vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-11 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: DC

Complaint narrative:
I am a single mom with XXXX kids who suffered extreme physical and emotional abuse by my ex husband who fraudulently stole everything we had, opened credit cards under my SS # and caused us to be evicted and homeless for years. Due to my ex husband actions I received multiple calls from collections that were not mine and struggled to survive. I was able to settle with XXXX after I told them what has happened and that I am not responsible on these accounts but they kept threatening me to take me to court if I won't pay. XXXX never explained me my rights if any, even after explaining that I am a victim of Identity theft. They said that I am responsible since it's my SS and promised me to decrease the amount and delete the information from my credit report. After months of payments, I finished and called them however, they refused to delete the 3 accounts. I contacted the credit companies with regards to 3 XXXX accounts that were promised to be deleted, provided them with my eviction letter, a police report about my ex husband stealing all we had and explaining them that these 3 accounts are not mine. I disputed for over a year every month through their online dispute, called and disputed by phone, and mailed supporting documents. They just don't care. I am struggling during the pandemic with XXXX kids and these fraudulent items hurt my life severely. Please help me remove these three accounts from my credit repots.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
The company responded to me threw cfpb stating that they was removing this debt from SEQUIUM ASSET SOLUTION account # XXXX from all my three credit bureaus because I sent proof that this account is fraud I sent proof of police report and identity theft and this account wasn't removed from my credit report its still showing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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:
On all 3 credit reports they have me 30 days late on XX/XX/2020 however, XXXX XXXX XXXX XXXX notified all 3 credit bureaus XXXX XXXX that it was their error due to updating their systems. The XXXX late pay was removed for a couple months but came back after it was corrected for the 3rd time. I will attach proof of the error from the lender l.

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 2021-02-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: AZ

Complaint narrative:
AD Astra Claim this debt is Accurate & Consistent but on the original creditors ( Speedy Cash ) its 2 different incorrect spelling of my name, which is a major violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I owe nothing to Wellsfargo as I sent them payment to cover my complete balance and in turn they froze my account and after reaching their offices on the second occasion today XX/XX/11 a representative said I needed to speak to key services and it will take 10 business days to get someone from that department, when I had already called on the XXXX. When I expressed my dissatisfaction of how I cant even use my credit card and maybe the news can help me to expose their unbelievable practices she even responded I was overreacting seriously! I feel that they are profiling me as to how I can pay my card off! Just like that. Discrimination is the word. Well this to me is unheard of and instead of treating me like a great customer Im getting treated like a criminal unworthy of credit after my payment. I paid off the account because Id rather pay with a credit card for security purposes and insurance. 

I think I shouldve gotten someone immediately to handle my situation and not be put through this aggravation.

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 2021-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
I've been paying {$140.00} every month for PMI for years and want it taken off as the property value has increased to at least 78 % of the original value. According to the loan the PMI should automatically terminate when it reaches that level. It has not. I've called numerous times and no one answers all I get is voicemail loop that is endless! I've tried to log in to my account. Again, can't log in with my password. When I request a new password, I have never received it. Please help! Yes, I'm current on all my mortgage payments, never late.

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 2021-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI

Complaint narrative:
My loan servicer, SPS servicing, is refusing to remove PMI at the automatic payment termination date. My loan is current, with no missed payments, There is no 2nd mortgage. XXXX is at 77.89 %. Closing docs show last PMI payment is XX/XX/XXXX21 Company is refusing to remove PMI and forcing me to pay for a BPO to estimate value. 

My original loan documents signed at closing show that last PMI payment is XX/XX/XXXX2021. That payment has been made, and I am being charged again in XXXX. Company told me they will not remove PMI without paying for BPO and that they are not required to, and there is no such thing as automatic termination of PMI. 

I have met every requirement for automatic termination of PMI and loan documents show it is to be terminated. They are not abiding by the terms of my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service Company, INC
State: CO

