vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-21 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: MS

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
Following up on my original complaint # XXXX, which Mr. Cooper failed to address and which the CFPB merely closed with no resolution .... 

Mr. Cooper continues to refuse to make any accommodation on our mortgage. We are currently in the short sale program, which Mr. Cooper insists must be run through XXXX. This appears to be a delay tactic rather than a solution. 

Mr. Cooper continues to ask for the same documents that we have sent them more then 6 times in the last year and is utterly refusing to consider numerous short sale offers that would resolve this debt. 

I am attaching an example of the correspondence between Mr. Cooper and myself ( the borrower ) showing their utter inability or unwillingness to process a short sale request. They have ignored ongoing inquiries and offers submitted by my realtor. 

They failed to address the deed in lieu I requested beginning in 2019 and due to Mr. Cooper 's delays, the USDA has rejected the deed in lieu solution for not being timely requested, despite the fact that I requested it in time. Mr. Cooper ignored my requests until the request was no longer timely. 

Now they are refusing to process short sale offers, by recycling the same questions and requests over and over again through a never-ending cycle of hiding behind underwriting as an excuse not to consider reasonable offers on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
TransUnion is terrible!!!!! On XXXX I attempted to lift my credit freeze via TransUnion 's website. I got an error message directing me to call customer service. Over the next 1.5 hours I called 4 times. Each time the person on the other end of the line spoke poor English ( I've lived overseas and am sympathetic to those speaking a foreign language but TransUnion 's employees were nearly unintelligible ). Each time they assured me that my freeze was lifted. All but the last time, it didn't work. After the 4th attempt, my creditor ( XXXX XXXX  XXXX ) showed the freeze was lifted but there was no credit score. Only 3 previous addresses. I'm XXXX yrs old, have a mortage and credit cards. I'm sure there is a score there. When I tried to access my credit score on my computer, just now on TransUnions 's website, it gave me an error and asked me to call their customer service. This is unacceptable.

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 2022-01-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
XXXX, loan servicer indicates resuming payments after Covid 19 hardship forbearance is not an option on USDA GUARENTEED 502 loan due to USDA guidelines, however CARES Act Forbearance Fact Sheet for Borrowers with FHA, VA, or USDA Loans Announcement says : USDA XXXX XXXX XXXX Guaranteed Loan MortgagesHide USDA XXXX XXXX XXXX does not require a lump sum payment at the end of the forbearance. 

If you can resume making regular payments your servicer or lender should either offer an affordable repayment plan or term extension to defer any missed payments to the end of the loan. If you are unable to resume making regular payments, your servicer or lender should evaluate you for all available loss mitigation options. 

Upon completion of the forbearance, the lender shall communicate with the borrower and determine if the borrower is able to resume making regular contractual payments. If so, the lender shall offer the borrower a written re-payment plan to resolve any amount due or, at the borrowers request, extend the loan term for a period that is at least the length of the forbearance. 

Visit USDA XXXX XXXX coronavirus website for more information on forbearance for USDA guaranteed loans. 

PennyMac indicates precovid delinquent however no indication or notice of payment issues provided by pennymac allowing the opportunity to address. Account reported as current to credit bureaus XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX prior to pandemic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Im contacting you regarding predatory behavior of NewRez /Shellpoint who fails to provide me with Payment Deferral Option for my covid 19 forbearance payments to be applied to the back of the loan. 

I contacted them numerous times and was promised by their agent to include Payment Deferral Option in the agreement but the agreement was never corrected to reflect this option. 

My Covid 19 forbearance ends XX/XX/22. I am able to resume monthly payments. As of today, and despite of their previous promise, the Servicer declined to proceed with Payment Deferral Agreement ( to Extend the term of the loan for the number of months the loan has been in forbearance ; ) Attached in exhibit A is a public announcement by FHFA stating that the Servicer is OBLIGATED to provide Payment Deferral Option for Covid Forbearance payments. New York State Law 9 ( x ) equally states that Servicers are obligated to defer Covid 19 forbearance payments to the back of the loan. NewRez/Shellpoint found a loophole not to comply with New York laws ( while servicing New Yorkers ). 
Please investigate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
In XXXX of XXXX I opened an account with Hyundai Capital Amierca to lease a Hyundai XXXXXXXX. Every payment was made on time ( or early ) between XXXX and XX/XX/XXXX. 
In XX/XX/XXXX I received an offer to trade in my lease early with XXXX Hyundai located at XXXX XXXX XXXX XXXX XXXX  NJ XXXX. Part of this deal was that they would make my final payments for the existing lease and I would start a new lease with my next vehicle. We proceeded with the transaction and I began my new lease. 

In XXXX of XXXX I received a letter indicating my payment was late for the existing vehicle. I brought the letter to my dealer and they called up Hyundai Finance and advised me not to worry, their check was sent to them and there is probably a delay. This occurred in XX/XX/XXXX again and I was told the same thing. 

By XXXX of XXXX the creditor had put the account into collections as a chargeoff. I then came into dealership, made them conference call Hyundai Finance and it was at this time the dealer realized they made an error in calculating payoff. They immediately sent the check to Hyundai Finance and the account was closed as paid, with a charge off. 

In the following XXXX years, I returned to the dealer several times asking they contact Hyundai Finance as my credit report was showing XXXX late payments and a charge off. The dealer reached out and was told this information would be corrected. 

This past XX/XX/XXXX, my wife and I began looking for a home and upon checking credit I noticed this issue remained uncorrected. I called all credit bureau 's opening several disputes which all returned without any change. Upon calling the credit bureau 's I was told that I had to write the creditor as they can only report what the creditor agrees to. 

