vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-08 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: GA

Complaint narrative:
I asked Equifax to investigate an account they are reporting on my consumer report. I've sent a total of XXXX letters! Dating back to XX/XX/21. Ive been completely ignored. The dates are XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21. Equifax is also reporting a duplicate account on my consumer report as well that needs to be removed immediately. All this inaccurate info is causing me XXXX XXXX especially during a time like COVIDXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: VA

Complaint narrative:
I received a letter from Transunion on XX/XX/2021 regarding a false account that I have reported to them via mail in several dispute letters. The falsely reported account listed as XXXX XXXX XXXX. Transunion stated in a letter that they sent me that the account was verified. I reached out Transunion and asked how did they verify the debt! According the law I know that I have a right to know how this account was verified. 

Also, according to FCRA 15 U.S. Code {$1600.00} ( XXXX ) ( a ) - reports containing information solely as to transactions or experiences between the consumer and the person making the report shall be excluded from a consumer report. How is it that they can report this information based on what a creditor told them without having proof of the account! 
Sending over a final bill that was altered is not PROOF! 

This is my final attempt to get this false account deleted from my account before I take legal action and sue for EVERY violation from this XXXX XXXX XXXX people and Transunion. This has been damaging to my credit and I haven't been able to find a decent place for me and my kids to live because of it. 

Thank you for your time and help in this matter and hopefully we can get this resolved finally.

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 2021-12-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc.
State: DE

Complaint narrative:
I closed my account with Self the second week of XX/XX/XXXX. I received an email acknowledgement that my account was closed. The email stated that I would receive a refund via check. I contacted Self on XX/XX/XXXX to report that I had not received my check. I was told that a direct deposit would be processed. In the meantime, received the my heck on XX/XX/XXXX. I contacted Self to report that I finally received my check and asked if I could deposit the check into my account. I received a message from a Self XXXXe that said that I could cash the check or deposit the check into my bank and that they were happy to hear that I received my refund. I deposited the check and Self had placed a stop payment on the check. This caused me to incur an returned check fee of {$20.00} on XX/XX/XXXX. My refund check was for {$18.00}. Self reached out to me and asked that I send them a screen shot of the returned check fee. I sent them the screenshot. I've asked for an update on this and no one from Self is responding. For every day that my account remains over drafted, I run the risk of incurring additional overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
Failed to provide any documentation as to the validity of dept, harassing phone calls unauthorized emails bombardment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
It started XX/XX/2021 when I looked at my account and found it near zero. I called Wells Fargo to find out what happened to my money and they said some women claiming to be me needed the money immediately for her XXXX XXXX. I told them it was not me nor do I have a XXXX to pay. They said Dont worry we will recall it. Then they said the other bank XXXX XXXX would handle the issue. Next, they refused to send it back and said I had to report it to the police which I had already done. Again Im trying to get back money left to me from my XXXX XXXX XXXX months ago. To make a long story short Wells Fargo needs to replace money they gave to someone and lock them up for this crime. I was send a letter and the response from them was I stole my own money. 
Wells Fargo acknowledged the fraudulent activity and credited back most of the {$25.00}. Transactions but they still refuse to give back my {$12000.00}. and its been 4 months now that they have refused to return the money. Please have them fill an insurance claim or something or whatever to return my deposit.

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 2021-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
Citibank advertises their shop your way program. You can receive points for using the card, and use those points at other merchants. The problem is you can not access your account. If you try to use your password it is not accepted and if you try to change the password itis not accepted. So I called Citibank to complain and they send your call to shop your way rewards. they do not answer the phone. I left a message for them to call, no call. I have XXXX points which is worth {$120.00} I can not use. if you get on the website you will see others have the same problem.

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 2021-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: LA

Complaint narrative:
Sunrise Credit XXXX refuses to remove a debt that I have already paid directly to XXXX and XXXX in the amount of XXXX. I was told to email Sunrise the confirmation number of the payment accepted by XXXX and XXXX, I have done that and the debt remains on my credit report, and is hindering my credit at the moment.

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 2021-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
I closed my mortgage with US Bank Home Mortgage ( Loan A/c XXXX ) in XX/XX/XXXX. There was excess money in my escrow account there was a excess of US Dollars XXXX. The mortgage company sent me a checck for the same. I could not cash the @ check since I was out of the Country and was held up in XXXX due to XXXX. By the time I returned the above Check has become Void ( since180 days have passed from the date of the Check ). Check No. XXXX dated XX/XX/XXXX. 

