vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company
State: AZ

Complaint narrative:
GUILD MORTGAGE CONTINUES TO IGNORE MY REQUESTS AND REFUSE TO PROVIDE ME WITH FOREBEARANCE UNDER THE CURRENT LAW WITH COVID THEY STATE THEY CALL ME OR SEND EMAILS TO WHICH THEY THEN DROP THE BALL AND CONTINUE TO REFUSE ME FOREBEARANCE WHEREBY I CAN PLACE MY MORTGAGE PAYMENTS ONTO THE BACK OF THE LOAN AS THE LAW ALLOWS

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I started receiving calls from a local number claiming to be XXXX XXXX and they never left voice mails and would call twice a day. And XXXX always calls me from an XXXX and always leaves a voicemail. And i finally answered and knew right away they were fraud and were trying to get me to pay {$140.00}. I called XXXX right after and let them know and they said my account was in good standing. And I kept getting calls until i told them they had the wrong number then I got a collection bill for the same amount from Convergent Outsourcing Inc. and I looked up the company and its a scam. The whole thing is all a scam. I didn't pay them anything because I know my account it in good standing.

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 2021-03-22 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: IL

Complaint narrative:
I recently discovered that the statue of limitation on debt in TX is 4 years. I filed a dispute with the credit bureaus twice and XXXX XXXX repeatedly failed to address the new law passed in XXXX. I filed an internal dispute via the bureaus customer service and requested they specifically code the dispute to address statue of limitation. XXXX XXXX  response was to charge off the account XXXX times on all three bureaus. XXXX XXXX  wilfully and knowingly submitted Erroneous information to all 3 bureaus in violation of the XXXX CFPB settlement prohibiting the bank from submitting Erroneous information to credit bureaus. 4 months ago XXXX XXXX Bank was sold to XXXX XXXX. As of last week XXXX XXXX forwards all call to XXXX XXXX, XXXX XXXX reports " no record '' of my account. The entry on my Bureau Report is from XXXX XXXX and the XXXX charge offs were submitted by XXXX  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 2021-03-22 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: IL

Complaint narrative:
I recently discovered that the statue of limitation on debt in TX is 4 years. I filed a dispute with the credit bureaus twice and XXXX XXXX repeatedly failed to address the new law passed in XXXX. I filed an internal dispute via the bureaus customer service and requested they specifically code the dispute to address statue of limitation. XXXX XXXX response was to charge off the account XXXX times on all three bureaus. XXXX XXXX  wilfully and knowingly submitted Erroneous information to all 3 bureaus in violation of the XXXX CFPB settlement prohibiting the bank from submitting Erroneous information to credit bureaus. 4 months ago XXXX XXXX XXXX  was sold to XXXX XXXX. As of last week state farm forwards all call to XXXX XXXX, XXXX XXXX  reports " no record '' of my account. The entry on my Bureau Report is from XXXX XXXX and the XXXX charge offs were submitted by XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: IL

Complaint narrative:
I recently discovered that the statue of limitation on debt in TX is 4 years. I filed a dispute with the credit bureaus twice and XXXX XXXX repeatedly failed to address the new law passed in XXXX. I filed an internal dispute via the bureaus customer service and requested they specifically code the dispute to address statue of limitation. XXXX XXXX response was to charge off the account XXXX times on all three bureaus. XXXX XXXX  wilfully and knowingly submitted Erroneous information to all XXXX bureaus in violation of the XXXX CFPB settlement prohibiting the bank from submitting Erroneous information to credit bureaus. 4 months ago XXXX XXXX XXXX  was sold to XXXX XXXX. As of last week state farm forwards all call to XXXX XXXX, XXXX XXXX reports " no record '' of my account. The entry on my Bureau Report is from XXXX XXXX and the XXXX charge offs were submitted by XXXX 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 2021-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I FILED A DISPUTE LAST XX/XX/2021 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 50 DAYS. I FILLED A XXXX DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This account was paid and closed in XXXX. The credit report updated on XX/XX/2021 to show that the balance of {$170.00} was closed and paid. Today on XX/XX/XXXX I received an alert and a credit score drop due to the account showing that I have a {$170.00} increase on my credit report for XXXX XXXX There should be no increase as this account was paid off and closed XXXX months ago. I have attached proof of documentation..

