vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I tried to get a credit score from Trans Union and was led to putting in information including Name DOB last 4 of social and credit card then I did not click anything and tried returning to the site using the user name and password The user name and password worked fine but I was denied access as they said they do not recognize me. I took pictures of the denied access. I then went to the credit card site that I input on Trans Union and saw not {$1.00} but an attempt to collect {$26.00} by TU : Transunion This apparently is some subsidiary of Trans Union that sells a subscription service. The website said that one can cancel at any time However by denied access to information one is unable to cancel. They texted me a code which I clearly suspected was weird as there was no company attached to the code ... I have saved that text as well. I contacted my credit card company to dispute the charge and as TU Transunion has not taken the money as yet ( It appears as pending ) I did file against the charge. All of this within an hour of inputting my info. I was informed by my credit card company that they have seen this before and to be aware that Trans Union may use a different name other than TU : Transunion to attempt to collect a monthly amount. They have seen several complain about this. Being denied access to the site is fishy to begin with I am able to sign in so why is this not secured? It is without a doubt a scam and Trans Union needs to be stopped I have read about the thousands of complaints online Trans Union being number one. They lead you to believe you are getting information for free then charge your credit card. That they get away with this is FRAUD and that CFPB can not stop them is odd. Hopefully enough complaints will come through to put a stop to this. My suggestion is that all credit card companies be forced to submit any complaints where fraudulent charges are filed. A database for complaints would allow bots to show how many are against specific companies. The ones that get complained about the most will go to the top of the list and can then easily be investigated. This should become law to protect consumers. Shared information from credit card companies should be mandatory especially complaints filed. Keeping this secret only hurts consumers. Also the email published by Transunion for customer service is bogus mail can not be sent there I copied from my phone and attached I also copied the denial to access of their site

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 2021-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
My paypal was permanently limited 7 months ago, then they released my funds for withdrawal in XX/XX/XXXX this year, then they again permanently limited my account in XX/XX/XXXX same month for holding my XXXX $ for another 180 days!!! 
I called paypal support but they didnt help me. They can't answer me why they limited my account after waiting 180 days? They hang up my call everytime. For the second limitation I can't withdraw my funds to linked bank account. 
I added the proof that they released and re-limited my paypal account. 
My paypal ID is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: Dodge Enterprises Inc.
State: TX

Complaint narrative:
i check my credit report and notice a large number of unauthorized inquiries and when i called they didnt assist me so i want to file a complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I opened a car loan with navy federal credit union on XX/XX/XXXX, the car was repossessed In XXXX. After the repossession car was then sold at a auction. I was action member in a law suit against navy federal and the case closed On XX/XX/XXXX where navy federal paid on and agreed to delete the loans off of the trade lines of members in the law suite within 90 days of the case closing which wouldve been XX/XX/XXXX however this account is still negatively showing on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
i check my credit report and notice a large number of unauthorized inquiries and when i called they didnt assist me so i want to file a complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: DC

Complaint narrative:
On XX/XX/XXXX, I sent a mortgage payment to my original servicer, XXXX XXXX. On XX/XX/XXXX, my mortgage servicing rights were transferred to CMC Funding, a subsidiary/affiliate of Specialized Loan Servicing ( SLS ). This complaint is about SLS not recognizing that XX/XX/XXXX payment. 

On XX/XX/XXXX, I called XXXX, asking for them to send the payment information to SLS. They indicated that it is up to SLS to reach out to them for the information. They emailed me a PDF of my payment history that I could provide to SLS. I emailed that information to SLS XXXX XXXX ). 

On XX/XX/XXXX, I emailed a completed Missing Payment Research Form to SLS to request that they undertake activities necessary to recognize that the XX/XX/XXXX payment was made. This email included a bank statement showing the original payment was made. I received an automatic reply saying they received the email. I received no other response. 

On XX/XX/XXXX, I again emailed the Missing Payment Research Form to SLS, complete with a bank statement showing the original payment was made. I received an automatic reply saying they received the email. I received no other response. 

Throughout this process, I have been calling SLS support. I've learned that the XXXX inbox is reviewed by staff at headquarters, who review incoming mail and assign emails to the appropriate accounts ( e.g., assign an email from a borrower to that borrower 's CMC Funding account ). It appears that nothing can be done until this staff do this assignment ; folks on the SLS support line can not even see that a Missing Payment Research Form has been submitted until that assignment has been made. Further, the only ability for SLS support individuals to contact staff at headquarters is by emailing that same XXXX inbox. 

