vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
-- SPS provides contradictory information to Borrower regarding status of forbearance during COVID-19 pandemic. 
On XX/XX/XXXX SPS stated, " You previously indicated that you have been impacted by the COVID-19 pandemic. The existing payment relief provided on your account is coming to and end. '' -- SPS actively disregards requests for forbearance extension as allowed under the CARES ACT.

Multiple requests for forbearance extension have been submitted ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), SPS has failed to respond or states that forbearance has ended while providing conflicting information stating that forbearance is " comding to and end '' without providing a specific date on when the forbearance is ending. 
-- SPS actively disregards completed applications for loss mitigation. 
Multiple loss mitigation applications have been submitted and SPS simply responds with vague statements that information is missing, fails to provide detail on what information is missing, or when details of missing informaton are provided, the information has already been submitted. SPS states that signatures are missing or parts of pages are missing when all pages submitted with application are legible and signed where necessary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX and XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
I have talked to a guy in XXXX who forced a payment plan for XX/XX/2021 after I told him I no longer work due to my husbands XXXX. XXXX insisted I had to or he was going file criminal charges but I could call closer to date for other arrangements. No signed documents or agreements were made by me. Cash store attempted several times after I was able to make a payment in XXXX to continuously debit my account and refuses to take my bank account information out of their system bc they said they have a right to do so. They continuously call and mail letters to myself and references harassing and threatening us with a lawsuit for criminal charges. They doubled the interest and price of loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I have always paid my account on time every month thru the portal and website that the company provided and receive notice when they receive the payment. One month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

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 2021-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: FL

Complaint narrative:
We applied for a mortgage refinance with Better.com They gave us a rate lock and charged us for a home appraisal. They sent us a loan estimate. Regularly, our loan estimate and closing cost went up. They said it was because they needed to add more funds to our escrow. We received an email that said we needed to explain why our current mortgage was in forebearance or default. We explained that it isn't and that we have never missed or been late on a payment. We asked where they were getting that information. They said it was on our credit report. We pulled our credit report. There was nothing of this nature on it. They said we needed to contact XXXX and have a 3 way phone call with our mortgage lender to explain that everything was good and up to date. We attempted two times. XXXX said that would return our call when they could reach our lender. This happened two times and we never heard from them.

The appraiser had also visited our home a couple of days after we made application for the refinance. Then, 2 days prior to the expiration of our rate lock, Better said they never received the appraisal and had results from XXXX, so we would have to extend our rate lock at no additional charge to us. The very next day our closing costs increased to over {$16000.00} almost {$8000.00} more than the day before. They said it was because our payoff was higher than expected. It was in fact less than they originally quoted. Rather, they tacked on origination fees and points even after they said we would not be charged any additional fees because it was their fault we were running behind. Our appraiser said they canceled him after he did the appraisal and that they dropped the ball. Better said he wouldn't return their calls. Again, false. I told them to cancel because this was unfair and we were facing false accusations that caused us to not be able to obtain our refinance. They said they would return our appraisal fee of {$550.00}, but they have not done that either. We are frustrated because this refinance would have saved us over {$70000.00} over the life of the loan. We would have gone with another company rather than have them collect our data, photos of our home and hit our credit with a hard pull. They made us turn in a great deal of personal information, knowing they were not doing what they were supposed to to make the loan work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
I spoke with Acima Credit that they are reporting to XXXX a closed account and I am stilling every bi-weekly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have wrote to The collection agencies XXXX and Equifax to remove this from my credit report and it has not been removed. This bankruptcy has been on my credit report since XX/XX/2012. This bankruptcy has reached a statute of limitations for Georgia which is seven years. I would like for it to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: R & B Corporation of Virginia
State: VA

