vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
XX/XX/XXXX I went to XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX for assistance with my mortgage and loan modification application. With the help of a housing counselor we submitted the complete application and called every 3 weeks for a status, each time i was asked to provide additional documentation ( check stubs, 1099 letter of explanation etc ). I provided all information requested on XX/XX/XXXX, I called the lender for a status and call was lost after more than an hour hold. I called back on XX/XX/XXXX with Housing Counselor on conference, and after an hour hold call was dropped. We conference call back and after 1 hours same thing, call dropped. 
We called for the third time and spoke with someone who states the application was denied as they were waiting for profit and loss. The profit and loss was previously submitted on XX/XX/XXXX. I called the end of XXXX before the holiday and was told to call in a week or tow. Then the customer representative states it was denied as the profit and loss statement was not signed. I advised it was signed on line 1. she placed the call on hold and hung up. I am submitting another application, however, i can concerned that i will have the same issues and i am not getting help and timely information to comply. This prior application was decisioned before I was able to comply. I am still waiting for the letter of denial sent XX/XX/XXXX per the lender. I have attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE

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 2022-01-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In XXXX of XXXX I reached out to XXXX for warranty support on my hot tub. After troubleshooting, they determined it would need to be repaired, but they could not send a person to fix it because of the pandemic. They said they would send a replacement, an proceeded with the order and transferring my extended warranty. After the original delivery date passed, I checked online and noticed it was postponed. This happened every three months and I called in XXXX to find out what their plan was if it wasnt going to be replaced. They said I would be notified it there was any change to the next shipment date. When it passed, I logged in to contact them again to see what their plan was and noticed the shipment was cancelled. This was XX/XX/XXXX. I immediately called them and they stated that a refund was issued to Comenity bank on the card I used, and that another refund was in process. {$3400.00} on XX/XX/XXXX, the stated, was refunded to my card. {$140.00} was processing to be refunded. They transferred me to Comenity bank to find out the status. They said they did not receive a refund, but it would be processed by XX/XX/XXXX because it takes 30 days. The representative assured me this would happen. On XX/XX/XXXX, XXXX reached out and said they were working on resolving this. I repeatedly asked for a transaction number or something that proved a refund was given, and they would not provide it. I kept getting told that was the finance department, but was not able to talk to them or email them. It is now XX/XX/XXXX and the refund is still not showing, I have not received the overage, because my account is {$2000.00}. This would mean I should receive {$1500.00} after the card is paid off. They refuse to assist or contact each other to find this refund and provide my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC
State: TX

Complaint narrative:
Global Lending Services placed a fraudulent inquiry on my account on XX/XX/2020. I contacted via mail with a written letter to ask them to remove the fraudulent inquiry. Their first response on XX/XX/2020 stated they pulled my report based of a credit application submitted by XXXX XXXX XXXX, in which I did not give consent for them to run my consumer report. On XXXX XXXX they sent another letter stating they would remove the fraudulent inquiry. They are in violation of several FDCPA Laws which govern them and protect me the consumer against their piracy and predatory actions. They had no right or consent to use my consumer report. I also sent these documents and affidavit to their Registered Agent. The affidavit I sent was actually notarized, I can not make a copy of a notary signature so this copy in this complaint will not have the notary page filled out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: FL

Complaint narrative:
Please help me with Equifax. Attached is a detailed description of my complaint. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
XXXX XXXX XXXX : XXXX Old Address : XXXX XXXX XXXX XXXX FL XXXX To whom this may concern, I would like to apologize for the debt that was accrued toward your business ( XXXX XXXX XXXX. Unfortunately, it was a crazy time in XXXX I had just split from the mother of my child and we weren't living together. 

I simply never received the debt notice that was sent to the home. Again I apologize for the debt not being repaid in time because my being unaware there was still an amount owed. 

Covid brought a lot of unnecessary hardship that I am still managing currently. If there is anything at all that may be done about clearing this paid debt it would be greatly appreciated. At this moment I'm in the process of finding a home and this negative mark on my credit is adversely affecting my ability to do so. Please help however possible. 

Thank you for your time and understanding, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Block, Inc.
State: OH

Complaint narrative:
I took a short term loan from the cashapp XXXX for {$220.00}. Today I tried to revoked my consent for automatic loan repayment and they said it was irreversible and refused. XXXX is wormed by square inc . 

