vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-25 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: FL

Complaint narrative:
This loan with XXXX XXXX belongs to XXXX XXXX. XXXX XXXX did not sign the promissory Note or mortgage. Please remove from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: FL

Complaint narrative:
This loan with XXXX XXXX  belongs to XXXX XXXX. XXXX XXXX did not sign the promissory Note or mortgage. Please remove from my 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 non-monetary relief
Consumer complaint received 2021-05-25 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: PA

Complaint narrative:
I have no a knowledge of this account according to the FCRA This item must be removed

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 2021-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc.
State: VA

Complaint narrative:
American First Finance Received a good bye letter on XX/XX/XXXX after falling behind over 112 days on payments due to Covid. We are reaching out to you because youve fallen way behind on your payments and were running out of time to be able to keep your account in-house. 

XX/XX/XXXX received-Current Balance : {$950.00} Amount Past Due : {$580.00} Days Past Due : 112 Paid- {$330.00} same day due to agency representative telling me I owed {$670.00} for pay off amount so I paid half and was to schedule the last payment on XX/XX/XXXX. 

Representative told me I could not get my payoff receipt balance because he could not see it on the screen. Phone hung up after he attempted to read a script. 

Called back to confirm payment and was told it went through and I received an email confirmation showing a different balance as well as a different balance after I made a payment. No one could explain why and my payoff amount continues to increase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
According to the FCRA congress accuracy is a measurement of value so if the information is inaccurate, it is in fact invaluable. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 

Inaccurate, Unfair, And incomplete information CREDITACPT XXXX  : XXXX # XXXX XXXX : XXXX # XXXX XXXX : XXXX # XXXX Please Remore from Credit Reprot

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: NJ

Complaint narrative:
the company is with XXXX XXXX XXXX XXXX who are reporting multiple late payments when I actually was making extra payments and or higher payments towards my loan by choice to pay it down. regular payments were {$320.00} and as shown in my receipts i even payed XXXX XXXX in some months. others were returned because they would hit my account a long time from when i submitted the payments, however I then made the payments from a different account as soon as i was notified by my bank that it was returned. even still there is no way it was 30 to 90 days late from when i payed from another account unless their own processing ( which is long already ) took that long so i could notice. I'm pretty sure this is false reporting and very bad business. would not do buisnessbwith them again. they also reported a credit card balance in which I was not the primary account holder. they should know that and i think they were trying to see of i would just pay it off. one customer service representative told me it was on my credit for ten years but wouldn't effect my credit. i think this is totally unprofessional terrible business on their part for what seems to be their way of doing business in quickly reporting customers to credit bureaus with incorrect reporting. Also, i have contacted EXPERIAN who has this reported and it's nearly impossible to get them on the phone. they also will not correct the dispute. i find the credit bureau to be very difficult compared to transunion

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 2021-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: SD

Complaint narrative:
XXXX has locked me out from access to my account. They are the custodian to approximately {$250000.00} of cryptocurrency that I have acquired through their exchange. Four weeks ago they locked my account due to security concerns regarding login from an unrecognized IP address. I have submitted a support ticket and complaint as they refuse to respond to my concerns or even reassure me that my assets are safe. Their standard response email states that they need 4-5 business days to respond but I know from other reported experiences that it is very common for Coinbase to ignore their clients. I have linked federal banking institutions to provide XXXX XXXX to fund my purchases. They are holding my assets and money hostage and their INACTION is criminally negligent amd fraudulent. 
My support claim number is # XXXX I beg and plead for your assistance. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Irregularities in the home appraisal reporting. Appraisal report was not shared after multiple requests and after almost a month lender tells that the appraisal was never done. I have the appraiser visit the property and the appraisal was completed on XXXX XXXXXXXX as per the information received from tenant at the property and the appraiser.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
I refinanced the loan with another bank. The bank sent the check to upstart. It came back due to bank error. Turns out Upstart did not endorse the check and they have admitted to that ( I have the email ). It took 10 days to get a new check to them and now they are charging me an additional XXXX of interest and still they claim I owe them XXXX and additional interest accrues. This was their error yet and they admit to it but now they will not respond. I have also reached out to the General Counsel who said someone woould get back to me and no one has and i reached out to the CEO with no response. Unless you all can fix this and make me whole I will do something I do not want to do and take them to small claims court as well as look into a class action as I am sure this is not the first time this has happened Pretty sketch the check for XXXX was not endorsed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Americas Car-Mart, Inc.
State: MO