When I've contacted SLS support, I've been told that they can not see that I've sent any emails, let alone the Missing Payment Research Form ( twice ). I have been told that I may resubmit the request form via email, fax, or mail, but that fax and mail will be received by the same team that reviews the email inbox.

CMC currently has my account listed as delinquent because of this missed payment. I understand that no late fees will be charged or other penalties applied during the 60 day window following the transfer of servicing rights ; however, given that SLS has not even confirmed that they are working on determining whether the XX/XX/XXXX payment was made, and that my account information does not reflect that a request was made for SLS to research whether the payment was made, I worry I will be penalized.

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 2021-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have sent multiple requests for my birthdate to be corrected on my Equifax credit report. I have been requesting the change since XX/XX/2021. It has not been changed yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NJ

Complaint narrative:
Loan Depot is charging my escrow account for insurance I do not need. I have been trying to work with this company since XXXX of XXXX when I was notified they determined I need flood insurance. While working with FEMA on the designation they took out flood insurance and charged my escrow account. In XXXX of XXXX they paid Wind Insurance to my home owners company, yet I live in a condo and do not need Wind Insurance. I already pay HO6 and the condo association pays the master agreement. Yet, they charged my escrow account again. I have have now spoken with eight different representatives at Loan Depot and I'm told I will see a refund and get a call back but I never do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: GA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 4. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. DEPT OF ED on XX/XX/XXXX XXXX Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I was trying to buy {XXXX} worth of Bitcoin from Coinbase. I was charged three times for the Bitcoin so roughly around XXXX {XXXX}. I have not received any of the cryptocurrency but have been charged. The part that is odd to me, is that my three transactions do not show up on my recent history when on the Coinbase application. I have read online there are others with a similar story. I have contacted Coinbase but havent heard back from them since I filed a complaint with them on Thursday. I want the cryptocurrency or my money back ASAP. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I dont understand why I keep me in the night for an Apple Card, I make my payments on my other credit card in time every month, Im just looking for a chance to prove myself I have a long time Apple Music I would like to purchase more items thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have sent a letter on XX/XX/2021, to all credit bureaus requesting validation of my accounts listed as derogatory. A period of 30 days had passed and I havent received any responses. I am worried that my records may influence my FICO assessments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: FL

Complaint narrative:
The Debt is for A business that has been closed for years. I requested documentation showing where I am personally responsible, and the contract provided only shows the business information, and none of my personal information. i never gave them any of my personal information to get this account open. it was all done under the business.

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 2021-06-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: MD

Complaint narrative:
I have an account from XXXX XXXX on experian credit report. It had been removed as fraud from XXXX and XXXX. Experian refused to remove it and my family suffered HUGE consequences. I settled with XXXX for XXXX and removal as during the pandemic I don't have 2 years and u can't get a court date so I was forced to pay under duress. Now experian is reporting the settlement as a payment and not a settlement nor have they closed they account. They reported I still owe XXXX on it and that was not the agreement. I shouldn't have had to pay the XXXX. It was only on 1 report for over 2 years. The way they abuse us is 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 2021-06-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
As a Veteran, I seek complete signed closing documentation from Guaranteed Rate Mortgage Company on a Veterans Administration Refinance that closed in XX/XX/XXXX to investigate irregularities in the processing of the mortgage that have appeared post-closing. The closing was a so-called COVID contact less closing in which documents were dropped by courier on my porch without customary ability to review final signed documents. It has been revealed that required basic closing records including signed versions were never provided to me by the title company Ravenswood Title XXXX XXXX IL on behalf of Guaranteed Rate Mortgage Company. I have called and emailed Ravenswood repeatedly for weeks with NO response. 


Guaranteed Rate ( Mr. XXXX XXXX Sales Rep/Broker NMLS ID : XXXX ) has promised since last XX/XX/XXXX to resolve the irregularities revealed. Since have not received any reply nor response from Mr XXXX or anyone at Guaranteed Rate, I have retained an attorney, Mr XXXX XXXX of the law firm of XXXX, XXXX XXXX  XXXX, to obtain information and documentation in order to pursue these irregularities. Unfortunately, all parties : Guaranteed Rate, Ravenswood and XXXX are now ignoring my Attorney. Need to get their attention to obtain the documents required to pursue resolution. 


