vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX PHH Mortgage Services XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX, 2018 Regarding : Loan Number XXXX Dear CFPB, The mortgage escrow statement is missing the subject property address. I believe mortgage servicing laws require all mortgage statements have the property address associated with the loan on the statement. 

I received a mortgage escrow statement accompanied by a large check. I called the mortgage company PHH to see if they missed one of my insurance renewal payments. Some of my properties have more than one insurance policy. After three ten minute holds a consumer service rep verified my information. She verified my full name, mailing address, loan number and social security number but then would not verify the property address associated with the loan number and mortgage escrow statement I had received and was calling about. I explained I have more than one loan with PHH and I did not know which property this statement was concerning. Without knowing what property we are talking about we could not have an intelligent conversation about any propertys insurance renewal payments. 

I asked to speak with a supervisor and was told no one was available. I was told a supervisor would call me back within 24 hours. No one has ever called me back. The statement shows last years insurance was {$1300.00} and this year they only expect to pay {$590.00}, you would think that would raise concern. 

So now I am in a position where I do not know if the insurance on one of my properties will be renewed. I will only be able to find out after the policy has lapsed and my insurance company sends me a notice of non-renewal for lack of payment. PHH will possibly leave me in a position of great loss if my property is uninsured. The idea they will not tell me which property they missed the insurance renewal payment on is nothing short of negligence. 

I look forward to your assistance with this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I submitted a mobile deposit of {$50.00} for a check into my checking account with Wells Fargo. Then on XX/XX/XXXX, I received an email notice from my bank that the check had been returned and they charged me a " return check fee '' of {$12.00}. Then on XX/XX/XXXX I took the check to the bank it was originated ( XXXX XXXX ) and they cashed the same exact check for {$50.00} ( plus a fee of {$2.00} since I was not a customer ). I attempted to reach out to Wells Fargo and they initially refunded {$9.00} of the fee they charged me and then after speaking with a supervisor they refunded the other {$3.00}. They Refused to reimburse me the {$2.00} fee that Regions charged me for cashing the check since it was a Third party fee. I have Three areas of complaint against Wells Fargo Bank. 1 ) They refused to cash a legitimate check from XXXX XXXX, 2 ) They charged me a fraudulent " return check fee '' when the check was valid ( since I was able to cash the same exact check at XXXX XXXX, and 3 ) The refused to reimburse me the {$2.00} fee that I had to pay to cash the check at XXXX XXXX since Wells Fargo denied the deposit.

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 2018-01-02 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: FL

Complaint narrative:
cant give me information ... chargered me XXXX, cant cxl subscription. my credit score dropped 65 points in one shot and no one can tell me why ... Its a joke

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: Ocwen Financial Corporation
State: GA

Complaint narrative:
My mortgage account is not reflecting correctly on my credit reports, XXXX is showing my account as closed after numerous disputes and documentation sent to prove account is open still no resolution account still showing as closed, contacted my mortgage company they stated that they are reporting the account correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ray Klein, Inc.
State: TX

Complaint narrative:
This old account is my ex husband 's account, not mine. AND it has been paid. The person who took the payment from him said they would remove from all reports. Neve happened. No matter, not my account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
Shellpoint Mortgage has not solved issues of unjustified billing of {$3100.00}, erroneously filing credit reports and turning over my title to a Utah attorney for foreclosure, when I was in good standing. I have been trying to solve these issues with Shellpoint since XXXX XXXX XXXX 2016. 

I am trying to close on a refi and their continued lack of effort, is holding up the process and correspondingly increasing my payment, with interest rates going up and having to pay for another appraisal because of their delaying the close. My Mortgage company will not close without these issues being resolved. 

Shellpoint has already admitted their error and corrected the credit bureaus now I just want my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: PA

Complaint narrative:
I need the assistance of the Consumer Financial Protection Bureau with the issue that I am facing. For the past couple of months, dozens of inquiries have been added to my credit report that I have NOT authorized. A scam company called " XXXX XXXX XXXX XXXX '' has been using my personal information and sending it out to several outside sources to pull my credit. I have not signed any documents or applications to cause more than 100 inquiries to be made on my Experian report. They initially sold me on the promise of helping me start a business but nothing ever became of that. I requested a Cease and Desist months ago and contacted them again this past XX/XX/XXXX but that has not stopped them from sending my information out and causing more unauthorized inquiries to be made on my credit. The person who was in charge of my account at XXXX XXXX XXXX was called XXXX XXXX. I am including a copy of the email I sent to his company requesting a Cease and Desist. I  have discovered that they are still causing more inquiries to be made with other companies I have not requested to work with. I am considering taking them to court and suing them but I also need Experian to delete ALL unauthorized inquiries. I also will need a fraud alert to be added to my credit as my information has been compromised by this scam company.

