vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Associated Credit Services, Inc.
State: CA

Complaint narrative:
I feel that they gave me a bad experience and probably lied to me by ... 

Saying that paid in full would do me more good than settle than less than full balance would be more beneficial on my credit report and would increase my points higher, I could say that Im most likely sure that that was a lie. 

Assumed that I did not have money and made me feel bad about it by saying that I should not schedule a payment if I'm not going to afford it, Also at the beginning of the call he said that next time that I call he would not give me the same offer because it was just for today XX/XX/2021 and then he tried telling me that it was better to wait to think about it and then call back whenever I had money next week ( in other words trying to make me lose the settlement and trying to charge me more next time that I call ) but I let him know that I noticed that and then after him promising settlement offer until the XXXX he decided to change it to the XXXX of the month leaving me with less time to come up with the funds for the settlement. 

He also tried to force me in to a payment arrangement of the original balance even though I told him plenty of times that I was not able to come up with that much money because of my situation that I also let him know and the previous collector that, Also I fell that he lied about not being able to see the previous collector notes because later on the call he stared to say that he was reading lasts offers on the notes. 

I also tried to be reasonable and think that there was just confusions between me and the collector but as the call continued I knew that it was not a confusion and the collector most likely had no good intentions at helping me like he said.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: FL

Complaint narrative:
On my TransUnion report it states TWO INACCURATE REMARKS I have addressed several times with no response and or correction XXXX XXXX  HELOC XXXX was paid off and should reflect a XXXX balance and XXXX XXXX heloc was re modified into a fixed rate loan and is NOT past due.

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 2021-02-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
i have tried many times times to correct these issues with XXXX  and Equifax many times, i have sent them letters on XX/XX/2021 to dispute this inaccurate information that they are reporting on my credit report and i have not heard from them concerning this matter.I will send this information to my attorney if not responded.i have attached copies of the letter below

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: LA

Complaint narrative:
Coinbase is an online cryptocurrency platform. My account was fully verified with no problems for several months. Suddenly, and without warning, my buy/sell privledges were revoked. When I inquired to Coinbase, they told me - quote : " Coinbase reviewed your account and has determined that you are not eligible to use the Coinbase platform to purchase cryptocurrency or use our deposit services. As such, you are no longer eligible to link any payment methods. We are not able to provide you with any additional information. '' They further stated : " As a security measure, we are unable to elaborate on our internal decision process. This decision remains final and we will not be able to remove this restriction from your account. " If they don't want to do business with me that's fine, but they are holding hostage {$1100.00} that was charged to my bank. They have a {$0.00} " available for withdrawal '' balance. When I inquire they say : " We have not blocked access to the balance currently in your Coinbase account. While we can no longer process brokerage orders via our banking relationship, you may still send your balance to an external address and withdraw any remaining fiat from your fiat wallet to an active linked bank account once your funds are available to withdraw. '' and " You will be able to transfer, sell, or withdraw any balance currently in your Coinbase account. Please note, you may need to wait until funds are available for withdrawal and we will not be able to expedite this process. '' I CAN NOT withdraw my money. It is my money and I want it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Vehicle was turned in at the lease termination date of XX/XX/2020 in accordance with the original lease contract. JPMorgan Chase sent me a bill for {$2200.00} ( Letter dated XX/XX/2020 XXXX representing property taxes owed to XXXX County VA. Five problems result from errors in this billing notice : 1 ) The tax bill submitted to me by JPMorgan Chase associated with the property taxes of {$2200.00} would cover the entire year, not the portion of the taxes I would be responsible for. In my estimate I owed Chase {$930.00} representing the proration of the yearly tax obligation covering XX/XX/XXXX XX/XX/2020. This amount was paid by me on XX/XX/XXXX, following countless phone calls in an attempt to resolve. And while I did not have all of the details associated with the property tax bill, this was my estimate. 

2 ) JPMorgan Chase failed to report the vehicle as being off lease on XX/XX/XXXX ( my end of lease term ) and reported the off lease determination as XX/XX/2020. As a result XXXX county adjusted the original property tax bill to represent a prorated amount to reflect 8 months of taxes due or {$1400.00} ( the math ( ( $ XXXX ) XXXX ) - registration fees of {$31.00} ) = {$1400.00} ). Obviously this is an erroneous calculation and date, as the vehicle was off lease on XX/XX/XXXX, not XX/XX/XXXX. 

