vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-05 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: GA

Complaint narrative:
I submitted my first dispute on XX/XX/XXXX and never received a response or any contact in regards to that dispute which involved The credit bureaus reporting unknown, inaccurate, and unauthorized accounts on my credit report. I have no idea if an investigation was started or not so I submitted another dispute for a reinvestigation and still have not gotten a response or any contact in regards to my second dispute on XX/XX/XXXX. The credit bureaus are in violation with the FCRA and HIPPA laws. I am a victim of identity theft and they have caused me tremendous stress due to the fact that their letting unauthorized accounts that are fraudulent report to my credit report. I will bring this matter to the attention of the better business bureau and the office of attorney general of Ga. Ive been affect by the XXXX Equifax XXXX and XXXX XXXX XXXX XXXX breach. I also had my identity stolen by someone that used it to get unemployment benefits in my name last year. Their is obviously someone using my identity to do things I have not authorized. As the original creditor, only I can validate the accounts. I do not validate the accounts. Therefore, the accounts must be deleted from my report. I will also seek litigation and {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Our mortgage is through Wells Fargo XXXX XXXX XXXX. We had an issue in getting the mortgage insurance payment removed and had filed a complaint via cfpb earlier this year. XXXX did respond and finally removed this charge however, they did not refund the XXXX months that were collected in error. According to the loan, once it reached XXXX, loan was XXXX  years or older and had XXXX months of current payments this insurance would be removed. Per the XX/XX/XXXX statement the loan balance was below the XXXX amount required to remove the MIP ( the statement on XX/XX/XXXX shows balance of XXXX ), the loan was also older than XXXX years and also had more than XXXX  months of on-time payments. We eventually filed a complaint via cfpb in XXXX as XXXX did not want to remove this extra insurance after we tried to work with them. On XXXX XXXX after all requirements were met XXXX made a mortgage insurance payment XXXX MIP ) of XXXX again the balance here showed below the require XXXX. Again on XX/XX/XXXX WF made yet another MIP payment of {$69.00} even though AGAIN all requirements had been met. Eventually after XXXX asked for an extension to look into this matter they came to the conclusion on XX/XX/XXXX that in fact conditions were met and that MIP should not be collected. We have yet to date received a refund in the amount of XXXX as these should not have been paid and they were also being reviewed prior to our complaint with cfpb and payment to MIP also were made after the complaint was filed. We would like our refund that is due to us for XXXX improperly charging and collecting this MIP as all conditions had been met.

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 2021-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I am a XXXX account holder with critpocurrencies ( bitcoin, and ethereum ). I live in XXXX. My XXXX account has been blocked since XXXX. XXXX says it's under review and dont let me access my money. XXXX also don't tell me what is wrong. If I can't find out what the problem is, I can't fix it. 

In my opinion there is no problem at all. My account its been fine since the first day I sent XXXX XXXX. Nothing has changed. 

I have sent XXXX many complaints and they always tell me to wait a few days. The result is always the same. XXXX do not solve the problema and dont let me access my funds. Also, my money is exposed to what happens in the market, I feel hurt. XXXX allways says is going to do something but its been almost five months since I cant get my money. Cant understadn this could happen in the USA, and cant understand this happen with XXXX, a XXXX listed company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
I refinanced my home loan and closed on XX/XX/21. My escrow refund was to be issued within 20 business days. As of XX/XX/21, the escrow refund of {$3500.00} has not been received. I sent numerous online messages XXXX to end of XXXX. I reached out XXXX and received a response from Loan Care, LLC, as a result. I spoke to a representative on XX/XX/21 and was informed a check was issued on XX/XX/21. I requested the issued check be cancelled and another check issued via Priority Mail. I was told this would take additional time and a customer representative would reach out to me. As of XX/XX/21, I am once again unable to reach a live representative to direct my follow-up inquiry to.

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 2021-05-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One is reporting lates on my credit file. These lates are for the months of XX/XX/20, XX/XX/20, and XX/XX/20. During this time the pandemic hit and i was financially impacted. On top of this my family was diagnosed with XXXX, making it even harder to make these payments. Me and my wife were out of work for a few months. Making my payments was completely out of my hands as i could not work. I have had accounts opened with you for a long time and have done a good job at keeping them in good standings so i am asking that you please remove these lates from my credit file not only because i am a good customer but because this situation was completely out of my hands. I was late due to COVID

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I already reached out to the credit bureaus and to XXXX XXXX XXXX and notify them of their error posting of information on my report. I never missed any payment on this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.

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 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BTH Management
State: TX

Complaint narrative:
On today XX/XX/XXXX a derogatory collection account from Plaza Services in the amount of {$400.00} was placed on my credit report with the original creditor listed as XXXX XXXX. Plaza Services reported that this account was opened in XX/XX/XXXX. I tried contacting them as I have no knowledge of this account and have no signed documents or contract between Plaza Services and myself. This listed account is negatively reporting on my credit report without my consent which according to the laws set forth by the FCRA is against the law. I would like any and all documentation provided to me from the agency Plaza Services that they feel gives them the right to report this information to all three credit bureaus. Unless these documents can be provided this account needs to be removed from my credit report immediately and not allowed to be reinserted at a later date.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WI

