vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
Hi, my concern is my refinance mortgage in XX/XX/XXXX. My old conventional loan was with UWM, and my new refinanced conventional loan is with UWM. I used the same loan officer, and broker both times. My refi closed, funded, and disbursed on XX/XX/XXXX with a payoff for my old UWM loan good through XX/XX/XXXX. On XX/XX/XXXX UWM notified my escrow officer that we were XXXX dollars short on the payoff. That would be impossible, the payoff was good through XX/XX/XXXX. She sent another wire with that extra included. Then on XX/XX/XXXX UWM again sent another request stating that the payoff was short XXXX dollars. So the new payoff was good through XX/XX/XXXX and covered interest for the month of XXXX that I already paid with the funding of my new loan. So, reluctantly, I wired the shortage to title, and they sent the new wire out. So, in the end, I have double paid interest on an error with UWM 's servicing department. That is highly unethical, and illegal. I understand their servicing department has no idea what they are doing, however I want my money back, and money for the headache and hassle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-04 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: TX

Complaint narrative:
Home was damaged from hurricane Ida mortgage company approved me for forbearance for XXXX XXXX and XX/XX/2021. Mortgage company reported me as late to the credit bureaus and said the wrong code was sent should have been disaster code. Have been reporting this process since XXXX itll get fix and then itll go right back. I have emails and a statement from this mortgage company about fixing this issue and nothing is getting done. My husband and I were supposed to get a lower interest rate but the mortgage company messed up my credit score and we were set for closing. So this is a huge deal because they messed up our credit score

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 2022-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have four loans with Navient. I called Navient on XX/XX/22 to pay off one of the loans of {$1800.00} and specifically stated which loan. The representative on the line said the loan was paid off and that I would get a letter about it. 

I checked today and the payment was distributed across all four loans. Meaning I still have a balance and on the loan I thought was paid off and Navient is still collecting interest on a loan that should be paid. 

The representative said they would put in a request reallocate the money to the appropriate loan but since there is a balance, I am responsible for the accruing interest even though the mistake on was their end. 

This is a really bad practice to continue accruing interest and keeping people locked into high interest loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/2022, at XXXX am, I consumer XXXX XXXX, contacted NAVY FEDERAL to obtain the form so I may exercise my right to rescind. XXXX, a supervisor at NAVY FEDERAL, whom failed to provide his employee id, failed to provide me with the form, in accordance with regulations of the Bureau. Pursuant to 15 USC 1635, it states we have the right of recession in the case of ANY consumer credit transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Our mortgage servicing agent prior to XX/XX/2021 was with XXXX XXXX XXXX  XXXX. XXXX XXXX sold/transferred the servicing agent to PHH. We have NEVER missed a mortgage payment, and never been late with a mortgage payment in the 15 plus years we've been in this house. 

PHH continues to send out payment coupons that show TWICE the monthly amount of payment due, despite the fact that payments were never missed either before, during, or after the transfer to the new servicing agent. 

I have provided PHH on at least XXXX different occasions proof that all payments have been made, and that they need to correct their records to reflect that fact. Nevertheless, PHH continues to send out payment due coupons with twice the monthly mortgage amount due. This is not a problem of my making, and the evidence of on time payment is irrefutable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
There is something strange on how USAA does their banking for their customersthey show every transaction that clears your account but they do not show you the details on anything they return as nsf. Example : My direct deposit hits my account Bi weekly on Thursday funds are available on Thursday. I paid my mortgage payment on the first of XXXX. Per my mortgage company they submitted the payment to their bank on the XXXX of XXXX and their bank transmitted the payment to USAA on Thursdays to be paid. My direct deposit was in my acct and available on the XXXX of XXXX. I checked online and my mortgage payment had not hit my account as of yet. The next day I see a XXXX nsf fee saying mortgage payment was returned?? How?? My money was available and per online banking my mortgage payment had not hit my account how could it have not cleared. According to USAA they do not show you online or via bank statements on when items are presented or returned to the customers all they show is the nsf fee you incurred. When I asked the agents why they do not have an explanation. So if my mortgage pmt did hit on the XXXX of XXXX when my funds were available I would not know and it is designed for you not to know so you can not fight it. Per their corporate resolutions team they agreed but told me they have been doing business this way for yearsthis is a class action law suit they are doing this to access fees to their customers and you have no way of fighting it since the do not provide details of the transaction. This is deceiving the consumer and something needs to be done

