vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-15 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: Opportunity Financial, LLC
State: IL

Complaint narrative:
Opportunity Financial , LLC has failed to accurately report my account for several years and it continues to cause me financial damages. XXXX XXXX agreed to report the account " Paid in full '' and did not honor that. The account is reflecting negatively on my report and showing a comment " SETTLED-LESS THAN FULL BLNC ; CLOSED '' Please see the actual snippet from the email below : On Fri, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX wrote : Hello XXXX XXXX, I'm glad you were able to make payment arrangements to pay off your loan in full. If all payments are booked as agreed on ; there is no further action required on your part. Our credit team will automatically report loan paid in full to credit bureau after your final payment. Should you default on any payment as agreed, we are required by law to report all delinquencies. I hope this clears your concern. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I invested in Stellar Lumen ( SL ) using the Coinbase app on XX/XX/XXXX. Just as SL started to take off they locked my account for no reason in XX/XX/XXXX. I have filed multiple complaints and multiple cases but they reply they will get resolve it in 10 days or that I asked them to lock the account ( I did not ). It has been months and today my account should be worth {$22000.00} which I can not access or remove from their platform. It hasn't just been me, XXXX has a multitude of complaints with the same story. I just want to transfer to a trustworthy platform and get away from Coinbase. There is no phone number to call. The only number they have is XXXX ( XXXX ) XXXX which is ONLY for their card customers. If you aren't in their system with a card, you are disconnected. There is no email address other than XXXX which constantly puts you off or tells you the case is closed. I complained to the Securities and Exchange Commission and they directed me to you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Identity theft. Outstanding balance of {$4900.00} reporting on my credit report. Unverified account. Please remove immediately.

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 2021-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
BBVA bought out Simple bank. The bank in which I had a checking account. However I have been locked out of my account since Saturday, XX/XX/XXXX. The bank is unresponsive and I can't get through to anyone when I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NC

Complaint narrative:
I fell behind on my mortgage because of this covid global pandemic in XXXX of XXXX. I have applied for assistance twice and am not getting the proper answers to my questions from my mortgage company. The reasons per Fay as to why I don't qualify are as follows : 1. REPAY PLAN - INCOME IS INSUFFICIENT 2. DEFERMENT - INVESTOR DOES NOT PARTICIPATE IN THE PROGRAM ( XXXX XXXX ) 3. MODIFICATION - BASED ON INCOME, INCOME IS NOT SUFFICIENT, DEFICIT Problem # 1 - XXXX XXXX 's website clearly states that they offer deferments after a forbearance for their borrowers. Why am I not a candidate if XXXX XXXX has hired Fay to service my loan and XXXX XXXX is offering it to loans that they service? This question could not be answered by Fay Problem # 2 - I have a surplus income after my mortgage and bills are paid, THANK XXXX, not a deficit. My three month average for self employment income from XXXX was gross {$3500.00} and net was {$3000.00} but today I was told that the underwriter 's final net income was calculated at {$2200.00}, that is a difference of {$760.00}. When I asked why 25 % of my take home income was deducted by their office, the answer was " I don't know that's what the letter shows '', when I asked who I can speak with to get clarity as to why that much is taken out of my pay, the answer was " No one, we treat every homeowner the same ''. That is the strangest response and for me being a XXXX and minority in this county, I now am positive that I am being discriminated against. Really, you take off 25 % of everyones self employment income which then causes them not to be qualified for help? XXXX XXXX self employment tax is only 15.3 % so where is the 9.7 % difference that Fay 's underwriter is taking from my pay, coming from?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: CA

Complaint narrative:
We had unauthorized charges including late fees on a credit card. We disputed it XX/XX/XXXX, the creditor closed the card, sent a new one, reversed all of the charges on XX/XX/XXXX and sent a letter stating it was approved. The statement cycle closed on XX/XX/21 which shows the fraud charges reversed as well as the late charges. We also disputed it with TransUnion since this shows our ONLY late payment on our reports. 

We are in escrow to close the end of this month on a property. This has caused a 93 point drop in my husband 's credit score and a 33 point drop in mine. This is causing us to now have been put into a higher interest rate. TransUnion is unable to do anything to correct it. They are not showing the updated information that the creditor sent to them on XX/XX/2021. 

