vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
XX/XX/XXXX of 2019 my last job ended leaving me with zero income. 
I left that job because I was not getting paid on time and sometimes had to wait weeks or a month for my pay which was making me late for my house payments. 

At that time, as you can see by the XX/XX/2019 statement, I was current. 

Unknown to me, in a few days ( approximately 60 ) the entire global economy would shut down making it impossible to find work. 

Here we are nearly 2 years later, and I'm trying to come out of my mortgage forbearance only to be denied for insufficient income and I still can not find software work even though I have sent out nearly 100,000 emails to all of the high tech companies hiring people like myself as shown on this page that I developed. 

https : XXXX Mr. Cooper did not even use my income to make this statement. 

My income is {$1100.00} per month via early social security which is expected to increase by approximately {$75.00} with the cost of living allowance. 

Knowing I was in trouble, I moved into my garage and rented out my house for {$850.00} per month to wonderful tenants who pay on time every time. 

And they pay half of the utilities as well, so my income is about {$2200.00} per month instead of the net income they show me having of {$1100.00}. 

And the car payment of {$600.00} per month is no longer because I let it be repossessed in order to save the house. 

I was denied the first time, so I appealed only to be denied for insufficient income and told that I was ineligible for a forbearance modification because I was delinquent before the forbearance period was approved. 

I have nowhere to turn and I do not want to be another homeless veteran statistic and now I have my renters to consider as well. 

If you know of anybody who can help, please share this with them as Mr. Cooper seems to only want the house to profit from my situation. 

I have written to the VA 's own counselors at the following website but never even received a response. 

https : XXXX I have attached all the documentation I have on this and I desperately need help. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
i suffered financial hardship as a result of the pandemic and the government shutdown and was unable to pay my XXXX XXXX phone bill i had for 5 years as a result my bill got up to {$1300.00} XXXX XXXX sent the unpaid bill to collections which i felt was unfair and my credit is being negatively affected i filed a dispute with XXXX  thru XXXX XXXX and the account was deleted and my credit score went back up then a debt collection agency purchased the account and got i put back on now XXXX will not delete the account i am a victim of covid 19 my credit should not be affected

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo closed my savings and opened a checking then charged me monthly fees. I went to the bank and it was research that this happened in 2017. I never gave authorization for this 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 2021-09-14 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: NY

Complaint narrative:
As a consumer and natural person as define by 15 USC 1692a ( 3 ) my rights and privacy has been violated with numerous accounts on my consumer report that is in connection to identity theft and fraud. I immediately called Equifax and was informed I had to file a FTC report ( FTC # XXXX ) and sent it to Equifax via USPS, certified Mail # XXXX on XX/XX/2021. USPS confirmed my correspondence was received on XX/XX/2021. Equifax still has not removed the fraudulent accounts. They are violating me as a consumer and federal law by removing these account. 15 USC 1681c-2 states Block of information resulting from ID Theft within 4 days. It has now been 5 days and the fraudulent accounts are still on my reporting. My score has dropped over 100 points due to this. Ive satisfied all the requirements pursuant to 15 USC 1681c-2 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Pursuant to 15 U.S. Code 1692k-2 ( a ) im seeking damages in the amount of { {$1000.00} } per account being reported after the 4th day of receipt of my dispute. There are a total of 15 accounts illegally being report after receipt of my complaint, totaling { {$15000.00} }.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/2021, I tried to transfer XXXX ETH and XXXX BTC from CoinbasePro to XXXX. I received an email from Coinbase asking if I wanted to go through with the transfer. I changed my mind and decided to cancel the transactions. Then, when I looked at my balance of ETH and BTC in my CoinbasePro Account, the cancelled transaction showed up as a pending transaction. I did not think anything of it at the time ; however, now it has been over two weeks and my transactions are still stuck in pending and I can not access my funds at all. This is costing me lots of money at this point as the crypto market is volitile and having access to one 's funds in order to sell before a market crash is essential to maintain the value of one 's assets, or gain a profit.

I reached out to CoinbasePro via their website and followed their instructions on how to make a complaint. At this point, I have made many complaints, tried to contact them on social media including XXXX and XXXX, without any success. I even almost got scammed on XXXX by trying to get CoinbasePro to attend to my issue.

I have received automatic responses from CoinbasePro with messages that they have received my complaints and that my issues have been resolved, but this is not true. I have checked my CoinbasePro account as recently as prior to typing this complaint, and my issue has still not been resolved and my funds are still stuck in a pending transaction and I am still unable to access my funds due to this. 

Please help me. I don't know what else to do. All of my funds are tied up with this company and I am panicing. Thank you for your consideration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-14 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 THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
I have asked to be granted the acceptance ( Escrow Waiver Form,, ) every year the bank chooses my homeowner and flood insurance coverage and policy limits. I pay, and should be able to chose which option FEMA sends me, not the bank just raise every year. Flagstad is a bank remote answers, however I should not be charged a additional high fee to pay my own bills, $ XXXX! This fee is exorbitant, unfair and am asking for leniancy so I can pay my obligation.many people have lost all no need to gouge or get all they can force people to pay, please help me achieve a small amount of leniancy to escrow waiver, for {$25.00} not {$350.00}.

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 2021-09-14 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: CA

Complaint narrative:
THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.

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 2021-09-14 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: CA

Complaint narrative:
THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX  Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: Advantage Credit, Inc.
State: KY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It's been well over 30 days and I haven't received any investigation result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: DC

Complaint narrative:
ON XX/XX/2021 I 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 AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The Creditor did not provide me with my original instrument of indebtedness they did not provide me with my original contract and signature.

