vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-01 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
My father passed away on XX/XX/XXXX. I petitioned the court to be named as personal representative, effective XX/XX/XXXX. On XX/XX/XXXX, I called PHH Mortgage to inform them of my dad 's death. They asked that I email them the death certificate, documentation from the court and a written statement outlining our intention for the property ( we intended to sell ). They requested that we email the documentation to : XXXX. I called back one week later on XX/XX/XXXX to inquire if my documents had been received and what the payoff balance of the loan was. After waiting on hold for over 20 minutes, I was rudely told that the processing time to read emails on their end was 15 business days. When I asked to speak to a supervisor, I was told that there was no one available to speak to me. I then asked if I could receive a call when my paperwork had been received, but was told that I would have to call back, wait on hold and then inquire if my information had been received after the 15 day mark. 

I called back two more times ( after the passing of the 15 business days ) and the first time my call was dropped after holding, and then when I called back the call center was closed. The second time I was told that my information was not 'in the system '. On XX/XX/XXXX, I again emailed the documentation to two different email addresses ( XXXX ) and ( XXXX ) for a total of four separate times. I have never received an email or call back from PHH at any point. I also was not able to receive the exact pay off amount on the loan since my initial request on XX/XX/XXXX. 

On XX/XX/XXXX the title company working with me to sell my father 's home alerted me that they did not receive timely responses, including the pay off amount from PHH Mortgage. The title company reached out to me on XX/XX/XXXX and stated that closing could be delayed due to the lack of response from PHH Mortgage. The title company also stated that the experience working with PHH was among the worst of any mortgage company due to their failure to answer questions and provide information in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp.
State: NY

Complaint narrative:
I was violated by XXXX XXXX XXXX XXXX. During the year of XXXX  as I was attempting to entering a transaction for a sale of a property. I was informed of a lien on the property by XXXX XXXX XXXX XXXX, for the amount of {$38000.00}. Exhibit A provided show how I was violated by XXXX XXXX XXXX XXXX, pursuant to the fdcpa. Violations 15 USC 1692a ( 5 ) ( 6 ), They alleged I was the consumer of the debt also they were/or is acting as debt collector even though they are a law office. Violation 15 USC 1692b ( 5 ) Not use of language that indicates that the debt collector is in the debt collection business. Violation 15 USC 1692e ( 1 ) ( 2 ) -- False representation that XXXX XXXX XXXX ARE affiliated with the State of New York. Violation 15 USC 1692 ( 1 ) ( 2 ) XXXX XXXX XXXX reported inaccurate and negative on my credit reporting file, that made it hard to obtain credit. Violation 15 USC 1692h and Violation of 15 USC 1692j. Violation 15 USC 1692d ( 1 ) ( 2 ) obscene language and threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
In XXXX of 2020 I was put on a trail payment program. I made 3 payments and the bank kept my money. They denied the loan modification and never refunded my payments. Now they want to take away my home. How could they foreclose while collecting and keeping my payments I believe that is illegal. 
See attached proof that payments were received from the bank and their attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: CA

Complaint narrative:
I spoke to XXXX in the account collections department. He told me the accounts are closed and charged off. He said that happens when we can't collect on a debt so we write it off. I asked why are the fraudulent accounts still on my report and why are you asking me to pay something in order to change the status of the two accounts. XXXX said, our system shows that " someone '' using your likeness in California attempted to use the account. He said this information is from a different department outside his pay-grade. XXXX said although you have not worked in the US since XXXX, someone obviously used your information to open this account. He said I want to help you so if you just pay something this matter will go away. I told XXXX I will not pay and any charges and use of my name, likeness or social security number is fraudulent. XXXX said they will continue to report the accounts as a negative items and will update it as such going forward unless I agree to pay something. I told XXXX absolutely not. Especially after knowing the account was listed as a charge-off and US bank still wants something. I asked how is that helping the situation when you refuse to hear my concern? XXXX said I'm only in collections. I believe what you're saying but this is my job, to try and collect.

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 2021-06-01 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: MS

Complaint narrative:
XXXX XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

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 2021-06-01 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: MS

Complaint narrative:
Experian, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

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 2021-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: VT

Complaint narrative:
I requested my credit report in XXXX of 2021 and when I viewed them I found a collection on my credit. This is not my debt to owe. When I contacted Resurgent Receivables LLC on XX/XX/2021 which was the initial contact, they did not send me a written notice within 5 days. I had to write them a letter on XX/XX/2021 needing them to validate the debt. Furthermore upon reviewing the debt that is not mine, there seems to be interest and other charges tacked onto the amount owed which also does not follow FDCPA. I was never once contacted about this debt. See section 808 ( 15 USC 1692f ) and 809. Validation of debts ( 15 USC 1692g ) on why this company does not follow FDCPA. I need this debt to be removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: FL

Complaint narrative:
I have disputed this account three times with Experian and they have came back and stated the information was accurate. I requested information from the creditor and although I did not receive the proper validation, I did receive a statement that shows a different amount owed other than what's being reported.

I have informed Experian that the information is inaccurate and have violated the FCRA because they have failed to correctly verify and remove the account.

XXXX XXXX XXXX  with original creditor XXXX XXXX XXXX reporting as {$5300.00} when the statement received from them states {$3700.00}. 

I did attach the statement given to me for their viewing.

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 2021-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I hope all is well.. 

