vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
Coinbase is locking selling options for people. Customer service is not responding to people. If customer service does respond, it is a spam email thats sent to everyone who has the same issue. It can take 30 days to get the spam email. People are being locked out of their accounts. We can not use our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I was emailed a {$300.00} American Express ( AE ) gift card on XX/XX/XXXX. The AE email instructed to click the blue bar to access the needed info to use the gift card - the page that loaded did not give me the info I needed to use the card : rather, it asked for the info I needed to access the card. On XX/XX/XXXX, I called AE and was told to fix my computer and download XXXX, and that they would not mail the card to my address as I requested. On XX/XX/XXXX, XXXX XXXX sent a no reply email to contact her at XXXX or supply her my phone number - I sent her my phone number on XX/XX/XXXX. Ms. XXXX called and held the company line and further refused to mail the card to my address. AE still has my {$300.00} card ( and, how many other gift cards are they holding for ill-gotten gain ). I had no problem with an online XXXX gift card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
We were not able to successfully apply for a loan with Citibank Mortgage. 

On XX/XX/XXXX we contacted Citibank in the interest of applying for a first time home buyer XXXX loan. We were assured that we qualified for a specific XXXX loan product. A Rate Lock document was issued on XXXX. A loan commitment letter was issued on XX/XX/XXXX for a different XXXX loan product at a higher interest rate. Upon inquiry, the mortgage loan officer explained that our income was above the limit ( even though he told us for the six weeks prior that we qualified for the program ) and was not interested in revisiting a possible flaw in how Citibank calculates income limits for freelancers/contractors/gig economy workers. The loan officer agreed that the loan commitment letter 's interest rate was above market rate. As a result, we cancelled the XXXX loan application and started a conventional loan application on XX/XX/XXXX. 

On XX/XX/XXXX, we asked our loan XXXX for a date when the the loan commitment letter would be issued because an extension was required on the loan commitment letter submission date per the contract. Citibank said XX/XX/XXXX. On XXXX we followed up with the loan officer about the XX/XX/XXXX contractual deadline and was assured letter would be issued by this date. On XXXX we checked in with the loan officer again and was informed that the letter would not be issued by XX/XX/XXXX because it is still in the underwriting queue. Nothing changed between XXXX and XXXX. We escalated to the loan officer 's manager and also notified our lawyer. 

The seller kindly extended the loan commitment letter deadline to XX/XX/XXXX. The loan commitment letter never arrived on XX/XX/XXXX, though the loan processor periodically notified us of the lack of progress. The loan application was cancelled on XX/XX/XXXX. 

The hardest part about this situation is working with liars and a non-functional online mortgage portal. Expectations were set that could not be met. Instead of guiding the customer through an evolving situation, especially during a pandemic, Citibank 's staff broke promises that put our first home purchase in jeopardy. Since they were not proactive and transparent about what was happening, we were not able to be proactive or transparent with the sellers. One quick note about the online mortgage portal : while we were able to upload required documents in the online portal, the loan application staff weren't able to access them so we sent all of our documents multiple times via secured messaging. This should have been a red flag about how difficult and frustrating would be to apply for home financing with Citibank.

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 2021-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
In XXXX Kimball, Tirey, & St. John sent a process server early in the morning, to my Employers private home in order to serve me paperwork to pay for an 8 year past debt owed to an apartment property management company named XXXX XXXX XXXX in XXXX XXXX, Ca. I lost my job because of that. They had also called my place of employment threatening me. On XX/XX/XXXX Kimball, Tirey & St. John posted an illlegal 3 day notice on my door during the moratorium in retaliation of the current property management I am renting from which is XXXX XXXX XXXX dba XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. I had also been in contact with the property management before leaving for XXXX XXXX due to the XXXX Ive been dealing with at home. XXXX XXXX XXXX knew I wasnt going to be home as we had already set up an agreement via email. I contacted property management and they stated they knew nothing of the notice posted on my door by Kimball, Tirey & St. John. I have repeatedly illegally received 3 day notices to enter the premises as well for supposedly abandoning my apartment which I never have. They illegally entered my apartment and after that I had missing property. I filed a police report with the XXXX police department for theft of my XXXX package and wedding ring.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Idaho Housing And Finance Association
State: SD