I am requesting a change to credit fraud reporting on all bureaus, that while they investigate, they remove those derogatory items until the investigation is complete. Not leave them on until afterward. These reports are also very unreliable. Each source shows them as reporting a different score. ie. 3-scores under TU, or XXXX or XXXX. The numbers do not match.

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 2021-05-15 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: Applied Data Finance, LLC
State: NC

Complaint narrative:
Identity theft. Outstanding balance of {$4900.00} reporting on my credit report. Unverified account. Please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: NC

Complaint narrative:
XX/XX/2021, sent a wire for {$30000.00} USD XX/XX/XXXX - Contacted support, said they'd look into it XX/XX/XXXX - Contacted support, said they'd look into it XX/XX/XXXX - Contacted support, said they'd look into it XX/XX/XXXX - Contacted support, said they'd look into it Getting no response about my wire, feels like a scam. I demand my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: AR

Complaint narrative:
On XX/XX/2021, while residing at the XXXX apartments, were constructively evicted as Retaliation for filing written complaints with their Management Company, " XXXX XXXX ''. We were evicted from Our HUD subsidized Apartment without any written notice or good cause, as pursuant to HUD Policy. In XXXX XXXX, a collection company, " Hunter & Warfield '' XXXX XXXX XXXX  XXXX, XXXX FL XXXX has called, and mailed demands for {$360.00}. 
When in fact NO monies were owed, in addition XXXX XXXX Apartment and its Management Company has tried to extort {$680.00}. none of this so called money owed has been shared with HUD by the perpetrators. as a result, We were forced out of Our Housing during the Covid-19 Pandemic. it should be Noted We are XXXX Seniors, and denied the return of Our {$400.00}. deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: IL

Complaint narrative:
I sent stellar to Binance.us 3 months ago. I forgot the memo and was told no problem, 5 days and you'll have it. That was 3 months ago ... I even filed a cfpb and they told you theyw ere in contact with me so you closed it ... They were in contact with me to tell me that my funds would be processed asap, then even told last week, and at the latest, earlier this week, it is now friday and haven't received an email from the last response I sent to them for a week now. I have every email in which they told me it was coming, and even being processed, which in crypto world takes literally an hour tops. This site is scamming us, or has no liquidity to give us our money and we need your help. Do not close this case until my funds are in my account via my indication alone to you. 
# XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: NC

Complaint narrative:
I submitted a certified letter to the credit bureaus regarding the incorrect information. XXXX and XXXX  corrected the issue ( one removing ) however TransUnion has not updated my credit report or fixed the error. The letter I sent was in XX/XX/2021. If you look at my attached credit report XXXX shows the correct info, that I have not had any late payments with my mortgage. I am not sure how TransUnion can be reporting opposite information. Please Help!!

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 2021-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a certified letter to Equifax in XX/XX/2021 asking for the original creditor so I can reach out to the company reporting the collection. I have heard no response and it has been over 60 days. I want this account removed since I can not validate the debty.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have repeatedly asked for verification and Experian, XXXX, and XXXX not show how it was verified or any proof of verification. This constantly incorrect information is destroying my life and preventing me from getting a mortgage to save my house from being taken from the bank. I need help. All the negative information being reported is related to fraud and Experian, XXXX, and XXXX just keep updating even though I have shown them the fraud.

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 2021-05-15 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: NC

Complaint narrative:
I sent a Certified letter to both Transunion and XXXX  asking them to validate the debt from XXXX back in XX/XX/2021. The account was not validated and the information that is reporting is still not correct. The account is paid. Both agencies are reporting different information, neither is correct.

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 2021-05-15 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: GA

Complaint narrative:
I am filing this complaint because I was a victim of identity fraud at the age of XXXX. I am now dealing with hardship over these incidents. I have filed proper documentation and provided this information on XX/XX/2021 to XXXX, Transunion, & XXXXXXXX. I received a response from all bureaus refusing to remove this fraudelt information even after providing them proof. This is truly upsetting that I have to suffer the cost of someone stealing my identity.

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 2021-05-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent a Certified letter to both XXXX  and Experian asking them to validate the debt from XXXX back in XX/XX/2021. The account was not validated and the information that is reporting is still not correct. The account is paid. Both agencies are reporting different information, neither is correct.

