vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I had purchased a house jointly with my now ex-husband in XXXX. In XXXX we divorced. As part of the divorce I relinquished all rights to the house to my ex-husband. The loan was sold/tranferred at some point. The loan periodically appears on my credit report. My ex-husband is currently past due on payments. I contacted the mortgage company and they told me I was joint on the account and the only way to remove me from the account would be for my ex-husband to refinance. I offered to provide them with my divorce papers and they declined, again stating they would not be able to take my name off the account. In XXXX/XXXX I had disputed this with the 3 major credit reporting agencies. XXXX and XXXX have removed this from their reports after I submitted the divorce documents. Experian will not remove this. I recently completed another dispute with Experian ( XXXX/XX/XX/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 2021-10-27 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: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2021, I received notification of a hard credit inquiry on my XXXX credit report. Per the credit report, the hard inquiry was made by : US Bank XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX I did not authorize this inquiry and want it removed from my credit report. 

Thanks.

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 2021-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
Today XX/XX/2021 I attempted to transfer funds from Coinbase to my credit union account / debit card. I received an error message stating " We're having connection issues. Please try later. '' I tried later, repeatedly, and got the same answer. I have {$7000.00} in Coinbase, and I need it today. My email with them is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
Upon selling our home, we transferred the loan on the solar panels to the new homeowner. The owner was required to become pre-approved and sign an agreement with Loanpal, aka XXXX ( as of XX/XX/XXXX ). Loanpal released the Lien on the home once all of the contingencies were met so that we could close. We closed on our Home on XX/XX/XXXX. The XXXX payment was autodrafted from our account and upon calling and inquiring Loanpal stated it was because the account had not been fully transferred but to not worry they would not be auto drafting our payment anymore. A couple of months go by and we started receiving letters regarding delinquent payments. We contacted Loanpal and they said to ignore the letters that the transfer process was not finalized but that it would not show up on our credit etc. XX/XX/XXXX The transfer process was finalized and we received a letter with a XXXX balance. However during the time between XX/XX/XXXX and XX/XX/XXXX Loanpal reported delinquencies to our credit report and they continue to report the balance due of our previous loan as well as the standing of the loan being 90+ pays past due. This has sent our credit scores plummeting and is false information being reported to the credit bureaus. Loanpal has refused to fix the issue when contacted. We have disputed the claims with the credit bureaus and are currently awaiting results.

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 2021-10-27 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: MO

Complaint narrative:
Unauthorized use of my credit report. Reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This happened on XX/XX/2021 around XXXX XXXX .I deposited $ XXXX {$1400.00} at the ATM # XXXX at the Branch on 5XXXX XXXX XXXX., XXXX, CA Branch # XXXX . I click on the email button expecting to receive thereceipt of my deposit via email but never got an email from CITI Bank and the money was not deposited in my account.

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 2021-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
I have been on forbearance and am now trying to exit by using the partial claim/junior lien process . I have been in touch with Mr. Cooper representatives and they keep saying I owe {$25000.00} but my mortgage loan statement says I owe {$19000.00}, which includes the missed escrow payments. They have now sent me a letter stating the {$25000.00} amount will be on the junior lien. I have not signed anything yet because of the discrepancy but the end of my forbearance is XX/XX/XXXX. 
My escrow was included in my monthly payments but they are saying I also owe the escrow amount again. So I would be paying the escrow amount twice. Once, within the {$19000.00} amount and then again for the escrow balance of - {$5600.00}. I called Mr. Cooper again yesterday. I can't get anyone there to see my concern, they just say I owe it. I asked this to be escalated to a manager but they told me it would be 24 to 48 hours before they get back to me. In the meantime they are preparing the documents for the junior lien with the wrong amount. 
The partial claim " plan '' says the junior lien is for the amounts I did not pay during my COVID-19 hardship. What I did not pay was {$19000.00}, as of XX/XX/XXXX. 
Please see the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2021 at XXXX ( according to my bank statement ) I withdrew some cash with my Citibank debit card at an ATM on a busy street in XXXX , XXXX . Then I went on about my day being a tourist. On XX/XX/2021, I noticed I no longer had either my Citibank debit card or my XXXX XXXX credit card. I instantly reviewed my accounts and noticed that there were charges on both cards that I did not make and several cash withdrawals on my Citibank debit card. I called both companies on XX/XX/XXXX reporting the charges as fraud. XXXX XXXX credited all the charges back to my account with no issue. However, Citibank are refusing to credit my account for some charges even after approving crediting my account the cash withdrawals that happened on XX/XX/XXXX even before the merchant charges that happened on XX/XX/2021. They are refusing to credit back my account for {$2500.00} that happened on XXXX XXXX at XXXX, {$1200.00} on XX/XX/XXXX at XXXX, {$1000.00} on XXXX XXXX at XXXX, {$11.00} on XX/XX/XXXX at XXXX, {$11.00} on XX/XX/XXXX at XXXX, {$4.00} on XX/XX/XXXX at XXXX and also all the foreign transaction for charges ( {$75.00}, {$37.00}, {$31.00}, {$0.00}, {$0.00} ) which I did not make any of these charges. These merchant charges were all made on XX/XX/XXXX after the cash withdrawals. I have appealed their decision three times now, but they have not given me any substantial reason why. I even told them that I have a witness that will confirm that I did not even leave the XXXX all day on XX/XX/2021. The latest case # I had open was XXXX and they have could not resolve the dispute in my favor. I have been a customer for over 10 years and never had any issues with my account, but now I can not get my money back for fraudulent charges that I did not make.

