vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
Description : I purchased XXXX in Bitcoin using the application Coinbase  in XXXX of 2021. Since that time, I haven't done any other transactions using the Coinbase  application. On Monday, XX/XX/XXXX at XXXX, I received a text from I believe Coinbase ( number on text was XXXX ), stating a " New Login successful. If this was not you, visit coinbase.com/disable ''. People have told me never click on the link in a text that you are not absolutely sure who it is so I didn't. I called the support number for Coinbase and disabled the account. At approximately XXXX that night someone withdrew from my entire portfolio of {$18000.00} leaving me with a XXXX  balance. I had to have Coinbase recovery my account which took 3 days. On XX/XX/XXXX, at XXXX, i received another text ( from XXXX ) stating the following " withdrawal successful. If this was not you, visit coinbase.com/disable ''. At this time my account was in recovery so I could not signon. On XX/XX/XXXX, at XXXX ( from XXXX ) stating " Your coinbase account recovery is successful. You should now be able to signin ''. This is when I found out my portfolio was XXXX. Since then I have sent all the information to Coinbase who has opened case # XXXX to investigate my fraud case. It's now XX/XX/XXXX and seven days have passed and no response from coinbase as of yet. I have filed a police report with the local station here in XXXX XXXX. The police record for my case is XXXX and Officer XXXX XXXX was the policeman who spoke with me. He call me on the evening of XX/XX/XXXX at XXXX to follow up if I had heard back from coinbase which I informed him I had not as of yet. He did send an email to coinbase as well on XX/XX/XXXX the day I reported with all my information. Last night he said he would send another one and check back with me in a week. I am very frustrated at this point since there is no one to speak with at coinbase, everything being handled via email. Where can I turn to at this point?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: FL

Complaint narrative:
Experian has consistently violated my federal rights for going on over a year now. It has gotten to the point I have had to hire a lawyer. I have tried to communicate directly with Experian and show them in writing where they have violated federal law and still they have refused to acknowledge these laws. The federal laws Experian has chosen to ignore are 15 USC 1681b as well as 15 USC 1692g. I have sent certified letters, I have sent screenshots of the laws they have violated, I have asked for proof which is required according to federal law, and they still have not complied. I advise Experian to cease and desist collecting and reporting the accounts until they have provided and supplied the full, thorough details surrounding their reasoning for keeping the accounts on my report against my wishes as a consumer. This is not only harming my credit report, it is also harming my chances of owning a home. Experian should not be allowed to get away with breaking federal law and that is why I am here in hopes that these accounts be removed from my credit report.

Once their reinvestigation is complete, I would like for Experian to mail me a copy of my new and updated credit report pursuant to 15 USC Chapter 41.

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 2021-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I'm complaining against my loan servicer Mr. Cooper. I have a conventional loan, the owner is XXXX XXXX and the note holder is Nationstar Mortgage LLC. I have been on a forbearance for the last 8 months and asked for a loan modification. The loan modification provided, which I rejected, did not modify my high interest rate instead they extended my loan to a 40 year from a 30 year reducing my payment only {$200.00} per month. According to the FHFA as of XX/XX/2021 press release " Expands Use of Interest Rate Reduction to Help Borrowers with a COVID-19 Hardship Reduce Their Monthly Mortgage Payment '', Mr. Cooper did not follow the guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: NJ

Complaint narrative:
United Collection Bureau purchased an alleged debt with my sons private and personal medical information from XXXX  XXXX. Then the sent a letter to me in the mail stating they are attempting to collect a debt in the amount of {$200.00}. This is identity theft and fraud. They violated many laws including 15 USC 1692a by invading my sons privacy. Someone at United Collection Bureau will be criminally liable for willful and knowing violations under 15 USC 1611.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: FL

Complaint narrative:
Hello I am making a complaint against two debt collectors & their information can be found below. First the account with the balance of {$520.00} is inaccurate. The past due balance was nowhere near that high, I asked how they came to that balance but the debt collector refused to give me that information. The second account with a balance of {$63.00} was paid in full with the original creditor but the debt collector is still trying to collect on the balance. 

