way.

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 2021-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
New CFPB Claim & Re-Opening of Claim # XXXX SPS ( Select Portfolio Servicing ) Committed Fraud and misrepresented their answer ( s ) to this Federal Government Agency & the CFPB. Additional concerns for misconduct, fraud and impending litigation for misconduct and illegal acts also enclosed should also be of concern to this agency for Crimes against the consumer committed by SPS. 

See all attached ( First Document is summary ) New Complaint or request to re-open and correct wrongful decision to close the file based on Lender 's fraud, Lies and deliberate misrepresentations to this agency in-order to win a favorable decision by the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: PA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my report. To this day over 90 days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 it is plainly stated that a failure to investigation. 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 stress you caused me. My information was also impacted by the Equifax data breach and many have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: TX

Complaint narrative:
There exists a problem with fraud as it pertains to CashApp which supposedly is owned and/or operated by Square Inc . The bottom line is that, I have {$40.00} in my CashApp account which is effectively stolen by Square Inc., and in the possession of Square Inc., to which I have no access whatsoever. I have a CashApp debit card in my possession to which all of my in person transactions have been and continue to be denied without any explanation whatsoever. Even worse is that I have absolutely not way, whatsoever, to get in contact with CashApp regarding the inaccessibility to my funds. On XX/XX/2021 at or around XXXX XXXX. CT I tried to login to my CashApp account online via a full web browser and I received a message stating that the request could not be processed and to, instead, access support via the CashApp app on my cellular phone. The problem here however is that when attempting to access support via the CashApp app the app repeatedly crashes each and every time. Thus, I am not able to contact CashApp via their very own prescribed methods of contact. Furthermore, I am not able to contact CashApp via telephone either. Thus, I have no means, whatsoever, to contact CashApp and I have no access to my funds in my CashApp account. This is fraud by definition and is causing severe distress since this is the form of payment used for day to day transactions. See attached notice via CashApp ( Square Inc. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I already reached out to the credit bureaus and to JPMCB - CARD SERVICES and notify them of their error posting for this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. No proof that this account belonged to me was given. No documentation was ever sent/received. The purpose of a time frame was to assure customers that disputes are taken so seriously that results must be completed within a reasonable time. They have failed to provide documentation and proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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:
Im gettin really frustrated disputing with these credit bureaus, I send dispute letters off over a month ago on XX/XX/21 and still no response. Im very aware of the law and know according to the FCRA these disputes should be validated within 30 days and failure to do so gives a reason to immediately remove those items from my credit report, it has been over 40 days so they should be deleted promptly. I need this problem fixed ASAP I will not wait another 40 days to receive no response because the FCRA clearly states it is LAW to have resolution within a 30 day period. In Section 611 ( a ), of the FCRA it states that a failure to investigate these items within 30 days demand these accounts be deleted immediately or will file for litigation due to the financial damage you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I wired {$4500.00} from my chase account to XXXX for my XXXX XXXX investment account. I was also charged a {$25.00} wire fee which was refunded. Again I sent money from XXXX to XXXX through XXXX wire with a reference number XXXX I sent it to XXXX XXXX XXXX account number ending in XXXX. I dont see this number in the confirmation ledger. ONLINE DOMESTIC WIRE TRANSFER VIA : XXXX XXXX XXXX : XXXX XXXX XXXX NY XXXX XXXX REF : FROM XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX XXXX XXXX : XXXX TRN : XXXX XX/XX/11 When i call XXXX XXXX they say they dont see it in the que and they cant find it for the last 3 days. Chase finally put in a recall after me calling 100 of times one person a supervisor said its completed its lost and hung up. This is not right. THIS IS A FEDERAL WIRE THAT INSTRUCTIONS WERE SENT PERFECTLY. 

THIS IS A VIOLATION OF MY CIVIL RIGHTS I CAN NOT EVEN WIRE MONEY LIKE EVERY OTHER AMERICAN AND NOT HAVE ANY PROBLEMS I AM A XXXX VETERAN AND THIS IS A VIOLATION OF MANY MANY MANY MANY MANY FEDERAL LAWS HELP ME GET ME MONEY

Company response to consumer: Closed with explanation