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I have a cryptocurrency wallet with Coinbase ( Coinbase Wallet ). On XX/XX/2021, I've been scammed out of ~ {$11000.00} USD. Coinbase has a security weakness that the company is aware of, but has not done anything even to this day of writing. Through my attempts to recover my funds, I've found/connected with hundreds of victims who got scammed through Coinbase Wallet , with exact same methods. These hundreds of victims represent only a small number of victims that are willing to do something about it. I know with certainty that for every one of us that is doing something, there are tens of victims who are choosing to stay quiet due to shame and self-blame. Doing a quick math, there are thousands of victims who've been affected in the same matter. Even if you do a quick search online, there are many credible reports of staggering amounts of scammed money is in Billions ( USD ), which Coinbase, in a way, is choosing to help, by not doing anything about this known flaw. Coinbase has failed to protect my funds, which were stolen. Coinbase wallet product has security flaws that has allowed this to happen, and again, they are aware of the flaw, yet they blame the users/clients, shifting all the responsibility to the victims, when they fall to this known scam, using the DAPP ( decentralised application ) on Coinbase Wallet 's program. I understand that user/victims have some responsibility, but if the company is aware of such great/dangerous risks, they shouldn't have such ability accessible to laymen, which I'm sure 99 % of Coinbase 's users are composed of. As I've described in a extreme example, you can't hand a gun to a child, then blame the child for shooting himself. Less extreme example, you can't give access to a car to a child, then solely blame the child for letting him get into a HUGE accident. If you'd like any further details, you can feel free to reach out to me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have tried to contact these companies and advise they have the wrong person, and nothing happens. 
Below are a list of these companies, this error is keeping me from buying a home. 

1 ) XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$1400.00} 2 ) XXXX XXXX XXXX XX/XX/XXXX Balance {$590.00} XXXX ) XXXX XXXX XX/XX/XXXX Amount {$2100.00} 4 ) XXXXXXXX XXXX XXXXXXXX Opened XX/XX/XXXX Amount {$1400.00} 5 ) XXXX XXXX XXXX  XX/XX/XXXX Amount {$550.00} 6 ) XXXX XXXX {$1400.00} XX/XX/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 non-monetary relief
Consumer complaint received 2022-02-04 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: GA

Complaint narrative:
I sent in my police report and my FTC affidavit to the XXXX credit bureaus Equifax and XXXX XXXX Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these collection agencies. They then deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then XXXX accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. The fraudulent account reporting is as follows XXXX  XXXX XXXX Date Opened : XX/XX/2017 XXXX also has has all these names on the file that has nothing to do with me XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy XXXX accusing me of hiring a third party to submit a dispute on my behalf that is completely untrue. Enclosed is the letter I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: UPGRADE, INC.
State: GA

Complaint narrative:
I sent in my police report and my XXXX affidavit to the XXXX credit bureaus XXXX and XXXX XXXX XXXX department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these collection agencies. They then deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then XXXX accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. The fraudulent account reporting is as follows UPGRADE INC XXXX Date Opened : XX/XX/2017 XXXX also has has all these names on the file that has nothing to do with me XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX H XXXX XXXX XXXX XXXX XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy XXXX accusing me of hiring a third party to submit a dispute on my behalf that is completely untrue. Enclosed is the letter I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent in my police report and my FTC affidavit to the three credit bureaus XXXX and Trans Union Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these collection agencies. They then deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then Transunion accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. The fraudulent account reporting is as follows XXXX  XXXX XXXX Date Opened : XX/XX/2017 Transunion also has has all these names on the file that has nothing to do with me XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy TransUnion accusing me of hiring a third party to submit a dispute on my behalf that is completely untrue. Enclosed is the letter I appreciate your prompt attention to this matter, and await your reply.

