vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
PHH Mortgage owned by Ocwen Financial is hindering visibility and my ability to perform online banking. 
I am able to log on to access my online profile, but I am barred from accessing payments and detail account information for the past year. Each time I submit a complaint, I am told they see no issues on their end. Below are Main URL : XXXX : XXXX After logon URL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXManageAccountSSO Button URL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Page Response : Sorry, something happened. 
Please try again at a later time. 

ID : XXXX ErrorCode : XXXX Fri XX/XX/XXXX XXXX XXXX ( Eastern Daylight Time )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Hello. Last Month my wife and i were worried about COVID 19 problems we call to SANTANDER CONSUMER USA about any help they can give us but they told the interes woul be ad to the extention and i no. she told me as a preventive mode do it if you don't need the help don't use it and the XX/XX/XXXX we singned the extention. today we did the payment wich belong to XXXX and they say that XXXX payment we said not it is XXXX and they say the extention can no be cancelled because we singned a document. we not not, you never told us that. we want to cancel and they said it os imposible. we are filling scamed .they are taking oportunity of the problem with COVID 19. We will no need any help and we want to do the regular payments.we singne the extention thinking it was preventive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian has refused to remove from our credit report, false credit reporting coming from a debt buyer called XXXX XXXX. It has been repeatedly proven that this debt buyer is committing fraud and breaking Nevada Law with unlawful tactics, identity theft, violations of the Fair Credit reporting Act and has no merit in its unlawful actions. Experian appears to be colluding with XXXX XXXX XXXX in some type of pay for play scheme that needs investigation. Their client, XXXX XXXX XXXX never signed any contract with us, and their terrorism amounts to discrimination against poor minorities, especially during COVID-19.

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 2020-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
2nd time today, 5th time in three weeks to get a payoff quote. Deadlines agreed upon and not met.

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 2020-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/2020 I was locked out of my Coinbase account. I tried to get in and I was not allowed in so I decided to change my password in which I did. Everytime I tried to log in Coinbase would send me a validation code I needed to enter my account via text message. Every time I used the code they sent me, it would say invalid code. This was done over 10 times and I would always recieve a message saying invalid code. These are the access code sent to me by Coinbase themselves. I tried calling them and Coinbase does not allow you to speak to anyone by phone, only through email. This is so unprofessional, seeing that they have billions of dollars from customers on their platform. Having this much money belonging to clients and not being able to speak to someone physically is completely wrong. I sent them several email and many went without a response and the 2 they replyed to told me my file was closed and that they could not assist me any further. I kept sending emails telling them email stating I needed access to my account and it was completely ignored. At this point i am in a state of panic, because I recieve a message telling me that my XXXX litecoins and my XXXX xrp coins were converted to Bitcoins. I authorized no such transaction. I gained access to my account on the XX/XX/XXXX only to see that I had no more xrp and litecoins in my account, it was all converted to bitcoin. There was also a sale of XXXX of bitcoin from my account. All these transaction were unauthorized and unknown to me. I have been emailing Coinbase that I need an explanation as to what is going on and they refuse to reply. This is so lowdown and dirty by Coinbase. They are very crooked and unprofessional. I need answers or I will take legal action. Coinbase needs to compensate me for all the troubles and return any fees taken from these unauthorized tranactions. I was trying to purchase coins at a lower price and now the coins went back up, so if I were to convert them back I will lose on the amount of coins I initally had. Fraud!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
To date have not received a copy of the settlement agreement. {$4500.00} settlement with monthly payments of XXXX a month until paid in full. I have spoken to several representatives who advised it would be mailed to the mailing address on file. As of XX/XX/XXXX I have not received anything in writing. I have as emailed with no results. I've been making payments since XX/XX/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 2020-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
I received an email from XXXX ( my credit monitoring services ) on XX/XX/2020 about a new account that was added to my ; XXXX & XXXX XXXX reports from " Diversified Adjust Services '', which I was told by XXXX from ( Diversified ) on XX/XX/20, that they are a third party collection company for " XXXX ''. This is a fraudulent account on my credit report. I am a victim of identity theft, I did not authorize anyone to use my name or personal information to seek ; money, credit, loans, goods or services from " Diversified '' or " XXXX '' and I am requesting that this account be REMOVED from my credit report. Your failure to REMOVE this account has hurt my ability to obtain credit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/2020, my external account for fund transfers named " XXXX XXXX '' was suspended. I called an agent at ( XXXX ) XXXX. After waiting for 30 minutes, the agent sent me a verification code via SMS to unblock the account. 