3 ) JP Morgan Chase has failed to resolve this issue in a timely manner after multiple attempts covering 5 moths, giving rise to the fact that I may not be alone in how JPMorgan Chase is attempting to overcharge clients for property tax bills for autos coming off lease. Additionally, JP Morgan Chase has no process to correct the erroneous dates and adjust the tax bills with XXXX  County. 

4 ) When Calling JPMorgan Chase they make clear that the call is being recorded for the purposes of collecting on a debt being past due. My debts have all been paid on time, despite JPMorgan Chase indicating the account has been charged off.

5 ) My estimate of taxes owed on the vehicle was actually incorrect, I over paid JPMorgan Chase {$1.00}. If JPMorgan Chase did not give me the runaround for 5 months, I would have dropped the reconciliation issue of {$1.00}.

Since my time is valuable, I want to see the final correct calculations, a refund in the appropriate amount, and a letter from JPMorgan chase indicating my account was always paid as agreed, including at the lease termination date and the account was closed without dispute or any negative information. 

This is not a difficult case, but no one seems to see this as their responsibility to resolve an obvious operational error in submitting the wrong off lease date and billing. After 12 attempts over 5 months, I give up!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I believe the year was XXXX XXXX XXXX accounts have been reported as fraud and they refuse to take them off. 

XXXX XXXX has butchered my score by at least 80 points over the past 3 years by reporting me as 30 and 60 days late in XXXX. 
The credit reporting agencies refuse to remove it. I have proof of payment directly from my account to credit card account.

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 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I believe the year was XXXX XXXX XXXX accounts have been reported as fraud and they refuse to take them off. 

Td bank has butchered my score by at least 80 points over the past 3 years by reporting me as 30 and 60 days late in XXXX. 
The credit reporting agencies refuse to remove it. I have proof of payment directly from my account to credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. SYNCB Inquiry : XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

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 2021-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I bought a set a quilt set on Wayfair.com and was used the Comenity credit card. After I received and didn't like the color of the product, I returned the full set and paid {$12.00} return shipping fee. 

I should have any more balance but they kept saying I owe them something and accumulate late fee and asking for payment. I refuse to pay for something that I have successfully returned and paid return shipping fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a XXXX XXXX XXXX. I had this card since 2017. It is not showing up on my XXXX credit report or Experian credit report but it is on XXXX credit report. I have called XXXX and they informed me numerous times that a report was sent out to the credit agencies, showing this account belongs to you and to please add it to your credit report but again this account is still missing from 2 credit reports/agencies. I have also called and sent letters to XXXX  and Experian letting them know this important information is missing from my credit report but again nothing has been done. I even sent them a statement by mail, from XXXX with my information showing this is my credit card account but still this information is missing from my credit report. It is hurting my credit making my score and credit report inaccurate. I have been sending letters and calling on this matter for 3 years now. Please help me with this problem/matter so all my credit reports can be accurate and look the same.

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 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
Wells Fargo XXXX XXXX XXXX has not reported to credit bureaus for 90 days. I have three accounts that show deliquent that are actually current. I have attempted to resolve this with WF XXXX several times and was told it was fixed and is current. I had a hard pull on my credit report to attempt to get financed for a home loan and was denied because of these false claims that my account is delinquent. I was advised by the mortgage lender to file a complaint if WF XXXX could not repair the credit report immediately. I was told by WF XXXX that someone will be contacting me within ten business days. Meanwhile, the home I was going to buy is under contract with another purchaser, I am on the hook for {$240.00} for attempting to have a Rapid report performed on my credit, which should reflect the changes I was told had been made. I also damaged my credit even further having a useless hard pull on my credit.

