vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I have called Nationstar/Mr.Cooper mortgage company on several occasions trying to provide a corrected property tax bill ( XXXX ) when I submitted the bill their tax department continues to enter the wrong amount ( XXXX ) which gave me an overage in my escrow account of ( XXXX ). When I pointed this out and submitted the correct tax amount the company stated they would update this to reflect the correct amount. They mailed me a check for the shortage and I explained to them it was incorrect. 

Mr. Cooper rep then stated once I get the check to put the check back in escrow since the correct property tax amount would leave a shortage. The check finally came today on XX/XX/13. the money was refunded back to my escrow account and now the amount for property tax is showing ( XXXX ) AGAIN! this is wrong! it should be ( XXXX ). I have asked to speak to a manager several times to make sure this gets updated with the correct mortgage payment amount so I don't 1.Underpay my mortgage 2. Mr.Cooper sends the 2nd installment of my property tax correctly. 

I need to make sure Mr.Cooper updates my property tax bill correctly with the correct amount and sends the correct amount to XXXX XXXX for ( XXXX ) I have made a total of 6 phone calls so far. I have never experienced such a incompetent mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
It started off in XX/XX/XXXX I deposited {$1000.00} ( one of 5 deposits ) from my XXXX XXXX XXXX to Coinbase & I bought {$1000.00} XXXX XXXX. Even after my bank cleared funds. Rather than XXXX hold and clear funds for 7- 10 days, they held my coins hostage for 21days in some cases. 
I got notification from Coinbase that Attached is the Email Verification. 
Subject line : Your available balance has increased by {$1000.00} USD. Logged in and Money was not there. 
I called their customer support XXXX said the funds would be available XX/XX/XXXX... 
another rep XXXX said the funds were released, Logged into my account XXXX acct. 
and I don't see the money available in my account.The deposit showed up into my account But I NEVER had Access to it ... it Disappeared ..I have called and emailed in almost a dozen times with different case numbers each time. 
Coinbase is always experiencing major outage as crypto prices plummet..and they hold your funds hosttage. 
They holding customers funds without access, causes loss and financial hardship. If your funds are held to clear, and you have no access, how could it loose value? 

XX/XX/XXXX they tried telling me to go and download the PDF history, I did, it shows my deposits BUT cant show the $ $ value of account at or after any transfer transaction in US dollars out of Coinbase..I have asked for them to locate and explainwhat happened in my account and all I get is look at the PDF It reflects $ amts when Bought but does not disclose the $ value when sent.So customers are at a loss.

By the way I only had access to {$4000.00} of the {$5000.00} I deposited Within XX/XX/XXXX to XXXX a $ XXXX XXXX acct lost $ XXXX? 
Also Coinbase holds our Coins eg. XXXX for unreasonable amount of time even when the banks shows funds are cleared. Customers are not able to access coins to trade to avoid market drops, causing hugh loss.They need to restore my Funds and other customers as well. 
All I want is them to stop cheating, holding our funds Hostage and refund mine and the many customers that has lost $ $ with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
After a careful and extensive investigation this debt does not belong to me. The company attempting to collect this date is not licensed to collect in the state of Florida and can not legally collect debt on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
1.Hi, I can't believe 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 a letter, it's more than 60days

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 2022-07-13 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following have violated my rights. XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX  XXXX account # XXXX XXXX  account # XXXX XXXX  XXXX account # XXXX XXXX  XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX  XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-13 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am filling this complaint against all three credit reporting bureau ; EXPERIAN, XXXX, AND XXXX for willfully furnishing inaccurate information to my consumer report. According to Congress, the banking system is dependent upon my consumer report being fair and accurate, and it is not. I have been in correspondence with XXXX XXXX XXXX regarding an account in collections. As of XX/XX/2022, XXXX XXXX XXXX has notified me that they have notified the credit bureaus to delete their tradeline ( SEE EXHIBIT B ). It is XX/XX/2022, and these collections are still reporting across all three credit reporting agencies ( SEE EXHIBIT A ). This is unacceptable and this grave error has undermined my confidence in these companies ' procedures. Not only is this inaccurate information cause my credit score to be decreased, it is INACCURATE!!! This is hindering me from acquiring property and services. This is extremely stressful during this COVID 19 pandemic. As a result of this, I will no longer be extending credit and if this negative information is not removed IMMEDIATELY, I no longer want my information reported in these companies ' databases. And I am fully aware that I have the right to opt out, which disclosure was never given to me ; another violation of my federally protected rights as a consumer. These companies did not exercise their grave responsibilities with fairness and impartiality. Congress has also made it abundantly clear that consumer reports should not include transactions between the consumer and the person making the report and the FTC defines collections on consumer reports as DEBT PARKING. This account should have never been reported to my consumer report in the first place. At this point it's WILLFUL NONCOMPLIANCE. Attached are also my utility bill and drivers license for identification purposes. Prompt response to this grave matter is requested and required.