Complaint narrative:
We placed our mortgage in forebearance back in XXXX, XXXX. Upon the six month forebearance expiry date in XX/XX/XXXX, I contacted the company, HomeLoanServ a.k.a. Idaho Housing to take our loan out of forebearance in order to resume payments. They said they would send paperwork and we were to wait for a call from their traveling Notary Public. The call never came. The HomeLoanServ company sent us paperwork that we filled out and sent back which included a request for past tax returns, and two months of pay stubs, which we provided. Then they sent another letter stating we missed two weeks of pay stubs and we had 4 days only to get the documents to them, or the deal was off. Well, that was XXXX of XXXX. I called them in XXXX and they said that we weren't eligible to exit the forebearance ( which was false ), and that they had sent us paperwork for a loan modification. Well, we were already in process, they said it would be 30-45 days from the XXXX date that they would call and notify us of our options to begin repayment on our mortgage. I called them at the end of XXXX, and 5 times last week, and 2 times earlier this week. Different agents tell us different stories. My favorite one is that we must have been confused because we are eligible to resume payments by placing the forebearance debt onto the end of the loan. Ok, well, we are supposedly near the end of the loan modification process so we thought it would be wise to wait and find out what all the options are before making a decision. According to HomeLoanServ assigned agent, they only have one person authorized to sign off on loan modification applications and she has hundreds of them outstanding. Well, it's the end of XX/XX/XXXX. HomeLoanServ blew past thirty days, forty-five days and now it's more than 60 days and still no information. We are down to one vehicle for the family and we can't apply for a new auto loan to purchase another vehicle until we know what our house payment is supposed to be. We are growing tired of all the excuses and procrastination and false and misleading information coming from HomeLoanServ and desire a speedy resolution.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I have continuously receive debt collecting calls from different numbers referring to themselves as " Portfolio Recovery '' They call from a range of different numbers all through out the day often times they call from a spoof number ( a number similar to mines ) a XXXX area code. This is harassment and it must be stopped. The dates that this company has called me on has been numerous but the most recent are as follows " XX/XX/21 from XXXX, XX/XX/21 from XXXX, XX/XX/21 from XXXX, XX/XX/21 from XXXX, XX/XX/21 from XXXX. This needs to end now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
XXXX : We entered into a refinance for our primary home with XXXX with Mr. XXXX XXXX after a great sales pitch. Mr. XXXX promised to close the refinance in 45 to 60 days. We have done a refinance previously on our home so we understood the process and documentation needed. 

XXXX : 60 days passed with no processed loan. The lender charged us {$750.00} in pre-paids, {$150.00} in application fees, and {$600.00} in appraisal fees. We requested updates weekly but the loan processor and the mortgage broker provided no details or status of our refinance. Every few weeks the loan processor would sporadically request new documents and we would respond quickly. 

XXXX : We received an email from the Mortgage Rep stating that he was leaving the company because he did not receive sufficient support for processing the loans he was originating. We asked to get our prepaids back because it was close to 90 days since the process started, but he did not respond. 

XXXX : We then reached out to another person ( XXXX XXXX ) that we were working with at XXXX to get our prepaids back and to terminate the loan. XXXX included 2 more people, Mr. XXXX XXXX & Mr. XXXX XXXX, who requested that we terminate our loan in writing without confirming whether they would refund get our prepaids. We confirmed termination of the loan on XX/XX/2021, almost 115 days since the process started. Upon receiving the Notice of Adverse Action on XX/XX/2021, we were told that they would not refund our prepaids. 

We were extremely frustrated with 1 ) the lack of transparency of the status of our refinance 2 ) no progress after over 90 days and 3 ) no refund of our prepaids after terminating. We wasted time and money with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received investigation results.

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 2021-01-31 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I did have a credit card with XXXX XXXX XXXX. But I used it once, and paid it off. Now over 2 years later, you are requesting some kind of payment when I paid off the amount back then, and the credit card was for only {$300.00} limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I would like to make a complaint on how the XXXX  and Transunion credit dispute personnel are not doing a proper investigation on my credit dispute. XXXX  however, is reporting correctly, after disputing with them. 

This is also the 2nd time I have disputed with XXXX and Transunion with additional information from my bank as well. Disputing multiple times has caused my credit score to drop. 

The dispute is over a late payment that I have with XXXX  XXXX XXXX on an account that was closed back in XX/XX/2017. The late payment was XX/XX/2017 when the account was closed. The issue is that I have had a {$0.00} balance and the account was fully paid off yet I was still reported as having a late payment during the time of having {$0.00} balance. 

I have even talked to XXXX  XXXX XXXX representatives who state that if the balance was {$0.00}, it is impossible to get a late payment. Unfortunately, they can not send me any documents about my account because it was closed years ago, and they don't have access to it. 

The credit bureaus report on having a {$0.00} balance but somehow fails to recognize that the late payment was during the time of {$0.00} balance so I don't understand how it could be late when nothing was owed. 

