vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
In XX/XX/2020 I was notified of a wage garnishment for a Federal Student Loan. Fast forward to XX/XX/2020 and I finally pay off the debt. Then my paycheck gets hits for another {$420.00}, I call and find out the collection agency closed my account and submitted my file as closed and paid off but they never bothered to send a letter of debts paid to my employer. I call almost every day and am constantly told it's in progress. My next payday ( two weeks later ) comes and I'm garnished ANOTHER {$420.00}. Still, in progress, I'm fuming mad but every rep I talk to assures me that they will send me a refund on any overpayment and I have no worries just to be patient. Two more weeks go by and it's 1 day before payday and I am finally told by my employer that they got a letter and they will now stop the garnishments. A month goes by and I never see a refund check. I call and I am told that my refund check for close to {$850.00} was not sent to me it was forwarded to a " Client ''. The reps I talk to say they can not tell me why I didn't get the check that I had to talk to an attorney. The attorney at the agency will not contact me, I have filed a XXXX complaint but have not heard back. Their " Client '' is XXXX and from XXXX reviews is another debt collection agency that people like me will never get a hold of. Their phone lines tell you to leave a message they " are not accepting calls due to the state of the nation. '' They have no contact information. This firm drug their feet to stop my garnishment, took my money for the debt I had already paid and will not return it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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:
I have wrote dispute letters several times for experian to remove accounts inquiries addresses and job and they always respond 30 days saying verified when E Oscar and these alleged creditor are not factual proof of verification I have wrote laws that's they are supposed to abide by but for some reason they don't mind breaking the law for instants I the consumer has the right to privacy so why is experian reporting my information without my permission which is also identity theft and all my consumer credit transaction should be private but your company illegally reports it cause alleged creditor pays them to report information to help undermine uninformed consumers 15 u.s.c 1681 state 's how what's this company should report and not report which they do willfully and knowingly which has cause me a financial ingury

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 2021-03-18 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: LA

Complaint narrative:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CT

Complaint narrative:
I have my mortgage and escrow account with LoanCare LLC. In the process of my mortgage being transferred to LoanCare LLC, my taxes were short paid, I paid them and all late fees due to the timing of taxes and the timing of sale and transfer of loan companies. Then they said they paid my XX/XX/2020 taxes but the town never received them. I have contacted them many times about this with absolutely no response. I just want them to pay my back due taxes along with all the penalties and interest ( some of which I have already paid ).

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 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello Citibank, I have made several attempts and no one over the phone is helpful I will start by saying that. Theres an issue which must be resolved ASAP! This needs immediate attention please. Citibank closed my business account for account number ending in XXXX on XX/XX/21 for our business account for XXXX XXXX. It shows that my remaining funds in the amount of {$5700.00} were withdrawn on XX/XX/21 and a check was mailed out in this amount however 1 month has passed and I have NOT RECEIVED my check in the amount of {$5700.00}. WHERE IS MY MONEY? I HAVE NOT RECEIVED MY MONEY YET IN THE AMOUNT OF {$5700.00} which states Citibank withdrew that amount from my account. Were in my money in my account that Citibank took out? I NEED MY MONEY! I keep CALLING CUSTOMER SERVICE NO ONE IS ANY HELP! Please CALL ME AT XXXX or email me at XXXX. THIS IS URGENT!!!!! I need my money in the amount of {$5700.00} that was withdrawn from my Citibank account on XX/XX/21 in the amount of {$5700.00}. I HAVE YET TO RECEIVE MY MONEY! Please resolve immediately. 


I NEED A NEW CHECK ISSUED OUT BECAUSE I HAVE NOT RECEIVED MY MONEY THAT WAS SENT OUT ON XX/XX/21 by Citibank in the amount of {$5700.00}. Thank you. 




XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: Berlin-Wheeler, Inc. (Kansas)
State: KS

Complaint narrative:
I contacted the original lender from this account in which I'm in good standing with n still using this account account is paid up n representative don't know why this company Berlin wheeler has this account stating derogatory on my account I don't know this company n never had a account with them only have account with XXXX n we have taken care of this account n account is in use with XXXX thanks for looking into this matter for 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 2021-03-18 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I haven't received any 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 2021-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Renton Collections Inc.
State: WA

Complaint narrative:
Renton Collections Inc charged me for 3 collections and didn't tell me about this or why. No emails, calls, or anything. Why are they ruining my credit!?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: Ocwen Financial Corporation
State: OH

Complaint narrative:
My son was put into furlough from is job back in XX/XX/XXXX because of COVID19. He could no longer contribute to the finances of the household. I then reached out to my mortgage company, PHH Mortgage for assistance by deferring my payments. They agreed by creating a forbearance plan that began XX/XX/XXXX though XX/XX/XXXX. My hardship didn't end in XXXX so I asked PHH Mortgage for an extension and they agreed for three more months ending on XX/XX/XXXX. In XXXX, I was fully recovered and ready to continue making payments so I made a payment in XXXX. However, in XXXX, when I spoke to a PHH representative, they informed me that they were not prepared with a modified payment agreement and they extended the forbearance plan until XX/XX/XXXX. In XXXX, PHH reached out to me with a letter stating that a modified plan was constructed and that I needed to make three consecutive payments with my first payment on XX/XX/XXXX through XX/XX/XXXX. I made my payments and then in XXXX after my last payment, they reported to all three credit bureaus that I was delinquent on my payments when in fact I was on a forbearance plan. When I reached out to PHH Mortgage on several occasions, they claim that they are not aware of this action and claim that there is nothing that they can do about it. I have received several computer generated notices claiming that there is an investigation that takes 30 days to process that never comes to a solution. PHH Mortgage sold my mortgage to XXXX Mortgage right after the last trial modified payment was made but didn't inform XXXX Mortgage that I made my trial payments. I had to send XXXX Mortgage a copy of the signed and notarized paper as proof of the action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I was locked out of my Coinbase account and no longer have access to the email address associated. 

Back in XXXX I contacted Coinbase and was directed to make a new account which i did. They then had me upload information to verify my identity.

Since I uploaded all that was asked, I have received no response or access to my old account.

Since my initial complaint to them the value of the portfolio has more then tripled.

I filed a formal complaint with Coinbase over a month ago, was told a specialist will reach out and once again received nothing. I am currently filing another formal complaint with them.

Coinbasess communication is horrendous and actions are unethical. They are clearly keeping my portfolio and riding the recent boom to there benefit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I can not get access to my.equifax.com. I have gone through all the steps they have asked me. Including faxing proof of who I am ; proof of my account. I have spent hours talking to the agents who can not allow any access to my account or reset of my login information. I can not unlock my credit report to allow banks to see my credit for other lines of credit and home mortgages. As such I have not been able to receive these lines of credit. 

equifax withdraws XXXX monthly. I can not quit my account. I can not access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
In late XXXX I was notified by my prior servicer that my loan was being transferred to Mr. Cooper and that my first payment to Mr. Cooper should be made XX/XX/2021. I received no information from Mr. Cooper and frequently went to their website to check the status of my loan. There was never any information. On XX/XX/XXXX I called and they verified that my loan was onboarded ( still haven't received a letter ). After setting up online access and choosing paperless statements the online access stopped working within 5 minutes of gaining access. Instead of going to my account it brought up a 500 error page. Attempts to login on the sign in page brings me back to the sign in page. I immediately called customer service, spoke to 2 representatives, and they had no explanation about why I can't log in. They could see I setup paperless statements and had my email address. I called the following day, XX/XX/XXXX, and was told that it's an issue with XXXX. I spoke to 2 representatives that day. On XX/XX/XXXX I still did not have access to the website to make payments. Again, the sign in page brings me to the sign in page. When I try and search by loan number and social it says my loan can not be found. The customer service representatives have not technical experience and always attempt to walk me through the obvious sign up processes. The website provides not contact information for IT or web support for technical issues. Customer service is useless. On day one I was told by a representative that they could write to their web support and call me back. I'm still waiting. This lack of service is unprofessional. I anticipate that this may lead to claims that I'm late on my payments and negatively effect my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
This bank USAA has continued to charge me late fees. Each month, I have made my payments using my bill pay for my bank XXXX XXXX XXXX. Every month, USAA sent my payment back and not once tried to get a hold of me to make me aware that the full account number needed to be on the front of the check that is sent in. I have called USAA several times letting them know that this was an issue that my bank kept sending payments in on my behalf and none of the checks were being cashed by USAA making me accrue a late payment. Why would the representatives not know that the full account number is not disclosed on the statement, but USAA expects me to guess this information and know that it should be on the cashers check before my bank sent the payment in. USAA 's reps didn't know, so how would me or my bank know that this was an issue? USAA allowed this to go on since XX/XX/XXXX, which is almost 1 year of sending back my payment for my credit card. They should not have been charging me any late fee when my bank issued a check. Why didn't anyone know that this was going on almost every month for almost 1 year?? This is a banking issue, not an issue where I had any control. I made my payment on time each month in good faith. Why would this type of thing even be going on with a Federal Banking institute? Today ( XX/XX/XXXX I received a call from XXXX XXXX XXXX ( Advocacy Advisor I ) ( XXXX ) XXXX ( Mobile ( XXXX ) XXXX, shortcut # XXXX, spoke to her by phone for 1 hour, told her about me being charged all those late fees and explained to her that I expect USAA to refund all those charges and that this issue was through no fault of mine. I have a printout of all the checks that my bank ( XXXX XXXX XXXX ) made out and sent to USAA to only have those payments be returned back to the bank and I bee charged a late fee. This is not right and I expect USAA to refund any additional late fees they they charged me XX/XX/XXXX - {$21.00}, XX/XX/XXXX - {$21.00}, XX/XX/XXXX for {$25.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: MI

