vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have no cerdit scores, the credit bureau has me as deceased. I have contacted Experian with no reslove. I am not sure what to do now. Hopefully you can help Thank you

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 2021-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Self Financial Inc.
State: GA

Complaint narrative:
I paid off my Self loan and I was told that I would receive payment on the XXXX of XXXX. I was asked to verify my identity with the debit card I payed with and a drivers license. I found this strange because why wasn't this done before they started my account and accepted my payment? Self Lender never said this process would result in them freezing my funds. The lend my to believe this process was just about keeping my account. After trying to comply with there demands now there website won't accept my docs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Funding of XXXX, MI or XXXX XXXX, CA uses unfair tactics in reporting debts and collections. They report the same debt twice and they refuse to remove the duplicate information even after you contact them and file a dispute with the credit agencies. As a matter of fact, after I asked them to remove the duplicates they added another account with duplicate info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase locked me out of my account for no apparent reason, as nothing has changed on my end. They say I must " verify my identity, '' but all attempts to do so fail. I've tried to contact their customer service at least 50 times, even sent letters via snail mail. Their entire system is automated with no one live to assist. Coinbase has held my crypto hostage for nearly 8 weeks. Maybe it's gone by now & they've stolen it.??? Unfortunately, I've read thousands of similar complaints posted all over the Internet. Wish I would have known this before I got involved with Coinbase. This company is criminal & should be stopped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MD

Complaint narrative:
in XXXX I applied for a refinance with a new lender.since then I have contacted hunting Bank numerous times in an attempt to get the information required for my new loan. 

Huntingdon bank has repeatedly refused to release the important documentation my new lender needs to create the refinance loan.

I've tried numerous times to contact the customer support line in order to get this information released but they refuse to.

every time I've inquired on the status they've pushed back the resolution date they. At one point telling men it would take 24 business days to send a fax. They have also changed their " policy '' several times since XXXX. One day saying they can email information ; the next day saying they can't ; the next day saying any requests for information has to be sent in via fax and can only be returned to that same fax number ; the next day saying they can't send any information to third parties.

After submitting a formal complaint it seems to have made the situation worse and possibly restarted the entire process. at this point when I speak to customer service I can only be told that it is in the hands of the customer advocacy team and that they do not have a point of contact customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXXACCOUNT NEED TO BE UPDATED PAYMENT HISTORY.

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 2021-02-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NV

Complaint narrative:
We had our Mortgage with XXXX XXXX and enjoyed visiting Branchs to make payments and ask questions. Then XXXX XXXX sold Mortgages to M & T Bank who has no branch ib our city. Whenever we call we are sent to different departments and after a half hour we are still without an answer. On XX/XX/XXXX of 2021 we mailed checks to three places. Two were cashed normally. M & T waited Util the end of XXXX and then assesed a late charge. I made a online payment of the XXXX payment and thje next day I did the same for the XXXX Payment. In the middle of XXXX, they found the XXXX check and tried to cash it Twice! I keep enough money in my account to cover bills so we got two {$35.00} doller fees for insufficient funds. I complained to M & T a week ago and I have had no response. I shopped for a good refinance deal and could not find one. M & T did send me a email that stated that the Post Office was slow due to the Pandemic. I believe that a bank should not be able to sell a mortgage without the mortgage holders permission. I also believe that M & T should lose their licence.

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 2021-02-27 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX, XXXX - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX, XXXX - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: WI

Complaint narrative:
I thought I was consolidating my loans so that I would someday be eligible for forgiveness after 20 plus years of payments. Now they are telling me that I don't qualify. This was my main reason for refinancing with them. The financial consultant for the Nelnet company mislead me into thinking I was all set. I diligently paid with automatic withdrawal looking forward to this being forgiven. Now they are telling me I do not qualify for any forgiveness. I don't even qualify for the CARES Act. I am XXXX years old and have worked as a XXXX and XXXX XXXX for 3 different low-income school districts. I was looking forward to retiring due to health problems and COVID issues. Now I don't know what to do. 
I have called NELNET for help several times and feel like I have been given the run-around. 
I am doing my best to survive this and don't understand what I should do. I hope that you can help me. I understand that there are other people who have been having the same issue with NELNET. 
Care you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
I pay my mortgage online through my bank with an automatic payment set up. Ive had the same set up since the loan inception I believe it was in XXXX. It gets sent out the same time of the month every month and theres never been an issue. I checked with my bank and all checks have been cashed that were sent to the mortgage company. My mortgage company states they did not receive XXXX XXXX mortgage payment. I also looked and saw one that several of my payments have been marked as late in XXXX which I know that is not true. The bank has a local branch here in XXXX XXXX so I want to try and fix it at the branch. When I got there I was met at the door by a gentleman that said that they are closed to customers because of Covid everyone has been working at home. The gentleman then proceeded to tell me that dozens of people come by there every day with the same complaint they say they have paid their mortgage as they always have and theyre not being credited or marked as delinquent. The gentleman states that because everyone is working at home things arent being properly credited and theyre not being credited on time. I have since gone to the mortgage website directly and an automatic payments through the mortgage paint company that way they cant say that Im not paying on time. I have lost 100 points on my credit score because they falsely reported that I did not pay my loan. I have since gone onto their website and paid everything that they said I owed in one lump sum and actually paid ahead so that they cant pull this with me anymore. The fact still remains that they cash the check of mine and did not give me credit for it. The other thing I want to clear up is how they ruined my credit by falsely reporting that I did not make my payments either at all or on time.

