vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Consumer Portfolio Services, Inc.
State: DE

Complaint narrative:
Cps consumer portfolio services XXXX XXXX XXXX XXXX ca. XXXX ( XXXX ) XXXX has not been reporting my payments on my credit report! I have had the car for 5 years and of course hit bumps in the road as life goes! I have been paying reaccurring payments since XXXX none showing in my report! Even the late payments are not reported from last year during the pandemic. I went to purchase a new car due to the mileage and age of the vehicle and I was denied because it looks like I make no payments on my loan. Also the payments that I pay are all going to interest when all the interest is paid up. I will never get out of this car or have a good report due to their lack of stability and business

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: BSI Financial Holdings, Inc.
State: NJ

Complaint narrative:
Dear XXXX, Thank you for your attached response letter dated XX/XX/2021 to CFPB Complaint # XXXX. 

What is the basis for your advisement as to the Counsel of the Trust, XXXX XXXX XXXX XXXX being : XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Thank you for the information to the link regarding the role of the Trustee. 

The Role of XXXX XXXX XXXX XXXX XXXX XXXX has the following responsibilities : Holds an interest in the mortgage loans for the benefit of Investors Does not initiate, nor has any discretion or authority in the foreclosure process Does not have responsibility for overseeing mortgage Servicers Does not mediate between the Servicer ( s ) and Investors in securitization deals Does not manage or maintain properties in foreclosure Is not responsible for the approval of any loan modifications All Trustees for XXXX transactions, including XXXX, have no advance knowledge of when a mortgage loan has defaulted. Trustees on XXXX transactions, while named on the mortgage and on legal foreclosure documents, are not involved in the foreclosure process The Trustee does not have an economic or beneficial interest in the loans and has no authority to manage or otherwise take action on the loans, which is reserved for the XXXXervicer.

The link you provided reads as follows : The Role of the Corporate Trustee As Trustee, XXXX has the following responsibilities : Holds an interest in the mortgage loans for the benefit of Investors Does not initiate, nor has any discretion or authority in the foreclosure process Does not have responsibility for overseeing mortgage Servicers Does not mediate between the Servicer ( s ) and Investors in securitization deals Does not manage or maintain properties in foreclosure Is not responsible for the approval of any loan modifications All Trustees for XXXX transactions, including XXXX, have no advance knowledge of when a mortgage loan has defaulted. Trustees on XXXX transactions, while named on the mortgage and on legal foreclosure documents, are not involved in the foreclosure process The Trustee does not have an economic or beneficial interest in the loans and has no authority to manage or otherwise take action on the loans, which is reserved for the Servicer. 

What authority if any does XXXX, D/B/A XXXX not in its Individual Capacity But Solely as Trustee for the XXXX XXXX XXXX XXXX have under the Trust Agreement. 

Please advise. 


Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Berlin-Wheeler, Inc. (Kansas)
State: LA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA. XXXX Re : Acct # XXXX Berlin-Wheeler , Inc . 

To Whom It May Concern : I am writing to request an investigation regarding account number XXXX. In response to my first notice dated XX/XX/XXXX, to collect a debt from Berlin-Wheeler, Inc. , I issued a debt validation letter to a Berlin-Wheeler, Inc to dispute the account that reported a {$200.00} fraudulent high balance on my credit report. Payment of {$100.00} for the account was credited on XX/XX/XXXX and was made directly to XXXX XXXX. As a result, the account balance was reduced to {$79.00}. On XX/XX/XXXX, a payment of {$92.00} was posted and paid directly to XXXX XXXX. Payment cleared both the {$79.00} balance and the {$13.00} collection agency fee. 

Moreover, the collection agency attempted to collect {$30.00} and {$170.00} when the balance owed to XXXX XXXX was only {$79.00}. Berlin-Wheeler, Inc. , instead of correcting their records, attempted to collect money they were not owed. In my opinion, XXXX XXXX and Berlin-Wheeler Inc. are engaging in a Ponzi scheme to earn kickbacks by referring their customers to their personal collection agencies after they have made a good faith attempt to pay the cable bill. XXXX XXXX shows no regard for their senior citizen customers, who live on a fixed income, who are XXXX years old. 

