vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-25 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: Social Finance, Inc.
State: IL

Complaint narrative:
SOFI LENDING CORP. and XXXX have been and are reporting inaccurate information on my credit report. SOFI LENDING CORP. and XXXX have been and are reporting hard inquiry without verifiable proof of my consents. SOFI LENDING CORP. and XXXX have been and are reporting the hard inquiry as inaccurate information without verifiable proof. As a result, there is no permissible purpose of putting the hard inquiry on my credit report. I sent certified mails to both XXXX and SOFI LENDING CORP. asking about the permissible purpose of the hard inquiry and verifiable proof of the inaccurate information. I waited more than 30 days to have the verifiable proof from XXXX and SOFI LENDING CORP. of their inaccurate information and I didnt receive it from all of them. Since neither XXXX nor SOFI LENDING CORP. have verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiry should be deleted immediately. Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Third certified mail tracking number sent to XX/XX/XXXX on XXXX/XXXX/XXXX : XXXX. Certified mail tracking number sent to SOFI LENDING CORP. on XXXX/XXXX/XXXX : XXXX. The following hard inquiry which should be deleted immediately is : Creditor Name : SOFI LENDING CORP Date : XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
This is to inform you that inXX/XX/XXXXXXXX Ocwen loan servicing illegally foreclosed my property. On XX/XX/XXXX I received an illegal annual Escrow Account Disclosure Statement and a voice recorded created by Ocwen loan Servicing stated that in XX/XX/XXXX I made a payment in the amount of {$5.00}, XXXX also on XX/XX/XXXX my property was transferred to their Real Estate owned ( REO ) because due the lender placed Hazard insurance and taxes, also in XX/XX/XXXX I received an Delinquency notice from Ocwen stated that Im 1912 days delinquent on my mortgage loan. My account first became delinquent on XX/XX/XXXX. Please be advised that I never make any payments to Ocwen loan servicing until XX/XX/XXXX regarding the approval pending loan modification. This is totally fraud because I paid XXXX and XXXX XXXX XXXXXXXX on XX/XX/XXXX until XX/XX/XXXX I made two payments to XXXX XXXX XXXX claimed that I missed XX/XX/XXXX payment. I also paid my home insurance since XXXX until XX/XX/XXXX and taxes since XXXX to XX/XX/XXXXexcept in XX/XX/XXXXOcwen paid my property tax, because Ocwen went ahead paid early thats why. Ocwen s use of inaccurate and incomplete information to collect mortgage, tax, and insurance payments, loss mitigation issues to proceed with foreclosures including balloon payments. Exactly what Ocwen done to me after I paid an attorney {$11.00}, XXXX because they promise to work with me then I dropped the law suit against Ocwen. Because Ocwen admitted that Ocwen incorrectly foreclosed my property onXX/XX/XXXX they sincerely apologize for any inconvenience this may have caused. Further, please note that they are in process rescinding the sale on the property. Instead I received a loan modification mortgage in the amount of {$220.00} plus a balloon payment in the amount of {$150.00}. XXXX Ocwen does not respect the Law, Owens continue lying and serve investors loan to harm home owners

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Money Management International, Inc.
State: VA

Complaint narrative:
I successfully submitted a complaint to cfpb on  XXXX   XXXX ,  2017 . The cfpb portal created gravely misleading reference number 2017- XXXX  by program error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 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: FL

Complaint narrative:
EQUIFAX CREDIT FILE : XXXX XXXX, XXXX Confirmation # XXXX contacted equifax regarding incorrect reporting of XXXX XXXX incorrectly reporting Acct # XXXX. Account was discharged in Bankruptcy XXXX XXXX. However the account keeps returning on my Credit file. After 3 attempts to correct the error you are my last hope. The last response from my dispute is as follows : We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 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: U.S. BANCORP
State: WI

Complaint narrative:
Dear Elan Financial, I just discovered even after disputing with the credit bureaus, there is still an account from your company being reported improperly. I am not sure of the origin of the account. This is why I would like validation of the debt to verify their accuracy. I need to examine the billing statements that show how the balances accumulated and the original signed contracts or applications giving the original creditor permission to bill me. I have been the victim of identity theft in the past.. At this point I am not alleging it is a fraudulent account, however ; it is a possibility. I need to look through these documents to determine if the account or charges to the account were the result of unauthorized use.

