vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a Factual dispute to XXXX, Transunion and XXXX  on XXXX XXXX. It was regarded a late payment and incorrect reporting as well as inaccurate account numbers discrepancies in the difference dates of the reported late payment on each credit report. I submitted supporting documents and never heard back. My reports never updated to show account in dispute. I made several calls to them and nothing was done. I waited at least 45 days and called and one by one each credit bureaus claimed to have completed their investigation and never mailed me any proof. XXXX  actually removed the late payment and then reinserted it back on credit report. XXXX  has a 90 day late reporting for XX/XX/2018, XXXX  has it showing XX/XX/2018 and Transunion has it showing late XX/XX/2018. I further disputed the way the late was reported. No 30 or 60 day late the jump to 90 day late which the FCRA 609 guidelines clearly states is unlawful.

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 2021-05-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a Factual dispute to XXXX, XXXX  and Experian on XXXX XXXX. It was regarded a late payment and incorrect reporting as well as inaccurate account numbers discrepancies in the difference dates of the reported late payment on each credit report. I submitted supporting documents and never heard back. My reports never updated to show account in dispute. I made several calls to them and nothing was done. I waited at least 45 days and called and one by one each credit bureaus claimed to have completed their investigation and never mailed me any proof. XXXX  actually removed the late payment and then reinserted it back on credit report. Experian has a 90 day late reporting for XX/XX/2018, XXXX  has it showing XX/XX/2018 and XXXX  has it showing late XX/XX/2018. I further disputed the way the late was reported. No 30 or 60 day late the jump to 90 day late which the FCRA 609 guidelines clearly states is unlawful.

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 2021-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: OK

Complaint narrative:
I reached out to Midland Mortgage about removing my late payments and they declined, They are in Violation of 15 U.S.C 1681 a. section ( 2 ) Exclusions. ( i ). This information was solely between me and the organization. Additionally, they are in violation of 15 U.S.C. 1681 ( a ) # 4 my Right to Privacy ; also, violation of 15 U.S.C. 1681a 2 ( b ) any transaction that arose from using my ssn, dob, or services that I initiated should not be listed on my consumer report. I have not given written permission to report this information to my consumer report. ( Violation of 15 U.S. Code 1681b ( a ) 2. 


My driver 's license attached.

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 2021-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
They never admit that they are a debt collector and that they are attempting to collect a debt. The information they have is incorrect. It lists XXXX XXXX as the employer ( XXXX  XXXX XXXX XXXX ) when my employer was XXXX. They are listing insurance that I did not have at the time I was admitted to the hospital. The insurance that I had and still have that should have covered the bill was Nevada XXXX. I called the hospital and Nevada XXXX is listed as the primary insurance. I have directed them to the billing department for the hospital and the insurance company but they refuse.

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 2021-05-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have had a money market/savings account with Capital One for more than 15 years. A few months ago they closed my account without informing me and moved my funds to a different savings account. It is my suspicion that when they did that, they mistyped my husband 's social security number because all of a sudden my account was locked. I had a significant amount of funds in there, and I called the bank several times. They told me the first time they could only talk to my husband. Luckily he had come home during the 45 minutes I had been on hold. They asked me to send a letter in stating his social security number. In my haste, I apparently forgot to date the letter. They never informed me of this until I called again a month later ( and was on hold for another 45 minutes ). At that point I asked to close the account. They told me they couldn't do that until I sent in another letter, which means that I have to be on hold for another 45 minutes. Until then, my money is unavailable to me. 

In the meantime, I received a letter stating that someone I never heard of has been removed from my account. As you can imagine, that made me panic- who was this person who once had access to my account? Clearly the company has made some major mistakes but yet I'm the one who can't access my money. 

I have sent yet another dated/signed letter over three weeks ago, and my account is still locked. I have no desire to spend another hour on the phone for them to tell me they can't do anything. Is this legal for them to keep more than {$5000.00} locked up when both I and my husband have verified our identities over the phone? Is it legal for them to move money from one account to another without telling us and then lock our account with no explanation? As I no longer want to have a savings account, I feel as though they are keeping my money locked up against my will

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: LA

Complaint narrative:
XX/XX/2021, abruptly could not access my Coinbase account. Fearing someone was trying to manipulate the account I submitted a request to close access, then reported this to Coinbase. Following their instructions I tried to regain access but was unable to and reported this to them. XX/XX/XXXX they indicated they were not able to They responded that they were unable to resolve the issue, and would be back with further instructions within 10 days. No such response ever came and I issued a new support request on XX/XX/XXXX and got a response that this support request was being added to my original one, and that I should get a response ( " generally within 4 or 5 days '' ). I have heard nothing as of today XXXX XX/XX/XXXX XXXX. Because of the inability to access my account, I was not able to withdraw over $ XXXX, and the value of the account has now dropped significantly while I continue to wait. Over one month has passed and I have received no communications and the account continues to display " temporarily disabled '' if I try to log in.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Phoenix Financial Services LLC
State: NY

