vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XXXX XX/XX/XXXX I received a letter from Synchrony Bank dated XXXX XX/XX/XXXX in the letter they stated their reason ( s ) for our decision " Activity on account ( s ) with Synchrony Bank indicative of high of failure to pay. '' My concern is this account was always paid on due date! For Synchrony originally to make the assumption based on my credit score or information on my credit reports decisions made to close my account can be premature? Especially when I have submitted disputes to include utilizing the Consumer Financial Protection Bureau. Taking these measures has removed negative information from my reports and is still ongoing. Additionally, my concern is that Synchrony XXXX XXXX since XXXX! has been reviewing my wife 's medical hardship debt management program settlement with her individual accounts that are exclusively her accounts but were settled by her attorney 's just recently. May be a coincidence? I have been a good customer on all of my accounts and feel to close my accounts based on credit reports that have numerous inaccuracies to include disputes should not be the only criteria to close accounts for example I have 40 years of XXXX XXXX an excellent employment history and 40 years of great credit history. There has been Life Events with my wife 's medical XXXX that has created some credit issues but are constantly under review and challenged through the credit bureaus dispute process which becomes a lengthy process to delete negative information from the reports.

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 2021-04-20 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: Aqua Finance, Inc.
State: TN

Complaint narrative:
I have disputed directly with the creditor ( Aqua Finance ) REGARDING AN ERRONEOUS Account they have been reporting on my credit report for over 1 year. 

I opened 1 account with this company and after disputing it with them directly. They claimed to have done an investigation and verified that all information is correct with the credit bureaus, when it is not. 

They also fraudulently opened a " new account '' claiming to have " re-booked '' an older account but with new terms and conditions which I DID NOT agree to. They fraudulently opened a second account nd began reporting it to the credit bureaus. 

You can see in the second letter attached dated on XX/XX/XXXX, THEY ADMITTED TO THIS FRAUDULENT activity. 

The account reporting for both are in violation for the FCRA and as consumer they have prevented me from getting a mortgage I believe because the CRITICAL Metro2 fields are non-compliant.

The fields do not match. " Account Status '', date opened, Date closed, date of last activity, Comments, credit limit. 

Both of these accounts under the FCRA should be deleted immediately for failing to report accurate, consistent and objective information. 

this company has hurt my financial well-being and cause serious mental and emotional distress for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: DE

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau over a month ago regarding inaccurate accounts on my report. It is now 45 days later and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have submitted complaints before regarding my mortgage with Select Portfolio Servicing the loan servicer on my mortgage loan I have been disputing the claimed balance from SPS on my mortgage loan since XXXX when SPS bought the loan servicing rights on my loan. 

During the pandemic, SPS offered me a Forbearance plan from XXXX, XXXX to XX/XX/XXXX During that time, I was not required to make mortgage payments. 
However from XXXX, XXXX to XXXX, XXXX I made mortgage payments according to schedule. 
I received a letter from SPS dated XX/XX/XXXX claiming the amount of {$100000.00} to reinstate my loan and the letter stated that my loan is in foreclosure status. 
I replied to their letter and I submitted a claim to CFPB regarding this letter. 
The truth is that SPS is legally liable for bank errors made by previous loan servicers on my mortgage account i e XXXX and XXXX Bank. 
Bank errors were made on my mortgage account on two previous loan modifications SPS requested bank documents to prove this fact of which I sent them bank statements to substantiate and other documents. 
Please see enclosed letter written to my relationship manager wherein I am claiming {$38000.00} for payments not credited and excessive escrow charges and administrative fees. 
As I have stated, SPS has stopped accepting my payments since XXXX, XXXX As stated above I made payments from XX/XX/XXXX through XXXX, XXXX which SPS accepted. 
According to the XX/XX/XXXX letter that I received, a copy of which is enclosed, SPS is demanding a reinstatement payment of {$110000.00} to halt foreclosure proceedings against my property. As I stated above, SPS has not accepted any mortgage payment from me since XX/XX/XXXX and this increases their claimed arrearage on my mortgage account. 
I feel SPS is deliberately taking this action to proceed with a foreclosure against my property once the government and state laws against foreclosure are removed such as California law XXXX and federal laws pertaining to protect borrowers against foreclosure. 
I feel this is the only reason why SPS would not continue to accept my payments. 
I have written to them and I have spoke with the Ombudsman Department to allow me to make a payment that I can afford to bring down the arrearage on the loan and that SPS should credit my mortgage account with a settled credit toward the bank errors that were made on my account previously. 
Please see a copy of the XXXX Detailed Transaction History and my letter of XX/XX/XXXX. XXXX which carefully details my disputes on the XXXX Detailed Transaction History. 
and the payments that were not credited to my account. 
I am a senior citizen almost XXXX years old and my house is my only asset and I can not afford to lose the equity in my property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
On XX/XX/2021 via certified mail with return receipt, I sent a debt validation letter which also included cease all contact. Per USPS the letter was delivered on XX/XX/2021 at XXXX to the front desk/reception/mail room. On XX/XX/2021 XXXX and XXXX XXXX in XXXX, IL contacted me at XXXX pm and then hung up. I called back and spoke with Mrs. XXXX, asked why were they contacting me and I have sent a letter stating to cease all contact and to validate the debt, Ms. XXXX states she can add me to the do not call list but that they do not go thru letters. I hung up with Ms. XXXX and called back, the next representative I did not catch her name, but this rep instead of addressing my concerns and ignoring what I was saying continued on about paying the balance, I proceeded to stop this representative and advised that this is not what I was calling about and that she was ignoring what the initial call was in regards to. The rep stated they have not received any letter, I advised that the letter was delivered to their offices on XX/XX/2021 at XXXX. I hung after I did not get anywhere with this rep as all she kept stating was they did not receive a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Good Morning/Afternoon, I am XXXX XXXX XXXX XXXX and Westlake Financial Services has not only shown great lack of professionalism but also abuse of financial gain on there status. Mistreatment of my account and legality of my XXXX XXXX XXXX Orders have been dismissed on numerous conversations. Westlake Financial Services has violated the SCRA ( Federal laws protecting Veterans who are deployed ). 

Westlake Financial Service was given XXXX  Orders early XX/XX/XXXX and acknowledge the status of the account. On XX/XX/XXXX Westlake Financial Services repossessed the vehicle on the account and refused to release until payment was made dismissing the Military Documents given. On XX/XX/XXXX I paid {$1600.00} to release vehicle from repossession company. Upon this situation, my credit score has been severely hit in nothing but a negative way. 

Before this action Westlake Financial Services has not only not taken my funds every month but added on arbitrary fees when addressed about there mishap. Reference # XXXX XXXX late payments can not be issued to people who are deployed ). Which I was given 10 missing late payment during the time of my 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 explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: MI

Complaint narrative:
In XX/XX/XXXX I received a letter in the mail from XXXX XXXX stating I owed a debt for XXXX. When I called they said I could resolve it at a discount for {$230.00}. I paid that debt as they had alll my XXXX information and said they were XXXX. They even were able to show my charges on my XXXX account. So I believed them. Come to find out, my account was never resolved. I only owed XXXX {$12.00} which they say has never been paid. I was scammed from a debt collection company and they falsely represented themselves while also having all my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: OR

Complaint narrative:
I submitted a complaint to XXXX on XX/XX/2021 detailing XXXX XXXX 's fraudulent activity towards my account ( Complaint XXXX ). XXXX improperly closed the complaint upon receipt of an irrelevant response from XXXX XXXX. XXXX XXXX 's response contained no facts related to the complaint and referenced an unrelated money transfer. 

Please reopen the complaint XXXX and compel XXXX XXXX to respond to the specifics of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I started using my XXXX account in XX/XX/2020 to trade cryptocurrency after that service was added to Paypal. From that time, I was trading and taking profits which were transferred to my bank accounts as needed. I was also transferring money back to Paypal to purchase cryptocurrency again when the prices rose. In other words, I was making a small income from these trades. Suddenly, on XX/XX/XXXX, I had a message in my Paypal account saying my account was limited and I had to submit various pieces of information to have it restored. I sent a photo of my drivers license and a photo of my bank statement as requested. Another request was to explain a transaction but when I opened the page to do that, there was no transaction listed that needed to be explained, so my response was " What transaction? '' On XX/XX/XXXX, I got an email saying that my account was restored. I began trading again and transferring money between accounts and on the XXXX, I had another message in my Paypal account saying it was limited again. Paypal requested the bank statement and an explanation of a transaction again. I sent the bank statement and because there was still no transaction listed to explain, I responded " What transaction? '' again. On the XXXX, I got an email saying my Paypal account was permanently limited and that I could no longer use Paypal. It went on to say that my funds would be kept for 180 days. What is left in that account is cryptocurrency whose value is fluctuating. At the time of the account being locked, the value was over {$1000.00}. Today, its value is {$880.00}. It may have less value or more value in 180 days but it should be my decision whether to hold it, buy more, or sell. I want and need that hold released at least long enough to have the cryptocurrency value back to what it was before the account was locked. Then, I will gladly remove it and have no more to do with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Notice for Proof of Claim Account : XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX To Whom it XXXX Concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

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 2021-04-20 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: NV

Complaint narrative:
I contacted Caliber Home Loans to take advantage of low-interest rates and re-finance her home loan. For the past 8 months, XXXX has either lost information or passed the information to different departments whereas they keep asking me for the same information that she has submitted several times. The loan was supposed to close escrow in XX/XX/XXXX and yet, in XX/XX/XXXX they keep asking for the same information. 