Thank you for reading,

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 2021-01-31 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
Dear Speedy Cash credit reporting department I have 3 hard Inquiries on my credit report Did you get three separate and complete applications even so only one should've reported only one counts regarding this loan on XXXX. Can you send me a copy of such applications. There are two hits on XXXX and one on XXXX. Please help me clear this up is affecting my credit score I am trying to rebuild. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Every time for the past year, when I applied for credit for car loans, credit cards, leasing for housing, and companies that use Equifax consumer reporting agency I been denied access to credit. Equifax is using unfair bias practices tactics on how they report minorities ' FICO score - credit score. I applied for a loan with XXXX XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX, Ga XXXX, on XXXX XX/XX/2021. I was denied credit because the Equifax score reporting system is biased it reported my credit score is XXXX. That's inaccurate. My score should be higher. For years Equifax has been reporting low scoring for minorities affecting their livelihood and unable to obtain the American dream. 

Please probe Equifax credit scoring systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I would like to make a complaint on how the Experian and XXXX credit dispute personnel are not doing a proper investigation on my credit dispute. XXXX  however, is reporting correctly, after disputing with them. 

This is also the 2nd time I have disputed with Experian and XXXX with additional information from my bank as well. Disputing multiple times has caused my credit score to drop. 

The dispute is over a late payment that I have with XXXX XXXX XXXXXXXX on an account that was closed back in XX/XX/2017. The late payment was XX/XX/2017 when the account was closed. The issue is that I have had a {$0.00} balance and the account was fully paid off yet I was still reported as having a late payment during the time of having {$0.00} balance. 

I have even talked to XXXX XXXX XXXXXXXX representatives who state that if the balance was {$0.00}, it is impossible to get a late payment. Unfortunately, they can not send me any documents about my account because it was closed years ago, and they don't have access to it. 

The credit bureaus report on having a {$0.00} balance but somehow fails to recognize that the late payment was during the time of {$0.00} balance so I don't understand how it could be late when nothing was owed. 

Thank you for reading,

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 2021-01-31 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I had an auto loan through Ally Financial for a XXXX XXXX XXXX. This loan originated on XX/XX/XXXX and was paid every time on time until the vehicle was totaled in XXXX of XXXX. The finance company erroneously reported my loan as being late for 3 consecutive months after the vehicle was fully paid off by my insurance company XXXX. I have contacted them directly several times about the incorrect late payment status & it has never been updated on any of my three credit reports. Thus has caused me irreparable damage to my credit score and overall harm to my credit profile. At this time I have no other option other than to ask for government assistance. From my attached screenshot of this item on my credit file you will see it has been disputed prior and I have a consumer statement saying that I disagree with the results.

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 2021-01-31 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: MO

Complaint narrative:
In the span of a few days ( XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 ) I received over 13 unauthorized hard inquiries to my credit for car loans from dealerships. I was never aware this was having, or gave anyone permission to do so. I can not get a response from the generators and they are false hard inquiries to my credit ( I have no car loans or loans at all beyond student ones, I don't even have a car. ) I ask that you please immediately remove these from my credit report for authorization.

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 2021-01-31 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery associates called and wrote me by mail in the year 2020 telling me that they were collecting a debt owed by a credit card company ( XXXX XXXX ) that was charged off and sold. They reported me to credit agencies and told me unless I paid it off {$360.00}, it would stay there indefinitely, so I paid it in installments and now they sent me a letter stating that I still owe them. This derogatory debt that I paid off is still on my credit and it looks like I still owe them money.I feel like they cheated me out of money. They want more money from me and I am not paying another dime. In fact, I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX called and wrote me by mail in the year 2020 telling me that they were collecting a debt owed by a credit card company ( capital one ) that was charged off and sold. They reported me to credit agencies and told me unless I paid it off {$360.00}, it would stay there indefinitely, so I paid it in installments and now they sent me a letter stating that I still owe them. This derogatory debt that I paid off is still on my credit and it looks like I still owe them money.I feel like they cheated me out of money. They want more money from me and I am not paying another dime. In fact, I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diverse Funding Associates LLC
State: NV

Complaint narrative:
The company is trying to collect a balance of {$1000.00} from a debt they purchased from XXXX XXXX XXXX XXXX that has a credit limit of {$300.00}.

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 2021-01-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XX/XX/2021 ... I attempted to remove the rest of my unemployment into another account. According to the number I called my account is closed and I am unable to receive my funds. I have spoken with an agent at detr and sent my drivers license in. Bank of America has yet to notify XXXX  of fraudulent transactions and I have never filed a complaint on this card. The card I had prior to this one was deactivated and I have received a new one. This was months ago when that occurred.

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