First issue is irregularities in disbursements. Broker, Mr XXXX NMLS ID : XXXX, stated there would be an approximate $ 10K tax deposit rolled into the mortgage resulting in a cash out '' that never materialized. I never received an accounting from the Broker, Mr. XXXX. 


Second issue is Mr. XXXX disclosed and committed prior to my application that Rate.com does not sell its loans and my loan would not be sold or assigned. Several months after closing I received an email from another company XXXX XXXX or XXXX XXXX XXXX stating there was a new loan number and payments should be sent to their contact address. I never consented to nor saw the new loan documents creating the new loan number. 

Final issue I uncovered while doing taxes when I realized the payment processor ( XXXX XXXX XXXX XXXX  ) has been charging me Mortgage insurance on my federally guaranteed Veterans Administration ( VA ) loan. Mortgage insurance was never disclosed in the closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: PNC Bank N.A.
State: MO

Complaint narrative:
Hi, I recently took an Auto loan from a bank. 

For few months everything was fine and my credit score was excellent. 

This month it went down by 115 points, I spoke to credit company and they said my account is reported as credit not a loan. 

This increased my credit usage for no reason. 

Since its the bank problem I called their credit department to rectify their error but it was very unprofessional. They asked me to go through very lengthy process to fix their mistake now. 

My credit will show bad until I write them letter and they receive take action etc.. I needed to apply a mortgage soon. 

This very bad handling of customer image when bank is at mistake. Why should customer suffer for the bank error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
Received a loan from company in 2014 for about {$11000.00} on a used vehicle. Paid quite a few payments and the balance barely budge still at about a little over {$9000.00}. Company will not budge on fair resolution of the situation. This loan has been a nightmare and Im just may have to file for bankruptcy. Santander is a preditory lender who uses illegal practices and that my loan is now in litigation for the State of South Carolina this account should be permanently deleted from reporting as negativity. Please remove per. Attorney General XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: DISCOVER BANK
State: SC

Complaint narrative:
I was making monthly payments to Discover Student Loans of what I could afford based off of my income alone with other debt owed. My loan was charged off in XXXX despite making $ XXXX  month payments and I was notified in XXXX when I went to purchase a car. The pandemic hit and I was unable to make payments on a regular basis but still made attempts with lower amounts. Every time I called to make/arrange a settlement, the amount asked to pay monthly for 5 years was too high XXXX {$900.00} XXXX. I made a 1 % payment in XX/XX/XXXX to prevent my loan from going to collections, because thats what Discover told me I had to do, and was told to not call and make payments less than 1 % therefore after. I still called every month and payments were refused. When I called XX/XX/XXXX to schedule a payment, I was I informed that my loan was placed with collections and that I signed up for this because I was unable to make the {$1200.00} a month payment asked upon graduation in XXXX. When I asked when this would be reported to my credit bureau, I was informed that Discover last reported to the credit bureaus on my debt owed in XX/XX/XXXX. My credit shows no payments made on these loans since XXXX. Highly unprofessional and sets people up for failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: FC HoldCo LLC
State: GA

Complaint narrative:
On XX/XX/2021, I traded in my vehicle to XXXX XXXX XXXX XXXX my car payment from my previously lien holder ( Flagship Credit Acceptance ) was due on XX/XX/2021. After trading my vehicle I received several calls from Flagship and I stated that I no longer have possession of the vehicle, I signed documentation to trade my vehicle. Several times Flagship still contacted me about the payment of the vehicle, I had no idea that the vehicle was still not properly paid off. I tried to contact XXXX XXXX several times, I even went to the dealership was never able to get in contact with anyone in the financial dept. The only person to my assistance was my sales rep XXXX. He tried to figure of why the car still was not paid off, he was really good with communication. He stated the financial manager stated it will be taken care of. However, the bank delayed the funds to XXXX XXXX which caused a delay in the car being payed off. XXXX told me the manager XXXX would contact me because of how upset I was. I called XXXX to see the status of the car loan they told me it was paid off XX/XX/XXXX, or XX/XX/XXXX I believe. I was relieved until I seen my credit score dropped Tremendously, because of the 30 day past due on this account. It was not my fault, I no longer had possession of the vehicle. I really wish Flagship would consider removing the delinquency of the account. I was a good customer with good payment history, and I was unaware of the trading process due to this being my first trade in. I feel both companies are in the wrong and it is causing me to have an effect.

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