XX/XX/XXXX : I contacted Caliber Home Loans to start the refinance process and submitted an application. 

XX/XX/XXXX : I submitted all paperwork requested. 

XX/XX/XXXX : Title company contacted me regardng process. 

XX/XX/XXXX : I signed disclosure statement and locked in her loan rate. Sent payoff request form and title information to title company. Later in XXXX, the title XXXX called to let me know that escrow would be contacting me directly to set up a date to sign loan docs. The title officer said the title was the last issue to resolve before closing escrow and since everything looked good, there would be no other delays. 

XX/XX/XXXX : Still waiting to sign loan docs, no one from XXXX contacted me so I called XXXX asking what the status of the loan was. The loan XXXX I was working with transferred to another department and he had to transfer his loans to someone else and had caused a lot of issues at XXXX at no fault due to me. He said he would get the loan docs ready as soon as possible. I re-sent current paystubs and bank statements that XXXX requested. 

XX/XX/XXXX : XXXX sent new disclosure statement that was inaccurate from the loan lock that I signed in XXXX. It was incorrect because it showed me paying points when I was not paying any points when I locked in her loan. I contacted the loan officer and he said there was a " glitch '' in XXXX 's system and that he would fix the problem and send a new disclosure statement. 

XX/XX/XXXX : Still waiting, I received an email from a second loan officer at XXXX stating that now she needed to again, for a 3rd time, to send additional documentation. I contacted my original loan officer telling him this was ridiculous and why do they keep asking for more paperwork when the loan should have closed in escrow in XXXX. He said he expedite the loan process. 

XX/XX/XXXX : The second loan officer called and emailed me again asking for one year 's statements of evidence that I had been paying my mortgage. Why? I authorized the title company to request a payoff from her lender back in XX/XX/XXXX. I spoke to the original loan officer and told him I have exhausted all my efforts with the loan. 

I believe XXXX is harassing me. I have, multiple times, given the paperwork asked for by XXXX and they give no explanation as to the delay in closing the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
My original mortgage provider was XXXX or the XXXX XXXX. I refinanced my loan with XXXX on XX/XX/XXXX and I XXXX obtained a payoff quote from The XXXX XXXX XXXX XXXX XXXX and paid off the total amount. 

The XXXX XXXX  transferred my loan to The Flag Star Bank and flag star bank is calling me to collect some {$5700.00} ( approx ) and they are telling me that they will put my account in the late payment and my credit will be ruined if I do not make the requested payment. 

My loan is with XXXX and I am making payments to them. 

I explained flag star bank many times about this situation. I think they do not want to understand the situation. why would I pay them?

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 2021-04-20 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: LoanCare, LLC
State: TX

Complaint narrative:
Loan  # XXXX. I'm currently on a forbearance plan until XX/XX/XXXX and I've been on one since XX/XX/XXXX of last year due to Covid. I filed applied for a forbearance plan with LoanCare and per the terms of the plan if my loan was current prior to entering the forbearance that's how it would be reported. Until XX/XX/XXXX XXXX was reporting my correctly to the credit bureaus then suddenly after selling my loan they reported me late and closed my account. This needs to be corrected ASAP! My loan was current before and according to the plan so why am I being reported late now when it was being reported Pay as agreed until now..

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 2021-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I was a victim of Identity theft and the medical bill is reporting on my credit. The company is Credit Collection Service. The date added to my report is XX/XX/2021.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was overviewing my consumer report, and noticed that transunion is reporting information on my report without, any consent from me as a consumer i have a right to privacy, and sharing information without my written consent. This is a violation of my federal rights .federal rights are currently being violated Under 15 USC code 1681 b permissible purposes of consumer reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX never gave transunion permission. I did reach out this company certified mail asking for removal. I demand that this information be removed immediately for fed loan on my report.

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 2021-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I had XXXX XRP ( ripple ) coin mysteriously disappear from my Coinbase wallet on XX/XX/21 the app updated through the night and now I have XXXX XRP coin and no receipt of the destination is was moved to.

Company response to consumer: Closed with explanation