I would like to state thank you very much for giving me a credit card with your company for all these years. Its very much appreciated. The first time in all the years I have had my credit card during the pandemic of the Corona virus I was late a couple times for the first times. I really do apologize my hours were reduced and I had a baby as well. It will not happen again because Im back working my regular hours and my newborn and son are in daycare while I work or my mothers watches them. Im about to pay the card completely off and as a courtesy can you please take off all the late fees that occurred because it was the pandemic fault. This will help me out a lot, I really do apologize this my first time being late a couple times ever since I started with the credit card. Please take all the late fees off. I will be paying the credit card off in the next couple of months. I really need the late fees off it will really help me. Thank you very much. Have a wonderful day and please be safe. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I hope all is well.. 

I would like to state thank you very much for giving me PayPal credit with your company for all these years. Its very much appreciated. The first time in all the years I have had my PayPal credit during the pandemic of the Corona virus I was late a couple times for the first times. I really do apologize my hours were reduced and I had a baby as well. It will not happen again because Im back working my regular hours and my newborn and son are in daycare while I work or my mothers watches them. Im about to pay PayPal credit completely off and as a courtesy can you please take off all the late fees that occurred because it was the pandemic fault. This will help me out a lot, I really do apologize this my first time being late a couple times ever since I started with the PayPal credit. Please take all the late fees off. I will be paying PayPal credit off in the next couple of months. I really need the late fees off it will really help me. Thank you very much. Have a wonderful day and please be safe. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: IL

Complaint narrative:
A company called my husband and I about applying for a loan after we were trying to apply with a different company who we trusted, we are first time home buyers and had no idea what was happening, a woman answered and connected us to an agent and the agent made us pay {$500.00} to lock in a rate they never disclosed to us that the {$500.00} was not refundable if we did not close the loan with them. They said it the disclosure was listed when we entered in the payment information though I never saw that and they never pointed it out verbally. When I asked them for the money back they refused.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I received an email to my work email from an account that said it was my boss. He asked for my help on a task and for my phone number. I gave him my phone number and he texted me from the number XXXX. He asked me to purchase XXXX XXXX XXXX on his behalf. I purchased nine, {$200.00} on his behalf. I then found out that this wasn't my boss and that this was a phishing scam. My bank has rejected my fraud claim twice and has refused to give me the {$1800.00} back. When I realized this was a scam, People 's said that they could not because my ID from when I opened the account in XXXX ( my passport ) was expired, even though I provided People 's with my up-to-date passport back in XXXX when I got a new debit card from them. When I realized this was a scam, the charges were also still pending on my account. However, People 's refused to take any action on these pending charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi I was woking with my bank to start the process to get a house and saw alot of inquiries that were not mine. I filed a compliant with the FTC and I spoke with the bureaus and no help. I was told I can reach out to you all for help with this. I am doing this on my own and need help. I have listed all the inquiries on the attached FTC report.

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 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi I was woking with my bank to start the process to get a house and saw alot of inquiries that were not mine. I filed a compliant with the FTC and I spoke with the bureaus and no help. I was told I can reach out to you all for help with this. I am doing this on my own and need help. I have listed all the inquiries on the attached FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I applied for paypal credit through XXXX because it was an option. Once I was approved for a XXXX credit score I could not used the card because it showed the purchase as being to risky. So I ran my credit which hurts my score for a card that I only got for this purchase because my phone is taking a XXXX on me. I think the fact that they are on XXXX XXXX but wont let a purchase go through is misleading and causes people to run their credit for no reason. I would have never run my credit had I not been able to use it.

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 2021-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Hello. 

my problem is since XX/XX/2020 with this company. 

Me account is ( block, rectricted ) Me account is under review. 

I use this website 1 year or more and i have level 2 verify identity, but now i can use me account. 

Company is Coisnbase.com for trade, sell and buy criptomonedas. 

I send them a lot of tickets without reply.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-01 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Ive called an talk with customer services since XX/XX/2021 an was told my account is paid in full an that they would update it on 3-5 business days. On XX/XX/2021 I received a congratulations letter Indicating that I paid my account in full. When I dispute the balance on my credit report it came back indicating that I owe the balance an that the information is correct when its not correct. I paid the balance in full an I have proof an I want the information corrected.

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 2021-06-01 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: FL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 35 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 35 days gives a reason to immediately remove those items from my credit report. Its been over 35 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
attempting to fax in credit card statement reflecting a fraud charge on my account. 

i faxed in my statement on the following dates : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX all sent to the fraud department fax number of : XXXX XXXX XXXX we are at the point to where my bank is telling me i need to fax in my statement yet another time. how am i suppose to feel about faxing it in again if they did not receive it the first 5 times. This is the first time I am ever claiming fraud with my bank and this is the treatment i am receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Dear Sir / Madam, I initially learnt about a Cryptocurrency called XXXX XXXX XXXX XXXX XXXX I may have purchased approx. XXXX XXXX or more through XXXX, It showed that the number of my coins increased in amount to XXXX, when I continued to make purchases it showed a different XXXX with number of coins at XXXX, the total value keeps fluctuating based on the value of the coins at currently shows approx. XXXX but when i try to exchange or swap the coins for USD it only shows/allow to me to exchange XXXX, worth approx XXXX currently, I want to be able to withdraw the entire value of my portfolio and earnings otherwise I believe this is a pure scam on a legit company like Coinbase to allow these coins to be stored on their XXXX. Please help urgently and advise before my money completely disappears. Thank you and Sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). This will make a negative effect on my credit transactions. That's why I want this to be taken care of.

Company response to consumer: Closed with explanation