I requested the above Morgage for a Duyplicate Check in XXXX / XXXX. Their Customer Service team asked me to contact their Mortgages Released Section who in turn pushed back and asked me to call Customer Service which I have done multiple Times. 

On XX/XX/XXXX I talked to their Rep ( Name not known ). I was promised a duplicate check after they verified all the Info. Nothing happened. I called again on XX/XX/XXXX and talked to XXXX XXXX ( Last name was NOT given ) then again nothing happened. On XX/XX/XXXX, I had to repeat the entire process and this time, the call was handled by Customer Representative XXXX ( last name not given )

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 2021-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
I was furloughed during the pandemic and applied for forbearance from my loan servicer in early 2020. I was not advised that I would be responsible for repaying the entire past-due amount after the forbearance period. I have contacted the servicer and requested options to repay the balance over time, I have offered some lump sum payments and have been denied without any resolution except selling my home or foreclosure. My loan is with a private lender which seems to have no intention of working with me. In my latest appeal, I offered to pay XXXX of the XXXX that of the forbearance amount. This offer was declined without any other offer to help us. This seems unfair and I know that government-backed loans are receiving better treatment. I am only asking for time for my income to return and to raise cash to pay this unexpected balloon payment.

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 2021-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Thursday night I got a text from coinbase ( Your Coinbase verification code is : XXXXDo n't share this code with anyone ; our employees will never ask for the code. ) even-though I wasnt even using my phone, thats when I realized something was wrong. Immediately I noticed my phone service ( XXXX ) was gone ; With 2 different phones i called coinbase and XXXX right. After 30 minutes of waiting I got a rep from coinbase on the line, they said hello and asked for my name and hang up the phone as if they didnt hear me on the other end. At this time my money was still in the account and had the rep done their job they would have been able to block my account before my money was all transferred out. As I called coinbase back I got a hold of a XXXX XXXX on the other phone and they started to look for what had happened with my account. It turned out that a XXXX rep in another state ( Wisconsin ) had activated my line on another SIM card ( sim-swap ) without my permission or any of my identification. After a few long minutes I was able to take control of my phone number again. Once I reached another Coinbase rep with the alternating phone it was already too late as I had already lost a little under {$60000.00} and it had transferred out of my account. By the time that rep helped me secure my account I was able to save the last few crumbs of my account totaling about {$3500.00}. Coinbase hasnt reached out yet and I am still waiting for XXXX to finish their investigation. 
XXXX is at fault for switching my sim without my permission ( possibly an inside job ) Coinbase is at fault for not helping me the first time and hanging up the phone on me in such an emergency situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Im a victim of identity theft and these Are the inquiries that occurred from the theft XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXE XX/XX/XXXX XXXX & XXXX XX/XX/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 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a credit freeze with all three credit agencies. Despite my freeze being in place, on XX/XX/21 Experian provided my credit report to XXXX XXXX XXXX for a fraudulent credit card application. Experian has cleared the report on my file, but has failed to let me know why they negligently provided the report while a freeze is in place. 

I want to know why the credit report was provided with a credit place in place. This should not have happened. 

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 explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to get ahold of Equifax by speaking to a live XXXX XXXX XXXX to resolve an issue regarding the retrieval of a PIN that was given to me when putting a freeze on my account, so that I can continue setting up my XXXX under XXXX XXXX. The issue is that I set up an account with a different credit company and do not have the PIN that was given to unfreeze my account. My credit is unfrozen, but XXXX still needs the PIN to proceed further, but Equifax DID NOT give me a number. While trying to get ahold Equifax, it takes you straight to an automated person to handle your business, but nothing was handled. After I gave my personal information, they claim that there is no record found, and that they will mail me out a letter with a recovery PIN ( or something along the lines of that ). I do not have the time to wait for something in the mail that will take a week when I can get it over the phone. My biggest issue is the fact that Ive been waiting to speak to a live XXXX XXXX Equifax for TWO HOURS! Not to mention that I had been trying to get ahold of them since yesterday ( XX/XX/2021 ) This is currently happening as I write, and Im currently missing work just to get a PIN. This is extremely unprofessional of this company to not have a better customer service line to help with these kinds of problems. If I would have know that placing a freeze on my credit was not for the greater good, then I wouldnt have done it. Absolute worst credit company, nothing has been done, and my life is being XXXX by this as I sit here and write.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: VA

Complaint narrative:
I received my credit report Experian on XX/XX/2021 with a few unauthorized accounts still showing on my report after several letters have been mailed to you!! I am enclosing a copy of my credit report with the incorrect data highlighted. I have also included court documents that shows that the XXXX account has been dismissed! Why would this account be dismissed if the account was accurate! XXXX has sent me a letter stating that it is a fraudulent account and requested that you update my credit report. I attached that letter creditor verifying that this information on my credit report is inaccurate and should be removed from my credit file. 