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 2022-02-04 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: UT

Complaint narrative:
Inaccurate reporting on my credit report. Sent 1st dispute letter with certified mail Receipt XX/XX/XXXX. NO RESPONSE from Credit Bureau. Sent 2nd Letter ( 30 Day past due - NO RESPONSE LETTER ) as well as notification of inaccuracies still reporting and demanding deletion of account. STILL NO RESPONSE! Sent Letter # 3 on XX/XX/XXXX certified mail again demanding deletion of the account as the credit bureau had obviously not verified with the creditor. The account inaccuracies were showing multiple months of " XXXX '' which illegally re-ages the account. By not replying to the consumer as requested within the allotted time frame, violating the FCR Act as well as their willful non-compliance and violations of not doing their due diligence of investigating and verifying said account with the reporting company ... .. the account must legally be deleted from my credit 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 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/XXXX I received a notification that my Apple Credit Card ( issued by Goldman Sachs ) was being used at anXX/XX/XXXX. As I was sitting at home, it was clear that this was being used fraudulently. Before I could cancel the card, it was used a second time at a nearby store. Afterwards, I was able to cancel the card and was in touch with Goldman support to let them know about the fraud. The following day on XX/XX/XXXX, they applied a refund to my card in the amount of the fraudulent purchase. I thought all was well. 

On XX/XX/XXXX the refund was reversed, and I was told I owed ~ {$1200.00} ( for the fraudulent purchase ). In addition, I was immediately charged interest on this balance. I have gone back and forth with Goldman  support over this past week and they seem unable or unwilling to fix this issue, and have also shared with me they have reported to the credit agencies that I have missed a payment, obviously not a good thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/22 I completed an online mortgage application with Bank of America and spoke to a mortgage lender named XXXX who discussed mortgage options with me. I then received several notices that there was a new inquiry on my credit report from XXXX as an individual consumer inquiry. I never applied or agreed to have my credit run for any consumer loan. I initiated my mortgage process on XX/XX/22 and are within the 30 days allowed to ship for mortgages without it negatively impacting your credit. I contacted Bank of America again and they said Id need to dispute weight the credit bureaus however from prior attempts I am aware that the company that ran your credit is required to request the inquiry be removed. Bank of American fraudulently pulled my credit report and is now not attempting to remedy their mistake. Id like them to be required to have it removed from all XXXX bureaus immediately.

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 2022-02-04 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 — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I started by sending a letter to the company so that I could verify the validity of this account. I could not verify the account with the information I received. I sent 2 letters requesting this information. I then sent a cease and desist letter, I requested that they not report this unverified debt until I receive the information so that I could verify the validity. Next, I filed a complaint with XXXX. They responded but it did not show any information that showed this was my account. XX/XX/2022, I spoke with XXXX XXXX and XXXX XXXX ( collection supervisor ) about this problem and they were unable to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc.
State: OH

Complaint narrative:
Have not been able to reach a CS agent via phone not online/email. Can NOT access funds/balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian, XXXX and XXXX is reporting a fraudulent account .XXXX XXXX XXXX  XXXX DATE OPENED : XXXX XXXX {$450.00}. I request debt validation and verification letter. I file a identitytheft etc XXXX .. XXXX 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 2022-02-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In response to THEIR ADVERTISEMENT. That their score is get this " THE CORRECT SCORE '' BANKS AND LENDERS USE '' they omit the rest of it all! That is banks and lenders use only the middle score of the big three agencies and they onit some use 3rd parties who have outdated and incorrect information from the big three. My current score XXXX, here 's your credit snapshot Not Boosted 628 11 Learn more Experian XXXX XX/XX/2022 even though my debt to income went down!!!! And of course immediately impacting information posted while current and positive takes months. The scam of all scams.

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