Collection Accounts : Debt Collector Name : AFNI Balance : {$520.00} Account # XXXX Contact Number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, IL XXXX Debt Collector Name : XXXX XXXX XXXX Balance : {$63.00} Account # XXXX Contact Number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are 3 accounts reporting on my Equifax report that do not belong to me. 
The accounts keep coming back as verified when Equifax submits disputes for these accounts. Verification is confirming who the original creditor is, which is myself, XXXX XXXX. I submitted an FTC report to equifax and it was received by them on XX/XX/2021. 
The accounts are as follows : XXXX, XXXX, XXXX XXXX XXXX. Please block and delete these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
On XX/XX/2021 I submitted my initial complaint XXXX in which I stated tha I am unable to access my account to set up automated payments or review any information. Since then I have made multiple attempts to resolve the issue contacting customer service and escalating the issue to SLS escalation department. I have contacted the primary escalation supervisor, XXXX XXXX XXXX, multiple times and left voicemails. He has failed to respond or return any of my calls. 

I have been told that my account fully transferred from XXXXXXXX XXXX to SLS on XX/XX/2021. My final payment to XXXX of {$3000.00} was transferred to SLS shortly after. It has not been applied to my loan. On XX/XX/XXXX, made an electronic payment from my personal XXXX account to SLS. It was received by SLS on XX/XX/XXXX. SLS refused the payment ( see attached ). On XX/XX/XXXX, I made a payment to SLS via the phone of {$2200.00}. This combined with the {$3000.00} should have been applied to my XXXX payment. Neither of these payments appears to have been applied to my loan as my latest notice from SLS shows an outstanding payment balance of {$10000.00} I have no faith in SLS managing my payments via the phone or accessing my personal checking account. I would like to be able to make the payments via my chase account and have documentation that they are paid.

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 2021-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/2021, {$30.00} : This company has failed to apply the payment within a timely manner, and has placed a hold onto the payment and available credits, for verification of receipt of funds from the bank for 30 days. 

However, the funds have already been received, and there has never been an issue with any payments being made on this account. 

And all payments have been on time. But I am concerned about the fluctuating available credit being removed several cents to a {$1.00} continuously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
We began receiving statements on BB & T accounts, a checking account and money market account, that we did not open. Then we received correspondence indicating overdraft protection had been approved. We contacted the BB & T fraud department at the bank and nothing was done. We continue to receive statements from the bank showing debits occurring in the account. We went to the local branch of the BB & T bank and asked the representative to close the account. That was refused. The account remains open. It is accessible via an online account, it has debits being removed and we are concerned this is going to impact our credit report overall. Please assist us to get this account closed. It is a fraudulent 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 2021-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I was scammed by someone I met online. They asked me to cash a check with I later found out was a bad check followed by them asking me to transfer Bitcoin to them in the amount of {$950.00}. I later called Cashapp who I made the transfer with and they said there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIRST HORIZON BANK
State: NY

Complaint narrative:
The mortgage company is First Horizon.

On two different occasions, I needed to do a loan modification due to financial difficulties. HUD was to receive partial payments. On XX/XX/XXXX I have proof that {$5800.00} was paid to HUD via electronic transfer and on XX/XX/XXXX a settlement for {$18000.00} was paid to HUD via electronic transfer. However, according to HUD, they know that I paid however, First Horizon never actually deposited the money. They stated that I was an oversight at First Horizon.

I have made many attempts to resolve this with First Horizon since XX/XX/XXXX. They have promised to send me E-files, faxes and a letter via XXXX from customer service, but none of these items have arrived. They do have documentation however, now one can tell me where the actual money went. 

I have since sold the home and it is paid off however, the above amounts have been held by the title company until this is resolved. 