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 2021-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
Paid a down payment, traded in a used suv. Wasnt offered insurance an the definition an purpose of finance charge. My car was crashed while parked an the drivers insurance refuse to pay for damages

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: CBC Companies, Inc.
State: KY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It's been well over 30 days and I haven't received any investigation result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: KY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It's been well over 30 days and I haven't received any investigation result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
An erroneous electric payment in the amount of {$3600.00} was made in XXXX to my Citi Master Card from my XXXX bank account. I did not authorize this payment and notified the credit card company of the error. I explained that this error had created a dire situation for me by causing my bank account to be overdrawn and incur overdraft fees and that I was also unable to withdraw any cash. On XXXX XXXX, I was assured via a telephone conversation with a Citi representative that the funds would be returned to my bank account on an expedited basis. To date, those funds have not been returned and Citi is unable to advise me of a date on which the funds will be returned. I was advised that it was not possible for me to speak with anyone who had the authority to actually expedite this matter or even advise me as to when the funds would be returned to my account. 
To be clear, Citi was never entitled to this money and has no right to hold my funds for weeks on some pretense of performing some sort of investigation. 
Thank you for your attention. XXXX XXXX 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 monetary relief
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: MO

Complaint narrative:
XXXXm the victim Of the fraud, I would like to remove this collection because im not owner Of this debt, I tryed to contact the company and they refuse to solve my problem, {$1500.00} is amount and debt collector is absolute resolutions- with XXXX XXXX.I teied to dispute it many times

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: SC

Complaint narrative:
ITS DEBT FROM MOUNTAINRUNSOLUTION FOR XXXX, I SOLD ONE POPERTY IN XXXX XX/XX/2011, THE COMPANY I SOLD THEY HAD ACCICEDENT IN THIER PROPERTY, PROPERTY FULLY DAMAGE, THEYGOT MONEY FROM THEIR INSURANCE COMPANY BUT THEY NEVER XXXX WITH XXXX WITH SECURITY SYSTEM COMAPANY, NOW AFTER 10 YEAR THEY SECURTITY COMPAY FIND MY NAME IN RECORD AND TRY TO CHARGE ME THAT AMOUNT, I ALREADY SEND THEM MY BILL OF SALE AGGREEMENT WHIC IS CLEARLY MENTIONED THEY PEOPLE WAS RESPONSIBLE FOR ANY UTILITIES BILL, I SEND THEM ALL PAPER WORK TO THEM BUT THEY STILL PUT ON MY CREDIT, MY SCORE BECOME XXXX FROMXXXX  THIS CHARGES SPOUSE TO PAY BY NEW OWNER BUT THEY TRY TO CHARGE ME SO PLEASE HELP ME

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
This collector or creditor did not provide Hipaa release to be able to collect on this debt. I am proceeding with legal action, should this item not be deleted within the required time by law According to 15 usc Code 1681 b ( a ) ( 2 ) that states you have to give them written permission to furnish anything on your report which I have not This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Reporting to consumer reporting agency negative information for 6 years after account was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
To whom it may concern, On XX/XX/XXXX night time, and in the early hours of the XX/XX/XXXX, my credit card was stolen. I called on XX/XX/XXXX to report to Chase ( as the department is closed on weekends and only open from XXXX to XXXX EST ). I informed them of the fraudulent charges, and requested a new card. The charges were removed from my statement, and I was sent a new card. 

3 weeks later, in the beginning of XXXX, the charges were re-instated. I was surprised so I called back ( again on the next day, as the fraud department is only open until XXXX ), and the agent stated that the charges were determined to be " valid ''. This is not possible as I had already stated that the card was stolen. So, I opened another fraud case. I was told that this may take 10-15 days to resolve. My statement date is prior to the 10 days. I informed them of this, and they asked me to partially pay the payment! That is ridiculous. The charges are for numerous purchases that are typical of stolen cards : multiple XX/XX/11 's, convenience stores, XXXX XXXX, etc. These all took place in the middle of the night. I was staying at a hotel that night, and was already in bed. I can provide proof of my hotel stay if needed. I'm sure the hotel has footage of me returning into the lobby as well. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: FL

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/21 I made two XXXX  XXXX  payments to two DIFFERENT people, two DIFFERENT names, same amount ( {$100.00} ). On XX/XX/21 I noticed one of the transactions was dropped, and {$100.00} added back to the account. I IMMEDIATELY called Bank of America. They insisted XXXX XXXX had done this. Contacted XXXX XXXX they stated they had not. Called B of A EVERDAY. contacted XXXX XXXX EVERYDAY, finally placing a so payment on XX/XX/21. Suddenly BofA PAYS, sending me an email ( same day ) saying it takes 3 days for stop payment. Adding insult to injury. BofA now says ( XX/XX/21 ), " oh yeah, it WAS us that canceled the payment because it LOOKED like a duplicate. Sorry if you were given the incorrect information ''. Did I mention the transactions had two DIFFERENT names??? Why wasn't I contacted, asked, prior to then deciding what was going on with MY monies. Now I'm in arrears. They kept insisting it was a XXXX XXXX problem, when it was a BofA problem. What Is a consumer left 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 2021-09-14 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: GA

Complaint narrative:
Experian Credit Reporting does not investigate according to law. If you file a dispute, a few hours later the dispute is finished and nothing changes on the report. 
The following negative collection is on my credit, but the reporting company XXXX, does not have this account, and Experian will not fix it. 
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
{$2300.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Paid off : 0 % Balance on XX/XX/XXXX Original balance {$2300.00} {$2300.00} Payment Info Original balance {$2300.00} Balance {$2300.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements- Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) 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