vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-02 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:
XXXX XXXX Mortgage is reporting me being late 30-60 days late in XXXX and XXXX of XXXX. 
I was in Forbearance from XXXX XXXX XXXX. 
My last payment to XXXX which was the previous company now Bankrupt was XX/XX/XXXX. 
In XX/XX/XXXX I made a payment to XXXX XXXX Mortgage. 
My forbearance with XXXX XXXX started in XX/XX/XXXX. 
I was never late on my mortgage. 
In XX/XX/XXXX I contacted XXXX XXXX and notified them business was picking up and I wanted to come off of forbearance. 
I made my XXXX trial payments on time in XXXX, XXXX and XX/XX/XXXX. 
In XXXX I signed the loan modification agreement. 
XXXX Mortgage took my XX/XX/XXXX payment and XX/XX/XXXX and applied them to XX/XX/XXXX which I already paid to XXXX in XX/XX/XXXX as the bank statements show. 
Cares Act states consumers can not be reported as late up to XX/XX/XXXX. I made my payment in XXXX as agreed. 
At this point I do not understand what payment was late? 

Thank you, XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-02 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:
XXXX XXXXXXXX XXXX is reporting me being late 30-60 days late in XXXX and XXXX of XXXX. 
I was in Forbearance from XXXX XXXX XXXX 
My last payment to XXXX which was the previous company now Bankrupt was XX/XX/XXXX. 
In XX/XX/XXXX I made a payment to XXXX XXXX XXXX 
My forbearance with XXXX XXXX started in XX/XX/XXXX. 
I was never late on my mortgage. 
In XX/XX/XXXX I contacted XXXX XXXX and notified them business was picking up and I wanted to come off of forbearance. 
I made my 3 trial payments on time in XXXX, XXXX and XX/XX/XXXX. 
In XXXX I signed the loan modification agreement. 
XXXXXXXX XXXX took my XX/XX/XXXX payment and XX/XX/XXXX and applied them to XX/XX/XXXX which I already paid to XXXX in XX/XX/XXXX as the bank statements show. 
Cares Act states consumers can not be reported as late up to XX/XX/XXXX. I made my payment in XXXX as agreed. 
At this point I do not understand what payment was late? 

Thank you, XXXX XXXX XXXX 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 2021-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

PARAMOUNT RECOVERY SYS Account number XXXX Original creditor XXXX XXXX XXXX. 
Date opened XXXX XXXX, 2021 Status updated XXXX 2021 Account type Collection Payment status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Balance {$950.00} Balance updated XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I had applied for forbearance XX/XX/XXXX and was granted a year and told to reapply in XX/XX/XXXX. Then last month XXXX times a day Im getting calls for Navient who is reporting all mg loans are behind which is not true due to all my loans are federal and there is also a pause by the government until XXXX not to mention I did forbearance till XXXX. They are calling my family, friends and my work. I have told them do not call many times I want communication via mail. The people are rude. They are calling for many numbers XXXX ( XXXX ) XXXX is the most recent one. Today starting at XXXX am so far I have received XXXX calls and its XXXX pm they will keep coming until XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Hello I am actually reaching out due to a account that was opened and is fraud with you guys. I have sent in supporting documents over three times now and still have no resolution. This needs to be corrected as soon as possible as it is affecting my living situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: FL

Complaint narrative:
I already sent you complaint few times and I just pulled for update my credit report I see you still didn't delete these negative accounts from my name. They are not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: OH

Complaint narrative:
I used their website to pay my bill. It automatically inserted the minimum payment but I needed to pay a few dollars more to bring it back under my limit. I entered the new amount and finished the transaction. When I checked my email a couple hours later there were XXXX transactions, the one I authorized for {$30.00} and the minimum payment of {$25.00} which I did not. I processed the payment at XXXX. When I called at XXXX I was constantly put on hold by the representative who was actually laughing at me. I was never transferred to a supervisor. I was told that because it was after XXXX central time it couldn't be stopped. I am in eastern time. My whole issue is that I didn't authorize XXXX payments. I was told once the XXXX payment posted and bounced on my checking account to call back. I did not authorize XXXX payments. It is unreasonable that they wouldn't correct their program mistake. Most credit cards have a way to stop a pending payment before the end of business that day. Laughing at me makes me wonder how many scam payments they collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MA

