vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC
State: TX

Complaint narrative:
What Compliant? 
CoreLogic RunDate XX/XX/XXXX What type of Problem? 
XXXX XXXX Test Account XXXX, VA XXXX What Happened? 
Fraud Court Record Judgement on File* ( XXXX ) XXXX File Date is ( XXXX ) or more Years Old without Removal* XXXX What Company? 
CoreLogic_XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Who is Involved? 
CoreLogic XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Denotes Identity Theft in the Collecting and Selling of Information for the use in Credit Determination as well as ' Unfair or Deceptive Business Practices.

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 2018-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is reporting my current auto loan from XXXX as derogatory and included in my bankruptcy and it wasn't. As you can see on XXXX it is current and I owe {$6300.00} on rest of loan. 

See attached screenshot of my credit 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 explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Medical Credit Corporation, Inc.
State: CA

Complaint narrative:
Merchants & Medical Credit Corporation ( " Merchants '' ) is attempting to collect {$310.00} for an invalid medical debt. Merchants is the debt collector for XXXX XXXX XXXX XXXX XXXX ( "  XXXX XXXX '' ) who provided emergency ambulance services to me on XX/XX/XXXX. My health insurance reimbursed XXXX XXXX {$690.00} pursuant to my medical insurance policy and the insurance 's reimbursement process. I was never notified by XXXX XXXX or anyone else that further money was needed until a negative collection report was reported on my credit report by Merchants. 

On XX/XX/XXXX, I sent a letter to Merchants by certified mail ( acknowledged and signed for by a Merchants representative ). Merchants has not responded. In my letter ( see attached ), I made several points : 1 ) The {$310.00} was invalid because Merchants was engaging in balance billing, a practice prohibited by California law ( XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ; 2 ) Merchants likely violated my due process rights by violating the Fair Debt Collections Practices Act Section 809 ( a ) s requirements for written notices ; and 3 )  Merchants changed billing statements from the incorrect city ( XXXX XXXX ) to the correct city ( XXXX ), presumably to create the appearance that they had provided adequate notice. 

To date, Merchants has not responded to my letter. Merchants removed the collection account from my credit report but started reporting the collection account again on XX/XX/XXXX. I filed a dispute with XXXX on XX/XX/XXXX and did not receive a satisfactory dispute response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My wife and I had a debt from 2011 which we do not dispute. It didn't show up on our credit report when we were paying off all of our debt to improve our credit score. We submitted an offer on a new house and it was accepted. The title company states there is a debt owing to Bank of America, which we need to resolve in the closing of our new house. The title company sent a request for payoff, and was denied. They were instructed to send a fax in order to appeal the decision. So to be clear, we are trying to satisfy the debt and have been denied. We need to appeal their decision in order to move forward on our home loan. I personally called Bank of America in order to resolve the issue and was told it was being reviewed by legal and that " they do not have a phone number for me to contact them and ask why we can't pay the debt ''. This appears to be very dishonest and, quite frankly, shady business practice. If the home loan falls apart due to Bank of America not allowing us to pay our debt, I will be very upset. My opinion is that the debt has been discharged, and Bank of America legal team is trying to find a way to re-instate the loan. If they don't have a phone number for me to reach out to them, how am I supposed to figure out what is going on in the process? They just keep telling everyone, " It is being reviewed by our legal team ''. This is unacceptable behavior!

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 2018-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XXXX XX/XX/2017 I purchased {$700.00} worth of Bitcoin from Coinbase, over a couple days I canceled my account and requested a refund which I have not received as yet. After a couple days I called the Coinbase phone line It was answered and I was told that they needs to access my account to make put my money back so I opened my account but no money was deposited. That same day my account was hacked and {$1000.00} was taken from my account by Coinbase. I made an alarm and my {$1000.00} was refunded. I made some changes to my account after that so as to prevent anymore unauthorized transaction. The outstanding balance of {$570.00} was not refunded to me. As you will see from emails sent back and forth they are clearly trying to rip me off. Many phone calls and email later still no refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: EQUIFAX, INC.
State: CT