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 2022-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: FL

Complaint narrative:
Re : BSi Financial. Loan # XXXX From day one of my refinancing ( I never chose them but I've ended up with them ) there are major shady things happening. First payment was XX/XX/2022. I setup my mortgage payment on auto pay via my bank 's checking account in this XXXX, 2022. 

When I say I emailed them about it I also have screencast videos to prove all that. 

XXXX. They don't have any option on their website within my mortgage account to control or set my privacy settings. 
I emailed them about it couple months ago but no answer. 

XXXX. There is no way to set up two step verification for security. I emailed them about it but they are not responding. 

XXXX. They are not reporting my payments to credit report agencies. XXXX, XXXX, and XXXX are not seeing nor showing my mortgage with BSI Financial. As if invisible. No mention of my mortgage whatsoever. 

XXXX. In XX/XX/2022, i setup the auto pay for bi weekly payments. They sent confirmation letter on XX/XX/2022 ( attached ) and I also have video evidence of my settings etc. 

BSi, switched to one monthly payment against my will and opposite of my confirmed settings. It also appears that one payment wasn't made. 
I called BSI ( recorded conversation ) in XXXX to complain and demand they switch back to biweekly payments. 
Person on the phone said they have that fixed and they will email me with confirmation. Month later it's not fixed and no emails or letters from BSi received. 
I contacted BSI again via my online mortgage account : XX/XX/2022, I sent them an email ( video evidence on file ) from within my online BSi mortgage account. 
I've demanded that they make my mortgage payments bi-weekly per my settings and I've requested confirmation response in writing via email or US mail. No response. I also requested that they report my correct payments to credit agencies. No response. I also requested that they let me know where can I edit my privacy settings and if they have a way to activate 2FA ( two factor verification ) for login to my BSi account for security. No answer. 

Quick search online and their reviews are horrific. 

I am very concerned about my reputation and credits score that is likely being sabotaged by BSi Financial aka Servis One Inc. 

Please let me know if you would like to see the videos and let me know what I can do to make them stop the sabotage. It's a major sabotage of my time and health in addition to credit and reputation. 

I've already sent this videos to BSI but I received no response from them. 
They are ignoring me. Hence, I have no choice but to file the complaint. 

https : XXXX https : XXXX https : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
1.Hi, I can't believe 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 a letter, it's more than 60days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
1.Hi, I can't believe 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 a letter, it's more than 60days

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 2022-07-13 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: NJ

Complaint narrative:
Experian has violated my protected federal consumer rights on multiple occasions and instances. Referencing Account # XXXX, from XXXX & XXXX, this account was resold 3x to 3 different collection companies and all updated with different open dates and neither contains the closed date as this is a collection account. ( collection agencies : XXXX XXXX XXXX & XXXX XXXX  ) According to Experian although information is sold between collection agencies the open date/ account date is not to be changed as in making the old debt appear new. This was clear violation when my account went to XXXX XXXX  that had a open date of XXXX XXXX, XXXX then deleted from my account and as of XXXX XXXX it was placed back on my account under XXXX  XXXX  with an open date of XXXX XXXX. As of XX/XX/XXXX the account was again disputed and removed from my report which shows proof that you have been willfully negligent is correcting these inaccurate reports and information. After the information was disputed as fraudulent on XXXX XXXX, XXXX it was removed again on XXXX XXXX. Still without written notice to me the consumer this transaction is negatively affecting. refferencing my report from XXXX XXXX the collection was placed back on my account with another fraudulent open date of XXXX XXXX, XXXX. Not once was i notified nor were there any reasonable procedures maintaned to prevent reappearance to this deleted material persuant 15 usc 1681 I ( C ). This information is not only inaccurate but it is fraudulent as well. Also, i never gave experian nor at & t written instruction to furnish anything in my name, persuant to 15 usc 1681 b # 2. It is illegal under the FCRA to furnish information that is knowingly inaccurate and incomplete, persuant to 15 usc 1681 s-2 ( a ) ( b ) ( 2 ). Experian is willfully non compliant and hereby liable persuant to 15 usc 1681 N & 15 usc 1691 K. This XXXX XXXX XXXX  account has been deleted and reinserted without written notice given to me a total of 6 times. these multiple occurrences and reinsertions prove that this wasn't a mistake or unintentional. The law is very clear as to the civil liability and remedy available to me for negligent noncompliance.