I need assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
Company name is first Federal credit control. I sent out three letters asking for medical debt to be validated. They havent sent me anything that proves the debt is mine, they only send me letters saying I have to pay it and sent me a copy of the reason for hospital visit which is violating hippaa. Amounts are {$1300.00} and {$120.00} from First federal. I have attached proof of hippa violation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
on XX/XX/XXXX XXXX AND ON XXXX XXXX i was contacted by debt collection company by the name of south west credit systems in regards of a debt .ias a consumer and a natural person i am not obligated to pay an ALLEGED DEBT ..i have asked this company to remove my number from their files cause they have the wrong person ..im demandind this company do not resell this false debt to no other debt collector. THIS COMPANY HAS CONTINUED TO HARRASSED ME ..THIS IS A VIOLATION TO MY RIGHTS AS A CONSUMER ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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 regarding inaccurate and unknown things on my credit report to XXXX XXXX  and Equifax. As of today, over 45 days later, I still have not received any response from those disputes. I feel as if I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly 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 45 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 been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I recently filed bankrupt and Experian is showing my XX/XX/XXXX payment with my mortgage company as being late along with several others of my creditors. Not only are these company not to report anything negative about me, they haven't. Plus I was never late on any of them. In fact, it was because of Experian 's reporting, I had to file for bankruptcy, I wasn't able to refinance. I disputed with Experian against XXXX having me owing them over {$1700.00} no change, then finally I filed a complaint with CFPB and then it was removed. They reported that I have late payments with XXXX and XXXX the two knowingly crooked companies. I didn't realize that paying by XXXX XXXX that they considered that free money and reported that I hadn't paid. Any kind of way Experian can show me in a bad light they did, whether it was true or not. I guess it has been 7 years with XXXX, because they are not showing negative. But in XXXX will be 7 years with XXXX, because they are still reporting that I made late payments from XXXX to XXXX  120 days late, " really ''. Even though the account was paid in full in XXXX and paid on time, they still report late payments at the fore front of their report. I paid all of my accounts up until I filed, because I had no other recourse. Even if I had been late, it is against the law for them to report negatively and they know this. But Experian is bold enough to report fraudulently on their behalf.

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 2021-08-06 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: TX

Complaint narrative:
Filed several dispute against inaccurate collections data on my Transunion credit report they refuse to remove the inaccurate information and acknowledge the documentation.

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 2021-08-06 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: IN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm 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 30days 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: World Acceptance Corporation
State: LA

Complaint narrative:
Started the loan a world finance on XX/XX/XXXX and ended XX/XX/XXXX the amount was {$850.00} this action is taken by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: LDF Holdings, LLC
State: MI

Complaint narrative:
I referred several people to this company prior to my loan defaulting. On XX/XX/2021 one of the individuals that i referred to the company applied for a loan. This individual is not a relative of mines, however is residing in my home temporary. The gentleman sent me a text message while he was at work indicating the following " They turned me down because you already had a loan with them and its in collections ''.

This individual SHOULD NOT be privy to my personal information!!! This individual do not know anything about my personal finances and should not have been informed by this company. This is illegal. I am not married, he is not my husband and I did not give this company permission to discuss my debt with ANYONE. I am going to file a lawsuit. I am embarrassed by their actions and feel violated and judged.

Additionally, why deny a person who have no connections to me legally because of a debt they don't have anything to do with. Isn't this illegal too.

I also recorded the conversation when i called and informed the employee that i was recording the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
there are several accounts showing wrong information on all three of my credit reports. I have disputed these inaccuracies with all three bureaus and they refuse to remove them. Instead they are continuously updating the information in their system. I am one of several consumers who's information was apart of the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion has beeb reporting alleged accounts on my consumer report without my permission. I never gave written permission for them to do so and they have violated my rights as a consumer pursuant to 15 USC 1681b congress has said. I've attached the affidavit of truth.

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