vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

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 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OK

Complaint narrative:
On or about XX/XX/XXXX I submitted a complaint to this agency as well as inquired to my mortgage servicer SPS as to why they filed paperwork to start foreclosure procedures and added that to my mortgage balance on XX/XX/XXXX even though they had given me a letter stating I had until XX/XX/XXXX to make a payment. I also submitted a QRW to them in XXXX inquiring as to why they were sending my payment of {$410.00} back, but did not send my {$4000.00} plus of payment I made all of XXXX even in a forbearance period and during a pandemic. I have yet to receive a response from them regarding either matter. My attorney has attempted to reach out to them with no response as well. We have started bankruptcy procedures. I am a single mother of 3 children and will be homeless. Even though I have been making payments and those payments were accepted and applied even during a nationwide pandemic in which I was impacted. I was impacted during COVID-19 and have attempted to reach out to them. They have yet to respond in writing. When my " relationship manager '' called me I asked her to respond in writing she hung up on me. I have that recording of that call as well and can provide it in a court of law if needed. 

I have also asked them who was the owner of my loan and they insist it is XXXX XXXX, but when asking XXXX XXXX, they say they are not. When I inquire about the mortgage assignment that is attached to my note of a handwritten document that finally attached after they attempt two times before to foreclose without an assignment. They have yet to provide an answer. The notary and the " manager '' who signed that assignment has given testimony and willing to testify in court about that document. The " manager '' says she was never a manager with the company of XXXX who was the original owner of my mortgage. That company went out of business in XXXX but the assignment was filed in XXXX with the XXXX XXXX XXXX XXXX XXXX in XXXX after the company had already closed. And after the date of the proposed assignment. 

I also sent SPS a letter stating that another company sent me a letter saying they had bought my mortgage and I made payments to them. I am not sure if that is accurate as I can not reach them and I am out that money. 

SPS and their parent company XXXX XXXX have been preying on borrowers and the American people for years. Court filing after court filing even with the the Department of Justice can prove that. 

They are not honoring a forbearance and relief period granted by the United States government.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a medical collection bill on my Equifax credit report from some company called XXXX. I have never heard of this company. I don't know what this bill is and I am sure it is not mine. The Company has no information on it's address or phone number. This needs to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have filed several disputes with Equifax for inaccurate tradeline data regarding a closed account and they have not complied with FCRA guidelines on any of their responses nor have they resolved my concerns. XXXX XXXX account is closed/paid, however they are reporting it as OPEN- allowing HISTORICAL ACCOUNT INFO - No terms apply to closed accounts, Date Closed, High Credit, Activity Designator ( drive last state ), Activity Payment Amount, Date of Last Activity, Charge Off Amount, Pay/Balance/Rating is blank. These fields are used to calculate scores. Please resolve this inaccurate account - verification, and your data is driven by FCRA. Please fix/delete. programming to use comments is never done and should not be done as a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Chrysalis Holdings LLC
State: GA

Complaint narrative:
My closing date was XX/XX/24. The Attorney arrived at my home with only one set of closing documents. I asked her about the copy for my records? She stated she only had one copy. I advised her I will follow up with the lender. I then emailed my loan officer who advised me he will send a signed copy once the loan package was received in his office. The rescission period ended on XX/XX/2021 and I have yet to receive a set of documents. I never had the opportunity to review the package during the rescission period. To date I have no idea where to send my payments or anything else for that matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Brightfunders, LLC
State: NC

Complaint narrative:
Referred to Lower.com through lead generation service Bankrate based on my sole interest in a Home Equity Line of Credit ( HELOC ). - XX/XX/21 Connected with Lower.com mortgage broker and/or originator via phone and authorized a soft credit inquiry to discuss available products. XX/XX/21 Pitched a first mortgage refinance + HELOC product by mortgage broker/originator via phone and email. - XX/XX/21 Authorized a hard credit inquiry based solely on my need of and interest in a HELOC ( included in the pitch ), with a secondary benefit of being able to lower the interest rate of my first mortgage in one closing. - XX/XX/21No mention of possible ineligibility due to property type was communicated to me verbally or in writing at any time prior to hard credit inquiry authorization.