In addition, seven days after I attempted to make good on paying the account in full on XX/XX/XXXX, XXXX XXXX sent my account for collection without due process. The actions they took were unjustifiable in light of my payment to the account in full the same month. According to public records, Berlin-Wheeler , Inc. 's license was revoked on XX/XX/XXXX, by the Secretary of State for the State of Louisiana. There is no record of reinstatement of the license after that date. It is against the XXXX to engage in deceptive business practices such as these. The company needs to be investigated for poor billing practices, profit-driven behavior only, failure to register with the Secretary of State for the State of Louisiana and violation of the XXXX. 

Respectfully, XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Louisiana Attorney Generals Office Cc : XXXX XXXX XXXX Cc : Congressman ; 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 explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I frequently get calls from a place called XXXX XXXX with different phone numbers. Today this XXXX person claimed to be calling on behalf of one of my creditors. I told him clearly that I would not be speaking with him at all, but he ignored me and continued to try to confirm my personal information before I hung up.

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 2021-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
Hello, CFPB : In XXXX of 2021 I made an extra principal payment that my mortgage company, PennyMac Mortgage Services, LLC mishandled. I was charged an extra interest payment and an extra escrow payment and my principal balance was incorrectly calculated.

I have contacted the mortgage company, PennyMac, who have told me that they will " correct '' the problem. However, I felt that their response was weak and non-specific, and when I asked for the address of the Consumer Financial Protection Bureau, the agent said he did not have the address and had never heard of the agency.

In addition to the misapplication of my principal reduction payment, which was erroneously applied to my account and did not reduce the principal that I owed to the correct amount, I have had trouble for the past several weeks accessing my account online, because the PennyMac website fails. After I enter my user ID and password, I get a screen that says, " Sorry! we're currently under maintenance. Our team is working quickly to bring the site back online. We apologize for any inconvenience. Please try again later. Thank you for your patience. '' This problem has existed for at least three weeks, and it makes it much harder for me to determine what is going on with my account. When I asked the PennyMac customer service agent if he could give me an estimate for when the website would be fixed he could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Good day, I sent a XXXX  payment to wrong recipient by accident back in XX/XX/2021. I reached out to the person, and they informed me that they reported to their bank that those funds were not theirs. I filed a claim with my bank chase to get back those funds. And they said that there was nothing they can do about it, that the recipient never returned the funds. Thats not true the recipient sent me a screenshot when the funds were reversed from his account. I do not understand why my bank has not helped me retrieve my money, when there is a clear paper trail, and the recipient didnt take the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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:
Hi I wanted to know if you all can help me. There are still some accounts on my credit showing that are not mine. Im doing this on my own. Some of the accounts did come off and some inquiries but some did not XXXX XXXX and the inquiries that are not mine are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: PA

Complaint narrative:
Good afternoon to you. I am submitting this compliant to CFPB due to multiple attempts to peacefully resolve this ongoing failure to report and conduct a proper investigation of an account on my Credit Report : XXXX XXXX XXXX. I have made at least 5 attempts total with XXXX and Transunion. 

I reviewed my credit report with XXXX XXXX and noticed a discrepancy on my account in terms of payment with XXXX XXXX XXXX from the period of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as well a issue of double reporting with XXXX XXXX between the period of XX/XX/XXXX and XX/XX/XXXX. I enclosed documentation and contacted furnisher XXXX XXXX XXXX to make a request of requesting Credit Dispute Response from XXXX and Transunion showed multiple inaccuracies on my credit report stemming from XXXX not reporting XXXX, XXXX, Terms, payment history as well of personal identifies : Previous address, Phone number, and Scheduled Payment. On Transunion 's end there were multiple errors as well I pointed out from Inaccurate phone number, Previous Address of XXXX XXXX XXXX XXXX XXXX, PA XXXX does not exist, and the most blatant FCRA violation on the Credit Responses on multiple times from Transunion did not show no notice of Transfer Status which is an automatic violation to have this negative account to be removed from my credit report. I also enclosed these responses from Transunion and XXXX to Transunion to show clear factual evidence of XXXX XXXX XXXX employee, XXXX XXXX reporting inaccurate information multiple times. If the furnisher is supposed to report complete and accurate information to all vendors consistently and it appears this is not the case. I am formally requesting my only remedy is to have this negative account removed from my credit report. I will not accept no other remedy due this is impacting my credit worthiness.

