vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-05 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: CA

Complaint narrative:
I sent a letter to all three credit companies on XXXX and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
The mortgage servicer, Rocket Mortgage, is blocking a payoff. On their website it shows a balance due that includes the " second lien '' partial claim, and this is also shown on their statements. 
They refuse to show this on a payoff which leads me to believe that they do not want the customer to be able to pay them off. This also is an issue as it is a FDCPA and possibly a Reg X violation in terms of servicing the mortgage properly. 
In this case, the website shows a balance that includes the partial claim ( owned by HUD and serviced by XXXX ). The statements show the same. The payoff does not. This leads to consumer lack of clarity on process and is not a correct display of information. Rocket Mortgage shouldn't show the balance of the second in the total XXXX on their website and in their statements, but then choose not to do so on payoffs ( citing that the second is serviced by XXXX and owned by HUD ). This seems like a scheme to continue to collect money while payoffs are delayed. 
Lastly, I see no notice in the workout package signed with Quicken attached that XXXX would be servicing the second. This, indeed, is a workout package coordinated by Quicken and implies that Quicken ( now Rocket Mortgage ) will continue to be involved in the second 's balance due. I received no notification from anyone related to servicing of the second until XXXX provided a service transfer letter last week ( 4 weeks delayed into the payoff request process ). My selling and purchasing transactions are now in jeopardy as the payoff from XXXX has not yet been supplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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 have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
I was reaching out about a recent phishing attack through my email that caused a cybercriminal to withdraw around XXXX XXXX dollars from my coinbase account in which coinbase has since done nothing about. I understand there has been a series of cyberattacks against coinbase users and wanted to report my incident as well. There was an email sent that imitated coinbase and asked me to verify my account. Within minutes, my XXXX dollars was deducted. This incident occurred on Fri, XX/XX/XXXX at XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-05 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: CA

Complaint narrative:
Hello I sent in a letter asking Equifax to verify 2 accounts that were on my credit report that I do not recall ever being mine! They never opened up an investigation all they did was add remarks to the XXXX  XXXX account but never emailed nor sent me a letter regarding my dispute. The remarks dropped my score by 57 points. I am under the impression that I never received a fair investigation. 

Please see all my supporting docs thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: Ocwen Financial Corporation
State: MA

Complaint narrative:
I sold my home. Closed XX/XX/XXXX. PHH mortgage services still has not updated my credit correctly paid in full. They are harming my credit Im trying to buy a new home They also took over 18 days to send a payoff missing first deadline costing me more money in housing legal expenses. They lost documents refused a manager a direct number scanned documents wrong lied to my attorney then received payoff and held it for five days I want my credit fixed immediately Im in underwriting they are horrible to the point of complete utter insanity I want to update address for any refunds and I want to see recorded discharge immediately this is urgent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC
State: NC

Complaint narrative:
The mortgage servicer, XXXX XXXX, is blocking a payoff. On their website it shows a balance due that includes the " second lien '' partial claim, and this is also shown on their statements. 
They refuse to show this on a payoff which leads me to believe that they do not want the customer to be able to pay them off. This also is an issue as it is a FDCPA and possibly a Reg X violation in terms of servicing the mortgage properly. 
In this case, the website shows a balance that includes the partial claim ( owned by HUD and serviced by Novad ). The statements show the same. The payoff does not. This leads to consumer lack of clarity on process and is not a correct display of information. XXXX XXXX shouldn't show the balance of the second in the total XXXX on their website and in their statements, but then choose not to do so on payoffs ( citing that the second is serviced by Novad and owned by HUD ). This seems like a scheme to continue to collect money while payoffs are delayed. 
Lastly, I see no notice in the workout package signed with XXXX attached that Novad would be servicing the second. This, indeed, is a workout package coordinated by XXXX and implies that XXXX ( now XXXX XXXX ) will continue to be involved in the second 's balance due. I received no notification from anyone related to servicing of the second until Novad provided a service transfer letter last week ( 4 weeks delayed into the payoff request process ). My selling and purchasing transactions are now in jeopardy as the payoff from Novad has not yet been supplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Carvana Group, LLC
State: VA