Complaint narrative:
I was injured and I couldn't not work for 2 years so i missed my payments and then I got back to work and for the last 3 years my payments were current. I had to file for bankruptcy protection even though I have been paying my payments for the last 3 years timely. I have asked Fay Servicing to provide my payment information history on the charges and credits and they sent me someones else 's information. My attorney asked for my information and they have yet to provide it still waiting after XXXX weeks. My lawyer returned the paperwork to them and we are still waiting for the correct paperwork. I have a property that I am selling that will bring me current with my payments, however, Fay Servicing still wants to auction off my house before XXXX time, not allowing me the chance to see close on my property which is under agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: CA

Complaint narrative:
Hello I am actually reaching out due to a account that was opened and is fraud with you guys. I have sent in supporting documents over three times now and still have no resolution. This needs to be corrected as soon as possible as it is affecting my living situation.

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 2021-12-02 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: CA

Complaint narrative:
Hello I am actually reaching out due to a account that was opened and is fraud with you guys. I have sent in supporting documents over three times now and still have no resolution. This needs to be corrected as soon as possible as it is affecting my living situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been working on my credit for almost a year and have been sending disputes to XXXX, XXXX, and transunion since XX/XX/XXXX but, as of today ( XX/XX/XXXX ) I have yet to receive one letter back from any of the credit bureaus. I don't understand how these people can ignore the law so blatently and how you, the government, which works for me and from my tax dollars refuse to do nothing. I have sent the credit bureaus dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That's 6 seperate disputes 45 days apart to each of the 3 bureaus and NOTHING back, not a peep! How are these companies allowed to function and circumvent the law this way! I have spent almost the entire year sending dispute letters with not one letter back! I want you to do your job and force the credit bureaus to obey the law, the fair credit reporting act clearly states that if the credit bureaus do not do their job and complete their investigation within the proer guidelines, they are supposed to delete the disputed information from my credit reports. Please have XXXX delete the incorrect social security number ending in XXXX, incorrect social security number ending in XXXX, and have XXXX, XXXX, and transunion remove the following incorrect accounts from my credit reports : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-02 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 have been working on my credit for almost a year and have been sending disputes to XXXX, equifax, and XXXX since XX/XX/XXXX but, as of today ( XX/XX/XXXX ) I have yet to receive one letter back from any of the credit bureaus. I don't understand how these people can ignore the law so blatently and how you, the government, which works for me and from my tax dollars refuse to do nothing. I have sent the credit bureaus dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That's 6 seperate disputes 45 days apart to each of the 3 bureaus and NOTHING back, not a peep! How are these companies allowed to function and circumvent the law this way! I have spent almost the entire year sending dispute letters with not one letter back! I want you to do your job and force the credit bureaus to obey the law, the fair credit reporting act clearly states that if the credit bureaus do not do their job and complete their investigation within the proer guidelines, they are supposed to delete the disputed information from my credit reports. Please have XXXX delete the incorrect social security number ending in XXXX, incorrect social security number ending in XXXX, and have XXXX, equifax, and XXXX remove the following incorrect accounts from my credit reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
My name is XXXX XXXX. I have been a loyal member of the Pentagon Federal for about 10 years. I initiated a mortgage refinance in early XXXX. My loan processor XXXX XXXX has been extremely unresponsive to date. I have been feeling neglected throughout the entire loan application because XXXX has spoken to me via telephone 1x through this process. My estimated closing was yesterday XX/XX/XXXX. On XX/XX/XXXX I received a forwarded internal email stating something to the affect of my property was not eligible for the refinance due to XXXX XXXX  guidelines. I immediately requested a call from a manager on XX/XX/XXXX for clarification but have not heard back to discuss further. While awaiting a callback from a manager I did my own research and reviewed the XXXX XXXX guidelines and found multiple exemptions to the guideline. The XXXX XXXX  links were sent to my loan officer and processor for consideration. After forwarding the information I have not heard anything from Pentagon Federal. 

Again I have not been able to speak with XXXX XXXX nor a manager to discuss any additional programs within XXXX XXXX guide or options to help me as a valued member. 

This has been the worst service Ive received in my life. I do hope that Pentagon Federal understands the severity of this as we are currently in a pandemic, I have been working to decrease my expenses due to this pandemic. I feel Pentagon Federal has not assisted me with my financial goals and I feel abandoned by Pentagon Federal.

