vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
Good day, I have asked Coinbase support several times to change my residency address for my current one but they haven't done it properly ( country not matching the rest of the address ). Their support seems to be incompetent at carrying even the simplest tasks. 

It's an important matter as I believe financial institutions are supposed to have up to date informations on their customers. 

Best Regards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, On XX/XX/XXXX I noticed that my credit score on XXXX had took a BIG decrease on my points of XXXX  points. So I called XXXX on XX/XX/XXXX and talked to a person name XXXX to ask why a big drop on my points when I was doing fair on my points. Well XXXX who is a specialist stated to me that Capital One Bank USA put a nasty remark on my profile on XXXX all because I wanted to Dispute the Double Jeopardy Accounts on my Credit File. Now I'm not sure if XXXX and XXXX will be affected by this nasty remark, but if so I want all three credit agency to be notified and not affect my points. 
I filed a Dispute with XXXX, XXXX, and XXXX about Capital One Bank USA with the same account as XXXX/XXXX. In my letters I explained how I wanted Capital One Bank USA removed from my credit report because it was a duplicate account with a different name. XXXX was sold to Capital One Bank USA . However I was always in good payment with XXXX/XXXX  it's just Capital One Bank USA bought XXXXXXXX  Accounts from every customer. So back in XX/XX/XXXX my husband and I fell on HARDSHIP and settle all our debts with Freedom Debt and paid partial to Capital One Bank USA in a settlement. Have copies to send you. Also I have been trying since XX/XX/XXXX to dispute all inquiries from XXXX and XXXX dated on XX/XX/XXXX that I did not authorize or give permission to anyone to pull my credit report. If you can look at the attached paperwork you will see which one I have been trying to dispute with XXXX and XXXX. XXXX have removed all inquire but XXXX and XXXX will not remove and giving me a hard time. Please take a look at Capital One Bank USA and see why they have retaliated against me by leaving a bad remark on my credit file with XXXX. But also this bad remark may be on XXXX and XXXX in a few days. I really want Capital One Bank USA removed from my credit report now since they have been rude and with the double account. Thank you for your time in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I received a pre-qualification letter from Movement Bank for {$140000.00} to purchase an investment property, me and my realtor started to look for properties and on XX/XX/XXXX we went into contract for a property to be sold at {$100000.00} for that amount I would put 20 % down and Bank was supposed to lend the remaining balance. 

I put {$2000.00} for earnest money sent to Attorneys and {$2000.00} for Due diligence money sent to owners so they would take off the market and be in contact with us-my realtor and me, due diligence money as for my understanding to work as a promise to close the deal or lose it. 

I paid for a inspection that was done XX/XX/XXXX at the property where I was planning to purchase XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX, everything seemed normal. 

Then suddenly on Thursday XX/XX/XXXX I received an email from XXXX XXXX loan officer at Movement Bank to tell me I must borrow a minimum of {$110000.00} for this loan, something that wasnt disclosed before or at any point, why would they not share such a critical information until after I went into contract, after 9 days of knowing I was into a contract and they knew the purchase price. 

Now Im losing the {$2000.00} sent to current owners as a due diligence money, and Movement Bank representative just saying that they told us and they making an emphasis on the loan amount, I have the pre-qualification letter and emails where nothing was disclosed, in fact my realtor was also surprised on why would they let us go so far getting into contract and then drop the XXXX. 
In email from Thursday morning XX/XX/XXXX also from Movement Bank representative loan officer XXXX XXXX says As a reminder the minimum loan amount recommended for investment loans is at least {$110000.00}. 
RECOMMEND it doesnt say is a requirement. 

Theyre the Bank and now refusing the loan for about {$84000.00} because they say its too low, but Im losing my due diligence money, because they let me go into contract and put that money in. 