Complaint narrative:
On XX/XX/2021 my Consumer Rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint on my own behalf. There is no third party involved Capitol one is stating that I am late on a credit card I NEVER activated or used. As the consumer and the original creditor I have been treated unfair and my credit report has been damaged in the process. The Fair Credit Reporting Act statue code 15 USC 1681 ( 2 ) ( b ) states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card shall be EXCLUDED from a consumer credit report and capitol one is in violation of this subsection of the FCRA. I DO NOT consent to to them furnishing this information o my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied to the Citi bank small business credit card ( CitiBusiness / XXXX XXXX XXXX Mastercard Credit Card ) sometime in XXXX and they were requesting a form 4506-C for the request of my tax return transcript. I sent via mail and they got back to me that the form has been incorrectly filled out and instructed me to send in via email to XXXX XXXX so I did send in that document on XXXX and called to get a confirmation that they received the document. I called 2~3 times just to make sure if they received the document and they confirmed. I called again last week to have an update on my credit card application and they told me that they received my tax return transcript from IRS and are processing it. I just called today and the representative stated that the application is canceled because I did not take any action for more than 30 days. 

I did send in the documents via email on XXXX and it clearly has not been more than 30 days. I would understand if the application is denied for a proper reason but I do not accept this credit card application cancellation. 

Application ID : 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 non-monetary relief
Consumer complaint received 2021-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Subject : excessive interest charges against Care Credit Card without notifictaion of the amount of the charge and overlimit the account without deducting the new balance from avilable credit in amount of {$190.00} leaving the available credit XXXX, The payment were paid on time. 
Thank you for reviewing my complaint and I appreciate your time and efforts. I put a charge on my care credit card for a XXXX  for a family member in the amount of {$1000.00} in early of XXXX as the insurance would not approve the XXXX Care credit were charging me a monthly payment of {$37.00} and later {$29.00} every month. The balance of last statement of XX/XX/XXXX was & XXXX and available credit was {$160.00} and after I made the payment of {$29.00} I have available credit {$190.00}. In XXXX I made the monthly payement and then I got the monthly statement with the amount of {$1100.00} and I was shocked because even when I paind the monthly payment I credited XXXX with an interest charge {$350.00} and I realized that the new balance is the sum of old balance XXXX and {$350.00} but I expect that they would deduct the new balance from my availble credit {$190.00} which make my balnce below the limit ( XXXX ) and I would have enough credit. I contacted care credit about the issue but they were ignoring my question about my available credit ( {$190.00} ) and how it is not included in the statement. The manger were blunt that no changes will be considered toward my credits that I earned over 22 months. I need to resolve the issue with care credit because it is not fair practice to take care credit away especially for those who really need it without informing the customer about these charges upfront so I can be prepared for the issue.Thank you.

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 2021-10-05 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Transaction date is XX/XX/21 for the amount of {$1200.00} dollars and merchant is XX/XX/XXXX 
The reason for this dispute is because i purchased an XXXX  XXXX XXXX XXXX and was received a XXXX  XXXX. I have tried to contact the merchant but they have a fake phone number online and numerus scam reports online. They do not reply to email as well as they only have robot replying. 
This has been the most ridiculous dispute I have ever had in my life. The first dispute was submitted back in XX/XX/21 and it was denied due to " merchant has proof that i have made the purchase '' I called back apple and told them I have NEVER ever said that it was a fraudulent purchase. They reopened the case and it was denied under the same reason, so is the third time, finally the fourth time they changed a reason. They denied the case again due to " merchant has provided a credit '' I called XXXX  again and the agent apologized to me and told me she just checked and no credit was provided by the merchant. She re-opened the case again. But i doubt this time it will be resolve so i have to complain here. 
It feels like whoever is working on the dispute just check whatever reason they want. They didnt investigate thoroughly. Even the agent i talked to that help me open the dispute told me she is sorry and she has heard so many people got scammed by XXXX. But I am not resolving at my end and losing so much money getting scam because Goldem Sachs bank for XXXX  can not protect me and they made decisions randomly. 
I have a good credit, barely report for dispute and yet this is first time happening to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: Bepensa Capital, Inc.
State: IN

Complaint narrative:
I, XXXX XXXX, am submitting this complaint on my own behalf and there is no third-party involved. 

