vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-30 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: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/2021 I requested a payoff quote for my loan and was given the amount of {$9300.00} that was to be valid through XX/XX/2021. That payment was made on XX/XX/2021, however in between that time my regularly scheduled auto payment of {$250.00} was deducted on XX/XX/2021. 
Since the quote that I was given was to be valid through XX/XX/2021 I assumed that I would be getting a refund of the overpayment amount of {$250.00}, however the refund I received was for the amount of {$26.00}. When I contacted Lightstream customer service their response was that the payoff quote that I was given included my upcoming monthly payment, this made very little since to me because if I had only made a payment for the amount of the payoff quote that would mean I would still owe a balance.

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 2021-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, I have paid the company 's balance in full including a late fee for which they did not give me access to my account or review of the transactions on said account. The company will not provide me with account statements of the charges they are stating that have incurred on my 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 2021-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: American Coradius International LLC
State: PA

Complaint narrative:
Letter from collection co. Stated I owed a debt from original creditor XXXX, contacted XXXX and I dont have nor never had an account with them therefor noting is owed, this is a fraudulent scam

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
High Credit, Past due amount, date of last payment, last reported and payment history are not being reported factual and consistently between the three major bureaus. Account Name : XXXX XXXX I am requesting that this account not be updated and I am demanding that this account be permanently removed from my credit file. 

I have attached and highlighted the inaccurate reportings from each account that are reporting inconsistently between each bureau. AGAIN, I am not requesting an update on these accounts, I am demanding a deletion of this account and I am demanding that you not ignore my demand. 
By the provisions of the Fair Credit Reporting Act, I request that these items be investigated and removed from my report. It is to my understanding that you will recheck these items with the creditor who has posted them. I also understand that under 15 U.S.C Sec. 1681i ( a ), you must complete this re investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. Thank you for your time and help in this matter

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 2021-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
I just bought my XXXX home in XX/XX/2021 at the referenced home address. I used Rocket Mortgage as my mortgage company along with XXXX for home owners insurance. After XXXX months I received a letter from Rocket Mortgage that they issued a new home owners policy because my current policy with XXXX has been cancelled. I called XXXX to see what happened and they said they dropped the ball in notifying me that they cancelled my policy after they received the appraisal documentation that a few shingles were lifted from my roof and they couldn't insure my home. Local XXXX representative told me that actually Rocket Mortgage knew before I signed for the house of the report but didn't notify me. I commence to call Rocket Mortgage for an explanation and was told that an underwriter dropped the ball on my mortgage and they didn't learn about this until XXXX  days later after I signed my mortgage papers. Now, I have been cancelled from XXXX and my current insurance company, XXXX has appraised my home for {$270000.00} because of the material to replace my home. Never did they mention that the roof was an issue or needed to be replaced! My neighbor whose home is built the same time with the same materials told me tonight that his insurance isn't valued like that!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
High Credit, Past due amount, date of last payment, last reported and payment history are not being reported factual and consistently between the three major bureaus. Account Name : XXXX XXXX I am requesting that this account not be updated and I am demanding that this account be permanently removed from my credit file. 

I have attached and highlighted the inaccurate reportings from each account that are reporting inconsistently between each bureau. AGAIN, I am not requesting an update on these accounts, I am demanding a deletion of this account and I am demanding that you not ignore my demand. 
By the provisions of the Fair Credit Reporting Act, I request that these items be investigated and removed from my report. It is to my understanding that you will recheck these items with the creditor who has posted them. I also understand that under 15 U.S.C Sec. 1681i ( a ), you must complete this re investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. Thank you for your time and help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: TX

Complaint narrative:
High Credit, Past due amount, date of last payment, last reported and payment history are not being reported factual and consistently between the three major bureaus. Account Name : XXXX XXXX I am requesting that this account not be updated and I am demanding that this account be permanently removed from my credit file. 