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 2022-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc.
State: FL

Complaint narrative:
After further investigation this debt does not belong to me, also the company attempting to collect the debt is not bonded to do so in the state of Florida and not legally able to collect the debt on my credit report

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: IL

Complaint narrative:
On XX/XX/XXXX I received a notification of several new hard inquiries on my XXXX, and Equifax credit reports. The inquiries were listed as follows : XXXX reports inquiries from : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX Equifax reports one inquiry : XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX After checking my credit reports with both companies, speaking with their consumer service agents, as well as contacting the companies that performed the inquiries, I found that both agencies had incorrect SSN, Name, address, birthdate and other personal information listed on my report. From speaking with XXXX XXXX and XXXX XXXX I learned that the credit checks were performed for the individual whose name, address and SSN have all been erroneously listed on my report. 

I have disputed all of this information with both agencies. 

I have just received official notice from XXXX in the mail today showing the revisions they made due to my dispute, yet the incorrect name is still listed, as are the inquiries. As of now, Equifax has also investigated my dispute and upheld the inquiry as factual, and will not remove it. 

This issue with XXXX has been going on for over five years, as sometime around XXXX I had an extended dispute with them to remove outstanding debt records that belonged to this other person who XXXX keeps reporting on my record. At the time I believed it all to be settled, and hadn't checked back in as there hadn't been any new issues until this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I do not know if I clicked on the correct description, I assume the Debt was mine but the remaining balance Past Due, is not mine .My Credit Report shows my CAPITAL ONE Account Closed XXXX XXXX, XXXX and paid .and " Charged Off ''. Credit Report shows at the time A Credit Line {$1900.00} ( XXXX, XXXX ) Balance in XXXX is now {$1900.00}. I do not have a Credit Line with XXXX XXXX .Payments to XXXX XXXX XXXX is {$20.00} a month. Stating on " Statements '' if Debt is not paid, " Attorney will be retained and I will be taken to court '' My XXXX Credit Report shows CAPITAL ONE DATE : XX/XX/XXXX STATUS : XX/XX/XXXX REPORTED : XX/XX/XXXX LAST REPORTED DATE : XX/XX/XXXX I would assume the Reported Date would be XX/XX/XXXX, XXXX years difference. ( Am I correct? ) Shows " Recent Balance '' $ XXXX XXXX XXXX. $ XXXX XXXX $ XXXX XXXX XXXX 
Credit Report XX/XX/XXXX 2022-PAYMENT HISTORY-No payments have been reported on this account. ( {$1900.00} XXXX XXXX XXXX ) If there is No payment History please explain the {$1900.00}? If my High Limit was {$2500.00} Highest Bal was {$2500.00}. Does that mean I only spent or made one payment of {$43.00}?? To difficult to come up to a conclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On 2 occasions and most recently in XX/XX/XXXX I have disputed a public record entry of a XXXX  XXXX that does not belong to me with Experian. They are unable to provide me with any contact phone number or address. In XXXX they provided me with a phone number and it was not a valid phone number.

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 2022-07-13 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:
My credit score with Equifax, drastically decreased ( over 100 points ) due to erroneous information on my credit report put on by equifax. Equifax has put the two following lines in my credit report that are negatively effecting my score ( below ). 
-You have too many delinquent or derogatory accounts -The total of your delinquent or derogatory account balances is too high I do not have any delinquent or derogatory accounts. I do not have any late payments either. I have disputed theses items twice with Equifax starting in XX/XX/2022. Each time they agree that I do not have any delinquent accounts promise to fix it in 30 days, but do not fix them or my credit report. 

I have attached the negative items written on my credit report from my login on the myequifax.com website, where I pull my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: HireRight Solutions, Inc.
State: GA

Complaint narrative:
I had a background check through hireright and they said there was a misdemeanor back in XX/XX/2000 in XXXX XXXX. I never lived in XXXX XXXX. my idenitiy has been used and I never gave permission. I am demanding that inaccurate information is removed. It is illegal to put information on my report without my permission and this is ruining my reputation. I only lived in three states.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
a credit inquiry was submitted on my behalf without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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