Here is their contact info XXXX ( XXXX ) XXXX. 

Cash App XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have been disputing the accuracy of a repossession that appears on my credit report. It's from XXXX, but the repossession happened while I was incarcerated and had my identity stolen. The address listed on the repossession paperwork the company sent me has an address on it that I have never lived at. 
Furthermore the date has been re-aged. I have had no activity to this account since XXXX. 
Yet they are showing Date Last Active : XX/XX/XXXX XX/XX/XXXX on various reporting agencies. Neither date is correct. 
I also asked for a the following information and never received them : Original purchase price. 
Date and amount of all payments made. 
Date of repossession. 
Value of car at date of repossession.

Amount the Car was auctioned off at.

If this isn't removed from account due the fraud enacted with the re-aging of this accounts activity. I have proof that I was unable to to act on the account long before listed. If this matter and the requested paperwork is not provided, I will be retaining legal counsel, as I have already brought this matter to their attention, and are interested in this case.

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 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have been disputing the accuracy of a repossession that appears on my credit report. It's from XXXX, but the repossession happened while I was incarcerated and had my identity stolen. The address listed on the repossession paperwork the company sent me has an address on it that I have never lived at. 
Furthermore the date has been re-aged. I have had no activity to this account since XXXX. 
Yet they are showing Date Last Active : XX/XX/XXXX XX/XX/XXXX on various reporting agencies. Neither date is correct. 
I also asked for a the following information and never received them : Original purchase price. 
Date and amount of all payments made. 
Date of repossession. 
Value of car at date of repossession. 
Amount the Car was auctioned off at. 

If this isn't removed from account due the fraud enacted with the re-aging of this accounts activity. I have proof that I was unable to to act on the account long before listed. If this matter and the requested paperwork is not provided, I will be retaining legal counsel, as I have already brought this matter to their attention, and are interested in this case.

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 2022-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Wonder the guise of Free conversion from crypto to crypto coinbase charges a huge spread when making these Free conversations. They need to disclose the spread and the cost of that crypto to crypto transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVING ISSUES WITH THE CREDIT BUREAUS CORRECTING THESE MISTAKES ON 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 non-monetary relief
Consumer complaint received 2022-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
We went into forbearance with a mortgage balance of approximately XXXX. After we came out of 12 month forbearance, US Bank took our missed payments and just added them onto our principal. Our mortgage increased to almost XXXX. How is this legal? We did not take any money. Essentially we added 12 months to our mortgage. We do not know what to do.

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 2022-01-26 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: TX

Complaint narrative:
Lets make this very clear, I am fed up with the excuses I am getting from you in regards to this account. This is not my account. If you can not provide me proof of this within 30 days then you MUST delete this bankruptcy at once. I will no longer tolerate this tremendous error to occur in something so sensitive and serious as is my credit report. 
This is the account that needs to be removed from credit report : US BKPT CT XXXX  XXXX XXXX XXXX Remove this account at once and since you claim that you have confirmed with them I need to see this suppose document with my signature on it proving this. If you can not provide me with this within the 30 days then you HAVE to remove that account. Do not push me to take legal actions!

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 2022-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: AZ

Complaint narrative:
I have an account with the company XXXX XXXX. Its supposed to be a secure wallet that they advertise they have no access to your funds. Your keys your crypto. Iv been in crypto daily and have several accounts on several different platforms. This being the only one to have this issue. Iv got to pay taxes on this account and it shows several times that hundreds of thousands of dollars was sent and received into my account. Proven on XXXX. In the form of BNB. The issue is the money has never show up and the coins arent there. This has happened 3 times. Iv sent emails to support and no response. I would expect to see my coins in my wallet if they where sent to me and showes a taxable transaction for me. Thats money laundering and Im the wrong one Im very crypto fluent from the tax standpoint. And you cant change the XXXX so XXXX XXXX is false advertising that they cant access your wallet. Thats a lie there was a hack and the hackers sent the coins to every address on a certain blockchain and we all received coins. Then the coins disappeared and was reported trXXXX XXXX returned the coins. That showed me they have access to your personal wallets. I cant pay the tax on this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: TX

Complaint narrative:
On XX/XX/2021 I submitted a Validation Request to XXXX, Equifax and XXXX with a copy of my license and proof of address on the following accounts listed below that are showing on my credit reports. I submitted the request because I am not aware of where the original debts came from and if they are mine. Some of the accounts reporting don't have complete account information as well. Then after not receiving a response 30 days later I re-submitted the letter dated XX/XX/2021. Now 60 days later I have yet to receive a completed investigation response from all 3 Bureaus. However, from XXXX Particularly I received a response which I have included for your reference stating they believe I hired a third party that is not authorized such as a " credit repair company '' or " credit clinic '' and therefore they will not process my requests, this is Ridiculous!! 
1 ) It's none of their business and or against the law!