I have attached and highlighted the inaccurate reportings from each account that are reporting inconsistently between each bureau. AGAIN, I am not requesting an update on these accounts, I am demanding a deletion of this account and I am demanding that you not ignore my demand. 
By the provisions of the Fair Credit Reporting Act, I request that these items be investigated and removed from my report. It is to my understanding that you will recheck these items with the creditor who has posted them. I also understand that under 15 U.S.C Sec. 1681i ( a ), you must complete this re investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. Thank you for your time and help in this matter

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 2021-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: DE

Complaint narrative:
Spring Oaks Capital that bought an alleged account with XXXX Bank has put an account on my credit file that does not belong to me. I have never received a dunning notice or a letter stating that I owe this debt. According to the FDCPA a creditor must send a dunning letter and allow the consumer to respond within 30 days. On XX/XX/2021 I sent a debt validation letter and asked that they send me proof that the debt belongs to me. They received the certified letter as of XX/XX/2021. As of XX/XX/2021 they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: TX

Complaint narrative:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and I have the right to privacy : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Debt validation letter written and mailed out XX/XX/2021 to Portfolio Recovery Services at XXXX XXXX XXXX, XXXX, VA XXXX disputes were mailed out to XXXX XXXX and XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have a XXXX day late payment reporting on all of my Navient accounts for XXXX of XXXX although I was current for XX/XX/XXXX. I contacted Navient and the issue wasn't resolved. I filed a dispute with XXXX via certified letter with return of receipt asking for verification of the late payment. XXXX XXXX stamped the receipt XX/XX/XXXX. I was mailed the dispute results that were completed XX/XX/XXXX reporting accurate and updated with no verification of the late payments. I contacted XXXX and asked for the verification and they stated Navient didn't send it and that they will not bring the late payment to current although they do not have verification of the late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have a XXXX  day late payment reporting on all of my XXXX accounts for XXXX of XXXX although I was current for XX/XX/XXXX. I contacted XXXX and the issue wasn't resolved. I filed a dispute with Equifax via certified letter with return of receipt asking for verification of the late payment. XXXX XXXX stamped the receipt XX/XX/XXXX. I was mailed the dispute results that were completed XX/XX/XXXX reporting accurate and updated with no verification of the late payments. I contacted equifax and asked for the verification and they stated XXXX didn't send it and that they will not bring the late payment to current although they do not have verification of the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: TX

Complaint narrative:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and I have the right to privacy : 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 non-monetary relief
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following accounts attached is the identity theft report. I have asked for a investigation report and never received it. The law says this that it should be removed in four days and its been over four days as you can see on the FTC REPORT I sent it XX/XX/2021 and today is XX/XX/2021. 15 USC 1681-C 2 ( a ). ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.

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 2021-11-30 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX D.O.B XX/XX/1992 XXXX # XXXX I am not an attorney or a third party, I am filing a complaint on my own behalf because it is my legal right to do so. I have had my income affected by the Pandemic Shutdown. I am requesting accommodations under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am in the process of refinancing my Car loan and I need help with the late payment and repo reporting is inaccurate. 
Please update the following reported account to a current status XXXX XXXX XXXX  XXXX XXXX XXXX. I have two unverified account that are not reporting correctly I new had any legal business dealing with the following companies : XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX. I HAVE DEMAND LEGAL DOCUMENTS FROM THESE COMPANIES BEFORE I RECEIVED NOTHING IN WRITTEN CORRESPONDENCE. PLEASE DELETE/ REMOVE THE ACCOUNT AT ONCE!! 

I have found Cell phone numbers on my account that do not belong to me!! 
( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
Paypal MasterCard, issued by Synchrony has closed my card without any prior information. They delay payment processing which resulted in my monthly balance increase ( {$920.00}, on XX/XX/XXXX which I paid already ), dropping my credit score. Now they claim that they closed due to my current credit score.

