vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-10 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: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: MI

Complaint narrative:
In XX/XX/2020 I started the process to refinance my house. My mortgage company is Loan Depot, after speaking with my mortgage broker ( XXXX XXXX XXXX  ) and getting the process started, he told me it looked we could go through Loan Depot and " upgrade '' to a conventional loan and that they would just need another appraisal and that would be good because the value of my house has gone up considerably since we purchased it. So the appraisal happened with a Loan Depot affiliate and it came back way low. This caused us to pause the process and reevaluate our refinance. In the meantime Loan Depot had already moved our mortgage into what I was told was " underwriting '' this makes it impossible to make the payment to the current loan without calling it in. Calling Loan Depot is a very difficult process very long hold times and many transfers to different departments within Loan Depot in an effort to figure out where to make the payment. I had the same problem every month. I got through XXXX XXXX and XXXX but many phone calls to do it. We revisited refinancing again after paying for another appraisal. This appraisal came back more in-line with the local market XXXX higher than the 1st. Since this second attempt it is even harder to get in contact with Loan Depot to make the payment while in negotiations.In XXXX I spent 5+ hours on the phone trying to make a payment they kept saying that they could not find my account " it must be in underwriting '' is what I was told again. I had them send me an email stating this as I was complaining that the payment was going to be late and I couldn't have it show up on my credit report because I was refinancing. XXXX XXXX assured me that wouldn't happen this was totally their fault. She follows up with the email and in the email and says that she found my account number and here is how you can make the payment. I try this and the automated system will not work. So it takes many more calls to finally make the payment but not until XX/XX/XXXX wich I paid both XXXX and XXXX then. 2 days later I get a notice from Credit monitoring app sends an alert that Loan depot flagged my account as late. This Drops my credit score XXXX points. I dispute this at XXXX and I called Loan Depot they said they would fix it. Next notification I get is from Experience saying that Loandepot has said that the late payment was accurate and they would not fix it. I called Loan Depot and requested a supervisor or manager to call me I was told they would call me within 24-48 hours. That was last Wednesday. I never heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: First Financial Resources, Inc.
State: RI

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I sent a letter disputing 2 collections reported by the same company. I have yet to see any documentation regarding these account nor their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a XXXX year old XXXX Vet that operates a small XXXX XXXX XXXX from the basement from my home. I completed an on line form to receive a SECOND SBA PPP Loan on or about XX/XX/2021, however, due to being diagnosed with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX, I inadvertently typed in my payroll figures based on a " weekly '' sum, however, I was unable to read the online form correctly, which asked for a " monthly '' sum, which resulted in being shorted {$30000.00} of what was to be my qualified loan amount. The bank, JP Morgan Chase, account only deposited 2.5 times the weekly payroll sum of {$7000.00}, rather than the {$37000.00} I qualified for, but due to my XXXX  in XXXX XXXX, I failed to read it correctly. I am the sole income earner in a family of XXXX, my kids are of college age, which I had very late in life due to XXXX  XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX that prevented me from having children in my first marriage. I sought to have this rectified by the bank, but in each and every instance, they stated, " sorry '' we can not assist you. I called the SBA which explained that the bank is in fact the lender and they were only guaranteeing the loans, and told me to seek help at a higher level, so I visited the bank and wrote to the CEO, but the branch manager, though sympathetic, couldn't help either and couldn't understand why the Chase PPP Department was not assisting me under these particular circumstances, however, they told me it was " too bad ''. I don't believe that I should be totally dismissed and not provided with the qualified loan, only because I am XXXX and made this error due to my XXXX XXXX. I have written to the XXXX and the XXXX XXXX XXXX as well, but this bank is so uncaring, I can't tell you, and I am in desperate straits, I have lost over 60 % of my ordinary income and in great debt, nothing I thought would happen at my age and circumstances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. This account is paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have contacted Wellsfargo over 10 times and filed several complaint.Being a member for almost 7 years I got a personal loan with them in 2018. I have contacted them about several inaccuracies on my personal loan. Recently I made a second attempt to purchase my first home and due to the negligence on the banks end I once again lost my opportunity because of my credit score.My report has been inaccurate for more than a year and I have never not made a payment .One of the payments is showing inaccurate but I reached out to the bank and advised that I was unable to make one due to inaccuracies with there online portal. I was told by several representatives and there executive office that I have nothing to worry about because no fees or negative impacts will affect me because it's an error on the banks end due to a system issue.Months later my credit report shows not only that I made a late payment but that I have a balance. My credit has dropped significantly due to this error and all I have received is empty promises.I will be making my third attempt soon to buy my home and I hope that the bank can correct this error.This has been no fault of my own .I would like all inaccuracies remove from my credit immediately.