Complaint narrative:
It was written off. In first place I had ins with them car was totaled and they were paid, then they tried to get me to pay again. I was sent letter it was written off and it's not being taken off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ROBINHOOD MARKETS INC.
State: NM

Complaint narrative:
Starting on XX/XX/2021, A subscription company tried to charge my Robinhood debit card. And the charge was rightfully declined because funds were not available in my account. They company attempted to bill my card 12 times between XX/XX/XXXX, and XX/XX/XXXX and were declined. On XX/XX/2021 this charge was submitted again, and the charge was paid putting my account into overdraft. 

Then on XX/XX/2021, Robinhood liquidated the two shares of XXXX in my account to cover my " margin ''. 

It clearly states on the Robinhood website in the support help center that the Robinhood debit card prevents overdrafts by default. They further explain the few exceptions such as gas stations, restaurants, and hotels, in which the final charge may be more than a preauthorized charge and can send an account into overdraft/margin. A preauthorization charge should not be the case here as the business charging my Robinhood debit card isn't one of the exception type businesses. 

I have been in contact with Robinhood support several times via email and XXXX to try and resolve this. Robinhood refuses or can not explain why the charge was allowed to proceed the final time. I have simply asked them to replace the two shares of XXXX and the {$1.00} I had in the account at the time Robinhood confiscated my assets. They simply refuse to return my assets and won't explain why they allowed the charge go through even after being declined 12 times previously. 

My final hope is that I can get this issue resolved through CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Account should have been closed 4 years ago. The company has refused to resolve the matter. The account was said to be closed back then at the same time I closed XXXX upon finding out about the identity fraud on my account. I recently received an email that I am going to receive a replacement card for # XXXX that was said to be closed back then on or before XX/XX/XXXX. 
This is nonsense to me as I have at exhaustion disputed not only the technical issues ( not having access to the website ) and the fact that the account is connected to a phone number I lost access to years ago XXXX. I have documentation from then with XXXX and XXXX XXXX XXXX about this matter. 
I also put a freeze on my accounts with the FTC after my father passed away in XX/XX/2019 and they were demanding large payments that I paid that never touched the balance. Regardless of trying to communicate with them to have an arrangement ( payment plan ) they have ignored it. I've even spoke with members of the Capital One resolution, fraud and accounts team attempting to resolve this issue. I had updated my phone number everytime I spoke with them and somehow the account still reflects the XXXX number. 
I have also seen that more than one device is connected on the account and capital one ignores my need for resolution. 
Upon receiving an email again about another card being sent out for a closed out, I immediately called again and had the girl transfer me to fraud and I reported it to the man. She had told me the account was open but she put it as closed once again and that I was going to receive a letter in the mail confirming as such. The guy from the fraud department did not act at all sensitive to my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation

Complaint narrative:
Hello, I would like report a shady mortgage company that has apparently acquired the interest to my mortgage debt. PHH Mortgage purchased my loan from XXXX less than 2 months after our most recent refinance. We had never even heard of the company, but suddenly we were having to deal with them. The URL listed on their mail did not resolve and sounded like a scam address. They continue to email and mail me without any unsubscribe method. Their CEO calls me and leaves enthusiastic voicemails about the refinance market. Its obviously a mass call. Surely there must be some recourse : we did not choose to enter into business with this company, now we have to open their spam letters and calls without any unsubscribe method.