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 2021-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Selene Holdings LLC
State: CA

Complaint narrative:
1. I was in a Covid-19 forbearance plan with XXXX Mortgage. 
2. I asked XXXX umpteen times to place my account on a repayment plan, to no avail. 
3. XXXX sold the servicing rights to Selene Finance LP. 
4. Selene Finance reported late payments to the three CRA 's. 
5. Selene Finance initiated a foreclosure proceeding.

6. I reinstated the loan and brought it current.

7. My new account 's online portal has hidden information with added fees that does not disclose nor explain what the added fees are for. 
8. My escrow balance is incorrect, as I have double-paid my property taxes : to the county and to the Re-instatement Amount. 
9. My credit score is damaged, as they were not supposed to report lates for those who are/were in a Covid-19 forbearance. 
10. Similarly, my new payment due is {$400.00} more than usual, and I will be reluctantly paying it because I feel as though I'm being coerced into doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: OK

Complaint narrative:
The company, FRANKLIN COLLECTION SV, purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002, I am a natural person which means the name in all capital letters is not me. My name is XXXX XXXX XXXX XXXX. XXXX5 USC ( A ) ( 1 ) The term " bureau '' means the Bureau of Consumer Financial Protection. XXXX XXXX, XXXX, and XXXX are assumed to be credit bureaus but there is only one bureau and that is the consumer financial protection bureau. 
On XX/XX/1933, Congress enacted HJR 192 to suspend the gold standard into abrogating the gold clause. This resolution declared that " whereas the holding or dealing in gold affect the public interest, and or therefore subject to proper regulation and restriction, and whereas the existing emergency has disclosed the provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of Congress... In the payment of debts. This resolution declares that any obligation requiring payment and gold or particular kind of currency or an amount in monetary policy ; and ... Every obligation heretofore or hereafter incurred shall be discharged upon payment, dollar for dollar, and any coin or currency which at the time of payment is legal tender for public and private debts. 
15 USC 1681 ( 3 ) ( E ) ( e ) the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mold living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: LA

Complaint narrative:
I mailed in a copy of my FTC report showing fraud on several accounts. I submitted the FTC report to all three bureaus ( Experian, XXXX, XXXX ) and none of the accounts have been removed or updated from my current credit reports. They are in direct violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

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 2021-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XXXX, I purchased XXXX token from Coinbase during its initial listing. The price per coin was displaying well over XXXX cents despite that fact that the description was listed as a stable coin pegged to the XXXX YEN. The value of the coin continued to increase throughout the day so I made several more purchases to potentially increase my profits. I then received additional tokens from Coinbase which were converted to another token " XXXX '' at XXXX which held even more profit potential. This transaction was completed and a reference code or hash rate of " XXXX '' was assigned. Several hours later, Coinbase halted trading of the XXXX token claiming to be experiencing technical difficulties through an error message listed on the trading tab for XXXX. The XXXX wallet 's Buy/Sell feature was disabled shortly afterwards as well as the ability to Withdraw or Send tokens from customers portfolios. 

A few days later Coinbase representatives withdrew all remaining XXXX tokens from my wallet. Then less then 24 hours later they returned some of these tokens. All withdrawals and deposits were done without reference codes or accompanying email confirmations as all trades, transfers, deposits and withdrawals do per their own user agreement. On XXXX at XXXX Coinbase representatives withdrew all of the remaining tokens within my portfolio totaling approximately {$1000.00} leaving me with a balance of XXXX. This included tokens which were not XXXX and were purchased with USD through my debit card. I reached out to customer support and received no explanation as to why my account had been drained or my trading capabilities limited. Coinbase representatives also restricted my access to trade, buy, sell or withdraw within my linked Coinbase Pro account which have not been reinstated. After reviewing transactions within my portfolio 's ledger it was also clear to see that XXXX totals had been altered several times. This was even done to my completed token conversion transaction into XXXX which is a direct violation of the customer user agreement. I have several screenshots as proof of the tampering in an effort to force losses onto their customers due to negligence or errors.

Company response to consumer: Closed with explanation