On XX/XX/2020, both of my external accounts names " XXXX XXXX   '' and " XXXX XXXX   joint '' are suspended again. I am again on hold for 30 minutes but no resolution in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: CA

Complaint narrative:
A credit card debt with XXXX I was making payments on till XX/XX/2019 and could not make any more due to slow work and co-signer, my mother, hasn't been well and not working anymore for long time now. I was offered by XXXX a {$4000.00} payoff last year but could not come up with it in time as i was given short deadline. Now to come up with over {$11000.00} with interest is too overwhelming. 

I am a XXXX XXXX XXXX and not been able to work much end of last year and. 
Due to the corona virus pandemic concern, all my students stop taking lessons from the last week of XX/XX/XXXX.  Soon after, most all business closed and they are not spending money and I do not therefore get paid in order to pay any debt. I could not even go to the studio where I teach and could get new students but its been closed too. 

You can verify that i have not been to the studio to work since XX/XX/XXXX by calling, assuming anyone even answers : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I am by myself living with a roommate and together running out of money to even pay the basic utility minimums. Were trying to get help from my landlord to not pay rent for a while and local help for food donations etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: CA

Complaint narrative:
A credit card debt with XXXX I was making payments on till XX/XX/2019 and could not make any more due to slow work and co-signer, my mother, hasn't been well and not working anymore for long time now. I was offered by XXXX a {$4000.00} payoff last year but could not come up with it in time as i was given short deadline. Now to come up with over {$11000.00} with interest is too overwhelming. 

I am a XXXX XXXX XXXX and not been able to work much end of last year and. 
Due to the corona virus pandemic concern, all my XXXX  stop taking lessons from the last week of XX/XX/XXXX. Soon after, most all business closed and they are not spending money and I do not therefore get paid in order to pay any debt. I could not even go to the studio where I XXXX and could get new XXXX  but its been closed too. 

You can verify that i have not been to the studio to work since XX/XX/XXXX by calling, assuming anyone even answers : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I am by myself living with a roommate and together running out of money to even pay the basic utility minimums. Were trying to get help from my landlord to not pay rent for a while and local help for food donations etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XX/XX/2020, i made a payment of {$4700.00} to the credit card with XXXX   balance, resulting in a credit balance on the card. 

I requested this balance refunded to me. Chase agent told me they submitted a request, but the payment was never sent out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-11 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: CA

Complaint narrative:
It supposed to delete all negative credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: GA

Complaint narrative:
The XXXX XXXX XXXX student loans showing on my credit report should not be there please correct the information and remove the account from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: GA

Complaint narrative:
The XXXX XXXX XXXX student loans showing on my credit report should not be there please correct the information and remove the account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: GA

Complaint narrative:
The XXXX XXXX XXXX student loans showing on my credit report should not be there please correct the information and remove the account from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was issued a check for {$7500.00} from XXXX XXXX XXXX on XX/XX/2019 and the signatory was XXXX XXXX. 

The check of the Bank " branch banking and trust company '' and I was supposed to get the cash from the Account number " XXXX '', but I tried to get it cashed two times and both the times the check bounced. 