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 2021-10-27 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: NY

Complaint narrative:
I have been trying to dispute a chapter XXXX bankruptcy for the last 7 years with all three credit berraus and even XXXX and nothing has been resolved. It was taken of off equifax 2018 but its still showing on Experian and XXXX XXXX. I am trying to have a fresh start and its not right these XXXX XXXX and the credit bearus make it so hard to get a bankruptcy off even when it said it may stay on your credit. It doesnt have to. I was advised us bankruptcy courts dont supply information to them. They are purchased through XXXX XXXX. Please try to assist in getting the bankruptcy off because its been very difficult to get my finances back and running.

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 2021-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This company calls themselves Midland Credit. 

They keep calling about a credit card account in the amount of over {$500.00} that they claim I owe from 10 years ago. 

I have repeatedly asked for them to send me validation of this debt because I don't recall anything about it. 

But they just keep sending bills which is NOT proof of the supposed underlying debt. 

As of lately, they call ALL the time. 

They just dialed my phone 5 TIMES within 1 minute. 

When I called back, the person I spoke to was aggressive and insulting and I had to hang up on him because he just kept saying they have validated this debt which they never have. 

I gave him my current mailing address to send validation, but they never do. 

I'm tired of being HARASSED by these people. 

Please help! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
On XX/XX/21 I paid a single upfront premium at closing for our PMI of {$2800.00}. Since closing i have paid all mortgage payments on time. On XX/XX/21 I made a {$22000.00} payment towards my principle to so that our LTV was at 80 %. On XX/XX/21 I submitted a request to cancel our PMI and request a refund for a prorated amount of the prepaid PMI premiums. On XX/XX/21 I received a response to my request and that a PMI cancelation authorization form would be sent via mail. After waiting a few weeks, i reached out to Newrez 's customer support to inquire when i would receive this letter in the mail. I was first told that they would research and to call back in 5 business days. When i called again, i was told they would resend the letter and to call back in 5 days. After some additional attempts, on XX/XX/21 i was told that the PMI was canceled but that i was not entitled to a refund because the Mortgage Insurance Certificate labeled it as " Non-Refundable. '' After more research on the Homeowners Protection Act, i called again on XX/XX/21 to dispute their finding, and spoke with XXXX, and then XXXX telling them I never received a formal letter rejecting my cancelation request, or received the PMI cancelation authorization form mentioned in their initial email response. XXXX said that she would put it in for additional research and that they would send me a letter within 7-10 business days. On XX/XX/21 i still had not received a letter or other response from Newrez and called them. I spoke to supervisor XXXX XXXX and again expressed my frustration and that i believe that who ever is reviewing the request is not appropriately applying the Homeowner 's Protection Act and the return of the unearned premiums. I asked to speak to someone in that department but was told that was not possible but that she would try to connect with that department and explain what was happening. She also gave me her contact information. On XX/XX/21 i received an email from their loan servicing department stating that the cancelation note was an error in their system and that the MI Certificate was a single premium paid upfront for the life of the loan and with no refund option. And that even if the XXXX carrier allowed for the cancelation, that i would not be entitled to a refund. There was no option to respond to this email, and when i called the number provided to me by XXXX XXXX, i received a busy tone. Again I feel that they are not properly applying the Homeowners Protection Act when reviewing and evaluating my cancelation request. I am filing a complaint with the CFPB as i do not feel further attempts to communicate with NewRez 's customer service will achieve different results.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
This was already complained upon about a debt trying to be collected on for Capital one, in the amount of XXXX, called the company XXXX XXXX XXXX, they in fact did tell me it was included in the bankruptcy and not sold to them, her name was XXXX just spoke to her!! My account was NOT sold, was included in bankruptcy!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
1 ) On XX/XX/XXXX I purchased a MasterCard Gift Card from XXXX issued by US Bank National Association and serviced by XXXX. Card number : XXXX XXXX XXXX XXXX. 
2 ) On XX/XX/XXXX I activated the card and discovered that on XX/XX/XXXX there was a single fraudulent charge of {$190.00} for a XXXX gift card. I immediately notified XXXX at XXXX. After an extended hold I spoke to a XXXX. She directed me to send my contact info, proof of purchase, copies of the front and back of the gift card, the merchant information, and the reason for my dispute by fax to : XXXX. 
I have copies of those documents and fax verifications. 
3 ) On XX/XX/XXXX I faxed a letter demanding action along with another copy of the items faxed over previously. 
4 ) Life got in the way and there was no follow up until XX/XX/XXXX. 
5 ) On XX/XX/XXXX I spoke to a XXXX who took my info and she said she would forward the info and notify the fraud unit. She also instructed me to email documentation directly to the fraud division at : XXXX, which I did. 
6 ) On XX/XX/XXXX I made a follow up call and was lucky enough to speak to XXXX again. ( I remember her as understanding of my plight. ) She transferred me to a supervisor identified as XXXX XXXX. XXXX XXXX informed me that on XX/XX/XXXX there was a {$200.00} provisional credit issued to a XXXX XXXX. She had no explanation as to this XXXX XXXX. She told me that she would submit an escalation advising of the credit being issued to the incorrect party. She told me someone from the escalation department would contact me within 24 hours. 
7 ) On XX/XX/XXXX I spoke with a XXXX who identified herself as a floor supervisor. I related the whole story ( again ) including the question as to why the credit was not issued to me or why I have never been contacted. She told me that no one in a higher supervisory role was available to speak with me. And she promised that I would be contacted within 24 hours. 8 ) Cricket
s! 
I have documentation for all of the above events. I have been stonewalled with their hope that I would just go away... and it almost worked. I am fortunate that I am not in dire financial straits and desperately needed the money. I believe their tactics routinely take advantage of those less fortunate.