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 2021-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.
State: PA

Complaint narrative:
Failure to Validate Debt XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA, XXXX XX/XX/2021 After reviewing your response, which is attached, I saw what looks like a bank statement that was sent from your company as an attempt to validate this alleged debt. A bank statement in no way shows any originality nor proof of this alleged debt which means it does not validate that this alleged debt is mine, as your company assumes. Those alleged charges could have been made by anyone, therefore it does not prove nor validate anything. Pursuant to 15 USC 1692g an assumption by any debt collector is not validation. Since your company, Client Services, has failed to provide any of the documents that was requested in my original letter, except a bank statement, to prove and validate that the alleged debt is mine, in which your company assumes. As a consumer, I do not give you consent to contact me again unless it is notifying me of the deletion of any and all references of this alleged account and the removal of this account from my credit file. 


Best Regards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
Sps stated on a recent letter dated XXXX XXXX that I did not mention Covid relief on XXXX XXXX. I, have wittinesses and documentation, .recordings. I, also spoke to XXXX XXXX on XXXX XXXX XXXX on XX/XX/21 XXXX all Covid 19 discussions deferral and trial modifications, I was told I needed profit loss 2 year tax return 2 month bank statement and occupancy. I was told and it was recorded by this individual Covid relief end date was XX/XX/XXXX-my call was XXXX XXXX. In accordance to rep XXXX. XXXX XXXX. XXXX pm IIm requesting information not to be reported on my credit and back mortgage for the two months to be added on the back of the loan and not separated to be sold for collections and few months later with extremely taxes and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I have been reaching out to Coinbase for 5 years now! In 2016 I had my account deleted they said I had violated a the user agree but never once explained what I did that was in violation. After I received that notice they said I would be able to withdrawal my funds and take them off Coinbase. The next time I had tried to log into my account it was deleted. I believe I have roughly XXXX in the account now. I explained my situation to them many times over the years and I requested an explanation for why my account was deleted and an account statement of all transactions for that account. Two reasonable things I believe I should be entitled too. I just got a response back last week and the completely ignored the fact that I need help logging back into my account to get my funds. And they never gave me an explanation as to why I had my account deleted or provided an account statement, however they did mention my funds were safe. I followed up about 3 times since and again unresponsive. 
I really just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: RI

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I sent a letter disputing 2 collections reported by the same company. I have yet to see any documentation regarding these account nor their investigation.

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 2021-04-10 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: RI

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I sent a letter disputing 2 collections reported by the same company. I have yet to see any documentation regarding these account nor their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I get multiple phone calls a day from different numbers that claim to be midland credit managment. I answer the calls no one says anything. Sometime I get a call at least once every hour of the day. Im still not sure what debt they are trying to collect on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-10 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
I have dispute multiple times with over the course of a few years about credit errors on my credit report.. I have reached out to the companies that have been reporting and I have notified the credit bureaus that the errors exist and every time I dispute them the end result is that it meets requirements. I have notified XXXX XXXX that the wrong debt collector is reporting on a collection account. I have tried to dispute it and twice it has come back that meets requirements. XXXX XXXX Is reporting on a XXXX account that has been bought by another agency and this has been disputed and and the credit bureaus will not remove it. I have reported that an apartment community its charging me incorrect balances over the past four years on both XXXX  and XXXX. At one point I had double entries for the same collection account. And they will no longer allow me to dispute it online which I dont think its fair when it is in accurate. I have a payment agreement with XXXX XXXX  which is showing the incorrect balance based on the payment agreement is still showing my total balance and its not showing my current payment history or balance with them. XXXX XXXX  which is been reported by XXXX XXXX XXXX has been informed that XXXX XXXX has fraudulently attempted to collect A substantial amount outside of what i owe to them and I cant get this corrected.. I had a lease fraudulently signed in my name and have been charged a termination fee because I was not living there during that time and cant get that off of my credit report.. I have been denied a job with the Department of Justice, denied a security clearance multiple times and most recently denied housing because of these errors. For someone whos trying to correct their finances I dont think that its fair that I can not reach out to these individual entities and get this corrected myself without having to pay someone they are taking advantage of the consumers ignorance towards the fair credit act and reporting.. I also do not believe that if an entity doesnt report my payment history at all or even good payment history ( ex : cable, cell phones, colleges, utility companies, insurance, rental payments, etc etc ) and when it is good they should not be allowed to report when consumer has financial difficulty and is unable to pay. It is a predatory practice and it is not fair to the consumer.