It was issued to me by XXXX XXXX who lives at " XXXX XXXX XXXX   XXXX VA XXXX '' This Bank 's customer service is not helping me out, and during this epidemic of Coronavirus I need this money on an urgent basis. I am attaching the copy of the check with this complain. I need justice and the money 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 explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
The bank locked me out of my account one week ago. It said security alert. Why? I did not forget the password I have Face recognition on my XXXX. My online account tells me to chat online but you can not without having to log in which the bank will not allow me to do. It gives a number to call XXXX. I have called that number daily for one week. No one answers the phone. They put you on hold and leave you waiting for hours and do not answer. Today I have been holding for over 2 hours. I received a notice stating that the account had an overdraw one week ago. I do not know if it is my transaction or not. I cant log on to find out. I have take screen shots of the wait times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-11 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: DISCOVER BANK
State: MA

Complaint narrative:
FILE A COMPLAINT REGARDING FAILURE TO MOV

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
FILE A COMPLAINT REGARDING FAILURE TO MOV

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
I received an invoice from a collection agency, Arbor Professional Solutions,  dated XX/XX/XXXX ( See Attachment ). 

On XX/XX/XXXX, I wrote a letter disputing the debt to Arbor Professional Solutions and requested the original medical invoice for the alleged debt. ( See Attachment ) Arbor Professional Solutions submitted an invoice for the alleged debt per my written request. Their letter that accompanied the invoice was dated XX/XX/XXXX but I did not receive this letter until XX/XX/XXXX. ( See Attachment ) On XX/XX/XXXX, I contacted XXXX, a business that has all of my medical loans and inquired as to whether it had included this invoice in a previous loan. They said it had not. 

On XX/XX/XXXX, I contacted the original medical service provider, XXXX XXXX, XXXX XXXX XXXX, XXXX, Michigan, XXXX-XXXX, ( XXXX ) XXXX, and spoke to XXXX, a billing staff member at said facility. After a review of the account history, I was informed that I had paid a separate company, XXXX, for my service invoice on XX/XX/XXXX. XXXX then informed me that she would call Arbor Professional Solutions that same day, XX/XX/XXXX, to correct the error. 

After a review of my prior paid medical bills, I did pay the invoice at issue to XXXX on XX/XX/XXXX. I am requesting proof of said payment from XXXX XXXX XXXX XXXX which is the card to which this payment was made. Unfortunately, XXXX online credit card statements only go back to XXXX. 

On XX/XX/XXXX, Arbor Professional Solutions reported the alleged debt amount of {$510.00} that was already paid to another company, XXXX, to XXXX XXXX XXXX while the debt remain disputed and without further investigation regarding this disputed debt ; this action by Arbor Professional Solutions was done in the middle of the COVID-19 quarantine in Michigan. Their action immediately caused my credit score to drop 35 points and I have evidence for this reason for the drop in my credit score. I have already been financially harmed from the COVID-19 quarantine and I now worry about losing credit availability to pay bills until my law practice is again fully functional. This was caused by Arbor Professional Solutions ' unlawful collection action. 

Arbor Professional Solutions violated the Fair Credit Reporting Act for reporting a disputed debt to a credit reporting agency and failing to report that the alleged debt was disputed when doing so, and for failure to investigate my written dispute before reporting the alleged medical debt to a credit reporting agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
FILE A COMPLAINT REGARDING FAILURE TO MOV

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 2020-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, The following inquiries known as XXXX is reported on my XXXX  and TransUnion credit report and they are not mine. I contact both the company and credit bureaus to remove this and they have yet to comply. This inquiry has the date of XX/XX/2019.

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 2020-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, The following inquiries known as XXXX is reported on my Equifax and XXXX  credit report and they are not mine. I contact both the company and credit bureaus to remove this and they have yet to comply. This inquiry has the date of XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: NY

Complaint narrative:
Hello, The following inquiries known as Credco is reported on my XXXX  and XXXX  credit report and they are not mine. I contact both the company and credit bureaus to remove this and they have yet to comply. This inquiry has the date of XX/XX/2019.

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