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 2018-01-02 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: SC

Complaint narrative:
Equifax has continued for the last 5 years at least to put an item on my credit report which do not include my birth date or social security number. I learned after thinking this item was removed from my account that it was placed on it again in XX/XX/XXXX. At which time I contacted XXXX XXXX XXXX XXXX and in a three way call with XXXX XXXX proved that the billing was not mine and my accounts with XXXX XXXX XXXX XXXX were paid in full and I did not use them on the date in question. Since this time XXXX XXXX has requested that this item be removed from my account but for some reason Equifax refuse to remove it and only states that the consumer disputes this account information which is what I did when it was first placed on my report. Equifax never responded to the dispute and after the seven year period when it was coming off it was placed on my report again without a birthdate or social security number to verify it is my account. This false information has cause great financial hardship, mental and emotional distress with the difficulty it cause in obtaining items on credit and the higher interest rate I am charged for this false information. 
Item to address recent collection account XXXX XXXX account number XXXX date filed XX/XX/XXXX last date reported XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
XX/XX/17 {$880.00} was put into collections without my notice. I was not aware of this.

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 2018-01-02 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: ID Analytics, Inc.
State: FL

Complaint narrative:
On or about XX/XX/XXXX I applied for a XXXX XXXX XXXX XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. On XX/XX/XXXX I received a denial letter from XXXX XXXX dated XX/XX/XXXX ( Being sent herewith ) which stated in relative part " ... Your credit card request was carefully considered, however, based on information in your credit report, we are unable to approve your application at this time for the following reasons : " inquiries did adversely affect the score Consumer associated with too many phone changes Not enough bankcard debt experience Not enough debt experience. '' The letter further stated that : " Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. '' The consumer agency listed was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Your credit score as of XX/XX/XXXX : XXXX The information reported to XXXX XXXX by XXXX XXXX XXXX is inaccurate. My credit profile with XXXX, XXXX, and XXXX  does not reflect " any '' of the information alleged by XXXX XXXX XXXX. In fact, I have an XXXX XXXX Platinum Card for the past 41 years and my Credit Score is well in the " Very Good '' range and my mix of credit cards and loans etc. are considered to be " Excellent '' by all three of the aforementioned Credit Bureaus.

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 2018-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
In XX/XX/XXXX I was placed in a loan modification program wit Mr. Cooper Mortgage because I had missed one payment. I had to make 3 payments in a row. That was XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I made XX/XX/XXXX and XX/XX/XXXX payments. When I attempted to make XX/XX/XXXX payment on the XX/XX/XXXX, I was not allowed to. When I called in at XXXX XXXX EST, I was told, via the automated phone service operator, the mortgage company was closed. I went on the website and sent an email stating that I was trying to make a payment and was not allowed to. I received a confirmation email stating that my email was received. I called back the next day and made the payment with a customer service representative. He stated that because I was in a modification program they route my phone calls to another department It was XX/XX/XXXX. I never received anything back from the company regarding my loan modification. It is now XX/XX/XXXX. I am attempting to make a payment and once again I m being  told they are closed. This time I emailed the CSR from prior and asked her to help me make my payments. She responded back that she would, but I never received any help. On the XX/XX/XXXX I get a letter stating I am 4 mortgage payments behind. I am only 1 payment behind, which I am attempting to pay now. I still can not get through on the phone. It still says they are closed and It is XXXX XXXX EST.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: CA

Complaint narrative:
I sent a wire transfer FROM Coinbase TO XXXX XXXX on XX/XX/XXXX, for {$14000.00} withdrawing money from Coinbase. 

Coinbase has sinced processed 2 wire transfers FROM XXXX, but has not processed my outgoing wire. The support team has not helped me on this issue depsite repeated attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I need the assistance of the Consumer Financial Protection Bureau with the issue that I am facing. For the past couple of months, dozens of inquiries have been added to my credit report that I have NOT authorized. A scam company called " XXXX XXXX XXXX XXXX '' has been using my personal information and sending it out to several outside sources to pull my credit. I have not signed any documents or applications to cause more than 100 inquiries to be made on my XXXX report. They initially sold me on the promise of helping me start a business but nothing ever became of that. I requested a Cease and Desist months ago and contacted them again this past XX/XX/XXXX but that has not stopped them from sending my information out and causing more unauthorized inquiries to be made on my credit. The person who was in charge of my account at XXXX XXXX XXXX was called XXXX XXXX. I am including a copy of the email I sent to his company requesting a Cease and Desist. I  have discovered that they are still causing more inquiries to be made with other companies I have not requested to work with. I am considering taking them to court and suing them but I also need XXXX to delete ALL unauthorized inquiries. I also will need a fraud alert to be added to my credit as my information has been compromised by this scam company.

