vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Original dispute : XXXX XXXX, XX/XX/XXXX Paid in full : XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
There is a credit card that was opened under my maiden name in XXXX of 2019 but I got married XX/XX/2019 and it was opened after. I changed my name the next business day after getting married and I wasnt aware of it until we tried to get a house this year. I opened one with a XXXX $ credit but I closed it because I no longer needed it. And now this one is unknown to me and its in collections so Im trying to figure everything out

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 2021-03-31 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: Security Credit Services, LLC
State: OK

Complaint narrative:
Security credit services sent my account to XXXX XXXX and XXXX for collection, the amount they sued me for was {$2200.00} after court the amount increased to {$3000.00} for attorney fees, court costs.. However I've paid on this account and my balance is {$400.00}, on my report is shows a balance of {$2300.00}. I have called them several times to fix my report, all they do is say you owe {$2300.00} and transfer me to XXXX  XXXX and XXXX, when I call them they tell me I don't owe that much and they don't report to the credit bureau and that I have to contact SCS, it just keeps going back and forth. every time I make a payment my balance should decrease and it hasn't. it stays the same. I sent a dispute to XXXX  on XX/XX/XXXX, they contacted Security credit services but they only reported {$50.00} what about the {$1800.00} I paid? if my balance started at XXXX how is it XXXX? especially with me making payments each month. I'm ready to pay this account off but i need accurate information on my report, this is hurting my credit score. I have receipts of payments and my balance. They need to fix this issue now or remove the account completely for reporting wrong information on my credit report. this is on all 3 credit reports, I need all my reports updated with correct information as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NC

Complaint narrative:
In mid XXXX Discover Card sent me notification via mail and phone that I was delinquent on a my Discover card and that I owed them {$9500.00} which I disputed and asked them for proof that this was my loan. Discover never provided any such documentation. The Discover hard I did have was closed with the highest balance being {$5600.00} to the best of my recollection. I pulled my credit report and did see the closed account, and also the account discover was referencing. Discover never provided me with any contract or proof this was indeed my debt, but they did add it to my credit report. 
In late XXXX I was issued a court summons, Discover using a private debt collection firm called XXXX and XXXX was suing me for the debit. I filed a sworn statement of denial of the debt, and asked the court to dismiss the case. While waiting for the date, XXXX and XXXX filed a motion for summary Judgement. In my response I stated this was not my debt again. When I appeared in court the attorney representing Discover called me into a room where she tried to coerce me into paying the debt. When I refused, it went before the Judge. The judge was angry at a previous case and read over mine, said I do not see any denial here and ruled in XXXX and XXXX 's favor. Over the last 8 years I have been sent repeated letters threatening action, and attempting to get me to pay for the debt. I have been unable to refinance my home, or do many normal credit related things, including help my aging mom a home recently, Also over the last 8 years as my credit began to improve Discover card began sending me pre approved credit offers to attempt to get me further into debt. The entire time they were sending letters to collect a debt on a fraudulent judgement against me and my only home. I saved over 17 pre approved credit offers from Discover card, and have XXXX of the debt collection letters one from XXXX and XXXX from XXXX. The credit offers are from various years and some were never opened. All addressed to me offering me " 0 percent rates '' and " XXXX XXXX ''. Some of the offers are even personalized inside, addressing me by name saying how Discover wants to help me. All the while they have a fraudulent Judgement against me, for an amount I never owed, that is preventing me from living my life and helping my family, We are trapped HELP PLEASE Amount XXXX and XXXX / Discover say I owe is : XXXX for account ending in XXXX. Original Judgement for XXXX ( not my debt ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: Money Management International, Inc.
State: CA

Complaint narrative:
I was referred to Money Management International by my bank as a method to overcome a mounting credit card debt issue pertaining to unsteady employment. I had previous consolidated with a personal loan but quickly built up the balance on my cards again. MMI set up 5 year plan, and most accounts are being repaid on schedule except for the largest account, the personal loan. In the nearly three years so far, several payments have come in close calls of being late. Despite the money being taken from my account the month prior. Check are lost and the follow up process is often left to me. This particular occasion a check was unaccounted for for nearly 25 days, and luckily my loan service reached out and I was able, with some financial strain, to make that payment directly. 

Reaching out to MMI they said they would send their research team on it, and would determine if the check was lost. I updated them with all the information from the lender and gave clear instructions to cancel their check and refund my payment. They refused to comply saying they must determine if other checks from other payers are included in that lost batch so therefore I must wait at their convenience to receive a credit. 