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 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Self Financial Inc.
State: IL

Complaint narrative:
This account was paid and closed in XXXX. The credit report updated on XX/XX/2021 to show that the balance of {$170.00} was closed and paid. Today on XX/XX/XXXX I received an alert and a credit score drop due to the account showing that I have a {$170.00} increase on my credit report for Self Lender. There should be no increase as this account was paid off and closed 2.5 months ago. I have attached proof of documentation..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: NY

Complaint narrative:
I Filed a dispute in regards to the inaccurate information on my credit report, it has been well over 30 days and I haven't received any investigation result. 

Date XX/XX/2021 amount XXXX XXXX XXXX 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 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
This is a follow up to Complaint # XXXX which was opened on XX/XX/XXXX and closed on XX/XX/XXXX. 

I refinanced my loan and the balance with Amerihome was paid in full on XX/XX/XXXX. An escrow refund in the amount of {$4700.00} was owed to me at this time. 

After months of nearly weekly calls with customer service consisting of conflicting information and no resolution, I mailed a notification of error to Amerihome on XX/XX/XXXX. It was received at Amerihome 's XXXX XXXX XXXX XX/XX/XXXX. I never received a response to this notification of error. 

On XX/XX/XXXX, I placed my initial complaint with CFPB, Complaint # XXXX. 
On XX/XX/XXXX, I received check # XXXX from Amerihome that was dated XX/XX/XXXX, but postmarked XX/XX/XXXX. 
On XX/XX/XXXX, I signed and deposited this check with my financial institution, XXXX XXXX XXXX. 
On XX/XX/XXXX, I was informed by XXXX of a stop payment placed on check # XXXX, the balance with immediately rescinded from my account, and a stop payment fee was charged to me. 
On XX/XX/XXXX, Amerihome responded to my initial CFPB complaint referencing check # XXXX. 

As of today 's date, XX/XX/XXXX, I have not received any funds from Amerihome for the escrow refund associated with Loan # XXXX in the amount of {$4700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been a victim of identity theft please help 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 2021-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a letter from the debt collection agency XXXX XXXX XXXX, XXXX stating I owe a debt in the amount of {$3300.00} that was owed to original creditor SYNCHRONY BANK and merchant PAYPAL in which XXXX XXXX XXXX, XXXX is the current creditor of this debt owed. I did not take out any type of credit with these creditors stated.

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 2021-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have an Amazon Credit Card via Synchrony Bank I found that the interest rate is 25.99 % and I am being charged an interest rate equal to 36.9 % I spoke to a manager at length and was informed that I was responsible to pay interest not only on my current months balance but also on my previous months balance owed which brought my current interest payment to 36.9 % not the 25.99 % as stipulated in the agreement. 

Although the manager agreed on the current billing periods balance I was advised I was still required to pay interest on the previous months balance that was paid down by half. 

I asked if I owed {$10000.00} last month and paid {$9900.00} on time leaving a {$.00} balance what would my current payment be to bring my account to a {$0.00} balance the following month if paid on time. 

Reply : You would owe {$210.00} to bring your account to a {$0.00} balance not {$.00} if paid on time. You would owe interest not only on the current billing period but also interest on the previous billing period on the monies you have paid off on time What??? 

If they are doing this to me how many other consumers are they doing this too : This is nothing but consumer gouging ; turning un-owed monies into millions of dollars of company profits!!!!! 

You may lose your car, lose your home, have your families torn apart but we will be paid through you or our collectors but make no mistake about it we will be payed our profits we say you owe us!!!

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 2021-03-22 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: CT

Complaint narrative:
I have tried to send serveral rounds of letters to the bureaus with no responses as well as no results from my letters. I'm showing incorrect information still. I should have gotten a response from the bureaus but never recieved a single letter back.