Over the past 4 months I have called and written the creditor only to be told ultimately that while they understand the dealer made the error, they would not update the reporting information as it was " correct at the time ''. I asked if they understood I as the consumer was not at fault and they indicated " yes, we understand, the dealer is, but the information being reported is technically accurate ''. 

As the innocent party, following the direction of the dealership who assumed responsibility for payment, I don't understand how I end up the damaged party. As Hyundai Capital America has refused to make a change, I am requesting your assistance in correcting this information. The attached letter contains account numbers, address 's for relevant parties as well as the dealers own words on the current 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 2022-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I received an email from my bank about suspicious activity on my account. There were multiple attempt to buy bitcoin with my debit card on Coinbase, a company for which I have no account. They tried multiple amounts {$1.00}, {$50.00}, $ {$100.00} .... and the only one that went through was the charge for {$100.00}. I talked to my bank and they said that they could try to get my money back through dispute form but there are no guarantees of actually recovering the funds. I called my states Department of Financial Institutions to also get some advice and was told that the process would XXXX long>. I just thought that this would be a better platform to help. I have tried several numbers and several chat platforms that supposedly belong to the company with no success. Since I don't have an account I can not receive any type of LIVE help. Please advise next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
My car loan stopped reporting in XXXX of XXXX after filing bankruptcy XXXX  XXXX. My bankruptcy was dismissed as of XX/XX/XXXX I have been contacting navy federal since the bankruptcy was dismissed to get my car loan back reporting since it was deleted from credit report. I have had 3 investigations open with the bank on why its not reporting only after being told its been reporting every month. Navy federal assured me on XX/XX/XXXX that my loan was submitted to the credit bureau for reporting I have contacted XXXX and XXXX every signed day since and they advised me once they receive an updated electronically they can see it right away and nothing has been reported to them today is now XX/XX/XXXX XXXX federal says it can take 30 days to show up once reported but the credit bureaus state differently that information is updated once received a d if it was sent electronically they should be able to see it now. This car loan not showing on my credit is damaging to me no one will take my car as a trade In because there is no history of the loan! I have 3 years of on time payments the car loan was open in XXXX of XXXX. The longer this does not report the more my car value will continue to go down and I will be more upside down in this loan. I have made every attempt to rectify this own my own and nothing has been resolved ive spent countless of hours on the phone with navy federal and I am receiving mixed information. I can never get a straight forward answer or resolution regarding this. I should not have to file an official complaint against a bank to have my loan and payment reported its my right to have my information reported correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
When applying for an Apple card, they won't accept a valid and current U.S. passport ( or a military id ), which is the most accepted form of identification in the world. I'm sorry, I didn't fake my passport somehow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: MA

Complaint narrative:
On XX/XX/XXXX, I sent a dispute letter to Equifax about the following accounts : XXXX XXXX ( Date opened : XX/XX/XXXX. Balance {$280.00} ), XXXX ( Date opened : XX/XX/XXXX Balance : XXXX ), XXXX  Date opened : XX/XX/XXXX, Balance : Not reported ), XXXX ( Date opened : XX/XX/XXXX Balance : {$4500.00} ). It's been over 45 days since I sent dispute and they have not answer as they are required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
I found a collection on my credit report. I decided to call the collector and for my surprise this is from a telecommunication company name " XXXX ''. I explained the debt collector that XXXX communication wouldn't send me a box to ship it because it would cost more to ship it than the box was worth. I had the impression they would just credit the value of the equipment and just zero out the balance. The debt collector explained me they did credit, but it is a remaining balance for {$89.00} bucks. I told her I can pay it but due to the miss understanding I would like to request deletion from my credit report, she declined and started to fight with me due to my request. I told her I wasn't lying and since she was very intense, I requested a validation of debt but SHE DENIED TO MAIL THE VALIDATION OF DEBT, she said she won't just because. 

I believe I have rights they should respect, and I have the right to receive a validation of this debt, what if they are just lying to me?? 

Also, there is something called MINI MIRANDA RIGHTS and this debt collector just didn't disclose it. That should be enough to cancel this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

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 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

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 2022-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I initiated a domestic wire transfer from my credit union to CITI Bank. The teller who input the data inadvertently placed an extra 0 at the end of the receiving account number. The receiving bank ( CITI ) rejected the wire and returned the funds, however, they kept {$40.00}. Not only was I charged the wire fee by my bank, but the receiving bank also charged me, all for an error that I didn't make. CITI did not make it known what they charge for incoming wire refunds.

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 2022-01-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: MI

Complaint narrative:
My father died about 4 years ago this was his home and I lived here when he died me and my family moved here. and I got a loan modification which worked until my wife abandoned me and covid 19 killed my business. Midland Mortgage had a suspended payment plan. I signed up the put me on delayed payment very good I lose business have to pay other bills and divorce hurt my income so they take me off of the plan tell me to apply for a loan modification I do from the start to finish this company have not tried to help me its been miss filing info info repeated denial 's and many mistakes i have sent the same proof of income XXXX time so with the latest drama disapproved again the reason this time my income dost match but they never give me a chance to say i can afforded it just constant no and i have recovered some what enough to pay XXXX on my bill and XXXX a month they offer no help for the present situation that is caused by covid. midland mortgage engage in under handed tics to take homes. i have sent forms such as income verification one after another only to receive no offer I have even ask if i can make a large payment to get help they said no she don't know.

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