I spoke very clearly to the customer service a second time, after not receiving follow up from the research team, that I can not trust a company that puts the error of lost payment on my burden to solve and cover, let alone wait 30+ days for a resolution. I have not received any resolution and my financial status is strained because of this. I have never been late with my commitment to MMI and I feel trapped.

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 2021-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
I have reported Coinbase to the FBI Cyber-crimes OMB CONTROL unit under their consumer fraud division. Also filed case with NYSDFS, Filed report with the Federal Trade Commission and The Attorney General of Virginia. Demanding that this matter be handed over to their legal department. I have never even tried to use these funds to buy crypto. This all began Thu, XX/XX/2020 and still without a simple call or answer where my {$32000.00} are. I want these funds transferred back to my bank and the account close.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Back in XX/XX/XXXX I open a credit card with XXXX XXXX XXXX  with a {$500.00} credit limit. It was charged off in XX/XX/XXXX. I filed for bankruptcy in XX/XX/XXXX and I got the card to help build my credit back up. I ended up being out of work for little while and got behind. I moved in XXXX and got married in XX/XX/XXXX. In XXXX of XXXX, my son was in a very life threatening accident and was in the hospital for a while. In XX/XX/XXXX Midland Credit had me served at my old address for a judgement. My sister or someone claiming to be my sister happened to be close to the house and took the paperwork. When I was notified I went to the courthouse and signed the paper to request a hearing. Well my son was still in the hospital and I forgot about the court. So they filed against me. Midland, per their attorney XXXX XXXX  XXXX also filed for a FiFa to be placed on my property in XX/XX/XXXX, because they knew that I came off my bankruptcy in XX/XX/XXXX. So in XX/XX/XXXX Midland credit begin to report the debt on my credit as their debt. They are now saying that I owe {$1000.00}. My complaint is for the amount of time that the debt was placed in their office XX/XX/XXXX. They were pulling my information because they knew of the public records about the bankruptcy so they could see my new address and contact information. Also I have 2 open credit card accounts with XXXX XXXX right now. They use the the XXXX XXXX XXXX law office to collect their money and will not deal with the debtor. The XXXX XXXX  XXXX law office have random people calling and working on the case. And they are very unprofessional and will not return calls or answer emails. They even had an attorney from different area to step in on their behalf. My case number is Midland Funding is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I was advised by relationship manager XXXX to hand write a dispute letter regarding the only option ( modification ) I was offered at the end of my Covid-19 forbearance plan. 
Being that I haven't handwritten a letter in many decades, It may be difficult to read. To summarize : I entered the forbearance period as my small business is just now reopening with limited capacity, thus affecting revenues significantly. I was under the understanding that missed payments would be deferredto the end of my loan. 

I contacted SPS in XXXX after being made aware of a Biden Administration extension to the forbearance period of 3 months. I was advised to fill out a form on the SPS website to indicate that I was still impacted by the Covid-19 pandemic, which I did - thinking this was a necessary step to obtain the extension. Instead I was offered a loan modification which reamitorizes the loan, extends the loan and results in an increased monthly payment. 

It is my hope that through this correspondence, that I may be able to obtain the original understanding of deferredpayments and an extension of forbearance by 3 months as I work towards reopening my business. If this is not possible, I'd like to be considered for a modification where my existing interest rate is lowered reflective of current rates, in addition to any options that may lower my payments during these difficult financial times. 

I have attached the letter to this email. 
Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
" WARNING '' Medical Revenue Service shared a copy of my personal medical treatments. I did not give orginal creditor my consent to share PHI ( ( protected Health Information ) with any collection agency of such balance/ treatments. This was a violation of my HIPAA rights. Please be aware that HIPAA allows for fines in the amount of {$10000.00}. Per violation. This account must be deleted immediately off my credit report for violation of the HIPAA LAWS!