Credito Real USA formerly known as AFS is reporting late payments on a customer credit transaction on my credit report which are false. in fact, Credito Real USA is in direct violation of federal law 15 USC 1666b. It states that " a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. '' This Account has been under an open end credit plan since XXXX Credito Real Has Been Using false and Deceptive tactics to collect money from until I was aware of my federal rights. now They will no longer receive money from me and they are now damaging my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
To whom it may concern, I sent in my disputes to XXXX, XXXX and TransUnion to dispute addresses on my credit reports and the arrived to all 3 bureaus by XX/XX/2021. 

In the dispute I stated that the only address that should be on my credit report is the address that stated on my Government Issued Identification. Currently there is more than that address on my credit report. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items were supposed to be reinvestigated or deleted from my credit record within 30 days. 

Not only were the inaccurate information not reinvestigated, It was done so by the E-Oscar system that these bureaus use. In the responses I received from XXXX, TransUnion and XXXX, they didn't include any documentation of the reinvestigation they did to verify the inaccurate address. 

. 
This is my final attempt of disputing this with the credit bureaus as I have yet to see proof of their investigation of this matter. If the inaccurate name variations don't get removed I will be filing a complaint with the FTC and seeking legal action for every violation that's reporting inaccurate information.

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 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
To whom it may concern, I sent in my disputes to XXXX, Equifax and XXXX to dispute addresses on my credit reports and the arrived to all 3 bureaus by XX/XX/2021. 

In the dispute I stated that the only address that should be on my credit report is the address that stated on my Government Issued Identification. Currently there is more than that address on my credit report. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items were supposed to be reinvestigated or deleted from my credit record within 30 days.

Not only were the inaccurate information not reinvestigated, It was done so by the E-Oscar system that these bureaus use. In the responses I received from XXXX, XXXX and Equifax, they didn't include any documentation of the reinvestigation they did to verify the inaccurate address. 

. 
This is my final attempt of disputing this with the credit bureaus as I have yet to see proof of their investigation of this matter. If the inaccurate name variations don't get removed I will be filing a complaint with the FTC and seeking legal action for every violation that's reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX/Capital One Account # XXXX Collections Agency : XXXX XXXX XXXX XXXX XXXX Original Creditor : Capital One Bank USA NA 1. ) XXXX XXXX has perjured themselves in their last response to The CFPB. They claim they mailed a letter notifying me of the debt they allege I owed to them in XXXX, however, show no proof of such, I never recieved such, I was unaware I could dispute this debt and the only documentation they have stating they mailed me anything at all is dated XXXX, roughly ( 3 ) three years later. 

2. ) XXXX XXXX made the irrefutably false, fraudulent, deceptive and misleading statement in their last response to The CFPB : " Business records provided to XX/XX/XXXX by Capital One at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX whose social security number ends in XXXX and that a balance of {$3500.00} was due on the account at the time of XX/XX/XXXX purchase. '' I have personally confirmed with Capital One, that the account ending in XXXX was not opened until XX/XX/XXXX, not XX/XX/XXXX as they falsely claim. 

In fact, Capital One has clear records which state my Capital One account beginning in XXXX which was opened XX/XX/XXXX, was closed in XX/XX/XXXX, due to my account being upgraded to a Capital One XXXX XXXX account which was then updated with a new account number ending in XXXX. None of these dates are remotely close to XXXX XXXX false and likely forged record of events as they clearly have retaliated for a period of 5 years through deceptive practices. 

The Capital One Account beginning in XXXX which was opened XX/XX/XXXX, was closed in XX/XX/XXXX, is in fact still listed within my credit report with an exceptional payment history, and a credit limit of {$500.00}, which does not reflect XXXX records either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was scammed via XXXX  from someone trying to purchase a rental home for a few days. They took the money and never showed up to let us into the home. I have all of the proof of conversations and a rental agreement. Unfortunately, the information that was provided by the owner was false. Ive contacted Wells Fargo multiple times to help me get my money back. I do feel as though with my proof I should be entitled to my Money back. I also have filed a dispute with XXXX. Sent money, {$1100.00} via XXXX  on XX/XX/XXXX through Wells Fargo. Disputed on XX/XX/XXXX telling them immediately it was fraudulent. They did not ask for any proof or documents regarding my case. They closed it and claimed that they sent a request to the bank asking for the funds backthe other party is not going to send it back.

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