vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Chrysalis Holdings LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX  Loan application date XXXX Credit score XXXX Home appraisal value {$320000.00} Refinance {$160000.00} Company NEWDAY We applied for a refinance with NewDay on XX/XX/XXXX. The forms were submitted after " E Sign '' on XX/XX/XXXX. 

Our agent XXXX XXXX Account Executive XXXXNMLS # XXXX Company NMLS # XXXX disappeared for over a week, with no response from NewDay, His Cell Phone, or fax. 
He returned with a vague apology but was " terminated '' and I was given a new Broker The home appraisal was done about the 1st week of XXXX and the appraiser determined our outside deck and a retaining wall on a patio ( about 20 ' from our home ) needed to be repainted. It was to cost us {$900.00} but was completed on XX/XX/2020. 

On XX/XX/2020 we were first asked ( the first of 4 conference calls ) to join in a conference call with XXXX XXXX NewDay 's agency for Mortgage verification. 
Newday kept losing or were getting incomplete documentation from XXXX XXXX. 
We returned home yesterday and when I called NewDay my broker XXXX XXXX told me that XXXX XXXX hasn't given Him the new payoff balance ( the original figure has changed because of NewDay 's " foot dragging '' ) and asked me to call

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC.
State: DE

Complaint narrative:
XX/XX/2020- I reported NetCredit to the XXXX  because they repeatedly lied to me on multiple platforms. XX/XX/XXXXwas also the day they sent me an email saying they could no longer help me because I did not submit the proper paperwork. ( This was the lie ) After speaking to a customer service representative on XX/XX/XXXX, they told me the only way I could get my loan read was to resubmit my application. I told them I did not want to and wanted to speak to a manager. 

XX/XX/2020- In my middle of the night, they read my application, gave me my verdict, and pulled my credit score. I did not permit them to do this or reapply as they told me I had to do. This, to me, is now a legal matter because I did not give them consent to pull my credit score. The only way they would have pulled it is if I reapplied, which I did not, or if they reapplied for me, which I did not permit them to. It is a clear violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I saw a collection on all 3 credit bureaus on my report from DEBT RECOVERY SOLUTIONS for {$550.00}. I did not get any type of letter from XXXX letting me know that they own the collection I never got any correspondence from them stating that I owed the money or was aware of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Collection Service of Nevada
State: NV

Complaint narrative:
Collection services of Nevada XXXX XXXX XXXX  too. Has conspired to fraudulently charge me with these collections that are not do. They have used the processing system that is established by the government to eat legally charge me with these charges and they have no evidence no documents to prove that their statements are correct I have evidence that shows that they have not been responding correctly and evidence also is appropriate to show that they had been fraudulently trying to collect money for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Service of Nevada
State: NV

Complaint narrative:
XXXX XXXX XXXX  and collection services of Nevada Have conspired to fraudulently charge me with this collection charge off. XXXX XXXX XXXX  has fraudulently has accounted for billing against me and file collection charges against me. XXXX XXXX XXXX  has no legitimate documents to prove other than written dollar amount that don't comply to the documents of charges that I haven't closed as follows if you look at the charge she it doesn't respond or connect to the handwritten dollar amounts that are on the accounting and billing statements. This is utterly nothing but a fraud set up and I want this taken care of legitimate 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 2020-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
I have been trying to have credit issued to us for escrow overcharges through a modification. This complaint has been filed with you since XXXX to the present in my complaints which provide the documents from us and their responses without any resolution. This complaint was filed with CfPb and ct sate attorney which ocwen settled in XXXX and XXXX which we did not receive any compensation damages since both settlements. An agent from CFPB provided me address to ocwen ombudsman yesterday requesting I call them and ask for my compensated damages. I also sent out to XXXX and ombudsman with the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
XX/XX/20 : Opened Coinbase XXXX ( product division of Coinbase ) account ; verified all information requested including driver 's license & personal picture upload XXXX : Deposited {$70000.00} usd without any issue or indication that any information was lacking XXXX : Deployed deposited funds to purchase XXXX  ( at which point coinbase profited heavily off my transactions XXXX XXXX : Account was frozen without notice ; subsequent attempts to alter my held positions were unavailable as " trading was disabled '' on the account. 

After reaching out to Coinbase I have not received anything but a generic response from the company, despite numerous inquiries, as to why my account was disabled. As a result of not being able to manage and trade my positions, I have incurred {$1700.00} in direct monetary damages as of this submission. 

I have never experienced this type of customer service from a financial institution, much less one that allowed me to deposit significant money then freeze my funds only after they profited from deployment. I would like relief from this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One refused to release the payment that was made on my account stating the bank I used to make the payment was holding the funds. I confirmed with the bank and they stated that was not true and in fact I can even see that the money was deducted from my account as well as my bank can too. I called Capital One with the bank on the line to verify the information and Capital One stated they can not released the funds until the payment is confirmed. They will not even speak with the bank to even verify so it makes NO sense!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
We have a HELOC with US Bank. We are trying to refinance our first mortgage and apparently need a " letter of subordination '' from US Bank. We started this process in XX/XX/2020. And have been in contact with US Bank at least weekly since then trying to get them to do their job. We have repeatedly been told ... '' it is being worked on '', " it'll be complete next week '', '' we never received the documents ( or spoke or emailed ) with you '' despite they actually getting all the data/communications that they have asked for, " it is complete and approved and we sent the correct forms '' ( followed by " there are a few more steps before we can approve it '', etc. On Monday, this week, they said they sent the letter. On Tuesday, they said they made an internal mistake and it is not ready yet. 