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 2021-05-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: NM

Complaint narrative:
I originally tried to get XXXX internet in XXXXThe technician came out to install the service as the internet was needed for at home learning. When the technician originally came out, it was determined that they could not install XXXX in my apartment due to wiring issues. I thought everything was taken care of until I received a bill from as collections agency called MRS BPO , LLC. I then learned that XXXX charged me for one month of service that I never used. I now have a collections on my account for the amount of {$52.00}. XXXX is engaging in deceptive and fraudulent business practices by charging customers for services never rendered.

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 non-monetary relief
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
My sister got a call on XX/XX/XXXX from a a company claiming to be XXXX XXXX XXXX XXXX XXXX  and gave her a file number and told her to relay the message to me and call them at ( XXXX ). I called them back and they told me they were trying to collect on a debt I settled with XXXX XXXX XXXX in XXXX. They told me I had 24 hours to fax them the info to ( XXXX ). And if I had any other questions to call XXXX XXXX at ( XXXX ). I called XXXX the next day and asked if could get the address to their location. He refused to give me the address stating they work from home due to covid. To settle it I faxed them my papers that I had paid it off in XXXX. When I originally spoke to them the first time they had all my information ss number and all

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 2021-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
On XX/XX/2021 we received a letter from Select Portfolio Servicing with a mortgage assistance plan to make double payments for the next 12 months to get back on track.

I can provide the letter which states the following : " Right to Appeal You have the right to appeal any non-approval for which you believe an error has occurred by providing a written explanation of why you believe our determination was incorrect, along with all supporting evidence, within thirty ( 30 ) days of the date of this letter to : Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX You have thirty ( 30 ) calendar days from the date of this notice to contact SPS to discuss the reason for non-approval. No foreclosure sale will be conducted and you will not lose your home during this 30-day period or any longer period required for us to review supplemental material you may provide in response to this notice. If a foreclosure sale has already been scheduled, we will instruct our attorney to file a motion to postpone such sale. It is possible however that a court will deny the motion and the sale will proceed. '' On 4/21/2021 I sent and email to Select Portfolio Servicing requesting an APPEAL. and after speaking with our Relationship Manager on the phone, he gave me the instructions and what to include in my appeal email.

After 4 weeks I received a from an attorney stating our property would be sold on XX/XX/2021 at a public auction. A few days letter I received a letter from SPS stating my application for assistance was 'WITHDRAWN ''. The next letter I received from SPS stated that I was no longer eligible to mortgage assistance? I was perplex and devastated by the response as I was only following the instructions I was given in the letter. If the APPEAL was not an option then why would the suggestion be included in the Mortgage Assistance Letter dated XX/XX/2021? 

I just want a chance to make the payments and get my mortgage back on track. Select Portfolio Servicing stopped taking my payments and returned my payments I made in XXXX and XXXX. SPS has serious communication issues and drastic collection methods. We are a minority family trying to keep our home of 14 years. Our kids are getting ready to start high school and it would hurt their development by having to change schools. 

I am not asking for something that SPS was not willing to offer. They offered us a very difficult method to get back on track but it was the only offer so of course we want to start making the payments. Please help as they have scheduled the foreclosure on XX/XX/2021. 

Sincerely, 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 2021-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NY

Complaint narrative:
I have been trying to get a loan modification with Selene financial for close to 2 years. After offering me only a feed in lieu or short sale they offered me a loan modification and I appreciative. However the terms are unclear to me. It doesn't state the duration of the loan 30 years nor whether the balloon payment contains administrative fees as well as arrears. 
I does not disclose if there is a prepayment penalty.I need truth in lending and feel that I am asked to accept unfair terms through nondisclosure. I am an XXXX American female Citizen who has been the victim of loan modification flipping in the past. The practice continues.

Company response to consumer: Closed with explanation