vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX my telephone number was compromised. They were able to access my email and other accounts that were on my phone. They proceeded to request a password change, having both my phone number and email account they were able to do access them. They changed my password for Coinbase. In the meantime, I alerted the XXXX ( My cell phone carrier ) and shut down my phone. Changed my passwords for all my accounts and recovered my email. The hackers were able to access my coinbase account. The process to close the account and protect it, was convulsed and impossible because my phone number and email were both compromised. Hours later after the damage was done, I was able to close it down. My issue is that Coinbase has given me no information regarding my account or access to the account. I have contacted them and they are not responding to my inquiries. I am left not knowing if there is anything in my account or what has happened to my account. Preferably there is some money remaining but I don't know! Then a few days later they threatened to take the money that the hackers had tried to get from my bank ( did I mention the hackers got into my bank account because I had recurring deposits. But the bank was helpful and reinstated whatever was stolen from my account ). 
Their customer service is inadequate to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
Please see attached documents as well as previous statement provided : In the process of refinancing my home, it was brought to my attention by a title company handling my loan, that a lien was placed against my home on XX/XX/XXXX. 

My solar equipment was purchased, not leased, in XXXX of XXXX. Mosaic Solar Acct # XXXX # XXXX. I have made timely payments through auto pay monthly. 

I have refinanced my home twice since purchasing my solar equipment in XXXX and have never had an issue with my home title. It was brought to my attention through this current refinance, that a new lien was placed on my home for the solar in XX/XX/XXXX. They never notified me by mail, e-mail or phone call that a change in my home title was taking place. 

They notified the title company that lien subordination was required to lift the lien so that I would be able to refi. And they also indicated that they required a {$250.00} fee to lift the lien and re-subordinate. 

On XX/XX/XXXX, I asked my lender to place a 3 way call with Mosaic. They indicated that they did not provide me with any communication in XX/XX/XXXX and this was their error. I asked them release the lien on my property and waive any fees so that I would be able to refinance my home and incur any charges for a lien that should have never been placed on my home. 

I have attached the e-mail sent by the title company indicating the {$250.00} charges owed to Mosaic for the subordination as well as the e-mail from XX/XX/XXXX from the phone call placed to their offices. 

Its my desire to quickly close my refinance to preserve the low interest rate that I have locked in for my home. This has caused a time delay and an excessive fee of {$250.00} that possibly other customers have paid erroneously when owning their solar equipment and never receiving lien notification. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I was called around XXXX this morning by Freedom Mortgage. They said my mortgage is overdue and need to pay immediately. I set my mortgage date for the 4th every month and today is the 4th. My mortgage is not late. Then they said its does not become overdue until the 16th of the month. 

This company is ruthless! 

I got back from work at XXXX in the morning. 
I dont need a company to wake me up and disturb my precious sleep which I need fkr my health, especially during a PANDEMIC! 

It took me 9 months to refinance my veteran loan ( I am a XXXX veteran ). I made dozens of calls to them to move the loan through. To no avail. Yet, now, they have the nerve to wake me up from precious sleep to tell me what I already know. 

So I paid. Confirmation # XXXX This company emotionally disturbs 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 2021-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
This complaint is with NC State Employee Credit Union. Around 2013 I was bit by a spider and suffered a XXXX. Before this, I was never late on payments because my vehicle was auto-drafted out of my account at the end of every month which is when I was paid. When my mother who was my aide at the time due to my XXXX called the bank to try to activate the insurance I had to the bank in case of loss of job and XXXX. And the bank never activated that. They were rude at the time. I could not walk or see let alone drive My mother explained that. I was not given a payment plan or anything to catch up with. I was in financial hardship due to piling medical bills and the medicines and therapies I had to take. At that time I did not know my vehicle was getting repossessed as i never got a letter or call or anything about it. The vehicle was taken at XXXX XXXX in morning. I did not know that I had a balance left on the vehicle until I got a judgement placed on my credit report. for {$7200.00}. I have never heard of anyone being taken to court on an auto loan and not being informed of when it was to occur. They got the vehicle back. I don't feel that it was fair to have a judgement put against me. I have knowledge of other people getting repossessed by the bank and this not happen to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: NY

Complaint narrative:
This is my THIRD time contacting these bureaus to fix issues on my credit report. I have not ANYTHING updated on my credit report since XXXX. NO RESPONSE WAS SENT TO ME NO UPDATES. THIS IS SUPER UNPROFESSIONAL. As a consumer I have rights and they have violated FCRA/FDCPA AND USC 15 1681 ( 2 ) i. These accounts need to be removed I dont want an investigation as I have been asking for one for 3 months at this point they are in straight violation. I tried contacting them via mail, phone call and FAXING and nothing was resolved. I dont want an automated answer stating this is not me I sent you my ID my bank statement along with the social so please save me from the stalling, I have lost patience at this point. 