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 2018-01-02 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: PA

Complaint narrative:
I need the assistance of the Consumer Financial Protection Bureau with the issue that I am facing. For the past couple of months, dozens of inquiries have been added to my credit report that I have NOT authorized. A scam company called " XXXX XXXX XXXX XXXX '' has been using my personal information and sending it out to several outside sources to pull my credit. I have not signed any documents or applications to cause more than 100 inquiries to be made on my XXXX report. They initially sold me on the promise of helping me start a business but nothing ever became of that. I requested a Cease and Desist months ago and contacted them again this past XX/XX/XXXX but that has not stopped them from sending my information out and causing more unauthorized inquiries to be made on my credit. The person who was in charge of my account at XXXX XXXX XXXX was called XXXX XXXX. I am including a copy of the email I sent to his company requesting a Cease and Desist. I  have discovered that they are still causing more inquiries to be made with other companies I have not requested to work with. I am considering taking them to court and suing them but I also need XXXX to delete ALL unauthorized inquiries. I also will need a fraud alert to be added to my credit as my information has been compromised by this scam company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: CA

Complaint narrative:
I took out 3 wire transfers to withdraw XXXX total ( XXXX each ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from Coinbase.com. Coinbase stated there could be a potential 2 to 3 day delay and was hoping to get the money sooner. 

It 's XX/XX/XXXX and my bank still has no records of ever receiving those funds. Coinbase should never have allowed wire transfers if their operations are so XXXX XXXX XXXX XXXX. 

To make matters worse Coinbase.com no longer offers any support related to wire transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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:
My mortgage account is not reflecting correctly on my credit reports, Equifax is showing my account as closed after numerous disputes and documentation sent to prove account is open still no resolution account still showing as closed, contacted my mortgage company they stated that they are reporting the account correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried to communicate through Attorneys to resolve the inaccurate information on my credit report with XXXX XXXX XXXX and XXXX XXXX. XXXX XXXX agreed to correct the inaccurate amounts owed and remove the negative reporting of Three ( 3 ) XXXX XXXX/ XXXX XXXX  Duplicate accounts from my credit report, once the accurate amount was paid. I agreed and paid the accurate amounts. XXXX XXXX/ XXXX XXXX reneged on our agreement and continued to allow the inaccurate Duplicate information to be reported by XXXX XXXX and XXXX XXXX companies, which consist of duplicate accounts with different account numbers. 1. ) XXXX XXXX XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account reference # ending XXXX. I paid {$260.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. ***Paid in Full Letters Provided*** 2. ) XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account # XXXX. I paid {$200.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. ***Paid in Full Letters Provided*** 3.XXXX is a agency assigned by XXXX XXXX  and XXXX XXXX to handle this account # XXXX. I paid {$130.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. ***Paid in Full Letters Provided*** XXXX XXXX and XXXX XXXX are duplicate accounts with different account numbers to deceitfully confuse the fact that these accounts are the same. ***

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 2018-01-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX we ( my husband and I ) took out a home equity loan in the amount of {$150000.00} we also agreed to a purchase a supplemental insurance that would cover our payments in the cases of XXXX, involuntary unemployment, leave of absence, and accidental XXXX. This was considered Chase 's platinum package. We paid an additional monthly fee for this protection. In XX/XX/XXXX, I lost my job after 22 years and we started to go thru our paperwork for the house. We found the paperwork we signed 10 years ago and discovered we would both be eligible for this protection we had paid for many years. ( My husband became XXXX XXXX back in XX/XX/XXXX after falling from a water tower at work. ) So I went to Chase to ask them to please assist after having made several lengthy phone calls to no avail. They then informed me that they had cancelled this program in XX/XX/XXXX, I asked them if we were notified and they said they had sent out a letter, I asked if we had acknowledged such a letter as we had never received a letter. They stated they did not know, so I asked for a copy of this letter that they had sent and they said they could not provide such a letter. Their only response is that I could fax a letter to their research department. This is a horrible way to treat a customer who has faithfully paid this agreement for 10 years!! I would like a resolve to this situation and feel we are due some response! Please help! We are struggling to pay our bills and thought we were insured for this type of situation.I can provide whatever proof you may need, Thank you!!

Company response to consumer: Closed with explanation