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 2021-03-22 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: ID

Complaint narrative:
I tried to apply for a secured credit card and my Equifax credit report has a " fraud alert '' on it so I called them. I do not have ANY credit. I contacted Equifax and they told me they have no account for me. They told me to send them proof of my SS # and Driver 's License. I did that. They told me 3-5 days to get verified. It has been 18 days now and they will not allow me to pass through their prompts on their Customer Service line anymore. I enter my info and they say " You can not be verified, goodbye. '' I have no other way to contact them to get them to release this inaccurate " fraud alert. '' I tried registering online, same result. I tried 6 different numbers, same result. I finally searched for a direct line and someone answered and put me on hold for 30 minutes. They have no chat, and all the phone numbers lead to same prompts. I do not have any recourse to get them to release this inaccurate information. This company has HORRIBLE reviews and needs to be regulated!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 36 DAYS. I FILLED A XXXX DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2021-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I found out about this debt after I got my credit report. I asked them to validate this debt with information and they have yet to supply me with it. I told them it is unlawful to try to collect a debt which includes reporting it on my credit report but they are ignoring my request for validation and neglecting the law by reporting it on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I wanted to attend XXXX  XXXX University, the day before move in they said I needed XXXX $ XXXX tried to apply for a loan but needed a co signer. My aunt co signed ... its been collecting interest since 2008. My student loan has now double, I cant afford to make payments and the only help they offer was to pay the interest that was still almost XXXX $ while the payment is XXXX $ a month. They also asked if I could get help with my payments. I just dont see how I will be able to pay this student loan off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
Filed complaint XX/XX/2021 lettter addressed as follows as prescribed by American Express dba AMEX : American Express XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  New York XXXX XXXX : Failure to Perform Claim Notice : XXXX XXXX Preferred Card ending in XXXX Rewards We activated our XXXX cards, names XXXX and XXXX XXXX, in early XX/XX/2021. Weeks later we received Detail of Changes to Your Cardmember Agreement including 'Sending a Claim Notice ' pg. 6 of 11. 

We have made timely monthly payments for grocery purchases to AMEX but no Rewards have been applied. Monthly average over {$1000.00} a month. 

Still no response from AMEX. Monthly payments to AMEX since XX/XX/2021 nor response per their requirement to " complain '' filed nearly 2 months ago, i.e., since XX/XX/XXXX. We are now requesting assistance from the CFPB in XXXX DC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: DC

Complaint narrative:
I have had a Coinbase account for over 4 years and should have a balance in the account now of around {$7000.00}. For the last three months, I have not been able to log into the account. They have two part verification but do not send the SMS code so I can log into the account. I have tried all their " customers serivce '' options and only get computer generated tips. I need to get into the account so I can close it. They seem to have no human assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Kohls/Capital One is reporting a debt on my credit file on my credit file, that I do not owe. 
I recently checked my credit file and noticed this debt, I immediately called to verify this debt and I paid it off. Not once did I receive any notifications about this debt, phone calls, or any letters. This is pure violation of my 30 day right to dispute per the FCRA. I am requesting this debt/account to removed off my credit file for the terms of violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/2020 I have purchase XXXX XXXX via my XXXX bank I have proof worth of XXXX via App called Coinbase, I have a level 3 verified account. Few days alter I misplaced my phone for few hours and than regained access to my phone without comptonization of my private data. After that my coinbase account got locked, I opened a ticket with them but so far it's been over 35+ days where I just received confirmation email without anyone trying to unlock my account so I can use my funds. I'm emailing Coinbase Support on daily basis to solve my issue with locked account by they just ignoring my correspondence and not providing me a valid reason for no unlocking my funds. 

Please help, Coinbase Support XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The complaint is about Experian. I have a credit freeze placed on each of the 3 credit reporting agencies, and in applying for credit I am removing the freeze from each of them temporarily. While XXXX and XXXX  have provided an efficient means of temporarily lifting the credit, Experian provides a non-functioning website with no means of addressing the problem with them directly. This issue has occurred today, and at this point my credit information with Experian is stuck as frozen. 

See the attached image that doesn't provide the consumer sufficient information for self-resolution.

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 2021-03-22 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: CA

Complaint narrative:
I dont know where to start with this complaint and Im hoping you can help me. I have filed disputes with credit bureaus and I still havent got any response from them. What do I have to do to get an response from them? I thought they had 30 days to reply to my disputes and it has been over 30 days.

Company response to consumer: Closed with explanation