I ALSO MY NEW ADDRESS IS XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. PLEASE CHANGE IT.

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 2021-03-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I called Experian and spoke to XXXX on the XXXX team who was very rude. He didn't want to file my dispute with the agency even though I explained to him multiple times that I tried to contact the agency reporting and there was no resolution. He asked me to " harras '' the agency to remove these fraudulent inquires.

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 2021-03-04 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: TD BANK US HOLDING COMPANY
State: DC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: MD

Complaint narrative:
I have been getting REPEATED phone calls whenever my account is 1 day past the 30 day mark. They come as many as 10-15 calls a day starting at XXXX. I've requested via my Federal Law rights that they stop calling my home but the calls persist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: GOLDMAN SACHS BANK USA
State: DC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I bought a XXXX XXXX XXXX in XXXX Utah, I got a car loan through XXXX XXXX XXXX XXXX XXXX, now called just XXXX XXXX. 9 before they used to say there were not part of XXXX XXXX and that they were completely separate from them, not true of course ) I have paid my car payment all 60 months. A couple of times 2 weeks late, another time 29 days late ( XX/XX/XXXX, when my mother passed away and I was in XXXX for 6 weeks ) I paid the car off in XXXX and 30 days later received the car title through regular mail. XXXX XXXX stated during the whole life of the loan that this car loan has been a " charge off " and it's entirety. That is not true. A charge off means when someone that owes money does not pay or stops paying. That had never happened. If that was the case, how come they sent me the title? How come I never had this car repossessed? How come I still have the same car? I have called them a minimum of 45 times, I have explained this to about 40 different people over the phone. Only to be put on hold and transferred and no one fixes anything. They say they will call me back with a resolution and no one does. I have wasted an incredible amount of time on this issue. I have disputed this with all credit bureaus several times. Even talked to Supervisors, " escalation teams '' to no avail. Credit Bureaus are siding with XXXX XXXX even though everyone in this country knows XXXX XXXX is an extremely fraudulent bank. The fact that they are reporting my car as a charge off when I have paid every month it's not only wrong, it is also a lie, it is illegal, fraudulent and corrupted it has dropped my credit score by at least 40 points. It has prevented me from renting another place to move ( because of low credit score ), it has also prevented me from getting a newer vehicle and it also due to an excessive amount of stress and anxiety trigerred an XXXX  XXXX which I will have to deal with for the rest of my life. It is called XXXX XXXX XXXXXXXX. I will have to be on medicine every day for the rest of my life. This XXXX is not curable, it's just maneagable. I have been dealing with this problem for 3 years, I have been on the phone with everyone involved an incredible amount of time to no availability. Please look into it as soon as possible.

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 2021-03-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
Upstart is violating the terms of the Promissory Note when it comes to the application of partial prepayments. I made a partial prepayment and, per the terms of the legal documentation, it should 100 % be applied to principal. However, the company is first applying the partial prepayment to accrued interest and then principal. This is a violation of section 9 of the executed legal documentation. The company is insisting it follows section 2 detailing how payments are applied. Since this is a partial prepayment, terms in Section 9 apply and thus, 100 % of the partial prepayment should be applied to principal prepayment. Upstart refuses to adjust the accounting of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: FL

Complaint narrative:
Good morning, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I did some research and come to find out, they are indeed 100 % unauthorized. On XX/XX/XXXX, I contacted the 3 credit bureaus regarding these accounts and they were no help at all. This is very frustrating because I keep on calling and calling and still nothing. I feel like I am getting the run-around. I have also called these companies where the fraud happen and they could not verify my information. I immediately contact the FTC and explained what happen. I have attached the FTC report below along with my driver 's license.