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 2021-02-27 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: Fay Servicing, LLC
State: TX

Complaint narrative:
I had a mortgage with Faye servicing that was paid in full in XXXX. I went into preforclosure before but i sold the property and they reported to credit bureaus as forclosed. I fought that online. They then continued to report zero payments made as of XXXX. I called faye servicing and they can not find my account because it was paid in full and closed in XXXX. When faye servicing reported zero payments being made as of XXXX it dropped my credit score 61 points. I immediately contacted both faye and the credit bureaus. To this day i have not recieved the 61 points back and it has not been corrected. I want faye servicing to remove any negative remarks and late payments since the late payments were not really late. My check was sitting on one of there workers desk under paperwork and no one was aware. They are a horrible company and should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: CIG FINANCIAL LLC
State: GA

Complaint narrative:
Hello, my identity was stolen several years ago. While I was at work someone stole my wallet with all my identifing information in it. They had rented a car in my name and gotten several forms of credit. I did not know any of this until I was stopped for a random traffic stop and the police stated all of this to me. I am now trying to correct issues that were made to my credit history. I would appreciate your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I contacted The Home Depot on XX/XX/XXXX to confirm my balance and assure my auto payment amount was active. While speaking to the CSR I uncovered my balance increased to XXXX. I had a siding and gutter installed in XX/XX/XXXX and bottom cost was XXXX. I established APO to pay off the balance, rarely had any issues with past due and payments were received on time. During my consultation for the installation I was told that promotional offers are available ( Sales consultant at that time XXXX XXXX ) however, I was totally unaware of how these offers worked. There was no in-dept break down of which services received what promotion, and what I'm required to pay per month to avoid large amounts of interest. For example, I was advised in XXXX a promotion expired, due to not paying in full XXXX, I was charged interested on XXXX in the amount of XXXX which spiked my final balance up. I was also informed that I was placed in the Covid-19 deferred payment program, which no payments were required for two months ( XX/XX/XXXX ) and that my promotions were extended out that would be a benefit for me. I never asked to defer any payments, I opted into auto pay, I had to manually call The Home Depot to continue submitting my payments. The XXXX continued to tell me about how the Covid defer program helps, me than after XXXX minutes of trying to understand my chargers she than says : Your not in the Covid program, I escalated the call to a Manager XXXX, who hangs up on me than, I called back requesting another Manager. XXXX from executive relations takes over the call. I revisit my case, advise her multiple times that The Home Depot did not disclose how these promotion work, I have a balance due over XXXX XXXX, she overlooks my problem, and become very bias, stereotypical and says " If we did not disclose the promotions, I will send feedback, you've reached out escalation department in the past, and if you want the XXXX removed you have to pay XXXX today ) I will complete an investigation and reach you in 5 days. I than asked for the CEO information, she advised he can't give that information 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 2021-02-27 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Ally Financial should be investigated by Government Regulatory for their business tactics when you have an account through Ally Auto. I called this morning XX/XX/21 to negotiate arrangements to make my car payment and also to see if there was a way to have the monthly payments lowered. The representative for one after stating that I did not give consent to having my phone conversation recorded said that " all phone calls must be recorded and there's nothing that can be done about that. '' I said by Law if I do not give consent the call can not be recorded so I ended that conversation and called back. Got another representative that after I advised I did not want to be recorded she said the same and that she could document my wishes, I said okay but know for the record my wishes are not to be recorded. 

So I commence the negotiation to make some arrangements to pay my past due and get caught up. The representative said there was nothing Ally could offer me according to the computer reading and I asked why, she said it does not tell her why. So I next asked her if there was a way to lower the payments per month so I can stay current. She places me on a brief hold and comes back with the same answer, I asked her if she can explain why I was denied and the same answer again from her. 

Ally Auto though their website says it has assistance has denied with no explanation my request for assistance and as a consumer that care about my business relationship with Ally and I am willing to and attempting to keep some good standing with Ally they deny any help on their end with no reasons why.

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 2021-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Remitly, Inc.
State: FL

Complaint narrative:
Follow up to Complaint Number XXXX. Remitly will still not allow me to access account in order to review and obtain copies of my transaction history. I had requested the ability to do this in the above mentioned complaint. 

" 3 ). The ability to log into account so I have access to transfer history and the receipts from those transfers. '' Remitly failed to address this request in their response to my original complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion has marked my account down for XXXX points for a new collections account being added. XXXX XXXX XXXX is the collections company. I look at my report and all the accounts show as old, and that there is no new collections. I think XXXX XXXX XXXX  has re-aged old collections to look new and thus hurt my credit score. They have done this two other times in the past. That is the only explanation that seems reasonable. Or this credit bureau is discriminating against me because of my race or gender, or both cause there is no new collection on my report. I do not acknowledge the debt as valid.

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 2021-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, my identity was stolen several years ago. While I was at work someone stole my wallet with all my identifing information in it. They had rented a car in my name and gotten several forms of credit. I did not know any of this until I was stopped for a random traffic stop and the police stated all of this to me. I am now trying to correct issues that were made to my credit history. I would appreciate your prompt attention to this matter.

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 2021-02-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, my identity was stolen several years ago. While I was at work someone stole my wallet with all my identifing information in it. They had rented a car in my name and gotten several forms of credit. I did not know any of this until I was stopped for a random traffic stop and the police stated all of this to me. I am now trying to correct issues that were made to my credit history. I would appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
Had difficult XX/XX/2020 making my mortgage payment on time due to the coronavirus I was 29 day late just for one month Ive been able to keep my head above water during the pandemic Carrington mortgage showed on my credit report that I was 30 days late I have wrote them a letter and explain my situation for that month I received a letter back. Stating that they were obligated under federal law to report my 30 day late payment to the credit bureau I feel like that I did a pretty good job at keeping my bills paid during this pandemic I have got my mortgage caught up to date now I am not even running late and hope that this will help me delete that late payment for my credit report which dropped at XXXX points

Company response to consumer: Closed with explanation