Complaint narrative:
I have never been to XXXX XXXX  At XXXX XXXX. They have 2 charges on my Credit report for the same thing. I have disputed this, and was told it would be removed, It has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX Date Opened XX/XX/XXXX Balance {$1400.00} XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$2900.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was contacted by the phone number XXXX on Tuesday, XX/XX/2021 at XXXX the call came from XXXX XXXX , NJ. The caller left a message : " Good Afternoon my name is XXXX I'm calling on behalf of XXXX regarding notification of the pending compliant against XXXX XXXX. We need you to contact the issuing agent at XXXX and reference case number XXXX. This is an urgent legal matter requiring immediate attention. The failure to comply will result in further legal action. Please be advised the just call disapprove efforts of the made to notify you XXXX in regards to this matter all communications are monitored and recorded for legal purposes. '' The same number contacted me Wednesday XX/XX/2021 at XXXX the call came from XXXX XXXX , NJ. The caller left a message : " Afternoon my name is XXXX I'm calling on behalf of XXXX  just regarding a notification on the pending complaint against XXXX XXXX. XXXX you need to contact the issuing agent XXXX and reference case number XXXX. This is an urgent legal matter that requires your immediate attention. Failure to comply will result in further actions being taken. Phone number once again for either you or your attorney to contact is XXXX. Please be advised proof of parts are made to notify XXXX and regards to the matter and all communications are monitored and recorded for legal purposes. '' The same number called again on Thursday XX/XX/2021 at XXXX from XXXX XXXX , NJ. The caller left a message : " This is an urgent message for XXXX XXXX. XXXX your file has been forwarded back to my office for noncompliance this time sensitive to prevent stop further actions from being taken against you. You need to contact issuing agent at XXXX reference case number XXXX. All communications are monitored and recorded for legal purposes '' The same number has tried contacting my wife on several occasions and left voicemails. 

I called the XXXX number back and spoke to a woman, she claimed I have a unsettled credit card debit with Chase bank and I am being sued in small claims court. I explained that I have no credit card debit and have been debit free for 5 years. She proceeded to argue with me and claim XXXX has a unpaid outstanding debit against me. She asked me to verify my last for digits of my Social Security Number. I asked why I had not received any notifications about this matter in the mail and she responded that the claim is moving forward to small claims court. At this point I realized this was a possible scam and told her that I need proof sent to me via the mail regarding this matter, she gave a run around answer and I told her to XXXX off and you do what you need to do as I will do what I need to do to report the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
WRONG you are referencing the wrong phone call. I called the same month my payment was due to pay off the credit card. I NEVER spoke to that agent at all. All she said was hello and after I said hello she hung up on me. I was on hold for an hour. I could not afford to be on hold for another hour. I thought I paid at the store the following week. I even tried to have the store update my address. The store said they could not. The reason I could not pay nor update my address is because you have a bad phone customer service process. As a result I did not get my payment in on time and I was never notified about late payments BECAUSE of your bad phone customer service. I have everything else paid on time. I pay my mortgages, bills and other credit cards on time. YOU are the only one that has left a derogatory on my credit report and I should not have to pay for YOUR poor customer service!

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 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian Credit Bureau They are pretty much unreachable if the consumer wants to ask about credit inquiries on their credit record or more importantly if the consumer wants to unlock a locked credit report. They have a web site process that is completely dysfunctional - just an endless loop. They have a phone tree that doesn't even allow access to an unfreeze function or to a human being for retail clients. A simple web search verifies that legions of consumers all have been asking how to access Experian - and some give " back door '' suggestions such as posing as a business client rather than as a retail client. This is definitely below industry standard - the other two comparable large credit bureaus provide these services easily via both web access and via direct access to phone agents.

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 2021-02-11 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: VA

Complaint narrative:
My Equifax Credit Score is 70 points lower than XXXX and 69 points lower than XXXX because there is a notation in the credit score that I declared bankruptcy which is not true. I have never ever declared bankruptcy. This has been on ongoing issue for years and they refuse to correct it. Every time I call, the service reps claim they can not find that notation. It isn't reflected on my credit report with my account history but I tell them that the comment shows up in the credit score section. Consequently, my only recourse over the years is for my husband to apply for credit by himself. I want it fixed. I recently found out about your organization over another issue. I was hoping you can do something.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CT

Complaint narrative:
Received letter from XXXX XXXX informing that the my mortgage new loan servicer is Rushmore Loan Management, XXXX, California. Letter from Rushmore states that XXXX XXXX XXXX is the new loaner creditor, and Rushmore is the servicer. A second letter from Rushmore states that XXXX XXXX is the loan creditor. Red flag on Rushmore for not knowing who is loan creditor. Also, amounts of loan on Rushmore letter were incorrect. This is a second red flag with Rushmore. I reached out to call XXXX XXXX over the phone and at a location. XXXX XXXX said loan balance shows XXXX and could not view any amounts of loan. Why is the second letter from Rushmore stating XXXX XXXX is the loan creditor if XXXX XXXX is showing XXXX  balance? Rushmore is showing too many inconsistencies. I have no choice I have to send my payment to Rushmore as XXXX XXXX could not accept payment with loan showing XXXX  balance. My complaint is with both companies, Rushmore for too many inconsistencies with loan amount and not knowing loan creditor, and XXXX XXXX for not reaching out to me with other options than having Rushmore service the loan. XXXX XXXX gave me 2 weeks notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
XXXX XXXX XXXX have claimed that I owe them XXXX dollars and told be to pay them by using prepaid cards. And is currently saying that they will sue me if I do not pay, but I remember paying it off, or so I thought. Below is the email they sent me : LEGAL ATTORNEY Mon, XX/XX/XXXX, XXXX XXXX  ( 3 days ago ) to me This is ACE XXXX XXXX XXXX XXXX XXXX it is a parent company which owns and operates more than 350 parental payday loan websites- XXXX  XXXX XXXX , XXXX  XXXX & XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  etc. You have used one of them to get this loan approved and you never bothered to pay this debt, so the creditor wants to know your intention about this matter of yours. What would you like to do? The principal amount was {$300.00} and now with the late fee and taxes it includes the Attorney charge, NFS Charge, Affidavit Charge, Rate of Interest the initial amount of {$300.00} goes up to {$980.00}. 