2 ) There is NO law that states a consumer can not use a third party, so using that as an excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why their statement is so shameful. 
3 ) It is a Stall tactic. How can they assume that and or prove it and I know my consumer right and I know what the FCRA states and I wrote those letters myself they are just typed not handwritten! 

Accounts in XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXX  XXXX Acct # XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX I would also like to add I have submitted a copy of my driver 's license, but it is not up to date on my new address, and I will be updating that today. I did include a page of my bank statement as proof of address. 

Thank you for your time and investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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:
On XX/XX/2021 I submitted a Validation Request to Experian, XXXX and XXXX with a copy of my license and proof of address on the following accounts listed below that are showing on my credit reports. I submitted the request because I am not aware of where the original debts came from and if they are mine. Some of the accounts reporting don't have complete account information as well. Then after not receiving a response 30 days later I re-submitted the letter dated XX/XX/2021. Now 60 days later I have yet to receive a completed investigation response from all 3 Bureaus. However, from XXXX Particularly I received a response which I have included for your reference stating they believe I hired a third party that is not authorized such as a " credit repair company '' or " credit clinic '' and therefore they will not process my requests, this is Ridiculous!! 
1 ) It's none of their business and or against the law!

2 ) There is NO law that states a consumer can not use a third party, so using that as an excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why their statement is so shameful. 
3 ) It is a Stall tactic. How can they assume that and or prove it and I know my consumer right and I know what the FCRA states and I wrote those letters myself they are just typed not handwritten! 

Accounts in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I would also like to add I have submitted a copy of my driver 's license, but it is not up to date on my new address, and I will be updating that today. I did include a page of my bank statement as proof of address. 

Thank you for your time and investigation.

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 2022-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Last XXXX I received a wire transfer of XXXX that was transferred to XXXX XXXX for XXXX reasons. XX/XX/XXXX Bank of America closed my accout and XXXX XXXX returned the money back to Bank Of America and a year later they still won't return the XXXX and have made several different claims on why which has proven to be fakse. Bank of America refuses to give me my XXXX and XXXX from last XXXX. Bank of America claims XXXX XXXX that XXXX XXXX never returned the money tothem, whichis false on XX/XX/XXXX I received a XXXX check sent by UPS proven by the documents attached to this form. Further XXXX XXXX returned the money to them on XX/XX/XXXX which shows that Bank of America statement is false again Bank of America is going to answer back that the funds were available at a financial center even though I received a letter fromthem statingthat the funds would not be returned to me. They also claimthat XX/XX/XXXX I went to XXXX XXXX XXXX and purchased a cashiers check in the amount of XXXX, why would I purchase a cashiers check for XXXX and not for the whole amount and how can I purchase a cashiers check in XXXX but received one in XXXX thru UPS, even the proposed form was blacked out in key parts and the check says purchased by Bank Of America plus I have never stepped one foot in XXXX because it's over 200Milesfrom my home andthereare much closer Financial centers near me. It proves that they have stated false and Fabricated information for their own mistakes. During this whole process, I have yet been able to get a hold of anybody in Bank of America to discuss these things bytelephoneor email. My calls are forwarded to a voice mailbox and never returned .They have avoided all forms ofcommunication except when a complaint is filed, then they send a letter stating false information and have changed there story several times to accommodate them.

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 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently saw a copy of my credit file and was shocked to see the mortgage reporting inaccurately. I was NOT late XXXX or XXXX with XXXX XXXX. 

I also thought due to the cares act if you needed help XXXX it wasn't to show late payments. Why isn't this being followed? My report shows late XX/XX/21, XX/XX/21, XX/XX/21 and I was NEVER late XX/XX/21 and XX/XX/21 Please help get this corrected. I disputed and nothing has happened

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