Complaint narrative:
Hi My name is XXXX XXXX and I pay monthly fee with experience for {$24.00} a month to monitor my credit to monitor my on line activity etc.. I have yet even with the paid membership even retrieves my cycle score with either XXXX XXXX or XXXX. The reason why I got the credit monitoring with due to after the 2017 XXXX  breach that's when I've been having issues with my devices and my personal private information exploited and sold to White collar criminals. My information was found in the dark web email telephone numbers you can addresses to even like children and my other family members you are deceased and no longer with us. If you're able to get back to me with some type of guiding hand or an some information or stepping stone and how it could go about to resolving this matter I mean even my credit report is written with mistakes and none of the major banks have any hard copies of increase into my credit report. I have {$2400.00} total of debt and my credit score. And my credit score is it available which I don't understand why yes I did inquire to XXXX  and they had said that due to the lack of prior credit and the unestablished credit needed for credit score which doesn't make sense to me even people with bad credit have a credit score whether it's to bring some XXXX to XXXX. If you're able to get back to me my email is XXXX and my telephone number is XXXX thank you very much have a good day

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: PA

Complaint narrative:
I submitted a dispute with Equifax ( Confirmation number : XXXX XXXX on XX/XX/2021 with an estimated completion time of XX/XX/2021. As of today, XX/XX/2021, they have yet to finish their investigation nor contact me. This is well beyond their 30 day time frame, and I want to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I obtained a payoff quote for a HELOC with SPS Portfolio that was good until XX/XX/2021. I paid the amount stated in full on XX/XX/2021. The amount due was less than {$100.00}. The mortgage company is refusing to verify this loan is paid, remove the lien from my home, and have added a fee of {$17.00} which I am refusing to pay XXXX what is it for? ). 

I have emailed my " Relationship Manager '' 6 times in 4 weeks and the only reply I get is a form letter " Acknowledgement. '' I called and spoke to a rep and supervisor who assured me that I was correct and the situation would be rectified. It has not been. 

Now they are saying funds " must be certified '' when that was never a stipulation before and the funds were removed from my account weeks ago. On top of all that, they then sent a letter that my loan has been sold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
on XX/XX/2021 i have sent in disputes to XXXX  and transunion and i have not got a reply from each one of these companies. this is a violation per FCRA.

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 2021-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet financing was selected to discharge {$30000.00} loans for veterans of XXXX percent XXXX. I filed the application in early XX/XX/2021 to have these loans discharged. I checked back 90 days and nothing has happened, I checked back over 120 days and still nothing has happened. I filed a complaint in earlly XXXX with Nelnet about this and they didnt even investigate that complaint. When I called them today again, XXXX XX/XX/2021, the supervisor said she was going to file another complaint about the first complaint that wasnt investigated. This is ridiculous as people are waiting for their loans to be discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I tried to get a loan on line and the company giving the loan was a scam they deposited funds in my account where i had to return them to raise my credit score chase bank held the checks for days and still cleared the funds knowing it did not have my signature on them after they cleared the funds I was under the impression that the company giving the loan was good so after I returned the funds to raise my score chase put my account at a - XXXX dollars where at that time I knew there was a problem so I contacted chase and asked why my account was at a - they told me that the funds that the finance company giving the loan altered checks that were deposited in my account where I explained them checks came from a finance company named XXXX XXXX financial for a loan I was trying to get, I then got copies of the checks in the mail and seen they did not have my signature on them so I asked chase why did they clear them they did not have a answer and told me I am responsible to pay back the funds when they know I am a victim of fraud I am not responsible for this scam committed against me and feel chase is wrong. They also took my sisters XXXX check that was deposited in the account and cashed it when they should not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Me and my partner purchased a vehicle in XXXX in Massachusetts, financed through Wells Fargo auto loans. In XXXX we moved to Illinois and registered the car in IL. The IL Secretary of State issued an IL title which it sent to Wells Fargo. In early XXXX we refinanced the loan through XXXX  XXXX XXXX. At payoff, Wells Fargo issued a Massachusetts title that voided our IL title and caused us to have trouble re-register our car in IL, incurring additional fees. Wells Fargo has contended they never received a copy of the IL title even though the IL Secretary of State has a record of its issuance.

