vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXXXXXXcredit Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX These are all inquires that I did not give any consent to. 
Called XXXX and XXXX and they both told me I would have to call each creditor individually. When calling the creditors, they tell me to call the credit bureau. It is an never ending cycle.

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 2017-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
A debt in the amount of XXXX from National Credit Systems is being reported on my credit report. I have requested validation of the debt. The company replied by sending a contract beginning XX/XX/XXXX and expiringXX/XX/XXXX and an account statement stating that my lease expired XX/XX/XXXX. The statement also says that the move out date was XX/XX/XXXX which is incorrect. National Credit System failed to send a lease renewal, a current contract saying that i occupied the complex during the time the charges were put on the account, and transaction history. I have let them know that they are reporting inaccurate information and that there was no contract with the company. I received an automatic message stating that the information is accurate and that it will stay on my report. As you can see the dates do not match up and there was never a renewal of the lease. The complex also received a 30 day written notice. Without the lease RENEWAL, the debt can not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN INTERNET MORTGAGE
State: GA

Complaint narrative:
My complaint is that I can not obtain the participation in HUD-assisted programs and activities without regard to race, color, national origin, sex, religion, familiar status ( families with children under 18 ) or disability due to programs not available exclusively to me, XXXX XXXX XXXX XXXX. 

The type of problems I am having is HUD assisted programs and HUD activities. 

Its happens to be no HUD-assisted programs and activities are where I can find them. 

The company is XXXX, XXXX, and XXXX. 

The people involved are Employers and Hospitals refusing to Disclose my XXXX XXXX and XXXX XXXX to HUD-assisted programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
I paid my payment online on XX/XX/XXXX of XXXX .. the funds were taken out of my account on XX/XX/XXXX because of the holiday.. My payment on the online account shows in suspense when I called  Ditech to question it they state that it takes 5 days to be applied a glitch is in the system. In there interim i also notice that my escrow had an overage of XXXX dollars a check was mailed but they are trying to hold more escrow then needed if they apply this payment. I think they have my money in XXXX on the website to hold back giving me the full overage of escrow and carry it over into the new year. Online it looks as if I am 26 days late when they already have my payment and no one seems to be able to explain this to me. I paid the late fee and the mortgage with the escrow included. please investigate this for me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I suggest that Synchrony Bank absolutely knows what they are doing and should be reprimanded and fined. I had 2 cards, one with XXXX and another with XXXX through Synchrony. In both cases I was signed up for e-billing. The balances were low and the month they were due I researched my files and I had never received an e-bill. Both accounts were then charged large fees and interest. 

I went back to my last XXXX bill and found that Synchrony had applied a fee of {$14.00} on a bill of {$13.00}. The same situation occurred where no e-bill was sent. I paid the bill without recognizing the fee. The most recent bills are as follows ... .... 

1 ) XXXX {$330.00} purchased + Fees {$25.00} + interest {$7.00} no bill received the first month it was due, only the second month with the fees and interest added. 

2 ) XXXX {$71.00} purchased + Fees {$29.00} no bill received the first month it was due, only the second month with the fee added. 

Now XXXX has just issued new cards through XXXX. Do they know something? Has this been reported before? I believe this is a practice for profits from Synchrony Bank. 

I have been issued credit for both 1 & 2 above. There were no questions and they immediately resolved the issue ( 2 different phone numbers ) when I told them this was a scam. 
Maybe they have trained their personnel about the process?

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 2017-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
I have had a mortgage with XXXX XXXX for over XXXX yrs. and now my loan has been transferred to SSL ( Specialized Loan Servicing ) which I am VERY, VERY unhappy about. I have been on XXXX XXXX 's bi monthly program for the past 13+ years which saves me significant interest over the life of the loan. But SSL does not offer a bi monthly payment service and so now this change ( that I had no control over ) is going to cost me significantly more over the life of the loan and this is NOT what was agreed upon with my loan officer when I got the mortgage with XXXX XXXX. 
Is there anything that can be done?

