vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Pacific Union Financial, LLC
State: TX

Complaint narrative:
I have been trying to get a modification on my mortage since XX/XX/XXXX. I have been sending documents to Pacific Union Financial for months trying to save my home for foreclosure. Finally on XX/XX/XXXX I was told that my modification was denied on XX/XX/XXXX with the reason being that I do not live in the property. I have called as recently as in the last week when I spoke to XXXX XXXX, a manager at Pacific Union Financial. I am repeatedly told that I will not get a modification because I do not live in the property. I am in active military service and I have court orders from XX/XX/XXXX ( attached ) stating that I am to report to and be stationed in XXXX XXXX, Kansas. That is where I currently live. It is not only illegal but highly unethical to deny me for a home retention program because I have orders from the United States government to help protect the country and it's citizens in a location other than my own home. The way I see it, my property is still my home, and I am merely away for work, which also happens to be work that keeps this country free for all of it's citizens. Therefore I expect Pacific Union Financial and the FHA will fairly consider me for a loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 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: LA

Complaint narrative:
n XX/XX/XXXX, I scheduled the payoff amount on XXXX XXXX XXXX XXXX website. The amount cleared my bank account and the title was received by mail about 1 week later. At the end of XX/XX/XXXX, i received a letter stating the title was released in error and to return it to them. However, after calling them, I was informed there was a mistake on the balance owed to pay the loan in full. I disagree with this and didn't send it back. I have recevied multiple statements showing a balance of XXXX plus to pay the balance. HOwever, after demanding debt verification, I was informed they could only send a pay history. The balance on this shows XXXX. They are continuing to report late payments and now showing charged off/collection with a balance of XXXX on all major credit bureaus. I do not believe I owe anything to pay the loan in full and believe the is an error on XXXX XXXX XXXX XXXX side. HOwever, they will not research this. The new excuse is that a payment was returned. I do not show this on any bank statement. Ive asked for verification of the bank account the " returned payment ''. They state they can not access that information. This has decreased my credit score dramatically and I have attempted to correct this with XXXX XXXX, XXXX, Equifax, and XXXX on multiple occasions. Disputes with credit reporting agency are not correcting the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 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: GREAT LAKES
State: VA

Complaint narrative:
Account has been open since XX/XX/XXXX. I put the account in forbearance for 4 months in XX/XX/XXXX. Those 4 months show that I was late instead of in forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX I contacted XXXX @ the apartment complex I use to stay at names XXXX XXXX XXXX, she informed me that the complex name has changed I asked her about this alleged debt that is listed on my report and she stated that she has no idea that the files and 40 % of this business ( XXXX ) was purchased by a company called XXXX XXXX XXXX she then provided me with a new to XXXX which I spoke to a rep named XXXX. I asked XXXX about this alleged debt and wanting answers he proceed to say he has no idea about this debt and it was sold to a company called XXXX XXXX. I asked XXXX if my alleged debt was sold why am I being charged for something that was written off. He stated Im not sure you need to contact XXXX XXXX for answers ( I have recorded calls ). On XX/XX/XXXX I contacted XXXX XXXX and spoke with an rep named XXXX XXXX I asked him about my alleged debt and he couldnt provide me with any information concerning this debt the only thing he stated was documents are being mailed to you today. I also contact XXXX, XXXX and XXXX concerning this debt and I havent received a response!! This has been going on for 5 months are so.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 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: LA

Complaint narrative:
There are 3 medical collections being reported by XXXX XXXX XXXX in XXXX, LA. These are NOT my bills and I have asked for validation of debt. However, I've tried to dispute the accounts through all credit reporting agencies and they have not removed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I purchased an item on XXXX ( item # XXXX XXXX board for XXXX   XXXX laptop ) from ( XXXX seller XXXX ) on XX/XX/XXXX. It wasn't shipped until XX/XX/XXXX. The item arrived into my mailbox on XX/XX/XXXX. USPS tracking # XXXX. Due to a XXXX in the family I had to fly out of town and didn't get a physical posession of it upon my return on XX/XX/XXXX. on XX/XX/XXXX, 3 days before sellers 60 days warranty expires, XXXX board mysteriously dies. The computer is completely useless. I have tried contacting the seller, but all I got is the run around. I filed a dispute with paypal ( Claim - # XXXX ) An hour later it was closed with explanation. 
Status After careful consideration, we're unable to decide this claim in your favor at this time. 
The listing accurately described the item you received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 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: LA