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 2021-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bepensa Capital, Inc.
State: NJ

Complaint narrative:
CREDITO REAL USA FINANCE , LLC XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX. HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$7400.00}. I HAVE PROOF MY CAR INSURANCE PAID FULL BALANCE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC
State: AZ

Complaint narrative:
In the early part of XX/XX/2021, I sought to refinance my VA loan to take advantage of the equity in my home. Due to hearing ads on the radio, seeing them on television and the internet, and because of the constant barrage of mailings I receive at home, I decided to give NewDay USA the opportunity. I filled out the form online, and was contacted by an XXXX XXXX to begin the process. For nearly a month, I ensured all of the documentation I needed was obtained, the termite inspection was completed, and everything else required of me was done to satisfy the needs of the lender in order to move forward with the refinance. 

I was contacted by XXXX within the first week of XX/XX/2021 to ask about a loan modification that I recently made to my current mortgage. I explained to him that because of the COVID pandemic, and the uncertainty that so many of us felt, I took advantage of a forbearance program offered to me by my current lender, XXXX XXXX. I detailed how the uncertainty of sustained employment and being able to meet my financial obligations led me to participate in the program, and due to the legal Avenue available to me, I was granted two three-month reprieves in making my mortgage payment. At the end of that six month period, I was to participate in a trial loan modification ( which lasted three months XXXX, and at the end, resume a new mortgage with a modified payment. I met all of the requirements and was NOT delinquent in my mortgage payments, as the COVID relief legislation mandated/authorized, and my credit score was not adversely affected. 

However, because of this participation in the loan forbearance and the loan modification, I was denied credit, despite the countless assurances from XXXX that things were going smoothly and that closing would happen sometime in the middle or near the end of XX/XX/2021. 

Fast forward to today, XXXX XX/XX/2021, when I received in the mail a letter from NewDay Financial with the heading Notice of Action Taken and Statement of Reason ( s ), Statement of Credit Denial, Termination or Change stating that I was denied credit because of one checked box : Delinquent past or present obligations with others. 

This denial reason is a fabricated and blatant XXXX as I met all of the legal requirements authorized for me to use and WAS NOT delinquent in my mortgage or any other debtor/creditor through out the COVID pandemic. I find this type of lying, deceit, and downright dishonesty despicable, and NewDay should be held accountable for their false and fictitious XXXXXXXX

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 2021-05-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN

Complaint narrative:
In three transactions over the past 4 weeks in paying from my intended USAA checking account to my USAA credit card, the balance was unintentionally payed from an external, closed account at another institution. The USAA mobile app allowed for both accounts to be named the same name, thereby making it unclear which account the credit card was being payed from and the wrong ( closed ) one was unintentionally selected. I determined, with USAA 's assistance, that I had unintentional and misleadingly payed from the wrong account ( which is closed and unavailable ). I asked for these payments to be canceled or reversed and for me to be allowed to immediately pay from the proper account. I was told this is not possible and that I would have to wait until the payments fail at some unknown, future date. I asked if I could pay proactively anyway, but was told this is not possible with the current system interfaces. Instead it became clear that instead I will receive multiples fees and potentially interest payments for these failed transactions whenever they occur. I have attempted to proactively pay and correct a situation that I was misguided into by the USAA app through improper design, but have not been allowed to do so. I spoke through online chat with an individual named XXXX XXXX at approximately XXXX central time on XX/XX/2021 regarding this issue without resolution. I was promptly hung up on without resolution when I raised my concerns regarding unfair practices associated with being charged fees when I am trying to proactively pay my account but can not due the bank 's system limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: NY

Complaint narrative:
I contacted Equifax 3x about updating my XXXX  XXXX XXXX XXXX account and My XXXX XXXX Loan That Was Filed In My Chapter XXXX Bankruptcy And They Are Still Showing These Accounts As Open And Delinquent Which Im Currently Trying To Have Them Fix The Issue For the 3rd time. Ive Reached Out To XXXX And They Too Are Refusing To Update Information as well as most of my accounts which were never delinquent before my bankruptcy and after I filed they put all my accounts derogatory over the credit limit and delinquent which is fraud and abusing misinformation on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I was sent two fraudulent checks. The sender then requested money be sent via XXXX and scammed me out of {$1200.00} XXXX {$700.00} ) ( {$500.00} XXXX The sender has not responded to any communication and I am concerned they have access to my information. I have reached out to the seller via text and by phone, to no avail. 
I contacted JP Morgan Chase, I have had an account with them for over 15 years. At this point it feels like there has been no support or protection. I have never had an issue and I would think my bank would take into consideration and help me during a time someone took advantage of me. There has been no protection or indication of a follow up with me. I would like to get this case resolved as I am now at a disadvantage, even more so as we are in a pandemic. COVID-19 has had a severe impact on my finances and I have done my best to save when and where I can. Due to the nature of this, and severity of the situation, of which I am sure I am not the first victim, I am asking that we can file a XXXX Chargeback Claim or file a complaint with JP Morgan Chase.

Company response to consumer: Closed with explanation