vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Coinbase you have hijacked my funds in pending status they do not offer me the opportunity to cancel the transaction nor do they give me a hash, when I contact customer support they ask me for the hash that I do not have it is as if they have me in an unknown state, meanwhile I can not see my crypto while I see how my money devalues The transaction hash : you did no give me one yet, Case # XXXX - Transaction is pending for over 8 Hours Thanks for contacting Coinbase Support. 

It appears the information you provided might be incorrect for the transaction youre having an issue with. 

Please resubmit your request and make sure you enter : The exact transaction amount The transaction hash The email address associated with account for the transaction We require this information so we can clearly identify the issue. 

To learn how to find your transaction hash, please visit : https : //help.coinbase.com/en/coinbase/getting-started/crypto-education/what-is-a-transaction-hash-hash-id? ref=es If you didnt need help with an on-chain cryptocurrency transaction, please double check what you select in your next support request. 

Thank you for understanding. 

Regards,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
For the entire pandemic since federal student loans have had zero interest, I have been using Navient 's auto-allocate feature and selected to target loans with the highest interest rate. I discovered today that this function was programmed incorrectly and instead of allocating my payments to the loans with the highest interest rate, it automatically selects the unsubsidized loans, regardless of interest rate. For this reason, in the remaining lifetime of my loans, I would end up paying significantly more money. I brought this issue to the attention of Navient and they are in the process of re-allocating my previous payments. However, fixing my issue will not resolve the same issue for the ( I estimate ) thousands of other loan borrowers that have used this payment allocation function throughout the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
i was told that I had been approved for up to XXXX i only wanted XXXX thats all i asked for they asked me to sign installment loan documents, that had loan amount and payments up front which i did then they said they needed to look at my bank account and to send the my account login and password so they could verify my income so i did. 
Then they came back and said i needed to download my bank statement and verifications of my SS and my pension i did Then the next day i received the same message and so i did it again next day same thing so i faxed them this time so i would know they received them the very same afternoon i received a message saying the very same thing this time telling me had to be done my XXXX each one of these time i had tried to call and there automated system want allow you to speak with a real person i believe this is nothing but a scam to get peoples financial records and income information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Company ( PNC ) lowered my credit limit from {$10.00}, XXXX to {$3800.00} saying I had credit score of XXXX which is wrong correct score is XXXX also saying using to much of my credit wrong also only using 28 % saying late on payment I was never late saying they used XXXX called XXXX got copy of credit report that confirmed everything I said XXXX thinks they got me mixed up with someone else or look at wrong person I called PNC and they won't even look at report or try and correct it my XXXX score has dropped almost 40 points because of this and they just don't care, my credit is suffering because of their mistake and they are not trying to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: TX

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX. The charge off carrying a balance. This is in violation of FCRA Section 604 ( A ) ( 3 ). Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: AL

Complaint narrative:
Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX  paints me as a Bum. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with experian i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have fourteen negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-10-18 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: AL

Complaint narrative:
Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with experian i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have fourteen negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: CA

Complaint narrative:
Experian is reporting XXXX account as Last Active on XX/XX/XXXX and Last Payment XX/XX/XXXX. How can the last payment date be after the last active date? I also noticed that Experian is reporting a 30 day late in XXXX of XXXX and then a 90 day late in XXXX of XXXX. I asked Experian to advise how it is possible to go from 30 day late to a 90 day late? Experian is required to report only accurate information! And since it is in possible to go from 30 day late to 90 day late, means Experian is reporting in accurate information.

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 2021-10-15 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: IA

Complaint narrative:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to XXXX on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was an authorized user on my then husbands BoA credit card. When we divorced in XXXX, in the divorce decree, he was given sole responsibility for that credit card account. He never removed me as an authorized user however, and even though I tried multiple times to call and be removed, because I was not the primary, they would not remove me. I could not get him to remove me, out of sheer laziness on his part. That cc account has since been paid off and closer, and archived by BoA. However, it continues to show up on XXXX credit Report with me as an authorized user, and bringing down my current credit score and preventing me from purchasing a home on my own. 
I was finally able to get my ex-husband to call BoA and ask to remove me, but the said account is as archived and no longer in their system so they couldnt do anything. I absolutely refuse to believe that by legal divorce decree I had no responsibility, but never had any power to remove myself, and now am stuck with it on my credit report, because my ex husband was lazy, and BoA refuses to step off their misogynistic and discriminatory banking practices and correct the situation by whatever means necessary.

