vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
Several of my credit cards have been comprised and charged without my consent. from a game called slots of XXXX free slots through goggle play under a email address XXXXXXXXXXXX XXXX This is an email that I rarely use but for some reason my credit card information have been save under goggle play without my knowledge. Although I have changed my password on numerous occasion. I still get security alerts abut someone accessing my account XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. on XXXX/XXXX/XXXX I received notification by goggle that someone has my password. Yet goggle have not taken any security measure to avoid someone charging my account. 
XXXX XXXX XXXX XXXX ending in XXXX XXXX {$2.00} XXXX/XXXX/XXXX {$53.00}. Transaction of {$7.00}, {$7.00}, XXXX {$7.00}, {$0.00}, {$0.00}, {$19.00} XXXX {$61.00} {$29.00}, XXXX, XXXX XXXX/XXXX/XXXX {$29.00} XXXX/XXXX/XXXX {$19.00} XXXX/XXXX/XXXX {$270.00} XXXX, XXXX XXXX/XXXX/XXXX {$8.00} {$7.00}, XXXX, XXXX/XXXX/XXXX $ XXXX {$60.00} {$29.00}, {$29.00}, {$0.00} XXXX/XXXX/XXXX {$29.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$69.00} transaction {$7.00}, {$7.00}, {$29.00}, {$7.00}, {$7.00}, {$7.00}. 
XXXX/XXXX/XXXX {$360.00} Transaction {$2.00}, {$19.00}, XXXX/XXXX/XXXX {$41.00} XXXX/XXXX/XXXX {$72.00} XXXX XXXX Ending XXXX {$500.00}

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 2017-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Working with servicer, XXXX, to modify XXXX XXXX XXXX XXXX loan. Their reinstatement notice states that payments were not received between XXXX XXXX and XXXX XXXX, which is erroneously reflected in the modification principle balance of {$140000.00}. However, USPS records show that all payments were received and signed for and bank records reveal that four of the six payments received were deposited by Nationstar. Nationstar failed to credit the payments received below as of the date of receipt : Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o Per bank records, Nationstar deposited payment of {$1200.00} in XXXX XXXX account on XXXX/XXXX/XXXX. 

Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o USPS Certified Mail confirms payment was received by XXXX XXXX on XXXX XXXX, XXXX. Payment has neither been deposited nor returned. 

Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o USPS Certified Mail confirms payment was received on XXXX XXXX, XXXX. Payment has neither been deposited nor returned. 

Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o Per bank records, Nationstar deposited payment of {$1200.00} in XXXX XXXX account on XXXX XXXX, XXXX. This was a Temporary Payment Program ( TPP ) payment as outlined in Nationstars TPP offer dated  XXXX/XXXX/XXXX. 

Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o Per bank records, Nationstar deposited payment of {$1000.00} in XXXX XXXX account on XXXX XXXX, XXXX. This was a TPP payment as outlined in Nationstars TPP offer dated XXXX/XXXX/XXXX. 

Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o Per bank records, Nationstar deposited payment of {$1000.00} in XXXX XXXX account on XXXX XXXX, XXXX. This was a TPP payment as outlined in Nationstars TPP offer dated XXXX/XXXX/XXXX As of date of reinstatement letter, another payment of {$1200.00} was remitted on XXXX XXXX, XXXX. 


Of the 7 payments submitted over the past 7 months, all 7 have been received and 4 have been deposited and it is anticipated that the XXXX payment will be also deposited. Accordingly, the principle balance should reflect aforementioned payments before continuing with executing modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery is a XXXX company! They have had two accounts on my report, one was removed and another will be and now they are digging up another supposed account that they havent contacted me about in forever. Again not an account I owe ... these people are trying REALLY hard to get money out of me! Crooked crooked and even more crooked!!!!! Funny enough I see one of the accounts was deleted and yet in their last response they still have THREE accounts listed!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently closed my XXXX XXXX XXXX account, after which XXXX XXXX XXXX requested a credit report without my authorization ( for reasons unknown to me ).