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 2021-04-10 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: First Advantage LNS Inc.
State: VA

Complaint narrative:
I have dispute multiple times with over the course of a few years about credit errors on my credit report.. I have reached out to the companies that have been reporting and I have notified the credit bureaus that the errors exist and every time I dispute them the end result is that it meets requirements. I have notified XXXX XXXX that the wrong debt collector is reporting on a collection account. I have tried to dispute it and twice it has come back that meets requirements. XXXX XXXX Is reporting on a XXXX account that has been bought by another agency and this has been disputed and and the credit bureaus will not remove it. I have reported that an apartment community its charging me incorrect balances over the past four years on both XXXX  and XXXX. At one point I had double entries for the same collection account. And they will no longer allow me to dispute it online which I dont think its fair when it is in accurate. I have a payment agreement with XXXX XXXX which is showing the incorrect balance based on the payment agreement is still showing my total balance and its not showing my current payment history or balance with them. XXXX XXXX  which is been reported by XXXX XXXX XXXX has been informed that XXXX XXXX has fraudulently attempted to collect A substantial amount outside of what i owe to them and I cant get this corrected.. I had a lease fraudulently signed in my name and have been charged a termination fee because I was not living there during that time and cant get that off of my credit report.. I have been denied a job with the Department of Justice, denied a security clearance multiple times and most recently denied housing because of these errors. For someone whos trying to correct their finances I dont think that its fair that I can not reach out to these individual entities and get this corrected myself without having to pay someone they are taking advantage of the consumers ignorance towards the fair credit act and reporting.. I also do not believe that if an entity doesnt report my payment history at all or even good payment history ( ex : cable, cell phones, colleges, utility companies, insurance, rental payments, etc etc ) and when it is good they should not be allowed to report when consumer has financial difficulty and is unable to pay. It is a predatory practice and it is not fair to the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
They caused emotional and financial strain by holding my money 5days1 then saying they were gon na hold it 5more posting a positive available balance then taking it putting me negative XXXX closing my account and not giving me my money while I'm at the bank telling me I can check if my funds are there and if the bank will let me come get them No they closed my account withholding {$830.00} either expidite the _XXXX or release the {$1400.00} immediately I'm XXXX  XXXX and the dress they have put on me is enormous

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 2021-04-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I purchased an item for on XX/XX/21 for {$110.00} from a company named ledger. I wanted to return the item and reached out the vendor after receiving the product. I was advised the item needed be sent to XXXX for a refund within 14 days. I got a shipping quote that was about {$120.00}. I reached out the vendor and requested they provide me a XXXX address to return the product as it wasnt reasonable to pay more to return a product than it cost to purchase. They declined to provide a XXXX return address even though it was shipped to me from within the US. This company has an unreasonable return policy so I wasnt able to get my money back or return the item. 

The terms of my card agreement with Apple/Goldman sach state that If I am dissatisfied with the product or service I may have the right not to pay I filed a dispute with my Apple Card/Goldman Sachs. They ended up siding with the vendor vs me from the dispute as I didnt return the product even though I provided them with the facts of the vendors return policy. 

I disagree with their decision and have demand they either refund the {$110.00} plus any interest or use arbitration as outlined in the card agreement. They have refused to provide a credit or proceed with arbitration as outlined in the card agreement. Ive reached out them 3 times to no avail. I was even told by one rep in a chat that the card offered no consumer protections. 

I would like to have the {$110.00} plus interest refund to me or proceed with a third part arbitration through JAMS at Goldman Sachs expense as outlined in the card agreement.

Company response to consumer: Closed with explanation