Attached is the pre-qualification letter where is show a hypothetical {$140000.00} loan amount. 
Email dated XX/XX/16 says estimated payment scenario.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I took out a private loan, XXXX XXXX XXXX, from Navient on XX/XX/2006. My father-in-law cosigned this loan for me. I still have a balance on this loan due to it being in deferment when I went back to school for my XXXX XXXX XXXX and due to the government halt on student loans for COVID relief. My father-in-law is in very bad health, has retired, and is not in the financial shape he was in back in XXXX. He has requested to be taken off the loan as a co-signer. I have called Navient to get this taken care of, but they will not work with me at all. I could get another co-signer added to the loan in place of my father-in-law so he will not have to be burdened with it. He did me a favor at the time he agreed to be a cosigner which I appreciate. I did not intend for it to eventually cause him distress and have an impact on his financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
In XX/XX/XXXX, my XXXX XXXX XXXX was involved in an accident and totaled out with a pay-off amount of {$14000.00}. I did not have GAP insurance but my insurance company ( XXXX ) was able to cover {$12000.00} and the Ancillary product refund was {$600.00}. I had made every on-time monthly payment from the purchase of the vehicle and then past the accident. Normal on-time payments were made after the fact to pay off the incorrect remaining balance of {$1700.00}. Even though there was no vehicle I continued to make payments. In XX/XX/XXXX, I made a {$50.00} payment at the beginning of the month and when I went to make a second payment on the XXXX the payment portal was blocked. I called the number listed and spoke to a customer service rep, she stated that my account was in another department and that I should receive a letter with the final balance. I did not receive a letter and waited. On XX/XX/XXXX I received a Hyundai finance alert paperless bill for {$220.00} due on the XXXX of XXXX, XXXX. This billing was obviously wrong My thought process was that maybe Hyundai Motor Capital was giving me a break and extended the term to pay-off over time. I was wrong. 
On XXXX the XXXX I received a call from Hyundai Motor Capital and spoke with Mr. XXXX XXXX. He stated that I had a balance due. I told him that I had tried to make a payment and I was locked out of the portal. I explained to him that I did not recieve a final bill and I asked if he could email the final bill which he did and if I can continue to make payments of {$200.00} more on the balance. He said yes. 
Hyundai charged off my account without warning to me and misreporting and not properly reporting to the bureaus over several months and while I was making payments on the account balance. I called several times to try and fix this. I wrote a letter showing that my intent was to do right all along. This account is paid in full. This is wrong to do to people.

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 2021-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HEAD MERCANTILE CO., INC.
State: MS

Complaint narrative:
I've had Two accounts that have not been properly verified from HMC Group, the first one is for {$3000.00} and the second one is for {$400.00} which was placed on my credit report on or around XX/XX/XXXX. I have disputed both items numerous times only to get a Verified response without written proof or my original contract signature with this company. I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. 
Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Well first I'll being with on my Experian report I believe I saw something about a XXXX XXXX XXXX XXXX listed as a address I've never heard of or have any understanding why that be on my report also there's several Incorrect addresses on report Wich only one should be there of Wich is XXXX XXXX XXXX XXXX Texas XXXX Also it has multiple names on there few Wich are misspelled there should be only one name on there Wich is my legal birth name that is XXXX XXXX XXXX please have this corrected on my report as of right now that seems to be the only things I notice I've disputed what I could I'll continue to go over an if I find anything else I'll contact you thanks for your time being able to communicate with those haveing authority to correct my report is great my email is XXXX my number as of now is XXXX if need any documentation of my identity I have no problem submitting or going about to prove in any way thanks.

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 2021-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: NY

Complaint narrative:
I tried to transfer XXXX XXXX  yesterday evening through Remitly using their express option, and was promised the transfer would go through by XXXX PDT on XX/XX/XXXX. It did not go through yet as of XXXX the next day XX/XX/XXXX where we are in XXXX XXXX This is actually the 6th time this has happened using this service. I reached out to support and had to wait 30 mins for an online chat, and was connected to 2 different reps because they kept disconnecting. I finally called and got connected to someone who's phone service was so bad I could barely hear a word they were saying. They told me the issue is with the bank 's side but at this point we have used both XXXX and XXXX as the receiving account, the latter of which is not even an actual bank it is an instant service, and had this issue regardless. I just spoke with the 3rd Remitly rep and I could barely hear him over the phone but he said there is nothing they can do, we just have to wait until MONDAY. We are stranded with no money the entire weekend and no way to pay our rent. I asked if they could just refund the money, and they told me it would take 10 business days so it would be better to just wait. At this point the money is just in limbo and I don't know if I will ever receive it. I will never use this service again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Since acquiring my loan late XXXX, Mr. Cooper has misapplied regular payments as " Additional Principal Payments '' repeatedly and then marked the month the payment was intended for as " late '' and tacked on fees. Part of this issue seems to stem from the automatic payment for the XXXX of the month arriving early and Mr Cooper 's system simply can not handle receiving early payments ( I've even be asked to send payments in after the due date to avoid this issue ). 
This has previously impacted my credit score as XXXX XXXX system reported me delinquent even though they had received ALL payments in a timely fashion and I was actually being reported delinquent for paying them one time or a little early ( one or two days prior to payment due date ). 
This has been an ongoing issue with Mr Cooper staring on XX/XX/XXXX when they misapplied my XX/XX/XXXX payment as extra principal instead of the XXXX payment and then marked XXXX as late. I continually have to monitor this account to avoid being reported to the credit bureau 's again due to Mr Cooper 's negligence in handling my account. 
Why am I being told to pay my mortgage after the due date to avoid late fees? So I have to pay late to avoid late fees? It's a terrible way to do business and after 3 years I'd think Mr Cooper would have enhanced their system by now to recognize an early payment. 