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 2017-06-25 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank USA, N.A., cancelled my debit card that was not expiring until 2020. I had to make two phone calls and speak to several people for too long of a time period to not get any answers as to why my card was cancelled without my knowledge. <P/>When I went to my local Chase Bank ; the woman at the desk, apparently illegally requested another card on my behalf with out my knowledge which I was denied for ; I discovered in a letter by mail. <P/>When I called the company regarding my account, I was transferred to another country phone line whom told me that my U.S. public records are public to them as well. I was not assisted and transferred to a supervisor whom confirmed they were not in the United States. I did not authorize Reference number : XXXX I closed my account and withdrew my funds immediately. My public records should not be public, to just anyone, let alone outside of the United States of America. As well as, financial representatives should not be allowed to cancel debit cards that are not expired or closed, and should not be allowed to request new credit without my authorization and speaking with authorities confirming my so-called request. Also, I do not appreciate dealing with foreign workers, when the United States has so many unemployed people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX CREDIT FILE : XXXX XXXX, XXXX Confirmation # XXXX contacted XXXX regarding incorrect reporting of XXXX XXXX incorrectly reporting Acct # XXXX. Account was discharged in Bankruptcy XXXX XXXX. However the account keeps returning on my Credit file. After 3 attempts to correct the error you are my last hope. The last response from my dispute is as follows : We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX Phone : ( 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
Consumer complaint received 2017-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
Coinbase Inc.    XXXX  Every time the  XXXX  market price dips the Coinbase systems shuts down buying and selling of the currency. It makes it impossible for investors remain in control of their investment and ties our hands. It happens EVERY TIME the price changes and is not available for HOURS. Investors are at the mercy of the market and can only watch the price spike or plummet and have no control of our investment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: CA

Complaint narrative:
I received a notice from Penn Credit Corporation stating that, " The City of XXXX has retained Penn Credit to collect outstanding delinquent parking citations. Previous notices from the City have gone unpaid and remain delinquent. <P/>... <P/>ID NUMBER : XXXX CITATION # : XXXX '' I have no outstanding parking violations. I have received no previous notices. There is no license plate or vin # on the collections notice. Their website is difficult to navigate, & do not have time to wait on hold to speak to someone regarding their mistake. <P/>I am continually getting notices like this that are typically a matter of incorrect data entry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC.
State: WI

Complaint narrative:
Dear Sterling Incorporated, I just discovered that even after disputing with the credit bureaus, there is still an account from your company being reported improperly. I am not sure of the origin of the account. This is why I would like validation of the debt to verify its accuracy. I need to examine the billing statements that show how the balances accumulated and the original signed contracts or applications giving the original creditor permission to bill me. I have been the victim of identity theft in the past.. At this point I am not alleging it is a fraudulent account, however ; it is a possibility. I need to look through these documents to determine if the account or charges to the account were the result of unauthorized use.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In  XX/XX/XXXX  I filed a complaint with  XXXX  and I did n't receive a response back until back until  XX/XX/XXXX . This date is way passed the 30 days time frame allowed. i am requesting these following items be removed from my report 1. ACCOUNT NAME :   XXXX   XXXX   ACC BAL : {$2500.00} This account is duplicate with multiple listing as open error please delete inaccurate.
2. ACCOUT NAME :   XXXX   XXXX   XXXX   XXXX   ACC BAL : {$100000.00} charged off listed 3. ACCOUNT NAME :   XXXX   XXXX   ACC. BAL {$1700.00} 4. ACCOUNT NAME :   XXXX   XXXX   XXXX   ACC BAL : {$73.00} I 5. ACCOUNT NAME   XXXX   XXXX   XXXX   ACC {$0.00} NUM :  XXXX  6.ACCOUNT NAME   XXXX   XXXX   ACC BAL : {$2500.00}

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 2017-06-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX, cancelled my debit card that was not expiring until 2020. I had to make two phone calls and speak to several people for too long of a time period to not get any answers as to why my card was cancelled without my knowledge. <P/>When I went to my local XXXX XXXX ; the woman at the desk, apparently illegally requested another card on my behalf with out my knowledge which I was denied for ; I discovered in a letter by mail. <P/>When I called the company regarding my account, I was transferred to another country phone line whom told me that my U.S. public records are public to them as well. I was not assisted and transferred to a supervisor whom confirmed they were not in the United States. I did not authorize Reference number : XXXX I closed my account and withdrew my funds immediately. My public records should not be public, to just anyone, let alone outside of the United States of America. As well as, financial representatives should not be allowed to cancel debit cards that are not expired or closed, and should not be allowed to request new credit without my authorization and speaking with authorities confirming my so-called request. Also, I do not appreciate dealing with foreign workers, when the United States has so many unemployed people.