We are talking about the loan amount of {$300.00} that you took with the company ACE, they do have a signed copy of the contract which is signed under your email address XXXX and also would like to mention your computer 's IP address was also traced when you were signing the contract with the company. The company has more than 14 technical pieces of evidence in order to prove the money was successfully deposited into your bank account.

We have settlement amount for you : 1. If you can make a one-time payment of {$400.00} by today then we can close your case file with this amount only. 

2. If you are looking for bi-weekly payment then you have to pay a total amount of {$500.00} with payment arrangement and you can pay {$100.00} bi-weekly till paid in full.

3. If you are looking for monthly payment then you have to pay a total amount of {$600.00} with payment arrangement and you can pay {$200.00} monthly till paid in full.

Kindly let us know what type of payment arrangement you are looking for.

Do provide us with the date on which you can pay so that we can update your account. 



We would like to update you that once you will pay off the balance thereafter we will provide you a Full And Final Payment Receipt stating that your account has been paid in full with XXXX balance and you are no longer a debtor for the company. Also we will remove your name from the Major Credit Bureau.

Do revert back for any queries, And I said it's okay, that I don't mind paying in off, but there is no way I will do prepaid cards, especially one that I do not know. I would rather pay in check, debit card, or cash order if needed. I just never knew that I had a debt still, since they took money out of my account repeatedly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/03 I changed my password to my digital wallet on coinbase.com. After entering in my new credentials I was prompted to complete a 2 step authentication to successfully access my account. The 2 step authentication is to receive an 7 digit code via SMS text message to my phone number I have on file with coinbase. After entering the code into the coinbase website/app I would be able to access my account. The issue is I am not receiving the text messages with the code and I don't know why. My phone number and all my other contact information has NOT been changed. In the past I have received these text messages and this is the first time I have encountered this issue. There is no other alternative option to receive this code so I have not been able to access my account for 8 days now. I have opened a case with coinbase on XX/XX/03 ( case # XXXX XXXX but I have not heard anything back. I tried contacting them multiple times but yet still no response. I need to get access to my account ASAP as I am losing potential earnings.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: OR

Complaint narrative:
XXXX : Graduated XXXX XXXX XXXX XXXX. 

XXXX XXXX : Consolidated my loans. Total financed : {$120000.00}. Terms : Level payments, 30 years, 3.5 %. First servicer was XXXX XXXX. I started making monthly payments for the amount due. Made at least the required payment. No missed payments. 

XXXX : Loans were transferred to ACS. I continued to make monthly payments, and monthly excess payments. No missed payments. I noted that my ACS principal balance did not appear to be declining according to my own schedule ( even assuming no excess payments were applied to the principal ). Over the years, I requested the amortization schedule and other information from ACS many times, but they did not comply. 

XX/XX/XXXX : Loans were transferred from ACS to XXXX. As of XX/XX/XXXX, ACS showed my principal balance to be $ XXXX.This value in itself was not correct. This can be proven by plugging the initial loan terms into an amortization calculator. Assuming no extra payments ( ever ), my balance should have been about {$81000.00}. In addition, according to a policy I was aware of, my extra payments were not being applied to the principal. They were used to advance my due date. As of XX/XX/XXXX, my due date had been advanced by my extra payments to XX/XX/XXXX. That's 17 months of monthly payments. Because ACS had calculated my monthly payment as {$640.00}, this totals {$10000.00} that was not applied to my account before it was transferred to XXXX. 

By my calculation, based on records that I have, the amount that should have been transferred from ACS to XXXX should have been around {$70000.00}. Not {$94000.00}. 

It is well known and broadly reported that ACS mishandled student loan accounts including mis-calculating and mis-applying payments, and that when they were forced to transfer their accounts to other servicers errors like the ones I am reporting did occur. 

To fix this, I would like my opening balance with XXXX to be corrected. 

I have tried to get XXXX to address this, but they say to contact ACS. I can't contact ACS because they are out of business.

Company response to consumer: Closed with explanation