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 2021-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: WI

Complaint narrative:
Hunter Warfield Inc. Has been trying to collect a debt from me for almost a year now in the amount of {$430.00}. This claim has already been disputed through XXXX  and XXXX and determined to be fraudulent and inaccurate. It has been removed from my credit report however I still get calls from this company everyday and now they are emailing me claiming I gave permission to communicate via email which is false.

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 2021-03-04 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: AZ

Complaint narrative:
I recently checked my Credit Score and noticed it was a lot lower than I thought, upon reviewing my Credit Report, I noticed there were items reporting to my Credit that I did not open myself and that there was incorrect information reporting as mine. I sent in proof of my identity, I have made calls, I even filed a report for identity theft. The items still haven't been removed.

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 2021-03-04 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I recently checked my Credit Score and noticed it was a lot lower than I thought, upon reviewing my Credit Report, I noticed there were items reporting to my Credit that I did not open myself and that there was incorrect information reporting as mine. I sent in proof of my identity, I have made calls, I even filed a report for identity theft. The items still haven't been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: Conn's, Inc.
State: TX

Complaint narrative:
In early XXXX I contacted Conn 's Plus to get current on my account and set up Automatic Draft payments. I was preparing to repair cy credit. At that time, I was told that I can only set up Auto pay draft for 6 months at a time. Well at the end of the 6 months, I was never notified that my last payment was taken. Therefore, my next payment was never taken ( XXXX ). Again I wasn't notified. Once I realized a payment had not been taken, I contacted Conn 's once again to set up Auto pay draft. My monthly payment is {$140.00}. XX/XX/XXXX, they reported my 30 days late. Not sure why, I called. They mentioned the late payment from XXXX. not being drafted out of my account. ( they reported something from XXXX in XXXX ) They then assured me I was indeed enrolled in the Auto pay. I was still confused. I asked if they would reverse that late payment on my credit. They said they would dispute it, but nothing happened. Now XX/XX/XXXX ... they report me again as a late payment. This - just days after drafting my payment out my account. I called once again. Now a different customer service rep tells me that I was behind by {$180.00}. How is this possible? I ask. She then tells me that although I am enrolled in auto pay draft, they are only taking out a payment of {$120.00}. I asked how and why would they not take the full amount of {$140.00}. She had no answer. Just ... '' not sure why that happened '' and an apology. I asked again if they can reverse those reported late payments since this an discrepancy on their part. She told me to contact a credit specialist. I asked to speak to a supervisor. He then confirms what she said about the error of them not taking the full authorized amount, apologizes again, then proceeds to ask for a payment to get current. I agree to pay the balance of {$180.00} to get current. While on the phone with the supervisor, he updates my file to take the FULL amount of {$140.00} for future payments AND the also offered up an option of 1 year auto pay setup. Not only did they not give me the option to set up auto pay for a full year, I was told a number of times that 6 months was as far out as I can go with setting up my auto pay draft. Next issue is they made an error on how much they draft out my account, which resulted in me having a past due balance and them reporting me as late on my credit. Of all the times I called before, no one ever mentioned to me a balance due. I begged and asked them to please remove those late payment from credit, but to no avail. This was a negligent error on Conn 's part, and they are not willing to rectify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: FL

Complaint narrative:
This is a debt from a car accident back in XX/XX/2018, which my car insurance paid in full. Plus, I had private medical insurance on file with the hospital to pay any overage not paid by my car insurance. The hospital had this information! This was apparently the only bill not filed, why? I was not contacted or aware of this outstanding bill from neither the hospital, nor the debt collector until the end of XX/XX/XXXX, ( almost one year later. ) I found out about this bill from checking my credit report, at which point, I made contact with debt collector and inquired about it. They were very rude to me as I inquired as to why this was on my credit report. I tried to explain why I dont believe this was my bill, and questioned why it was report before I had a chance to respond? Specially, when it could had been paid by insurance ... They claimed they could not get in contact with me and this was the only way. Which again was false, because the hospital had my contact information! Every bill was paid in full and no other bills were sent to me other than this one regarding this matter after the fact. If this was my bill, it should had been filed with my insurance company. I have disputed this twice to no avail. I even offered to pay half to remove off my credit report. They refused my request to pay half or to work out an agreement to get this removed. Other than wanting the full amount of {$130.00}, which again, I dont agree this is mines.

Company response to consumer: Closed with explanation