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 2021-10-27 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: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
Upon selling our home, we transferred the loan on the XXXX XXXX  to the new homeowner. The owner was required to become pre-approved and sign an agreement with Loanpal, aka Goodleap ( as of XX/XX/XXXX ). Loanpal released the Lien on the home once all of the contingencies were met so that we could close. We closed on our Home on XX/XX/XXXX. The XXXX payment was autodrafted from our account and upon calling and inquiring Loanpal stated it was because the account had not been fully transferred but to not worry they would not be auto drafting our payment anymore. A couple of months go by and we started receiving letters regarding delinquent payments. We contacted Loanpal and they said to ignore the letters that the transfer process was not finalized but that it would not show up on our credit etc. XX/XX/XXXX The transfer process was finalized and we received a letter with a XXXX balance. However during the time between XX/XX/XXXX and XX/XX/XXXX Loanpal reported delinquencies to our credit report and they continue to report the balance due of our previous loan as well as the standing of the loan being 90+ pays past due. This has sent our credit scores plummeting and is false information being reported to the credit bureaus. Loanpal has refused to fix the issue when contacted. We have disputed the claims with the credit bureaus and are currently awaiting results.

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 2021-10-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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:
I have been trying to dispute a chapter XXXX bankruptcy for the last 7 years with all three credit berraus and even XXXX and nothing has been resolved. It was taken of off XXXX  XX/XX/XXXXbut its still showing on XXXX and trans union. I am trying to have a fresh start and its not right these XXXX XXXX and the credit bearus make it so hard to get a bankruptcy off even when it said it may stay on your credit. It doesnt have to. I was advised us bankruptcy courts dont supply information to them. They are purchased through XXXX XXXX. Please try to assist in getting the bankruptcy off because its been very difficult to get my finances back and running.

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 2021-10-27 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: LEXISNEXIS
State: NY

Complaint narrative:
I have been trying to dispute a chapter XXXX bankruptcy for the last 7 years with all three credit berraus and even lexisnexis and nothing has been resolved. It was taken of off XXXX  XX/XX/XXXXbut its still showing on XXXX and XXXX XXXX. I am trying to have a fresh start and its not right these lexis nexis and the credit bearus make it so hard to get a bankruptcy off even when it said it may stay on your credit. It doesnt have to. I was advised us bankruptcy courts dont supply information to them. They are purchased through lexis nexis. Please try to assist in getting the bankruptcy off because its been very difficult to get my finances back and running.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
Fifth Third refuses to provide me the original note and original deed of trust, as they are required to since my mortgage is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
my father had a reverse mortgage. he passed away in XXXX i have been trying to work with the service provider as the sole heir. they keep changing hands and losing paperwork. its been ongoing 17 months now. now they have broken into the property and charged me XXXX bucks for their mishap. i need help. and i want them to be held accountable for all the errors over the years. they took advantage of my XXXX year old father multiple times with these predatory loans.

Company response to consumer: Closed with explanation