Complaint narrative:
n XX/XX/XXXX, I scheduled the payoff amount on XXXX XXXX DeXXXX XXXX website. The amount cleared my bank account and the title was received by mail about 1 week later. At the end of XX/XX/XXXX, i received a letter stating the title was released in error and to return it to them. However, after calling them, I was informed there was a mistake on the balance owed to pay the loan in full. I disagree with this and didn't send it back. I have recevied multiple statements showing a balance of XXXX plus to pay the balance. HOwever, after demanding debt verification, I was informed they could only send a pay history. The balance on this shows XXXX. They are continuing to report late payments and now showing charged off/collection with a balance of XXXX on all major credit bureaus. I do not believe I owe anything to pay the loan in full and believe the is an error on XXXX XXXX XXXX XXXX side. HOwever, they will not research this. The new excuse is that a payment was returned. I do not show this on any bank statement. Ive asked for verification of the bank account the " returned payment ''. They state they can not access that information. This has decreased my credit score dramatically and I have attempted to correct this with XXXX XXXX, XXXX, XXXX, and Transunion on multiple occasions. Disputes with credit reporting agency are not correcting the 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 explanation
Consumer complaint received 2018-02-12 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: LA

Complaint narrative:
n XX/XX/XXXX, I scheduled the payoff amount on XXXX XXXX XXXX XXXX website. The amount cleared my bank account and the title was received by mail about 1 week later. At the end of XX/XX/XXXX, i received a letter stating the title was released in error and to return it to them. However, after calling them, I was informed there was a mistake on the balance owed to pay the loan in full. I disagree with this and didn't send it back. I have recevied multiple statements showing a balance of XXXX plus to pay the balance. HOwever, after demanding debt verification, I was informed they could only send a pay history. The balance on this shows XXXX. They are continuing to report late payments and now showing charged off/collection with a balance of XXXX on all major credit bureaus. I do not believe I owe anything to pay the loan in full and believe the is an error on XXXX XXXX XXXX XXXX side. HOwever, they will not research this. The new excuse is that a payment was returned. I do not show this on any bank statement. Ive asked for verification of the bank account the " returned payment ''. They state they can not access that information. This has decreased my credit  score dramatically and I have attempted to correct this with XXXX XXXX, Experian, XXXX, and XXXX on multiple occasions. Disputes with credit reporting agency are not correcting the 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 explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: UT

Complaint narrative:
XXXX / Coinbase missing {$25000.00} wire transfer my XXXX file # Case ID : XXXX Updated : XX/XX/XXXX XXXX PST Created : XX/XX/XXXX XXXX PST On XX/XX/XXXX I made a wire transfer from my Bank account to my XXXX / Coinbase account. My money arrived on the same day to XXXX bank and as of this day XX/XX/XXXX XXXX has not credited my account. 

I have called XXXX and coinbase several times and have several emails from the customer service department stating that the finance department will get to in at some time. 

I asked them how long this would take one week or 1 month and they would not give me an answer. 

XXXX clearly advertises same day wire transfer availability and at this point it has been 21 days that XXXX has had my money and will not credit my account. 

Please see my wire transfer XXXX file from my bank showing that XXXX received my money of XX/XX/XXXX and emails from XXXX acknowledging my complaint with no resolution from finance department. 

My XXXX case file # Case ID : XXXX Updated : XX/XX/XXXX XXXX PST Created : XX/XX/XXXX XXXX PST

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Account has been open since XX/XX/XXXX. I put the account in forbearance for 4 months in XX/XX/XXXX. Those 4 months show that I was late instead of in forbearance.

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 2018-02-12 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: Credit Plus Inc
State: PA

Complaint narrative:
Credit plus has pulled my credit score without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
XXXX XXXX is reporting under the business name of BMW Financial to all three credit bureaus. This is causing a lot of confusion. Additionally, XXXX/BMW is reporting inaccurate information to all three credit bureaus regarding my account. I disputed this information and the inaccurate information continues to be reported. This serious issue has now caused me to lose a job opportunity and a chance to submit an offer on a home that was accepting highest and best offers by XXXX on Sunday, XX/XX/XXXX. I have an attorney that is willing to take this case on a contingency basis and will sue for punitive damages on my behalf since I have documentation of the loss and the accurate information. Negative marks were placed on my account only after I called in XX/XX/XXXX and spoke with XXXX XXXX in Collections to voice my displeasure in that XXXX/BMW would not extend deferments on payments to me for a hardship that I endured after my position was eliminated and subsequent job loss. I sent a fax with a letter of explanation and documentation following my initial dispute. I sent the fax on XX/XX/XXXX to XXXX XXXX, Special Accounts Support Specialist. I received a voicemail from XXXX, Customer Support Specialist on XX/XX/XXXX confirming that my faxed complaint had been received by XXXX and that she would reach out to me with further questions if needed. One of the incorrect items is a 30-day late negative mark for XX/XX/XXXX when my payments were deferred only after I was impacted by a natural disaster. I am hereby requesting that ANY and ALL negative marks pertaining to my lease with XXXX XXXX/BMW Financial to my credit report be removed 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 2018-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There was fraudulent activity on my account and I spoke to BOA About the situation and the said that it was going to be investigated and that they were going to reviews cameras etc, I said okay.they called me days later telling me not to worry about it now time later I can't open a bank account no where because they reported to XXXX.total amount Bank of America reported was {$7800.00} witch was totally unfair that as a customer with Bank of America to do this to me is wrong.Also I wrote Bank of America letters asking them to take this off my record it's damaging my life as a father of XXXX boys that is a victim of identity theft.ive always paid what I owe and I want to continue services with Bank of America.