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 2021-03-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I leased a XXXX XXXX and bought the vehicle at lease-end. The title was held by XXXX XXXX XXXX Trust. I paid for the vehicle in full, plus tax, on XX/XX/2020. The amount I paid in sales tax, {$1300.00}, was clearly added to the payout and documented on the XXXX. First, it took nearly four months and multiple phone calls to get the title sent to me. Included in that mailing was a cover letter, the title, and the bill of sale, which is what I took to the Secretary of State office to get the title transferred. They informed me that this documentation only shows that I paid the tax, it does not verify that the tax was paid by XXXX to the state. The Secretary of State office said I need a " receipted copy '' of the ST-556 with a confirmation number, which verifies tax was paid to the state. After multiple additional phone calls to XXXX, I received a copy of the ST-556 that did not have a confirmation number. I called again and after a long call the customer service rep told me that the Tax Return Number on the XXXX is the confirmation. Another trip to the XXXX of XXXX office ( and more time off work XXXX and they explained this is not the confirmation number and gave me a printed example of exactly what I need. I have since talked with two additional people at XXXX customer service and still dont have the correct documentation to get the title transferred. They are now telling me it can be two weeks, even when escalated. No one has even been able to confirm for me that the tax was actually paid. My current lienholder is demanding proof that the title is in their name yet XXXX is keeping me from transferring the title. It has been almost six months since I paid for this vehicle in good faith. They either didnt pay the tax or are refusing to send me the correct documentation. I have called nine times with no resolution and consider this fraud at this point.

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 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PNC Bank N.A.
State: PA

Complaint narrative:
The account never had any late payments. PNC Bank close the account in XX/XX/XXXX I sent an account verification back in XX/XX/XXXX They have not responded today is XX/XX/XXXX Which is way more than 30 days Now they have illegally altered the information on the account since then, I have documented proof of my credit report stating the truth and now they are changing things to make it harm me. 

Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from your company. 


Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 




- I demand this account be deleted from my credit report on all three bureaus and the other consumer reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
There is a manager at this company that ran my credit without my authorization. There was no reason for the company to inquire about my current credit profile due to the fact that I already have an account with the business that is active, current, and in good standing. I did not give this company permission pursue a credit check at all. The company is XXXX XXXX located in XXXX XXXX, IL. The finance company thats works with the facility is CNAC Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
My lender keeps on lying and giving false information. I submitted an application for loss mitigation to keep my home but they stated the investor does not offer Modification that is why there was no review made. They accepted the application and now they are telling me that my application cant be reviewed when they clearly said that I have options. They are not helping me at all with situation. All I want is help to save my home and have my application reviewed and modified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I applied for a mortgage loan for the sum of XXXX from Bank of America Tue, XX/XX/2020. At the time of application, I was discouraged from applying by the loan officer before gathering all of my information - Which prompted me to seek another loan officer in my local area. 

I submitted all of my information and was exposed to significant unexplained delays. Although my application was qualified by several other banks for an unknown reason this bank did not approve my application and failed to notify me of the exact reason and did not provide me the opportunity to address any addressable issue. I wrote the following letter on XX/XX/XXXX and did not receive any clear explanation in response. 

Good morning XXXX XXXX, I am writing to request a detailed letter of explanation regarding why my mortgage loan application for the purchase of XXXX XXXX XXXX, XXXX, New Jersey, with a purchase price of {$500000.00}, with a mortgage from Bank of America, Loan Number # XXXX in the amount of {$470000.00} was denied. 

I was requested and was promised this information by XXXX, the primary mortgage loan officer, over two 2 weeks ago. However, to date, I have not received the said information. 

I request that this matter be treated with the highest degree of urgency. 

Thank you in advance. 

Regards, I was significantly disadvantaged by this transaction and feel like I was not given an equal credit opportunity by BOA

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 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/21 Trans union dropped my credit score 100 points after I paid a credit account down to 3 %. XXXX increase my score by 20 points on XX/XX/21 and so did XXXX. I contacted trans union on XX/XX/21 at XXXX to report the mistake. But the people there said it dropped because I filed a dispute. Your credit score can't be dropped because you file a dispute. I filed the same dispute with the two other credit bureau. And my score increased. I tried to explain that it was a mistake and please correct it. As if today it hasn't been corrected.

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 2021-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
I was counseled at closing on my home in XXXX that at one point my PMI would go away. 
Sometime in XXXX, when I had owned the house for 5 years, I inquired about removing my PMI. I was told that I needed to pay down the mortgage so that there was an 80 % loan to value ratio. After I achieved that, I was counseled that I could have the PMI removed. This answer was delivered to me after the bank rep " researched '' the answer. So I commenced to save and am in a position to pay down the balance so that I can remove my PMI. I inquired today with the bank about how close was I to removing PMI and how I went about initiating the process. I am told today that I will never be able to remove the PMI and that the payment will carry with life of the loan.

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