I'm attaching the history Mr Cooper recently sent showing how they have mangled this account making it extremely difficult to figure out just what it is they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
Chief Compliance Officer XXXX XXXX employed XXXX Contract Callers Inc.n sent letter dated XX/XX/2021 via United States Postal mail alleging that I owe a debt with a positive balance of {$37.00} for XXXX XXXX XXXX XXXX XXXX. I DO NOW OWE THE ALLEGE DEBT. CONTRACT CALLERS INC employee and all others involved have committed identify theft by stealing my name and using it without my authorization to do so pursuant to fraud and scams under CFPB.gov

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 2021-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Hello, I'm a XXXX  at XXXX XXXX  University. I got an Email in my university mail box about a XXXX job offer. Since the mail came in my XXXX mail box, i thought it was legit. The offer was to be a XXXX XXXX and the employer would send me checks through email worth {$2500.00} to deposit into my account. The name of the employer is XXXX XXXX, his email is XXXX. He would tell me to keep the {$500.00} as salary and send the remaining {$2000.00} to another person through the XXXX function in my PNC bank app. The email of the person i was sending the money to is XXXX. I only recently found out from my bank that the check i was depositing were fake checks and my account was overdrawn {$9600.00}. I talked to my bank and they told me that the only way to solve this problem is if i repay the amount in cash, for now, i was told to open a new account with a different bank. Currently i don't have that much money in cash. I'm reporting this incidence in hopes that you can help me find a solution because i genuinely had no idea that i was being scammed. I'm looking for any help i can get. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On the morning of XXXX XXXX, 2021 I received a text message from the XXXX XXXX in XXXX XXXX, NJ saying that an order was ready for pickup. This was confusing since I did not place an order and do not live close to XXXX XXXX. I checked my XXXX account and saw that there was no order listed. However, when I checked my bank account there was a debit from XXXX for the amount of {$1400.00} posted on XXXX XXXX, 2021. Again, I did not place an order nor did I authorize anyone to use my name or debit card to place an order. My debit card was deactivated by the bank and a representative from XXXX informed me that a XXXX XXXX was picked up at the XXXX XXXX XXXX XXXX using my debit card number. I filed a police report, filed an incident report with identitytheft.org and placed a credit alert with the 3 major credit bureaus. 

I received a letter from Bank of America XXXX XXXX XXXX, 2021 denying my claim. They claimed the charge was authorized by me or by someone who has permission to use the card or account. This is patently false and fraudulent on the part of Bank of America.

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 2021-10-16 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I was looking over my credit file and I just needed to update some things that are not current or accurate. The correct spelling of my name is XXXX XXXX XXXXXXXX please remove or delete any other spelling of my name it is name correct. 
I have several addresses on my credit report that are not mine please correct this at once, please. These are the incorrect addresses the should be removed : XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX  OH, XXXX, XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MD, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-10-16 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: GA

Complaint narrative:
I have contacted Equifax regarding the XXXX XXXX account in the amount of {$11000.00} on my credit report profile. I have sent letters from XX/XX/2021 to XX/XX/2021 asking for physical documents/contracts as proof that they lawfully and legally placed this account on my credit report profile. By law and stated in their correspondence, they will provide the method that was use to verify accounts. I asked for the method of verification that was used, and they did not disclose the method that was used, and refuse to remove the account from my credit report profile. It is clear that Equifax has unlawfully and illegally placed this unverifiable account on my credit profile, and I want this account removed from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
CONVERGENT OUTSOURCING, INC. placed a collection on 2 of the credit bureau XXXX and XXXX claiming I owe {$1700.00} from XXXX. They placed it on my credit file on XX/XX/XXXX, when it fact the debt was settled with XXXX for {$430.00} back in XXXX. Every year this company change the dated as if is new XXXX  and placed it has a new account to the credit bureau. I never received any communication from this company. Back in XXXX, another collection agency reported it and XXXX and XXXX deleted it from my credit file. I do not owe this company the amount they are reporting no di I owe XXXX that amount either. I am placing a complaint against this company for reporting inaccurate information on my credit file with XXXX and 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 2021-10-16 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I got a computer through XXXX. However they reported the computer loan through XXXX  XXXX delibquent and it was deferred. It has been reported late for months when it isnt

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 2021-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I was financed thru green tree on my mortgage on mu double wide manufactured home that i had on my property. I was being harrassed and lied to, called names and forced to pay up to 3 times a month my monthly payment. I paid every payment thru XXXX  XXXX, as per their requirement, and they would tell me i was behind and threaten me and call me names until i would make a 2nd or 3rd monthly payment in the same month, i have all the reciepts and a printout showing the payments made. they harrassed me at work and home, green tree eventually came and took my manufactured home right off of my property, even though i was not actually behind on payments, and should not have been in foreclosure at all. i was actually paid way ahead because of their non stop insistance every month over and over again that i had to make additional payments. i lived in the manufactured home for fourteen years and then green tree came and removed the manufactured home right off of my property, right after they recieved another payment from me. i can not express in words, the problems and stress this caused me. there is no way to reimburse me for the stress and problems it caused me and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation