vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
My home received substantial flood and windstorm damage XX/XX/XXXX, yes I said XXXX. As of today XX/XX/XXXX Select Portfolio Servicing has refused to release all of the insurance funds they are holding despite over sixty pages of repair documentation from contractors, my attorney and myself. I gave up trying to deal with SPS directly and hired an attorney. SPS lied to the attorney several times and still refuses to release MY insurance proceeds. My attorney has had no luck trying to deal with this issue despite calls and emails. SPS is still calling me direct concerning the issue when they are suppose to talk to my attorney not me. They told me today that my issue is being reviewed by management. ( What!! Really!! ) My attorney suggest we may have to go to the next step which would be litigation as the only option. All is want is my insurance funds as I haven't been able to complete the repairs to my home almost four years later due the actions of SPS. I have been clearly damaged by the actions of SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On XX/XX/2021 I refinanced my mortgage for a lower rate and to consolidate debt. I paid off several credit cards. No problems there except one company said they did not receive the check. Comenity Bank aka XXXX. 

On XX/XX/XXXX, said payoff check was still not received by Comenity. On XX/XX/XXXX, a stop payment was placed and new check was issued. Comenity was advised. It was overnighted ( on a friday ) and received and signed for by Comenity on XX/XX/XXXX. 

On XX/XX/XXXX I received notice that Comenity received the check, paid off my credit card, and sent me a refund of {$20.00} because it was overpaid. 

On XX/XX/XXXX, I receive notice that the check was returned for a stop payment. 

What happened, was they applied the check that was stopped, which they were informed of, and added Interest, return check and past due fees now to my account. 

I have proof from XXXX and a tracking number that they received and signed for the new check. They ( comenity ) are telling me they never received it.

So i had to call yet again ... ( this is now XX/XX/XXXX ) ... .and they are sending me dispute papers ... but there is nothing to dispute ... they received the replacement check and lost yet and I am being crucified because of their ineptness .... They said there is nothing they can do to help me. 

So i am paying on my mortgage for the XXXX dollars that was mailed to them and signed for and they lost it .... and its still on my credit card balance. 

When i asked how to rectify now ... .. I was told ... .This is how we do things here. 

They wont even help anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Winklevoss Exchange LLC
State: MD

Complaint narrative:
I transfer funds to Gemini cryptocurrency exchange from my brokerage account. Because of unreasonable restriction on trading ( they required me sending my photo with a handwritten note after they received the funds from my XXXX account ) I decided to pull my funds back where their software guided me to send my funds to the account from which wire was received. Apparently it is impossible to do this because money was sent from the brokerage account. I was not alerted to this and money bounced back with a {$50.00} administration fee. It was their software that provided me only option which was erroneous. Why I need to pay a fee for this? After this I sent them information about my bank account and directed them to send the funds to this account. They listed this account as a linked account however they make it impossible to transfer funds to my bank account. They do not responds to emails ( they just have a bot responses saying that their experts are working on responding ). I sent them multiple emails and did not get a response. They do not list any other ways that I can contact them. So from my end it looks like total scam. They hold my funds and block my access to the money I just transferred. 
I do not recommend anyone to trade on Gemini exchange. They have absolute ZERO customer support and their software is very primitive so if you make a minimal diversion from their prescribed limited mode of operation your funds will be stuck there forever and there is no-one to talk or email to. It looks like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax. Equifax told me I was involved in their XX/XX/XXXXdata breach. In the last year, I have applied for mortgages in De and NJ and only the Equifax credit report is locked. I called and I called Equifax and the mortgage broker did too and Equifax said they unlocked my credit yet they did not. Therefore, I spent 4 nights in a hotel to look at real estate in DE but I could not because my credit rating had to be unlocked prior according to covid laws, at that time. I should be paid for all the travel expenses I lost over Equifax 's negligence. 
I need my Equifax credit report made available to mortgage brokers, etc. 
I am demanding to sue Equifax 's over both age and XXXX discrimination and harassment of myself and my credit report which rendered me unable to view real estate in De in XX/XX/XXXXdue to covid laws not being met by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: CITIBANK, N.A.
State: FL

Complaint narrative:
A credit card company ( CBNA ) incorrectly made a hard inquiry on my credit report. I had gone online to request a credit limit increase on their website.

The site notes : " We will not obtain a credit bureau report to evaluate your request, and you will receive a decision instantly. '' *Neither of these statements were accurate. They did make a hard inquiry to the credit bureau & did not give me an instant decision.

I have attempted to resolve this unsuccessfully with CBNA for over a month. After numerous phone conversations and online chats, I have received a letter from them stating : " We are unable to remove the inquiry from your credit bureau report. '' The hard inquiry was made on XX/XX/2021.

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 2021-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
As of XX/XX/XXXX CapitalOne has frozen all of my accounts due to not having a business account and receiving the PPP forgivable loans. I applied for these loans using a reputable lender, used the governmental application, signed the XXXX  loan promissory note, submitted my XXXX tax return prepared by XXXX  XXXX, submitted my 1099 from XXXX, my incumbency letter with the booking company that I use as a XXXX XXXX  starting in XXXX and my schedule c. CapitalOne has nothing to do with these loans and told me that I was fraudulent. I have tried contacting them ; have been on hold for hours and the only answer they could give me is that this money would be returned to the lender and there is not time frame to access. They told me I needed to find another bank to change any direct deposits. There is no CapitalOne in my city and I literally don't have access to any of finances. I have triple checked the cares act and it accept 1099 worker, doesn't require business account. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: NY

Complaint narrative:
On XXXX XXXX my direct Express card was hacked by someone posing as an XXXX employee to help with my account. It was done through my phone. As soon as I realized what had happened I called Direct Express to file a fraud complaint. and cancel my card. I was told I could not file a complaint until the charges actually cleared. I called the following day to start my complaint. They said they would send me paperwork and it needed to be returned by XX/XX/21 to get provisional credit. I never got their paperwork until the XXXX so i overnighted everything to them. I got a letter dated XX/XX/21 stating my claim was denied. I have called several times to request supporting documents on how they concluded their investigation. They simply emailed me back all of the documents I originally sent to them.. One woman yelled at me and hung up. I asked about Resolution E protection and they said it didn't apply to them. I called Comerica bank and they said they only supplied the plastic to Direct Express. I have had my SS on Direct Express because I thought it was safe. I have called several times and been put on hold and eventually disconnected. I have cancelled all cards, accounts, etc. I am having my SS sent to my checking account going forward because I am afraid Direct Express will let this happen again. I spoke to XXXX at your company and he was the first person to treat me kindly since this started. I am having trouble attaching documents.I have several but am unable to figure out how to attach them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My Transunion has multiple inquiries I did not authorize. XXXX bank offered me an increase on my credit card but did not inform me of a hard inquiry on XX/XX/XXXX. I did not authorize that. I also did not authorize the following inquiries from XX/XX/XXXX : XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX? ). 

XXXX XXXX  is the bank I had financed my vehicle through and I did not authorize any other inquiries. Please remove expeditiously

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 2021-05-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: TX

Complaint narrative:
Back in XXXX I moved. I put notification in with The Texas Workforce Commission as well as with USBank Reliacard. After receiving my unemployment payment thru the TWC, I went to make my usual ATM withdraw to a late water bill before disconnection occurred and my card declined. After contacting US bank I was informed that I needed to verify my identity with the bank because of my address change. 
I have provided all required documents needed and required to verify myself. I have sent info to USBank via text message link, website & sent by Fax. I was informed it would take XXXX days for verification to occur and i would hear something by that time. It has been over 4weeks. My water was disconnected and is still disconnected. My account is still " Frozen '', they haven't released my unemployment payment and will not share any information with me.

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 2021-05-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SLM CORPORATION
State: AZ

Complaint narrative:
Once the due date has passed by a few minutes, they call both myself and my daughter more than once per hour which is very unreasonable.