Complaint narrative:
My Student Loan is now current, however its still says delinquent and its affecting my credit score. My wife and I have been saving to buy our first home and my score is reflecting the delinquents. Please make it current so that I can move forward with providing a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I have an auto lease from Honda Financial. Honda Financial reports 2 late payments in my credit reports. I contacted Honda Financial on XX/XX/XXXX and provided my bank 's routing number and account number and requested from Honda Financial to have my account with them on auto pay ( I wanted every month my {$270.00} car payment to be electronically debited from my checking account, so I will never have any missed payments ). Honda Financial representative advised me over the phone that she will set up an AUTO PAY for me. So my first payment was automatically debited from my checking account by Honda Financial after 2 days on XX/XX/XXXX. On XX/XX/XXXX I am leaving the country for 3 months. I came back in to US on XX/XX/XXXX and checked my accounts to see if all the payments went through. I noticed that Honda Financial did not withdraw my 3 months payments. I immediately checked my credit reports and noticed that Honda Financial reported 3 late payments on my account for none payments. I contacted to Honda Financial immediately and I was advised they did not receive my payments. Now Honda Financial refuses to report to credit bureaus that the information they have reported is done by Honda Financial 's mistake. I was on AUTO PAY and Honda Financial did not debit my monthly payments as agreed on XX/XX/XXXX. 
Honda Financial 's mistake damages my true credit worthiness.

The late payments Honda Financial reported is done by it's mistake. 
Please Help to resolve this issue. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
I have tried several times to get accuracy of this account to show that it belong to me. The original creditor has failed to do so. With my right of Fair Credit Reporting Act, to my knowledge, You are required to notify me within five 5 days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. Between XX/XX/XXXX and XX/XX/XXXX this file was re-inserted on my report. This company is causing financial distress as it making it hard for me to obtain creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Today XX/XX/XXXX I had my credit ran at a local dealership and it still showed that I have a car loan on my credit from a car I no longer have.

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 2018-03-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Ditech Financial LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I submitted my application for a loan modification to Ditech. I was told that within 30 days I would receive a response from Ditech with a decision by mail. I waited and waited. I called Ditech each week and spoke frequently to XXXX XXXX in the loss mitigation department. He assured me that my file was complete and the underwriters were still reviewing my application. I had waited 102 days to receive an answer from Ditech on my loan modification application. I grew increasingly frustrated and my local bank recommended that I file a complaint against Ditech. It wasnt until I filed a complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX, that I heard from Ditech regarding my loan modification application decision. They sent me XXXX letters that were date marked on the letters XX/XX/XXXX but ironically not received by me via United States Postal Service until XX/XX/XXXX. In the letters ( both marked with the same date ) the first indicated that my file for loan modification was indeed complete and to expect a decision within 30 days. In the second letter, it indicated that I was not eligible for a loan modification. 

I strongly feel that my denial of a loan modification was the result of retaliation after I filed my complaint with the Consumer Financial Protection Bureau. Furthermore, my reason for requesting a loan modification was due to divorce between my husband and I. I have negotiated a settlement with him that will allow me to keep the home and resume making on-time mortgage payments in the previous amount owed each month. I am requesting that Ditech add the outstanding payments to the end of my loan or spread the amount overdue over the course of several months to allow me to become current again. Finally, the value of my home as established by Ditech ( AVM ) was found to be {$220000.00} when in fact, I have an appraisal for {$350000.00}. This creates nearly {$120000.00} in equity that can be used to help me re-establish my loan through Ditech rather than pursue foreclosure, short sale, or deed in lieu of foreclosure. 

It is my intention to keep my home and I am willing to do anything to make that happen. 

Respectfully submitted, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Last week I have called Bank of America advising them of activities emailed to me of my account. They reset the online ID and PW. On Monday, XX/XX/18 our pay was wired into our account around XXXX pm and around XXXX pm someone logged into my online account, created a safe pass with their number, created a transfer account, transferred {$800.00} from my saving into the checking and self wired same day {$1900.00}. The recipient address is in XXXX. I found this out when I logged into my account the method I always do, via my app using my TouchID fingerprint, and noticed the incident. I reset my ID, and PW again, called the bank at XXXX am on XX/XX/18 and closed my accounts With all the alerts I have set up for my account, I never was alerted or flagged that a safe pass was created, another computer accessed my account or never done a wire same day transaction. They not only breached my account but the bank security feature and they won't take responsibility. I have to wait 10 days for my funds to get back according to 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 monetary relief
Consumer complaint received 2018-03-14 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: Coastal Credit, LLC
State: OH

Complaint narrative:
I had a car loan with Costal Credit LLC, I was hit by a XXXX XXXX XX/XX/XXXX. XXXX XXXX paid my loan off to Costal Credit LLC and my Gap insurance paid the difference between the loan. I have been trying since XX/XX/XXXX to get Costal Credit LLC to update my account as paid and they have refused to. 