Complaint narrative:
Hello, I contacted fedloan servicing about reconsolidating my student loans to include newly acquired student loan debt in 2019. At that time, I was told that the number of payments that I had already contributed towards my public service student loan forgiveness program would continue to count towards the XXXX necessary payments in order to qualify for forgiveness, even if I reconsolidated and added more loans. However, I was told about two weeks ago that because I reconsolidated, the loan payments I made prior to 2019 would not longer count because of the reconsolidation. The only reason why I reconsolidated was because of that erroneous information. Now, they are telling me I'm back at square XXXX with my payments towards the Public Service Student Loan forgiveness because of that misinformation. Can anything be done so that I can have the payments I have already made and recertified count towards my XXXX payments at this point, considering that I was given wrong information. I am prepared to pursue legal action, however, my lawyer says that your organization is my first step.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: WI

Complaint narrative:
XXXX is charging me for a service we only had for no more than two weeks, that wasn't completely installed, and could not get to work, which is why the service was promptly cancelled after the sixth technician tried to come out. And equipment that was sent back. Now I have a random collection on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: OH

Complaint narrative:
The bureaus are reporting two collection that should not be on there. There is no money owed whatsoever. They agreed to delete once they have been paid and they have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
XXXX will not update and remove account on XXXX and XXXX even though they have on XXXX XXXX knowing this debt was included in bankruptcy.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: TX

Complaint narrative:
I received a notice via the CFPB from your firm stating that my complaint requesting the erroneous, inaccurate, and incomplete items on my report to be deleted was not me. Are you serious? My complaint is a legitimate complaint due to the mistakes on my report that your company is knowingly falsely reporting. 

I assure you that it was in fact me who filed my complaint due to the negligence your company has shown in reference to my credit report and my complaint.. In fact if you do not honor my original request to delete the items contained in my previous letter, dated XX/XX/21 sent via certified mail, I will file a complaint with the Federal Trade Commission against your company as well as seek legal council for damages for the mental, physical, and emotional stress your company 's negligence in reference to this deformation to my reputation due to your false report. 

This is my 2nd attempt to get this matter resolved. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX, FTC as well as my States Attorney General. 

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taking advantage of once again and being ignored of my disputes. In Section 611 ( a ), it plainly calls out that a failure to investigate theses items with in 30 days gives a clear and present reason to immediately remove those items from my credit report.

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 2021-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Crossroads Systems Inc.
State: WI

Complaint narrative:
I applied on XXXX XXXX to receive the PPP loan with XXXX. The loan was approved by Sba on XXXX XXXX to receive funds. I sign documents on XXXX XXXX that my lender would be XXXX XXXX XXXX lending me {$20000.00}. Documents signed & completed on XXXX XXXX been waiting to be funded since then. The documents state 10 days to be funded. No letter or explanation on why the funds hasnt been deposited. They did send out email stating they had issues with the bank XXXX but I bank with XXXX XXXX. So I send numerous chats to XXXX see whats going on. They dont know. Send email to XXXX XXXX XXXX XXXX XXXX XXXX. No response. Sent an email to my local Sba and they provided me with XXXX XXXX information. No help because Ive already sent info to XXXX XXXX XXXX. Then they send me some identity questions on XX/XX/2021. I failed them. Never provided a reason for identity questions. Now I sent 3 different identifications in email to prove to let them know its me. These lenders dont know anything. They dont have a phone you can contact them. Where funds was supposed to be funded weeks ago & who knows whats going on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I tried the resolve issue with the company as well as CFPB but seems like CFPB is also associated with Wells Fargo becoz they close the case without even taking to me they didnt reply my message or calls or emails. So I guess this CFPB stuff is also a scam. Becoz XXXX XXXX dont respond to my emails or calls so I guess its a big scam with all of them in favor of Wells Fargo as they are working for them.

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 2021-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Please remove inaccurate information from my credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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 am an identity theft victim. I am writing to dispute the following items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am cceing here my banker at Citibank XXXX XXXX, who has been extremely kind and helpful, however hasnot been able to figure out the problem ... 

As independent XXXX, my accountant XXXX XXXX and XXXX XXXX filed all proper paperworks on my behalf, under my personal SS #, and deposited in my personal citibank account, as indicated by President Biden new XXXX guidelines, and as was PPP1 Loan processed. 

Citibank says it should have been deposited into my business account at CITIBANK, but that is NOT accurate. 



I was in the process of filling in XXXX XXXX a name change from XXXX XXXX which is name on my SS # to XXXX XXXX as on my green card and driver 's license ... maybe that is what is confusing ... 

however, since there were NO ISSUES with PPP LOAN 1, I do not understand why CITIBANK is not releasing my PPP Loan 2.

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 2021-05-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
So my loans are being charged different fees and different interest rates than they were when pay off was signed with lawyers and agreements were set. I see suddenly my entire payment is now counted as a fee when this wasn't the original agreement or how the accounting was handled. Please fix the accounts to show the same interest rates that was agreed upon. Debt collectors can not just change as they see fit as rules must be the same. I have the payments and how they were being distributed to 2014. Once the debt collector sent my bill to another company Navient chose interests and payments were changed. I need statements of accounts that show the agreed upon rates and terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05 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: OH

Complaint narrative:
The bureaus are reporting two collection that should not be on there. There is no money owed whatsoever. They agreed to delete once they have been paid and they have been 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 2021-05-05 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: OH

Complaint narrative:
The bureaus are reporting two collection that should not be on there. There is no money owed whatsoever. They agreed to delete once they have been paid and they have been 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