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 2017-11-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
central financial control/syndicated office systems is appearing on my credit report wrongfully duplicated under two different account numbers.acct no XXXX and acct no XXXX are medical collection accts.Additionally, I had government insurance at the time of service.Thirdly, at the time of service, I was in police custody forced to take a blood alcohol test.These collection accounts are wrongfully appearing on my experian and equifax credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 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: TENET HEALTHCARE CORPORATION
State: SC

Complaint narrative:
I 've spoken with Central Financial Control on several different occasions in regards to the inaccurate item being reported towards my credit. They are causing great stress and an emotional strain on me financially and physically. Not only is this information inaccurate, but it 's in violation of HIPAA. I 've reached out to the original creditor to see why they forwarded this item over to collections when my insurance paid on my behalf, they had no answer. I 've spoken with several reps from CFC ( Central Financial Control ) and to no avail they were no help and very rude. I am giving this company 30-days to remove this inaccurate item and update all three credit bureaus, if not I will be forced to proceed with legal action against this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XXXX XXXX, 2012, Ally Financial mailed a letter correcting its credit reporting errors and contacted all three major credit bureaus as well. However, five years later, Ally has again reported the inaccurate and previously corrected information to all three credit bureaus. This time, Ally wrongfully caused me to be denied a 0 % auto loan from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc.
State: CA

Complaint narrative:
FCI lender services is accessing my loan with continued illegal attorney fees and breaking California collections practices and foreclosure laws. I have attempted to resolved this matter when {$600.00} worth of illegal attorney fees were accessed on my mortgage and I was told it was because I was 60 days late. This was proven to be untrue and the fees had to be removed, only after I threaten legal action. But recently the lender has placed {$1500.00} in attorney fees and placed my loan in pre-foreclosure on XXXX XXXX, XXXX, I was only due for the month of XXXX 's payment. I received the attorney letter dated XX/XX/XXXX from XXXX, XXXX XXXX XXXX, my loan was due for XX/XX/XXXX payment, this lender hired this attorney to produce a letter for my loan which was not even 30 days late at this time. On my previous complaint case # XXXX, the representative for the lender ( XXXX XXXX XXXX, XXXX stated fees should not be access unless the loan is 60 days late and the investor was advised of the inadvertent error and the XXXX fees were removed, but they have chosen to continue doing it and have now accessed {$1500.00}. FCI lender services is still practicing in a unlawful manner for this private lender.

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 2017-11-10 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: TX

Complaint narrative:
Equifax refuses to remove addresses that are n't mine. Remove accounts that are n't mine. Continue to add accounts to my report that are n't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
Today we learned that Goldman Sachs, investor of our mortgage turned down our mortgage modification appeal. It was actually news to us as we were never informed that Goldman Sachs was investor of our loan despite 2 requests. 

We know that the whole modification process was botched with repeated documents missing and the threat to foreclosure on us. In addition the Home Owner 's bills of right was n't follow as the appeal was botched too. We also know that the documents we sent for the appeal were n't used at all. 

1- Please provide the data used by Goldman Sachs for the decision. 
2- Please send us the list of documents you received from us for the appeal. 

Absence of these, We 'll get a lawyer to freeze the foreclosure in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I applied for a Loan with Wells Fargo and was issued a Rejection Letter on the grounds the Load Department ( underwriter ) had no copy of my Credit Report and yet another Letter, printed a day before the Rejection Letter, clearly indicated a Credit Report was pulled the day prior, which Credit Report obviously was not matched up with the Loan Department. My credit is " excellent '' per the Three Bureau Reporting agencies provided by XXXX ( no collection, high score, no late payments, no judgement, exc, all directed to a good solid Credit History as far back as the records record ). 
A request for reconsideration on these grounds was issued to the Branch, but as to date, no answer. I am XXXX XXXX XXXX next 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 2017-11-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
11 years ago I used to have a property in New york, the crisis started, I divorced and included an FHA mortgage with XXXX in XXXX XXXX # XXXX for years they offered to refinance and keep the home, my ex wife never won't.. 3 months ago suddenly a debt collector call SHELLPOINT report a mortgage in credit report, for  {$560000.00}, originated in XXXX paying XXXX and late more than 120 days for XXXX consecutive years, mi XXXX score was XXXX before they include this lies, I never apply for mortgages after my bankruptcy. Now mi score XXXX, all my creditors start increasing and closing accounts, I called them and ask to send my bankruptcy papers, I send it in XXXX, but they 're arruining my financial life, reporting late payments. I am loan officer and can I can loose my license. I called again and they still are investigating, I dispute with the credit bureau, no answer yet, and my credit keep going down, please help me. I never request and signed nothing. nothing. all that information is NOT TRUTH.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 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: CT

Complaint narrative:
I was using this application that you can buy/sell XXXX on called coinbase. For some reason I coinbase closed my account on XXXX/XXXX/XXXX, I was doing nothing wrong and coinbase can confirm that by viewing my account. I contact them that same day by phone but the rep was not able to help me at all. So I sent an email to support instead, I received the generic we will get back to you email and I have waited 5 days without a response on this. No one is able to explain why my account was closed in the first place, as well as me not being able to log into my account to get the few dollars I still have in my account with coinbase. I emailed them every day this week in hopes that someone can help me but I still have no response. 