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 2021-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation
State: NV

Complaint narrative:
This is reference to SWBC Loan # : XXXX. 
Property address : XXXX XXXX XXXX XXXX CO XXXX Please note that I had recently sold my home XX/XX/21 and need to address this retrospectively since I was unable to resolve this after numerous attempts to contact both XXXX and the USDA who handled the payback of the forbearance prior to my house closing. 

This is in regards to the payback of a 6 month forbearance that I had with the swbc. 
When it came time for the proceeds of my home sale to pay off my mortgage balance and forbearance there was a discrepancy in the amount that they had me pay back versus the actual amount of the forbearance. 
The forbearance period was for 6 months with no penalties or interest as per the documentation I was provided. 
However, the mortgage payments were XXXX per month for 6 months. This would make the amount owed XXXX not the XXXX I was ordered to pay the to U.S. Department of Housing and Urban Developement. 
My calculations show that there is a discrepancy of approximately one month of mortgage payment that I am owed as a refund for overpayment due to them not giving me the opportunity to resolve this beforehand. 

I had after spending numerous hours finally reached the USDA and spoke to someone on an escalated call in a desperate attempt at resolving this and they informed me that I had to consult with SWBC mortgage in regards to this issue. I then if course attempted to no avail contacting swbc and have also spent numerous hours both being on hold and then being transferred to incorrect customer service agents on their primary customer service number. This is in addition to of course calling the assigned forbearance executive resolution number at XXXX. On this is number they do not answer and ask the consumer to leave a message assuring they would get back to you within 48 hours. Ive been leaving multiple messages over the course of the past 2 weeks week and have yet to receive a response which is what has prompted me to finally make this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Calls from Portfolio Recovery service multiple times a day for several days. I do not have any outstanding debt so there is no reason for anyone to contact me regarding debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Santander is not following through with their Multi-State settlement terms. I fall under the criteria to get the loan forgiven, get it cleared off my credit, and the title to my car. Received a postcard from the law firm handling this back in XX/XX/2020 and no word from Santander for anything. I have called their phone number and all agents have no knowledge of the settlement and will not forward me to anyone higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have repeatedly asked for verification and XXXX, Equifax, and XXXX  not show how it was verified or any proof of verification. This constantly incorrect information is destroying my life and preventing me from getting a mortgage to save my house from being taken from the bank. I need help. All the negative information being reported is related to fraud and XXXX, Equifax, and XXXX  just keep updating even though I have shown them the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Toyota Financial falsely says I owe money and it is fraud. Toyota has never shown me proof I owe the money even after asking for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My name is XXXX XXXX I use a paypal app for extra benefits to help me out and I don't want to be sue or garnished for payments transfered to my PayPal account my name is XXXX XXXX Social security # XXXX D.o.b XXXX XXXX email : XXXX I play on a app called XXXX  XXXX XXXX  its from watching ads and clicking to win paypal gift cards and prizes its not illegal but can you keep a debt collector from trying to get into my account to have me judge for making the money from the time spent on me using the app please and that you my contact number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because I was a victim of identity fraud at the age of XXXX. I am now dealing with hardship over these incidents. I have filed proper documentation and provided this information on XX/XX/2021 to XXXX, XXXX, & Equifax. I received a response from all bureaus refusing to remove this fraudelt information even after providing them proof. This is truly upsetting that I have to suffer the cost of someone stealing my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: UT

Complaint narrative:
BBVA transferred all Simple customers over to BBVA accounts on XX/XX/XXXX. It's now XX/XX/XXXX and I am still unable to access my account. I've been locked out for a week. I've tried calling the customer service line and simply get put on hold for hours and then get hung up on. They offer no other options for resolution. I now have no way to access my bank account to see my balances or use my funds in any way other than by swiping my debit card. 

It's pretty shocking that BBVA has been able to get away with such a terrible handling of a major transition. That's a lot of people 's money that they're messing with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC
State: OK

Complaint narrative:
The company is difficult to contact. Attempts to login to the provider website were futile. Further my name was misspelled on the letter that arrived.

Company response to consumer: Closed with explanation