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 2021-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNSYLVANIA HOUSING FINANCE AGENCY
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This PHFA company is currently showing 30 days late. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My mortgage with XXXX XXXX was in forbearance & though they were not reporting late they kept upping the past due amount every month so my loan showed I owed more than the original loan & has tanked my credit. I spoke to them in XX/XX/XXXX about it & XX/XX/XXXX again & they said they would bring it to the attention of the department responsible. Spoke with them again XX/XX/XXXX & they said they were allowed to report the overdue amount in the balance as long as they dont say payments were late. They also showed that my account was in forbearance on all my credit reports. Credit companies said they could do nothing or change any of that reporting. This in turn has completely messed my credit report up & Ive ended up with reduced credit lines & higher interest rates. The reason showing is my loans are too high balances compared to the original amount & theyre over the limit amount. This is the ONLY problem on my accounts! Not to mention other problems Im having w XXXX XXXX holding my sons CD hostage during Covid. Now instead of modifying my mortgage to a lower rate/payment they have put me in a trial 3 month payment for {$200.00}. Less than the original mortgage amount but have told me nothing about what they will be doing with my mortgage & if I will have a lower interest rate & payment after or IF they will be modifying at all! I am XXXX & need help desperately!

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 2021-10-15 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: CO

Complaint narrative:
My mortgage with XXXX XXXX was in forbearance & though they were not reporting late they kept upping the past due amount every month so my loan showed I owed more than the original loan & has tanked my credit. I spoke to them in XX/XX/XXXX about it & XX/XX/XXXX again & they said they would bring it to the attention of the department responsible. Spoke with them again XX/XX/XXXX & they said they were allowed to report the overdue amount in the balance as long as they dont say payments were late. They also showed that my account was in forbearance on all my credit reports. Credit companies said they could do nothing or change any of that reporting. This in turn has completely messed my credit report up & Ive ended up with reduced credit lines & higher interest rates. The reason showing is my loans are too high balances compared to the original amount & theyre over the limit amount. This is the ONLY problem on my accounts! Not to mention other problems Im having w XXXX XXXX holding my sons CD hostage during Covid. Now instead of modifying my mortgage to a lower rate/payment they have put me in a trial 3 month payment for {$200.00}. Less than the original mortgage amount but have told me nothing about what they will be doing with my mortgage & if I will have a lower interest rate & payment after or IF they will be modifying at all! I am XXXX & need help desperately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
My mortgage with XXXX XXXX was in forbearance & though they were not reporting late they kept upping the past due amount every month so my loan showed I owed more than the original loan & has tanked my credit. I spoke to them in XX/XX/XXXX about it & XX/XX/XXXX again & they said they would bring it to the attention of the department responsible. Spoke with them again XX/XX/XXXX & they said they were allowed to report the overdue amount in the balance as long as they dont say payments were late. They also showed that my account was in forbearance on all my credit reports. Credit companies said they could do nothing or change any of that reporting. This in turn has completely messed my credit report up & Ive ended up with reduced credit lines & higher interest rates. The reason showing is my loans are too high balances compared to the original amount & theyre over the limit amount. This is the ONLY problem on my accounts! Not to mention other problems Im having w XXXX XXXX holding my sons CD hostage during Covid. Now instead of modifying my mortgage to a lower rate/payment they have put me in a trial 3 month payment for {$200.00}. Less than the original mortgage amount but have told me nothing about what they will be doing with my mortgage & if I will have a lower interest rate & payment after or IF they will be modifying at all! I am XXXX & need help desperately!

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 2021-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
To Whom It May Concern, On XX/XX/XXXX, a closing disclosure was signed for the property located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. During that time, the Lender ( Originator XXXX XXXX XXXX ) collected {$4600.00} as the initial escrow payment at closing for Homeowners Insurance and Property Taxes. Please see the attached documents. The loan was sold to Mr. Cooper and servicing rights transferred to loan number XXXX. 

On XX/XX/XXXX, the aforementioned property was sold, and the mortgage was satisfied. However, the amount of refunded escrow was incorrect. Once I inquired about the issue with the Servicer ( Mr. Cooper ), it was discovered that XXXX XXXX XXXX never sent the initial escrow funding of {$4600.00} resulting in a negative escrow balance once taxes were paid. The representative I spoke with at Mr. Cooper is XXXX XXXX, Escalations Specialist, XXXX. She confirmed that XXXX XXXX XXXX did not send the money collected at closing. She also provided the two attached files. You will see the amounts were not deposited to my account from the Closing Disclosure where it was collected per the transaction summary. 

XXXX XXXX has made several attempts to contact XXXX XXXX XXXX and has spoken with XXXX XXXX and XXXX XXXX. However, she has stated that they have been uncooperative and unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Target / TD Bank is reporting a charged-off account to XXXX that I was never responsible for. I was only an authorized user of the account and now that it has charged-off, I can't be removed from the account. This is hurting my scores and making it impossible for me qualify for a loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15 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: TX

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection of XXXX XXXX  XXXX. I was abroad because I am active military and I am on duty. This is a violation according to 15 USC Section 1692a. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

Company response to consumer: Closed with explanation