I paid off my balance with XXXX XXXX credit card in XX/XX/XXXX, for the remaining amount of XXXX XXXX The accounts total balance was XXXX XXXX PAID IN FULL. As of XX/XX/XXXX they have reported that my account is unpaid and in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALCHRO INC.
State: FL

Complaint narrative:
I am willing to pay the XXXX dollars to erase the account of my credit but they must send a letter where they say they are going to erase the account as soon as they receive the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: OH

Complaint narrative:
I have tried several times to get accuracy of this account to show that it belong to me. The original creditor has failed to do so. With my right of Fair Credit Reporting Act, to my knowledge, You are required to notify me within five 5 days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. Between XX/XX/XXXX and XX/XX/XXXX this file was re-inserted on my report. This company is causing financial distress as it making it hard for me to obtain creditworthiness.

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 2018-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I arrived in America from the XXXX last year. In the XXXX my credit score with Experian is XXXX. Nearly perfect. Financial institutions here in the USA are asking Experian for my credit status and are receiving a poor report from Experian who are clearly not using the data from the XXXX that they furnish to companies there. 
This is discriminatory, unfair and unreasonable. 
I have tried to contact Experian online but their site is not allowing me to upload documents. Their telephone help lines keep you on hold then redirect you to an answering service that asks you to enter identifying data then tells you you will be contacted the next day. 
No provision is made for online chat or email communication.

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 2018-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am trying to temporarily lift a freeze on my Equifax credit report that I placed as a result of the security breech that occurred at Equifax. Equifax has incorrect information that is making it impossible to establish my identity and access my account to lift the freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
This dept was previously disputed on CFPB website on XXXX18. The original debt collector was XXXX XXXX XXXX, the debt was then removed from my XXXX credit report however, it was recently added back on to my XXXX Credit Report again from a NEW debt collector " Sourcerm ''. 

Sourcerm NEVER made any attempts to contact me. I only found out about it when I logged onto my XXXX XXXX account a few days ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
For the past year, I have been applying for a military deferment due to my XXXX XXXX status. Navient has consistently said that I am not serving in a war, emergency or contingency operation and that how I serve does not quality. It particularly impacts XXXX who volunteer for XXXX XXXX. It seems arbitrary and a means to not give military deferments to those of us in uniform.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Nordstrom agreed to remove their account from my Credit Bureau reports. I discuss my account with Nordstrom several times in XX/XX/XXXX -XX/XX/XXXX because of major discrepancies with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Back in XX/XX/XXXX, I wanted to sell my home, so I started the short sale process with Bank of America. Bank of America was so difficulty asking over and over again for paperwork and the Short sale specialist XXXX XXXX from the Bank was very nasty. After months 9 months and 2 potential buyers walked away I wanted to keep my home so it wouldnt go into foreclosure. So in XX/XX/XXXX I recently applied for a loan modification, because BANK OF AMERICA recently did not agree on the price to sell my home to a particular buyer The bank wanted ore than the house was worth.. The home was apprasied at {$110000.00} by Bank of America. Then Bank of America wanted turn around and wanted {$140000.00}. I couldnt believe it. So to avoid my home going into foreclosure I started the Loan Modification process. About three week ago around XX/XX/XXXX I receive a letter from the Bank of America denying my loan for a modification because of my check stubs. So, my representative from Bank of America refer me to the Appeal process Department. I wanted to Appeal and give the Bank wanted they needed, they also denied me for an appeal!!. Something is not quite right about this situation. I am fighting to keep my home! Bank of America has been very difficult to work with. Bank of America is setting me up for failure. Bank of America wants me to lose my home. I need some help to keep my home. This has been a stressful situation. I am able to give the Bank what they need to keep my home. I am asking for loan modification so I can keep my home and have lower mortgage payments to survive. I really need a solution to this problem. I don't want to be out on the streets homeless.Please help me. Thank you XXXX XXXX XXXX number XXXX BAC NUMBER XXXX At the below attachment you will see the rejection letter from Bank of America. This was one of the main reasons I wanted to keep my home.

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 2018-03-14 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: LA

Complaint narrative:
Im writing this complaint out of complete frustration. I recently obtained a copy of my TransUnion credit report and I noticed some unauthorized hard inquiries on my report. I immediately reached out to TransUnion and told them that I had some inquires that werent me and I would like them removed due to fraudulent activity. TransUnion refused to help me remove them and told me there was nothing I could do. Im soo upset cause this is hurting my credit and someone unauthorized, used my info. The fraudulent inquiries are listed below : XXXX :XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX :XX/XX/XXXX XXXX XXXX : XX/XX/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 explanation