Complaint narrative:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, TransUnion, XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

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 2021-03-18 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: MI

Complaint narrative:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: AL

Complaint narrative:
I have attempted numerous occasions to handle debt with original collector. The equipment was returned and was to be credited to account after receiving. I want to see this debt removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I opened my account on XX/XX/21 and submitted all necessary documents needed to open the account. Gemini accepted my deposits and allowed me to purchase Bitcoin on three separate occasions which I have attached the transaction history. When I noticed the price of Bitcoin going up I wanted to withdrawal my profit but I then found out that I was not yet verified even though I was able to purchase Bitcoin. It has been a month and I have sent multiple emails to Gemini support and have gotten no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: IA

Complaint narrative:
TransUnion/XXXX  has continued to falsely publish two accounts from XXXX ( XXXX XXXX XXXX ). I have reported these accounts are not mine nor do I now or have I ever had any agreement of any kind for any amount with XXXX. TransUnion/XXXX has claimed the information is correct from an unverifiable data furnisher. Regardless what a data furnisher states, it should be given less weight than the alleged account holders statements. I have also proven XXXX has never sent me any proof of these alleged accounts. I can not attach any documents of proof as Ive never had any accounts with XXXX nor has XXXX sent me any detailed proof of these alleged accounts even though I have requested this detailed information many many times.

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 2021-03-18 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I launched a dispute with a vendor, XXXX XXXX XXXX to be exact, in the amount of {$42.00} on XX/XX/2021 due to shipping issues with the order. After seeking a refund directly from the Company, I withdrew my dispute on XX/XX/2021. The Company acted in good faith and agreed to the dispute, which was still active on XX/XX/2021. On their end, they were able to agree to the dispute, thus notifying my bank that the {$42.00} in dispute should be returned as a credit to me. However, Goldman Sachs customer service misrepresented the status of this dispute on four overall occasions. Beginning on Friday XX/XX/XXXX, two different representatives told me unequivocally that the dispute was still active and I must wait 90 days. As the dispute was still active ( even though it was withdrawn two days prior ), that was how XXXX XXXX was able to agree to the standing dispute, which should have resulted in {$42.00} being returned to me as a credit/refund. Since then, I have escalated to issue through XXXX and filed a formal report against them for alleged mishandling and miscommunication about this entire situation beginning on XX/XX/2021. They continue to string me along with false reassurances that they will hopefully resolve the issue. 

I have given them approximately a week to hopefully follow-through on my behalf, but it seems they have entirely dropped my case. As a consumer, I resorted to filing this report as a means of preserving my consumer rights, and giving me a sense of security that they will have to eventually respond and resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: IA

Complaint narrative:
XXXX/Experian has continued to falsely publish two accounts from XXXX ( XXXX XXXX XXXX ). I have reported these accounts are not mine nor do I now or have I ever had any agreement of any kind for any amount with XXXX. XXXX/Experian has claimed the information is correct from an unverifiable data furnisher. Regardless what a data furnisher states, it should be given less weight than the alleged account holders statements. I have also proven XXXX has never sent me any proof of these alleged accounts. I can not attach any documents of proof as Ive never had any accounts with XXXX nor has XXXX sent me any detailed proof of these alleged accounts even though I have requested this detailed information many many times.

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