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 2017-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
My wife and I were cold called by quicken loans/rocket mortgage to refi our existing loan in XX/XX/XXXX. We were explicitly told that they were applying lender credits and our loan amount would not increase and they could do a 0 out of pocket refinance. Quicken ran our credit, told us we were approved so we provided over 60 documents they requested. 
Over the next 4 months they kept telling us everything was good and we were ready to close. When it came to the final stage they told us we had to come out of pocket XXXX dollars and they tried to increase our loan amount by almost 6 thousand dollars. Their representatives lied to us on multiple occasions regarding pmts and why they didnt want us to put money down. Every time I thought we were getting ready to close they would change the numbers on us. Total bait and switch. We went to closing on XX/XX/XXXX ... ..7 months later. They lied about rate locks, they lied about closing cost and they lied about payments. I learned a valuable lesson and will in the future require anything told to me in writing. I may contact an attorney to have their phone records transcripts but I dont know if they keep em. I am severely disappointed in their business practices and feel that they should be held to the same ethical standards as anybody else who sells a loan to a consumer. Their Refinance department was shady and the worst part is they have no sense of responsibility to make right what their loan officers and loan specialists say to consumers. 
Im use to reading contracts so I was able to catch their deception however I feel sorry for the countless people who have been bent over unknowingly by Quicken Loans. 
I have been contacted by their team as we did close on the loan however we are still weighing our right of rescission while they attemp to make this right. As of now I think that something should be done on a foundational level when it comes to clear and concise explanations of whats actually going on with a consumers loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Mortgage LLC
State: CA

Complaint narrative:
I have been appoved for refinancing my primary residence from FHA loan to Conventional loan. I provided all documents that was required : income verification, bank statements Social security number verification, retirements awards, income tax statements. I am XXXX worked in USA for 20 years, I have 2 homes XXXX/XXXX in America. I got injured at work and was forced to retired. I am in XXXX temporary to do XXXX XXXX course so I can start the XXXX XXXX which is incorporated. My corporate lawyer sent a letter to verify who I was including my accountant. I was told I need more prove to come back and live in USA. I am a singlemom with a XXXX XXXX XXXX going to college and living in my house. I was asked to verify my son 's XXXX and the Regional Center provided the documents meamwhile my son is not on the loan. I felt exploit and discriminated. I even went to XXXX XXXX website that provide exclusion for people with XXXX to stay in their primary residence. All documents to support mt eligibility were sent with no avail. Very good credit score, income verification and source, Consumers rights. In California the source of verifing your address is bill statement, drivers licence and parcel assessment to verify your residency is provided. This is my Primary Residence housing my American Child with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NH

Complaint narrative:
I called XXXX XXXX for a mortgage payoff for the property at XXXX XXXX XXXX, XXXX, NH, LOAN NUMBER XXXX. I was very firmly told to make the XXXX payment because Ditech was going to pay the real estate taxes. I told them I would wire them funds on XXXX XXXX XXXX. Their representative demanded I make the XXXX payment. It is XXXX XXXX XXXX, I do not have my escrow proceeds of {$1200.00} and I do not have my XXXX mortgage payment of {$1400.00}. XXXX XXXX did NOT pay my real estate taxes to the town of XXXX, NH. Ditech owes me {$2700.00}. I have spoken with XXXX XXXX on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and today, XXXX XXXX XXXX. XXXX XXXX maintains the United States Postal Service lost the two checks. I asked them to wire the funds and volunteered to pay the wire fee. Today XXXX XXXXXXXX said they could not wire me my money, and that they sent replacement checks on XXXX XXXX XXXX. I wired them the payoff funds per their request on XXXX XXXX XXXX. I want my money returned to me immediately.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 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: TN

Complaint narrative:
Initiated {$7500.00} ACH transfer on XX/XX/XXXXfrom checking account to Coinbase account ( US dollar wallet - no currency conversion involved ). Coinbase site states 3-5 business days until money will be available in my Coinbase USD account. 

{$7500.00} left my bank account the next day on XX/XX/XXXX. It is still not deposited into my Coinbase account. The max timeframe of 5 days has already passed. 

Coinbase website states they have degraded service due to currency conversion issues. However, there is no currency conversion involved in my order. A simple ACH transfer of {$7500.00} from my checking account to my USD wallet at coinbase, there is no conversion involved so this should not be delayed. 

Coinbase is keeping peoples ' money a lot longer than they say they will. XXXX is full of users with the same complaint. 