Complaint narrative:
The original balance of the Collections account was {$65.00}, so on XXXX I called and spoke with and representative ( XXXX ) from there XXXX, VA Headquarters to dispute inaccurate information being reported on my credit report and she simply explained that they do not and never owed the debt that they reported on my credit report. I still have not received a response yet, I was hassled a little by phone calls so I settled the account on XX/XX/2020 but I also asked for verification ( the original application bearing my signature ) on all accounts, as they claimed I owed 2 other accounts for {$47.00} & {$98.00} that they have not reported to the bureau 's as of yet! I really feel as if I'm being taken advantage of, Section 611 ( a ), it is plainly stated that a failure to investigate this item within 30 days gives a reason to immediately remove this item from my credit report. There has been no follow up or contact in over 30 days, I demand this account be deleted promptly because it is not my debt and I do not validate this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BSI Financial Holdings, Inc.
State: MI

Complaint narrative:
BSI illegally took late fees from me during a bankruptcy. Since filing the complaint with CFPB last year in XXXX. They have reversed the credit that they initially gave based me on the results of complaint XX/XX/2020, where they agreed this was not suppose to happen. 

You will notice in the attached exhibit where they rescinded the payment without an explanation. 

This is just many of the illegal practices. If the consumer does not watch out for themselves with debt collectors like this company it will continue. 

Please help me with this if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: TX

Complaint narrative:
Disputed this information and it was never removed.

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 2021-03-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Disputed this information and it was never removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Disputed this information and it was never removed.

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 2021-03-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I contacted Wells Fargo in an attempt to close a credit card account opened for me unauthorizedly as part of the Wells Fargo account fraud scandal. I had previously paid off the card a day prior. 

Upon explaining that the account was opened for me in an unauthorized manner, the representative suddenly went off-script and indicated, instead of continuing the procedure to close the account, that their company lists unauthorized accounts ( read : accounts opened illegally in customers ' names by representatives of Wells Fargo ) separately in their internal systems from accounts opened directly by customers. This immediately struck me as indicative of a broader organizational effort to engage in, curate, or otherwise downplay fraud as part of the unauthorized accounts scheme. Before I could press further, I was transferred on to a second representative, who indicated she was part of a customer service department. 

This individual also refused to close the account, instead noting that she was unable to do so. Instead, she offered a " case number '' and indicated that I would receive further correspondence on the issue. 

A full, unabridged recording of the call with both representatives is available upon request. Additional identifying information or essential case details may be provided upon request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-04 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: Cascade Capital, LLC
State: UT

Complaint narrative:
I recently received a letter from Cascade Receivables Management that I had to pay on a debt. I never received any other letters from them with any notices about any debt and this violates my 30 day right to dispute. They are claiming that I owe money for XXXX XXXX XXXX XXXX and I have never heard of them before or been anywhere like that. This debt is not mine and they must stop and cease all collection activity. 
I am now asking for validation for this debt you say I owe. I am requesting proof that I am the party responsible for this debt and that there is some contractual obligation that is binding on me to pay this debt. This is not a request for verification or proof of my mailing address but a request for validation! I ask your offices provide me with evidence that I have any legal obligation to pay you. 
I will also inform you that if you offices have or continue to report invalidated information to any of the three major credit bureaus this action might constitute fraud under both federal and state laws. If any negative mark is found or continues to report on any of my credit reports by Cascade Receivables Management I will not hesitate in bringing legal action for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I have never been to such hospital and ask you cease all collection activity. This account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: DISCOVER BANK
State: IN

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided but one month i missed the date by 2 days becuase i never got the bill in the mail which usually served as a reminder for me but t wasn't even enough to be charged a fee but i noticed that i got a 30 day late put on my report. I tried to talk to the agent because initially they told me it wouldn't be reported late. I tried disputing it with the company because I had paid it only a few days late and i was told it wouldn't be a 30 day late but not had success so i thought i would ask you guys for some help hopefully and for them to give an explanation on why its reporting late when i was told it wouldn't be. I appreciate any assistance you can provide. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: GA