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 2018-02-12 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: LA

Complaint narrative:
There are 3 medical collections being reported by XXXX XXXX XXXX in XXXX, LA. These are NOT my bills and I have asked for validation of debt. However, I've tried to dispute the accounts through all credit reporting agencies and they have not removed them.

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 2018-02-12 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: LA

Complaint narrative:
There are 3 medical collections being reported by XXXX XXXX XXXX in XXXX, LA. These are NOT my bills and I have asked for validation of debt. However, I've tried to dispute the accounts through all credit reporting agencies and they have not removed them.

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 2018-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Our Mortgage loan was transferred or sold to Fifth Third Bank XX/XX/XXXX. We have letters from both banks stating that nothing would change except were to make payment. On XX/XX/XXXX we received a request from Fifth Third Bank for proof of flood insurance. We had never been required to have such insurance and we told at our closing on XX/XX/XXXX that we were not in a flood zone. I went in person to a Fifth Third bank with this information.The bank continued to demand we had to have flood insurance. They actually purchased forced flood insurance for us. All the time I kept calling and talking with multiple bank employees. Our realtor also contacted the bank about this matter via E-mail but got no response. I finally reached a bank supervisor who took my information and worked on it for about1 month. We proceeded to purchase our own flood insurance because we could get it cheaper and after faxing, calling, E-mailing and finally sending a registered letter. I received a letter from Fifth Third bank on XX/XX/XXXX stating we no longer needed flood insurance. I am currently in negotiations with the secretary of Fifth Third Bank. I have had months of Frustration They have cost us extra money by raising our house payment by over 100 dollars and charging us for insurance we did not need. I am concerned that this bank doesn, t know what they are doing. If we had not the funds for these demands I don, t know what would have happened! This is our home and If this could happen to us it could happen to anyone!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
This Diversified consultants is calling nonstop harassing me 3-4 times a day- I have clearly stated to them I am searching for solutions for a bankruptcy and to please stop calling and after that it has gone crazy nonstop calling at home number cell number at all times of the day. I am going crazy I am stressed and can not sleep at night I am sick over this. 
This is not normal collection practices

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I pulled my report to dispute and I came across this address. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX Address IdentiIfication Number : XXXX I have no idea how this address surfaced, and I've never been to this city before.

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 2018-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
I have been trying to get a loan modification with AmeriHome Mortgage since the beginning of XX/XX/XXXX. I sent in my workout package on 1-2. I have made contact with them every week since then. 
On XX/XX/XXXX I was told that the Uniform Borrower 's Assistance form I sent needed to be the 5 page version, with signatures on different pages. This made no sense to me on several accounts. For one, my wife and I are married and file taxes together and our lives are joined in every way including financially. Why I would be asked to sign on a separate page is beyond me. Even stranger was the fact that I could not even find a UBAF with separate pages for signatures which was even more strange. I sent a 5-page UBAF with both our signatures in the full expectation that my file would move forward. I was again asked to send in a 5-page UBAF with separate signatures and I called back again on XX/XX/XXXX to tell them that I am not sending any more UBAFs because they can't seem to explain what UBAF I am even supposed to send in that would be acceptable let alone this nonsense with the signatures. On XX/XX/XXXX, I called in asked asked them to send me whatever UBAF they would accept. They send me the one attached named " FRAUD. '' The reason for this descriptive name is that the application has different dates along the bottom. Some say XX/XX/XXXX while others say XX/XX/XXXX. While it does have separate pages for the borrower and co-borrower, I can not in good conscience sign this form. The documents are clearly fraudulent and have been tampered with compared to the authentic application from the FHA website. I will not allow AmeriHome to coerce me into committing fraud, nor sign the fraudulent papers they have sent me. And if this the standard application they send to all of their clients, I am deeply concerned not only on this atrocity committed to me, but to all of AmeriHome 's clientele. What's worse is how they have spent a month now continuously rejecting an authentic FHA UBAF from XX/XX/XXXX ( also attached ). AmeriHome mortgage is refusing to accept genuine FHA paperwork for inane reasons while trying to coerce me and who knows how many other homeowners into signing their fraudulent alternatives and they should go out of business.

Company response to consumer: Closed with explanation