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 2021-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Initial contact with coinbase : Coinbase XXXX XXXX XXXX  has XXXX of my dollars in limbo Just another post confirming Coinbase XXXX will send your tokens with no Memo and it will be lost if you use the coinbase XXXX XXXX sent XXXX $ to another exchange and know for certain that it had the memo on there as I used a saved address that has worked without issue in the past more than once. I have created a case # XXXX and the first response was them saying the transaction went though and went to the right address. But without that memo i will never see it and it is gone. Coin base where are you at? you should immediately cease withdrawals requiring memo on you app and refund me all my money as it is lost. then Fix your app. your a huge company and this issue is all over the internet with multiple confirmations that the app is bugged. 

Hello XXXX, Thanks for reaching out. 

We're aware of this issue and working to fix it as soon as possible. 

Cryptocurrency transactions on the blockchain are irreversible, meaning after they are sent, there is no way for us to reverse the transaction or recover these funds. 

Our best recommendation would be to reach out to the party you intended to send these funds to and see if they can help you recover the funds. You can provide them with the link to your transaction available here : XXXX XXXX XXXX We appreciate your patience and understanding. 

Kind regards, Coinbase Support This is unacceptable as they have now stated they know about the issue but basically sorry we cant do anything. The other exchange wants XXXX $ to get it back. I have now asked for a XXXX $ credit to at least cover the recovery fee..at the end of the day its a coinbase error and they should be the ones fixing it and incurring all fees and contacting the other exchange not me. So as of now i am still out XXXX $ and nothing has been said by coinbase of how they will make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I filed a police report for identity theft on XX/XX/XXXX. Someone used my identity to rent an apartment and has a debt for {$15000.00} unpaid. I found that by viewing my credit report and found a collection there which didn't belong to me. So I called the collection company and they asked me to call the XXXX XXXX XXXX XXXX XXXX. I called them and get the information below. Then I sent them the affidavit for they requested and ask them the send me the leasing agreement of this debt. They did that and I found they don't even have my signature on it. I have attached the leasing agreement below as the supporting doc. 

Original debtor XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, PA XXXX, XXXX ) Debt collection company : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX, GA XXXX, XXXX ) XXXX XXXX XXXX  XXXX XXXX ( XXXX, account number : XXXX ) Lease contract starts : XX/XX/XXXX Eviction filed : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: EQUIFAX, INC.
State: IA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was charged double by a Bank of America merchant in XX/XX/XXXX- XXXX XXXX. I paid the disputed amount in good faith until XX/XX/XXXX. XXXX XXXX never credit my account, Bank of America finally credited the disputed amount in XXXX of XXXX. I started subtracting the disputed amount in XX/XX/XXXX along with interest charge. I continued to pay my current month charges in full and was charged more interest each month and continued to deduct the additional interest charges along with the disputed amount. Bank of America has refused to credit my account for the interest which now amounts to over {$400.00}. They state that only the interest that is related to the duplicate charge is refunded not the interest on the monthly charges THAT ACCRUED DUE TO THE DISPUTED AMOUNT NOT BEING CREDITED. if the original disputed amount had been credited in the first place there would have been no interest charges since I pay off my balance IN FULL each month. I have called repeatedly and they tell me that they will review and never bother to notify me of the determination and in the meantime interest continues to pile up. This can not be legal. I plan to file in small claims court because today when I called once again, they finally told me that there is no way they are crediting the interest due to me. They have all the records and notes on the calls I have been making to them since XXXX of 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 monetary relief
Consumer complaint received 2021-12-02 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: OH

Complaint narrative:
Hello, I sent 3 dispute letters to XXXX XXXX  and equifax on XX/XX/XXXX disputing incorrect information from my credit reports and have not received any response as of yet. it's been 3 months, what is going on? I sent another letter to each of the credit reporting agencies in XXXX but, nothing again. From what I understand, if the credit reporting agencies don't respond they have to remove the disputed accounts, well, that is exactly what I am requesting - I want XXXX, XXXX, and equifax to remove the accounts I disputed on XX/XX/XXXX which are XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  and there is also an inquiry on my credit report that I never initiated from XXXX on XX/XX/XXXX that I would like removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Hello, I sent 3 dispute letters to XXXX experian, and XXXX on XX/XX/XXXX disputing incorrect information from my credit reports and have not received any response as of yet. it's been 3 months, what is going on? I sent another letter to each of the credit reporting agencies in XXXX but, nothing again. From what I understand, if the credit reporting agencies don't respond they have to remove the disputed accounts, well, that is exactly what I am requesting - I want XXXX, experian, and XXXX to remove the accounts I disputed on XX/XX/XXXX which are XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and there is also an inquiry on my credit report that I never initiated from XXXX  on XX/XX/XXXX that I would like 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