US Bank has now cost us several thousand dollars by delaying our refinance.

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 2020-12-09 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: NC

Complaint narrative:
I have a XXXX XXXX credit card that is being reported by the CRAs as late for the following months : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This information is inaccurate and despite providing proof of payment to XXXX XXXX on several occasions, my payment history has never been updated or corrected by the CRAs. This is a violation of the Fair Credit Reporting Act and I would like the erroneous information removed immediately. This inaccurate reporting is having a severe negative impact on 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 2020-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have An account with Bank of America, There is XXXX in unauthorized ACH transfers to XXXX XXXX that i did not authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: AZ

Complaint narrative:
I was pre-approved and applied for the loan on Prosper. I was subsequently rejected and had my account suspended because I opted to use a newly opened checking account for depositing of the funds. This was not disclosed as an issue in any remotely clear terms in the application process or I would've selected another checking account which I've had open for several years that I am in the process of closing. Moreover, they gave no opportunity to select a new account and instead did a hard pull that did nothing but negatively impact me for something that was easily fixable.

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 2020-12-09 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: NC

Complaint narrative:
I have a XXXX XXXX credit card that is being reported by the CRAs as late for the following months : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This information is inaccurate and despite providing proof of payment to XXXX XXXX on several occasions, my payment history has never been updated or corrected by the CRAs. This is a violation of the Fair Credit Reporting Act and I would like the erroneous information removed immediately. This inaccurate reporting is having a severe negative impact on me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: NC

Complaint narrative:
I have a XXXX XXXX credit card that is being reported by the CRAs as late for the following months : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This information is inaccurate and despite providing proof of payment to XXXX XXXX on several occasions, my payment history has never been updated or corrected by the CRAs. This is a violation of the Fair Credit Reporting Act and I would like the erroneous information removed immediately. This inaccurate reporting is having a severe negative impact on 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 2020-12-09 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: NC

Complaint narrative:
There are two hard inquiries on my credit report from the same company that I did not authorize. The company is XXXX. The date of the inquiries are listed as : XX/XX/2019 and XX/XX/2019. I have NEVER done business with this company, nor have I authorized any type of credit check. I've contacted both XXXX and Equifax directly, to no avail. Neither of these agencies can show proof that I have ever done business with XXXX, yet for the last year has listed the inquiries on my credit file. Equifax has the audacity to put the burden of proof on me by requesting that I investigate my own claim, in an effort to prove " fraud '' ( get a police report, have XXXX submit a " removal request '', etc. ). This is ridiculous! Shouldn't Equifax be the ones conducting the investigation and having XXXX provide the burden of proof? This is a blatant violation of my rights under the Fair Credit Reporting Act. Hard inquiries have an adverse affect on your credit and score ... this erroneous reporting has had a severe negative impact on me and I'd like the items removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
AMSHER COLLECTION SERV is attempting to collect a debt that was a result of identity theft, the account was fraudulently opened and the original creditor XXXX had already removed said account from the credit reporting system 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
All of my positive credit history was completely deleted from my credit report. 
Sunday, XX/XX/XXXX, I got a notification from several platforms notifying me that my credit score has dropped drastically, from XXXX to XXXX. I called Equifax, ( on Sunday XX/XX/XXXX ), around XXXXXXXX and spoke with a young lady who stated she was unable to help me with any information. I called back around XXXX and spoke with XXXX. I provided all of the security answers for him and advised him of the change on my report. He was very kind and helpful. He told me that on his side, he was able to see all of my positive accounts such as credit cards and car loans paid on time. He told me there was nothing to worry about and mailed out a copy of my credit report, confirmation XXXX. 
Monday morning, XX/XX/XXXX, I check the Equifax website myself. My score is now showing at XXXX with NO POSITIVE INFORMATION. I called Equifax again at XXXXXXXX and spoke with XXXX . He was kind at first, but was not understanding what i meant. He kept telling me that Equifax and MyEquifax are two different sites and that Equifax can be incorrect. I advised him that i am a paying consumer who demands my accurate information be updated as i have been denied credit due to their lack of consistency. I asked to speak with a XXXX, XXXX hung up on me. 
I called back at XXXXXXXX and was transferred to a manager, XXXX XXXX Employee ID XXXX. He proceeded to ask me security questions. I reported to him everything that was possible to be on my report, but he refused to give me access to my information. I have gone through this security test EACH time I've called. The one time I get through to a person that should be able to provide me with the assistance I am requesting, then all of a sudden, my answers are incorrect. This is a poor excuse of management and a legitimate business. I find it funny how all of my positive accounts have been removed, yet, there are remaining negative accounts. I also mailed out a final letter validation letter including my proof records from XXXX and XXXX to them. It was signed and received by Equifax on XX/XX/XXXX. No explanation of why all of my positive accounts were removed. How is this possible? They refuse to correct my credit report even though it is clearly their negligence. The irresponsible, inaccurate, and defamatory reporting of PAYING consumers ' personal credit information is illegal and i will seek public justice and compensation if this is not corrected immediately. This is absolutely unacceptable. 

I am requesting all of my positive credit history/current accounts be placed back on my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: OK

Complaint narrative:
XXXX XXXX XXXX c: XXXX

XXXX XXXX XXXX c; XXXX

are not mine 

equifax reporting wrong information

Company response to consumer: Closed with explanation