I have tried to contact Coinbase but their support is non-existent. Suggest to fine Coinbase and/or revoke their license.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 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: LA

Complaint narrative:
On XX/XX/XXXX, I filed a complaint against Experian because I noticed several unauthorized inquiries on my credit report. I also DEMANDED that Experian investigate and show proof of verification. On Today, I received a response from Experian claiming those inquiries were verified, but I wasnt send proof of how they were verified. Im aware of my rights and according to FCRA, inaccurate and unauthorized information should NOT be on my credit report. Experian must show me proof of what they used to verify these inquiries or REMOVE them immediately. I have rights to be allowed to see the proof of verification and if there isnt any then these inquiries should be REMOVED. You must be able to prove that these inquiries are valid. I feel as though my rights have been violated because there are inquiries on my credit that simply does not belong to me therefore, they should be REMOVED. I have a fraud alert on my credit report, so I shouldve been contacted about these inquiries but I wasnt. The inquiries needed to be removed are : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2017-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
From the XXXX XXXX 2017 I have been locked out of my crytocurrency trading account on www.coinbase.com I have tried to contact coinbase to resolve this through email requests only to recieve automated messages and a faint promise of help " soon ''. 
Further attempts to contact coinbase through their support phone line have resulted in nothing after waiting in excess of 4 hours on " hold '' to talk to someone. 

This complete lack of service is unacceptable. 

Avoid using coinbase if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 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: TX

Complaint narrative:
This letter is to inform you that TranUnion has failed to respond to my inquiry dispute letter that was sentg certified mail XX/XX/XXXX and the numerous phone calls I 've made to attempt to correct this error. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. I also have a fraud alert on my credit file and to say that the social security matches does not constitute valid reporting or inquires. I asked that the following inquires from my report as pursuant to 15 U.S.C 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires with a credit or insurance tranaction that is not initiated by a consumer, which I have spoken to several US agents and informed them that the following inquires was not initiated by myself and seek immediate deletion and correction to my credit report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2017-12-27 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: KS

Complaint narrative:
In XXXX, I sent an investigation request to Experian, asking them to correct errors on my credit report. More than 30 days past, and we did not receive a response. On XXXX XXXX, we filed a grievance with your office regarding the delay from Experian. Experian responded to my complaint, and said they would send a copy of the credit update to us. More than a month has past, and we have still not received the credit update.

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 2017-12-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have tried to contact the institution for the past 2-3 weeks. Total consumer negligence. I have yet to hear back. 

Please call me at XXXX 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 monetary relief
Consumer complaint received 2017-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP
State: NY

Complaint narrative:
Getting repeated calls from XXXX XXXX XXXX asking to speak to someone on their list that they are trying to collect a debt from. The people they tend to call about have my same last name and first initial, suggesting they are using intrusive automation ( I believe the term is 'raking ' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC

Complaint narrative:
Through my escrow accounts, Mr Cooper has taken very high sums ( XXXX USD per year ) for an insurance policy, that was totally overpriced and that I did n't need. In addition, they have ignored my numerous asks to create some transparency on this account and their logic for charging me. 

- they have taken about XXXX USD per year on my escrow for about XXXX year, and there is nothing I can do - they have ignored the fact that I had coverage independently. I sent them the policy number and submit it on their website, but they never answered to those emails, just send me generic service emails and continue stealing my money - separately, I asked them more than XXXX weeks ago for a reconciliation of my escrow account since inception, and they said they would send it but never did. They are ignoring my asks to have visibility on what happened They are basically crooks. And because I do not want to damage my credit score, there is nothing I can do. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
i had bad credit reason child support outstanding {$5100.00}, XXXX phone bill outstanding {$1000.00}, XXXX credit card outstanding {$2000.00}, XXXX  electric bill outstanding {$2500.00} federal tax lien XXXXoutstanding balance $ XXXX XXXX  federal tax lien {$30000.00} my drivers licensed # XXXX still suspended in XXXX XXXX XXXX XXXX and XXXX dl # XXXX suspended nationwide santander consumer usa could not approved a retail installment sale contract no dealer number no contract number wrong address of buyer XXXX correct XXXX XXXX XXXX XXXX XXXX XXXX md XXXX wrong name of seller XXXX if XXXX XXXX XXXX forfeited business licensed. contract federal truth-in-lending disclosures annual rate 17.07 % with credit score XXXX at XXXX years old. finance amount {$10000.00} vehicle price {$10000.00} vehicle amount finance {$19000.00} total of payments {$30000.00} total sale price {$33000.00} monthly {$410.00} beginning baby boy XXXX stolen at XXXX from southern maryland hospital in XXXX md on oXX/XX/XXXX1978 child is still missing invalid contract block print XXXX of XXXX XXXX XXXX no seller signature by no name or signature or title law form no. XXXX santander in default of {$19000.00}, pay off {$18000.00} conduct the fbi

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 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: TX

Complaint narrative:
XXXX breach caused inaccurate information on my credit report sent po report XXXX violation of my cra right remove the inaccurate information

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 2017-12-27 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: TX

Complaint narrative:
XXXX breach caused inaccurate information on my credit report sent po report XXXX violation of my cra right remove the inaccurate information

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