Complaint narrative:
I sent certified letters in to all 3 bureaus beginning on XX/XX/2021 requesting that they remove inaccurate information on my credit reports. My second letter is on the way as well and I have yet to hear anything back from them and it has been 37 days! This misleading and false reporting information is detrimental to my credit health and has caused me great stress which is not good for my well-being. I want these items removed from my credit reports immediately. The following accounts of my concern are 1. XXXX XXXX XXXX  XXXX ( late payments ) 2. US DEPT OF EDUCATION {$64000.00} ( student loan ) 3. XXXX ( inquiry ) 4. XXXX XXXX XXXX XXXX {$1200.00} ( charge off ) 5. XXXX XXXX {$1900.00} ( chargeoff ) 6. XXXX XXXX {$1000.00} and {$1000.00} ( collection ) 7. XXXX XXXX XXXX {$1900.00} ( collection ) 8. XXXX XXXX XXXX XXXX ( student loan ) 9. XXXX ( inquiry ) 10. XXXX ( inquiry ) 11. XXXX XXXX ( inquiry )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Premium Credit Bureau
State: FL

Complaint narrative:
XX/XX/XXXX HAS VIOLATED THE LAW ALONG WITH PREM CRED. I DID NOT GIVE WRITTEN CONSENT TO PREM CRED TO PULL MY CREDIT. XX/XX/XXXX IS IN VIOLATION FOR NOT MAKING SURE ALL INFORMATION ON MY REPORT IS 100XXXX ACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: IL

Complaint narrative:
I was informed that there was a collection item on my XXXX  Credit Bureau due to my bank reviewing my credit journey. I was never informed by Receivables Performance or XXXX of any collection in my name. Upon calling Receivables Performance on XX/XX/XXXX, I was informed past due amount of {$910.00} was in my name for charges occurred in XXXX, Kansas in XXXX, XXXX. I explained to representative I have never lived anywhere in Kansas and have never had any dealings with XXXX. I then filed dispute with XXXX  on XX/XX/XXXX however they replied on XX/XX/XXXX that Receivables Performance had " certified account was correct ''. I reopened another dispute explaining it could not be correct since I have never lived in Kansas or dealt with XXXX. That reopened dispute is still in process as of today XX/XX/XXXX. I also have filed a report with XXXX XXXX, IL Police Department asserting above. I will provide any/all information needed on Receivable Performance report # ; XXXX account # ; XXXX  report # or XXXX report # per your request.

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 2021-03-04 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: TX

Complaint narrative:
I opened an account with Coinbase and things seemed okay for almost a week. Then with no explanation, my account access was blocked, and I can not log in. 

I have sent 6 emails, asking for help, and I received one automated email saying they were looking at the cause of the problem. I sent a follow-up email asking for an update, and received a reply saying the case was closed. - However, my account is still locked. 

I opened another case via email, and received the same reply that the problem was going to be reviewed. I have sent 3 additional emails asking for an update, but now I get no reply 's at all. 

At first, I thought perhaps their system was having a problem, but with the lack of customer notification and contact, it is my sincere belief that they allow an account to be opened, and then they freeze the account after crypto positions are purchased, perhaps to ensure the positions can not be sold as the market drives their value lower. 

In one of my emails, I asked they either unfreeze my account, or sell the holdings and send me the proceeds. ( Again no response at all XXXX This company has no customer support by phone, except to report fraud on your account, which causes the account to be shut down. - No one will speak with me. 
At this point, I believe I have been scammed out of nearly {$600.00}. 

Any help you could provide would be most appreciated. I am not unreasonable - If someone from Coinbase could at least explain what the problem or issue is, maybe I would not be feeling like they are a scam company that needs to be investigated. 

My account has been un-accessible Since XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
We recently refinanced and our loan is with United Wholesale Mortgage. The first payment was due in XX/XX/2021. We paid the first payment on XXXX XXXX. They lost that payment. So when we paid the next month in XXXX ( for XXXX payment ) they applied that payment to XXXX. Same thing happened in XXXX for XXXX. We've been in contact with the company since XXXX. We've sent proof of payment twice - once from our bank. I took the afternoon off to call and get it resolved. I spoke to a few people, got transferred around, and ultimately got disconnected after 2 hours on the phone. They have been given all of the documentation proving we've paid the payments on time, but our account remains delinquent.

Company response to consumer: Closed with explanation