I have also enclosed a copy of the letter for you to review. I also have an account showing on my credit from XXXX XXXX XXXX that you report stated was verified from the company. Before contacting you, I reached out to them also and they sent me a final bill. I informed them that they are breaking the law and I hope that you have not taken that same bill and verified my debt. According to the FCRA 15 U.S. Code $ 1681a ( 3 ( e ) it clearly states such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know where did you go to verify this debt OTHER than XXXX XXXX XXXX. 

If you don't remove these false accounts, then you will be held liable, and I will take further legal action to ensure that I am monetary compensated for all the stress and denials that I have received due to this false reporting. My children and I don't even have a decent place to live because of these two accounts and I need them removed immediately. This is my fourth attempt to get these false accounts deleted from my account. I know that you have received my letters because I have also included in my attachments where one of your representatives signed for the mail certified. 

Please take the time and read through my documents and send me legal proof of why these items are still showing on my reports. Thank you for your time and help in

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 2021-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I switched banks in XX/XX/XXXX. XXXX setup a monthly auto-payment to pay {$1400.00} to Freedom Mortgage on XX/XX/XXXX, when payment was due, using my new bank account. Unfortunately, the payment did not process. Many other transactions to other services processed successfully and I missed the fact that the mortgage payment did not process. I received a letter in the mail on November 2nd, 30 days later, stating that I had missed a payment. I immediately logged on, discovered the error and payed {$1500.00} which was the payment due on XX/XX/XXXX in addition to the late fee of {$59.00} along with {$1400.00} which was the payment due for XXXX. On XX/XX/XXXX, I received an alert from XXXX stating that my credit score had decreased from XXXX to XXXX. 

Freedom Mortgage did not tell they were reporting a late payment. They did not provide me an opportunity to resolve the issue before reporting the late payment. Freedom Mortgage did not send me an email, a text message or a phone call to inform me that payment was not received. Freedom Mortgage DID HOWEVER make NUMEROUS phone calls asking me if I would like to refinance my mortgage. After telling them no multiple times, they continued to call. They left voice messages at times asking me again and again if I would like to refinance. Not once did they call me or leave a voice message to let me know my payment for XXXX was not received. I did not about the issue until I received a letter in the mail on XX/XX/XXXX - after 30 days has passed. 

I have been a Freedom Mortgage customer since XX/XX/XXXX ... 9 years. I have NEVER missed a payment or been late on a payment. I do not believe Freedom Mortgage provided me an opportunity to address this issue and that is why I am disputing this issue.

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 2021-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
Refinancing a mortgage at Freedom Mortgage XXXX XXXX to lower the rate. I sent all the mortgage information to a loan officer named XXXX XXXX at Freedom Mortgage. He talked to me about the loan so I sent him all the documentation requested. When I didn't hear from him, I tried to call him back and kept getting his voice mail. I didn't get a response when I left messages. When I tried to call for a different loan person they kept transferring me to XXXX because he was shown as working on my loan. I finally had someone that put me through to XXXX and was told he only had a certain amount of time for each loan and so he had to close my loan. I gave up on trying to go through Freedom because I couldn't get a different person to process the loan. 

I decided to go through XXXX XXXX. They requested the final payoff and didn't receive it. On XXXX I called Freedom and was told they couldn't see the request from XXXX and I should just request it because it would be faster. I did the request and within seconds of that, the loan person at XXXX said they finally received the document. I cancelled the request and was told the {$30.00} would take a few days to reverse. On the 26th I called Freedom because the {$30.00} charge still hadn't been removed. I was told that the final payoff that XXXX requested was at the bottom of my statements list and I could just call it up and print it. When I told them I couldn't see it they offered to send me a copy and they said it was complimentary especially since I couldn't see it on my list of documents. I said I really didn't need it because all the paperwork was already done for the new loan. They said it wasn't a big deal because it was just a matter of going to my email and no cost involved. When I closed there was a charge from XXXX for {$30.00} for the final payoff. I logged in to Freedom to make sure everything had been paid off on XX/XX/XXXX and found they not only didn't reverse the {$30.00} charge on XXXX XXXX but they also charged me an additional {$30.00} on XXXX XXXX. I wrote to their customer service and they didn't feel it was an issue. If someone can go through their recordings it will show everything I am saying. It is ridiculous to pay 3 times for the same 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