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 2021-09-10 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:
{ ACCOUNT NAME : XXXXXXXX XXXX XXXX 
ACCOUNT NUM:XXXX ACCOUNT TYPE : CREDIT CARD ACCOUNT BALANCE : {$160.00} ACCOUNT OPENDEDXXXX Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a f ormal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I purchased XXXX of AMP coins on XX/XX/2021 The XXXX was pending until today. The money is gone and I never received the coins. I've tried resolving the issue with the company but their help center is automated and throws me in loop. I can't reach them for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: CA

Complaint narrative:
I was a victim of identity theft. I went and paid off the collection even though it wasn't me that open that account. It drop my credit score by XXXX points. Even after I paid of the collection which wasn't mine. The credit score remain the same. XXXX Experian

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 2021-09-10 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: PA

Complaint narrative:
On XX/XX/XXXX I sent EXPERIAN a certified letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded online - even though I had sent them a certified letter - that " The company that reported the information has certified to Experian that the information is accurate. '' The company they are referring to - per their website- is XXXX. I then went directly to XXXX to dispute this item. They could not verify this item so they deleted it from their data base and my credit file. I then sent EXPERIAN another certified letter on XX/XX/XXXX which they received on XX/XX/XXXX showing them proof that XXXX ( see attached documents ) had removed the unverified bankruptcy and informing them that if they could not reveal how they verified this item, then it must be removed from my credit report according to the FCRA. 

This unverified item needs to be removed from my credit report immediately as it is causing me financial hardship and impeding my ability to purchase a home.

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 2021-09-10 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 noticed a public record on my report. I sent Equifax a letter asking how did they receive the information they stated per a third party vendor XXXX they also stated if I wanted to dispute the issue to dispute it with XXXX. I did dispute the public record ( bankruptcy ) it was deleted from my XXXX report. I sent Equifax a copy of the deletion letter from XXXX who they stated was their furnisher. They still refused to delete the public record after I followed the step and had it removed. If XXXX removed it and is the furnisher of the information they should remove it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: Self Financial Inc.
State: VA

Complaint narrative:
Hi, I am very upset you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent several letters, it's been over 60 days. I need these accounts deleted or updated. These are the items I demand be deleted immediately : XXXXSELF/opened XXXX $ XXXX reporting twice misleading false reporting unverifiable and inaccurate reporting. This account is a duplicate which is a FCRA violation XXXX : Date of inquiry : XX/XX/XXXX XXXX  : Date of inquiry : XX/XX/XXXX XXXX XXXX {$8500.00} XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BOEING EMPLOYEES' CREDIT UNION
State: CA

Complaint narrative:
Boeing Employees Credit Union. I before application if the inquiry to XXXX would be " hard '' ( visible to other creditors ) or Soft ( visible to only consumer ). I was told all credit or XXXX inquires related to opening a checking account would be soft in nature. However, when I pulled my XXXX report I saw a hard inquiry date XX/XX/2021. Therefore their representative misinformed. I'm planning to file a police report to have the inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Coinbase pro listed a coin whit the wrong price, then after i bought it the change the price and my money was gone total amount lost {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
MY XXXX XXXX ACCOUNT IS OPEN AND I HAVE BEN MAKING PAYMENTS, THIS ACCOUNTT IS REPORTING IN BANKRUPTCY.

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 2021-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have sent FIFTH THIRD BANK a letter of validation on XXXX, they failed to verify the debt in 30 days, i demand to comply. by law this account must be removed if they cant provide proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
XX/XX/XXXX I bought Shiba inu coin when it was listed. The price I was charged for the coin was much higher on their exchange. Today XX/XX/21 they changed the price causing me to lose money. They incorrectly charged me an inflated price and now theyre pocketing the difference many people and I paid. I purchased around {$800.00} worth of the coin and after they changed the value my value dropped to about {$85.00}. Completely scammed and that money is being pocketed by them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.

Company response to consumer: Closed with explanation