Hard credit inquiry performed. XX/XX/21 After the hard credit inquiry was performed, I was informed by the mortgage broker/originator via email the HELOC product could not be offered, not due to information obtained from the report, but because the property is a condominium, a material fact known by the mortgage broker/originator prior to both pitching the product and performing a hard credit inquiry. - XX/XX/21 The property type was made known by me verbally several times in my conversations with the mortgage broker/originator, prior to authorizing a hard credit inquiry. 
The property type is publicly available information that should have been known with the level of due diligence I would expect from a licensed mortgage broker/originator prior to making a pitch and certainly prior to performing a hard credit inquiry for a product they knowingly can not offer due to this reason. 
I made the decision to authorize a hard credit inquiry and proceed with the product I was pitched solely based on the availability of the HELOC product, the only product I was originally in the market for. 
Raised concerns to XXXX customer care and management via phone and email -XX/XX/2021 and sent letter Certified Mail on XX/XX/2021 to XXXX management CC credit reporting agencies XXXX, XXXX XXXX, and XXXX detailing the experience. 
- No response, update, or other correspondence received as ofXX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Trans Union Credit Company has combined me with another individual our socials are almost alike with similar names. I have been attempting to correct it since 2019, I have all documentation prooving my information. The other individual has bad credit I should have good. All of her bad debts show on my scores. I have contacted and disputed time and time again and proof. I have mailed correspondents and certified mail and have received no help. When I try to pull a report on me no information is provided. 
The other two major credit companies do not show what Transunion shows, for the other two it shows my credit score representing these issues from trans union but does not show the mixed social sec. numbers. so this is strictly related to Trans Union information. 

Please help, I do not know what else to do as I can never get a live person that understands or will speak to me. I've attempted since 2019 to straighten this matter up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I have been having issues with Coinbase for over 9 months that my money was stuck with them, at first I couldnt login into my account which took way too long, after about 7 months I was allowed to long in into my account which i was happy that finally I can get my money out. I try to withdraw all my money out into another wallet address which I was told they wouldn't allow be to withdraw my money via Cryptocurrency except I add a bank account. It took them several days after I was able to login before they can respond back to me. 

Now I tried adding another bank account to get my money immediately which i transferred part of my money to the new bank, Now i am trying to add another bank account or my XXXX account to Coinbase which i realized again they locked me out from adding any form of payment. 

I am tired with the way coinbase operate I need to get my money out and be done with that company. I really need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: P&B Capital Group, LLC
State: TN

Complaint narrative:
I received a text message for a XXXX XXXX ( not my name ) stating that a P & B would take negative action on my account. I have no account with P & B. I am not XXXX XXXX. They ahve also called from various phone numbers alleging an amount owed. I do not have credit cards and do not borrow. I have never heard of P & B. 
Text was received from ( XXXX ) XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I called the Company as the Authorized Agent on a recorded line to find out why was this going on my credit report that I have no Knowledge of and was given no legitimate answer and the operator hung up in my face before I could get an Answer about the debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: AZ

Complaint narrative:
Exeter 's website has failed to process payment several times resulting in late fees. I reported the error and sought guidance from their customer service team in XX/XX/XXXX on how I might submit payment. To date they have failed to remedy the situation. Neither their website nor customer service team disclose any reasonable alternative payment methods. 

I've got screenshots showing a variety of attempts to make payment via XXXX, XXXX, and XXXX XXXX, on XXXX XXXX, XXXX, and XXXX XX/XX/XXXX. The error message presented specifically states that the errors are the result of using an incompatible browser, which is inaccurate. The error message fails to make available any information regarding alternative methods through which to make payment. 

Their predatory tactics involve failing to apply payments accurately while an unwarranted fee is in dispute, making available an unreliable and broken online payment system, reporting inaccurate account balances, and failing to disclose reasonable alternatives for submitting payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2021-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings
State: MD

Complaint narrative:
The following debt is not mine and was reported on XX/XX/XXXX XXXX XXXX  credit bureau. I have advised representatives with IQ Data International not responsible nor live as roommate.