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 2021-02-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
this is my 2nd attempt for requesting information from national credit systems regarding this alleged account, I sent a letter on XX/XX/2021 asking for important documents concerning this account and has not received anything for the last two months.i have attached a copy below as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC

Complaint narrative:
I am trying to find a contact to obtain a copy of the Assignment of mortgage from the original lender to you or a satisfaction of mortgage for the lien that is in 1st position instead of the current lien. I am in the process of selling my home and the title search shows that my refinance with XXXX in XXXX of XXXX is in second lien position to the original mortgage obtained in XXXX. The company I originally financed with in XXXX was XXXX XXXX  and they are no longer in business. My loan was then sold to XXXX XXXX, then it sold to XXXX XXXX XXXX. The loan is currently being serviced by Carrington Mortgage. 

I am in the process of selling my home and the title search has shown that this title problem as it is still showing that the original loan in XXXX is still on the county records and there is no assignment of mortgage or a Satisfaction of mortgage filed from XXXX XXXX to o XXXX. I have been working with the Servicer Carrington Mortgage to get this corrected however they are stating they have no records connecting XXXX XXXX to XXXX. However they were somehow able to obtain a satisfaction of mortgage on the 1st lien that was from the original loan in XXXX for a much smaller amount. I have been working on this issue for weeks with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Bank I had taken loan out with recently sold mortgage and Shellpoint Mortgage Servicing is new servicing agent. They asked for copies off insurance and I have faxed them proper papers ( XX/XX/ XXXX  ), then emailed them ( XXXX ) prior papers ( AS SAID NO RECORD ). TODAY I RECEIVED ANOTHER LETTER STATING THEY DID NOT HAVE AND CONTINUE TO THREATEN ME WITH HAVING TO PAY EXTREME AMOUNTS FOR INSURANCE. Shellpoint Mortgage servicing loan # XXXX. I have never had a problem with prior company and have less than 5 years left on mortgage. 

Companies like Shellpoint are praying on the elderly and trying to cause us mental anguish. Obviously they do not have their act together and should be heavily fined and have to provide restitutions to the borrower.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
on XX/XX/ I sent a letter to Equifax at Equifax Credit Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX about two hard inquires which I noticed as unauthorized and fraudulent credit inquiries made by the following companies : XXXX/XXXX &XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX. They did not responded to me within 30 days. Then I sent a 30 to comply letter on XX/XX/XXXX and Equifax has yet to reply to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX account number starting with XXXX is reporting on my credit report and this is not my account. I have tried to speak with the credit bureau but they will not show me proof that the account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
My mortgage servicer - Lakeview LLC said they made the payment from my escrow account of {$2500.00} for my 1st supplemental tax bill on XX/XX/2020. But that payment never made it to the county of XXXX XXXX. I got a delinquent tax bill from the county and I had to make the payment. However, when I speak to to Lakeview llc they said the county will apply the payment to the 2nd supplemental tax bill. I contacted the county and they said they never received the payment. I need the {$2500.00} back on my escrow or refunded to me.

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 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I XXXX XXXX am a victim of identity theft and fraud. XXXX  IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING XXXX  ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. EXPERIAN BUSINESS CRED Inquiry Date XXXX XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

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 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello, I addressed information that I am absolutely certain that does NOT belong to my identity. The following information is completely inconsistent with my actual identity and it needs to be corrected with haste. I want the results shown on the CFPB Portal. If XXXX is confident with their investigation of this, they can also show results in the CFPB portal. Sending the results separate outside the CFPB portal is a stalling tactic and is contradicting. As you can see in your records I have reached out to you countless times, that being said, you can not say you do not know if this is me or a third party, you have the identification you need. You have 15 days to respond, not 30 days if you try to transfer this issue outside the CFPB Portal

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 2021-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STERLING BANCORP
State: NY

Complaint narrative:
Sterling National Bank closed branch due to snow storm & did not reconcile ATM deposits for 4 days. A deposit I did on Saturday did not go into account until Wednesday ... ( although all other businesses opened Tuesdsy ) subsequently they bounced 2 payments and I received a charge from XXXX who I was trying to pay & they would not refund this. 3 calls with hold times of over 2 hours and they will not fix the issues due to their closure. Also the deposit was 1/2 cash with an AVAILABLE valve enough to cover outgoing payments.

Company response to consumer: Closed with explanation