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 2021-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: NY

Complaint narrative:
IC SYSTEMS is attempting to a collect an invalid debt from 2019 from the consumer although consumer is still an active customer of the original internet service provider XXXX with no payments due or owed and in good standing. Consumer is a victim of identify theft. CREDIT HAS BEEN RUINED. IC SYSTEMS is liable for failure to validate debt and damages to reputation, etc. Immediate resolution and updates to the 3 major credit reporting agencies, removal of any such reported debt required.

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 2021-05-04 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: CA

Complaint narrative:
On XX/XX/2021 I requested information on removing my loan account off a forbearance plan and requested information on deferring my payments. The response from XXXX referred me to a site to apply for a deferred payment plan, which I had questions about. 
On XX/XX/2021 I made another inquiry about deferring my payments and XXXX  again responded with a link to apply for this option online, which I did not do. 
On XX/XX/2021 I opted to pay the forbearance balance due in its entirety to bring my account up-to-date and current so that my credit report would show my account was in a positive status. I received a response from XXXX on XX/XX/2021 acknowledging my request to remove my account from forbearance. 
On XX/XX/2021 I requested a formal letter from XXXX acknowledging my account was current and in a non-forbearance status. 
On XX/XX/2021, XXXX responded and acknowleged that my account was in good standing and was told I would receive a letter in the mail but as of XX/XX/2021, I still do not have this letter. Additionally, credit reports are showing and have been showing for several weeks that my account is non-delinquent however it notes that my payments are deferred effective XX/XX/2021. This is incorrect, and I have called more than once and sent communication to XXXX requesting this be changed immediately and updated with the appropriate credit agencies. 
On XX/XX/2021, I opened a dispute via Experian against XXXX  erroneous reporting of my account status, and to date, it is still unresolved. This is a disappointing measure I have had to take to get this resolved and removed from my account. 
On that same day I called XXXX again about this error on my account status. The representative told me this was an error on XXXX part, that my account was current, that I never agreed to put my account on a deferred payment plan, and that my account should not reflect that my payments are deferred. The representative said she would escalate the issue to her supervisor and that it would take a couple of days to update. 
On XX/XX/XXXX, I called XXXX for an update and was told my account would be resolved that day, XX/XX/XXXX. I also asked for my billing statement for XXXX, which I was also told would be sent that day, but it was not recieved as of XX/XX/XXXX. 
On XX/XX/XXXX, I called XXXX for an update and have now been on hold just to speak with someone regarding my issue for 28 minutes. 
As of today, XX/XX/2021, nothing has changed on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'M IN THE PROCESS OF BUYING A NEW HOME AND MY LOAN OFFICER BROUGHT TO MY ATTENTION A COLLECTION ACCOUNT THAT WAS OPENED WITH XXXX. 
I'VE NEVER HAD AN ACCOUNT WITH THEM BEFORE SO I KNOW IT'S IDENTITY THEFT.

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 2021-05-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX HL Mortgage Companies XX/XX/XXXX Experian XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX, XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX  Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian EXPERIAN BUSINESS CRED Credit Bureau XXXX XX/XX/XXXX Experian XXXX XXXX XXXX Finance Reseller XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Reseller XX/XX/XXXX Experian XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX Experian XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Bulk Purchase Finance XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and noone was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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 — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA
State: AR

Complaint narrative:
On XX/XX/2020, I bought a sofa from XXXX. they delivered me the incorrect sofa model and color. I called them to report the issue and so far they have not send no one to pick up the wrong one and send me the correct one. I have disputed the charges for {$2100.00} plus interest with apple card ( Goldman Sachs ). they never sent me any status o my dispute and they have keeping posting again the charges on my account. they not helping me at all, with this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: MD

Complaint narrative:
I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've sent numerous letters to the credit bureau with affidavits and they have not removed the incorrect items from my credit report. I specifically asked WHO is the person that is verifying as accurate and I have yet to receive a reply. I would like to escalate the problem but can not receive the proper information. This is a violation of my rights as they have not responded and has been longer than 30 days as allowed by law.

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