The IQ debt collectors continue contact through harassing communication tactics and although request stop calling continue to call and report falsified information to credit bureaus. Upon my research found this debt has history of unfair practices, discrimination and deceitful practices to later evict the responsible party ( reported XX/XX/XXXX vCFPB compliant ) I am experiencing harassment, repeated calls during work hours telling to call police on person for identity theft, use of deceitful communication/reporting tactics. 

In addition, per research to contact found Creditor-XXXX XXXX, XXXX XXXX XXXX filed bankruptcy XX/XX/XXXX ( attached ) IQ DATA INTERNATIONAL Original creditor : XXXX XXXX MD ( incorrect ) {$11000.00} Balance updated XX/XX/XXXX Account info Account name IQ DATA INTERNATIONAL Account number - ( XXXX ) XXXX Original creditor XXXX  XXXX  MD ( incorrect ) Company sold - Account type Collection Department / Agency / Attorney Date opened XX/XX/XXXX Account status - Payment status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Balance {$11000.00} Balance updated XX/XX/XXXX Original amount {$10000.00} Paid off 0 % Monthly payment - Past due amount {$11000.00} Terms 1 Month Responsibility Joint Account ( incorrect ) Your statement - Contact info Address PXXXX XXXX XXXX XXXX, WA XXXX Phone number ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2021, I discontinued my auto insurance and USAA credit card with USAA effective XX/XX/2021. ( the end of the 6 month cycle ) On XX/XX/2021 they withdrew, what should have been, the last payment out of my checking account. However, they then took two more unauthorized payments out of my checking account on XX/XX/XXXX and XX/XX/XXXX. I sent USAA two dispute documents from my bank citing those two withdrawals. USAA has made all kinds of excuses but has not returned those two withdrawals to my bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: IN

Complaint narrative:
This is in reference to prior complaint : XXXX, Acct # XXXX Mortgagor ( s ) : XXXX XXXX Property Address : XXXX XXXX XXXX XXXX , XXXX, TN XXXX I was informed by a letter in response from my last complaint by XXXX XXXX of XXXX XXXX Team with Selene Finance that a check for the amount of {$1700.00} was wire transferred to XXXX back on XX/XX/2021 with a check # of XXXX. 

I am filing this complaint today because after speaking to XXXX on 3 occasions since then, within a 9 day period of the response and supposed wire transfer. Selene Finance continues to hold my funds illegally since XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Someone stole my debit card information and made XXXX XXXX pay transactions totaling {$2000.00}. One transaction was for XXXX and one transaction was for {$500.00}. Bank of America flagged them and reversed the {$1500.00} charge so I called Bank Of America on XX/XX/XXXX the day that it happened and they told me that the {$500.00} one needed to process before they could file a dispute so I had to wait two days to file a dispute against it. On XX/XX/XXXX I called Bank Of America and disputed the charge. Now today I get an email that my claim has been denied and theyre not giving me my money back. I have never used XXXX pay in my life nor is it even set up on my account. They Resolved one charge for fraud but then denied the exact same charge. I need my money back

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 2021-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have filed several disputes with for inaccurate tradeline data regarding a closed account and they have not complied with FCRA guidelines on any of their responses nor have they resolved my concerns. Capital One account is closed/paid, however they are reporting it as OPEN- allowing HISTORICAL ACCOUNT INFO - No terms apply to closed accounts, Date Closed, High Credit, Activity Designator ( drive last state ), Activity Payment Amount, Date of Last Activity, Charge Off Amount, Pay/Balance/Rating is blank. These fields are used to calculate scores. Please resolve this inaccurate account - verification, and your data is driven by FCRA. Please fix/delete. programming to use comments is never done and should not be done as a resolution. 

Attached are my complaints, responses regarding this tradeline on XX/XX/XXXX and XX/XX/XXXX from XXXX, drivers license and supporting documentation. 

In addition please look at PDF supporting documentation labeled ( Inaccurate tradeline dispute CFPB Capital One ) which has been reported by XXXX  on multiple attempts to dispute

Company response to consumer: Closed with explanation