My case number is # XXXX and # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 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: NC

Complaint narrative:
Fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX  Have police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
A company named Monterrey Finance calls and leaves recorded messages saying " this is an attempt to collect a debt if you are not the person we are calling then do not listen to this message. '' Then the recording starts over and adds " call us back today '' I have answered the phone and the recorded message continues. 
I have answered the phone and pressed the # 1 to find out what it is about and the recording continues. They call every day but I have been erasing the messages after my attempts to contact them have n't worked. 
I have erased the days other then the two stated since I did n't plan on filing a complaint until today. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
I contacted convergent outsourcing by mail to verify and validate a debt. I received a response the beginning month of XXXX with just a bill copy. The amount of XXXX This no real proof that a bill is mine simply because my name is on a bill. I want real proof that this debt is mine such as a signature, e signature, copy of my identification proving this debt is mine. If this can not be provided i would like this debt to be removed from each credit bureau it is reporting to and not to be added back with another collection agency. This debt that is reporting on my credit report is severely damaging my credit worthiness. I demand proof in writing by mail that this debt is mine or remove it! And once it has been removed immediately notify me by writing in mail.

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 2017-11-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
I received a letter of denial after applying for an XXXX XXXX XXXX account through XXXX XXXX Bank, whom I already have 2 other cards with. The letter indicates their decision is based on information from a company called SAGESTREAM , LLC and this company indicates my credit score is  XXXX ( on a scale of XXXX?! ). I monitor my credit score closely and there is a big discrepancy with the information this supposed " credit bureau '' is reporting to creditors, compared to the credit score i maintain with the 3 major credit bureaus. I am concerned that this company, XXXX, is fraudulent and/or the letter of denial in whole is a scam to obtain my personal information. Additionally, I work in the finance industry, in collections, and in the 5 years I 've been employed by a credit reporting agency, I have never heard of this supposed credit bureau, SAGESTREAM.

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 2017-11-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
On made a payment on XXXX/XXXX/XXXX at XXXX p.m. My credit card company would not let me post my payment for XXXX/XXXX/XXXX, therefore I had to select the date XXXX/XXXX/XXXX. XXXX/XXXX/XXXX was grayed out on the calendar. 

I sent the credit card company an e-mail stating that I think that it is unfair that I go to make a payment at XXXX p.m. at night and I am not allowed to make the payment for today. I had to make the payment for tomorrow 's date, therefore I will incur a late fee. My due date is XXXX/XXXX/XXXX, which is the date that I attempted t make a payment for. 

I paid the card off with that payment by the way. 

I advised my credit card company that if a fee is assessed because I was not allowed to make a payment on the date that the payment was due, I would cancel my card. 

Since the fee was not assessed, I did not request to cancel my card. 

Then on XXXX/XXXX/XXXX, I received an e-mail stating that my account had been cancelled per my request. 

I never requested for this account to be cancelled. I advised them that if they charge me an unfair fee I would cancel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Today I received an updated credit score on XXXX XXXX. It shows my XXXX went down by 55 points. I have been disputing an account on my XXXX credit report for months now. I have called XXXX ( waited over 1/2 hour ) on the phone because I kept getting transferred. I have explained to XXXX that this account " XXXX XXXX XXXX XXXX '' does not belong reporting on my credit report. I even sent XXXX a copy of my XXXX credit report showing that this account has been deleted and removed off my report after there investigation. I was told they are seperate companies. I do understand they are seperate company 's however the same response should have been received for my dispute. First they were reporting that this account was included in my bankruptcy. Thank you to cfpb for helping me resolve that issue as I NEVER FILED FOR BANKRUPTCY. Now XXXX XXXX XXXX XXXX is reporting this as delinquent plus each month reporting as a late payment plus charged off to a bad debt. This information is completely wrong and it should not be reporting on my credit report. I do not know where to turn to from here my only other option is to hire and attorney for false information reporting that should be removed off my report. I have sent in and uploaded proof that XXXX XXXX XXXX XXXX does not appear on my XXXX credit report and they did a thourough investigation. XXXX and experian should have received the same response.

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 2017-11-10 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: NC

Complaint narrative:
Fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX Have police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The Bank opened a Walmart credit card and issued credit without any financial background check. This reckless credit issuance has resulted in my having to lock my credit and basically have no credit for the next sixty day. 
The bank should not issue immediate credit but only mail the credit card after contacting the correct person and them mail the card. 
I received the credit card by mail with a balance that was already fully used. only {$18.00} left. 
XXXX XXXX XXXX, Florida Fraudulent Card Issue in XXXX 2017.

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