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 2017-06-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Identity theft occurred because of my job through a breach of security with the Federal Government. Received a letter from OMB XXXX XXXXXXXX stating my ID along with other information had been compromised. Someone has been testing trying to get credit or some other use of my ID. I have tried to contact both the creditors & the credit Bureaus without any result. it has affected my credit score greatly. I have on several occasions sent letters to no avail to fix this problem. The bureaus refuse to help & say that has been verified. I would like to know how? Equifax, XXXX, XXXX will do nothing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: WI

Complaint narrative:
Dear National Credit Adjusters, I just discovered that even after disputing with the credit bureaus, there is still an account from your company being reported improperly. I am not sure of the origin of the account. This is why I would like validation of the debt to verify their accuracy. I need to examine the billing statements that show how the balances accumulated and the original signed contracts or applications giving the original creditor permission to bill me. I have been the victim of identity theft in the past.. At this point I am not alleging it is a fraudulent account, however ; it is a possibility. I need to look through these documents to determine if the account or charges to the account were the result of unauthorized use.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In  XX/XX/XXXX  I filed a complaint with Equifax and I did n't receive a response back until back until  XX/XX/XXXX . This date is way passed the 30 days time frame allowed. i am requesting these following items be removed from my report 1. ACCOUNT NAME :   XXXX   XXXX   ACC BAL : {$2500.00} This account is duplicate with multiple listing as open error please delete inaccurate.
2. ACCOUT NAME :   XXXX   XXXX   XXXX   XXXX   ACC BAL : {$100000.00} charged off listed 3. ACCOUNT NAME :   XXXX   XXXX   ACC. BAL {$1700.00} 4. ACCOUNT NAME :   XXXX   XXXX   XXXX   ACC BAL : {$73.00} I 5. ACCOUNT NAME   XXXX   XXXX   XXXX   ACC {$0.00} NUM :  XXXX  6.ACCOUNT NAME   XXXX   XXXX   ACC BAL : {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25 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: OH

Complaint narrative:
In   XX/XX/XXXX  I filed a complaint with  XXXX  and I did n't receive a response back until back until  XX/XX/XXXX . This date is way passed the 30 days time frame allowed. i am requesting these following items be removed from my report 1. ACCOUNT NAME :   XXXX   XXXX   ACC BAL : {$2500.00} This account is duplicate with multiple listing as open error please del ete inaccurate.    2. ACCOUT NAME :   XXXX   XXXX   XXXX   XXXX   ACC BAL : {$100000.00} charged off listed 3. ACCOUNT NAME :   XXXX   XXXX   ACC. BAL {$1700.00} 4. ACCOUNT NAME :   XXXX   XXXX   XXXX   ACC BAL : {$73.00} I 5. ACCOUNT NAME   XXXX   XXXX   XXXX   ACC {$0.00} NUM :   XXXX    6.ACCOUNT NAME   XXXX   XXXX   ACC BAL : {$2500.00}

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 non-monetary relief
Consumer complaint received 2017-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I do n't know where to start. We need assistance to figure out if we are still in modification or did the mortgage company sell our home without us being notified. We have several phone calls going back and forth with Wells Fargo. We did ask them 2 months ago if we need to worry about our house going on foreclosure list. Wells Fargo Rep said They checked our account and there are not any notices or red flags on our account to be worried about. Before that we explained to them we have a lost of wages, I was recently in a bus accident and I am not able to work. In XXXX I was put on XXXX  XXXX and I am not getting what I was making to make ends meet. Again, we did tell the rep at Wells Fargo ; they asked us to send information to start modification, So we did. Wells Fargo said they will work on it and again several phone calls back and forth to get paperwork, information and proof of our situation. We began to get notices from a company called XXXX XXXX  indicating that they are selling our home and will be sold on XXXX XXXX, and now we have to get out of home in 3 days, or be evicted in 90 days. We were never notified by Wells Fargo wether we got the modification or our house was sold or any communication that we are no longer home owners. PLEASE HELP US KEEP  OUR HOME. We love our home our kids grew up there we just need help and a little time to get back where we were at financially. Thank You I hope to hear from you

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 2017-06-26 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: VA

Complaint narrative:
Dear Sirs, I need your assistance after several attempts to have Transunion, XXXX, and XXXX to remove a derogatory account off my Credit Report. the account is with XXXX XXXX .The Credit Reporting Agencies after being asked to return proof that this debt is valid .I requested an original copy of the copy of the original contract with my signature and the company signature on it and stating the Originial amount on it the amount on the reports is {$12000.00}. After several attempts and letters this negative information is still on all my reports with TransUnion, XXXX XXXX. I am getting alerts with XXXX and XXXX XXXX stating that I missed a payment in which is lowering my score.Just last month I applied for a Auto loan and theCar Finance Manager said I could not get approved because my XXXX stated that I just had this month a repossession. I greatly need your assistance in getting this negative information removed. My credit and scores has suffered extensively. They also refused to remove the old addresses and inquiries and an Ex- Wife name in which I am no longer married to her for several years now. These are several dates in which I had sent numerous letters trying to get certain things removed like XXXX XXXX and they still refused to correct the information XX/XX/XXXX, XXXX. Hope you can be of assistance. <P/>Thank You

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