vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-11 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: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
Due to Hurricane Irma, Planet Home Lending, my account # : XXXX was set up for a special payment plan to get through our temporary income cessation. 

I received a 30 day late on my credit report, and they stated this was an error and it would be fixed next month. That was back in XX/XX/XXXX. I have called multiple times, and every time they tell me it was their reporting error and it would be fixed. 

As of my most recent update, XX/XX/XXXX, still not fixed and it is effecting my score by over 60 points. 

I call and call, they say they will fix it with no results. 

My account is now current, income is coming in very good again and we are even 2 weeks ahead on our payments. 

Since this payment plan was set up during the hurricane relief period, we should not have late fees or a late reportson the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Due to Hurricane Irma, XXXX XXXX XXXX, my account # : XXXX was set up for a special payment plan to get through our temporary income cessation. 

I received a 30 day late on my credit report, and they stated this was an error and it would be fixed next month. That was back in XX/XX/XXXX. I have called multiple times, and every time they tell me it was their reporting error and it would be fixed. 

As of my most recent update, XX/XX/XXXX, still not fixed and it is effecting my score by over 60 points. 

I call and call, they say they will fix it with no results. 

My account is now current, income is coming in very good again and we are even 2 weeks ahead on our payments. 

Since this payment plan was set up during the hurricane relief period, we should not have late fees or a late reportson the 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 2018-03-11 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: GA

Complaint narrative:
Due to Hurricane Irma, XXXX XXXX XXXX, my account # : XXXX was set up for a special payment plan to get through our temporary income cessation. 

I received a 30 day late on my credit report, and they stated this was an error and it would be fixed next month. That was back in XX/XX/XXXX. I have called multiple times, and every time they tell me it was their reporting error and it would be fixed. 

As of my most recent update, XX/XX/XXXX, still not fixed and it is effecting my score by over 60 points. 

I call and call, they say they will fix it with no results. 

My account is now current, income is coming in very good again and we are even 2 weeks ahead on our payments. 

Since this payment plan was set up during the hurricane relief period, we should not have late fees or a late reportson the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Due to Hurricane Irma, XXXX XXXX XXXX, my account # : XXXX was set up for a special payment plan to get through our temporary income cessation. 

I received a 30 day late on my credit report, and they stated this was an error and it would be fixed next month. That was back in XX/XX/XXXX. I have called multiple times, and every time they tell me it was their reporting error and it would be fixed. 

As of my most recent update, XX/XX/XXXX, still not fixed and it is effecting my score by over 60 points. 

I call and call, they say they will fix it with no results. 

My account is now current, income is coming in very good again and we are even 2 weeks ahead on our payments. 

Since this payment plan was set up during the hurricane relief period, we should not have late fees or a late reportson the 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 non-monetary relief
Consumer complaint received 2018-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On XX/XX/XXXX Navient automatically put me in a forbearance which I did not request and did not have any knowledge l. On XX/XX/XXXX, my credit report went down 40 points due to interests capitalized to amount with the interest amount going up of {$300.00}. I requestsd to have my forbearance lifted off and add will pay my amount. Navient agent advised its too late since it's already been reported to credit companies and just pay the remainder balance and they will report PAID.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
On XX/XX/2018, a company has sent me XXXX Ethereum XXXX XXXX token to my ethereum wallet on coinbase. There were no warnings at all that this transaction could not be undertaken on the account page of the website and the only little caveat was on a support page where by definition people only go if they need support. 

Despite advertising the wallet as owned by user, Coinbase doesn't now allow me to access or move the funds which have peaked at a value of $ XXXX since then. 

Appreciating that coinbase isn't willing to give users private keys necessary to move funds I have therefore asked on the same date XX/XX/2018 to just return the ether with tokens back to the sender. 

After multiple calls to the call centre where support team confirmed the issue would be resolved by a special team, on the XX/XX/XXXX ( over two months later ) coinbase replied saying that it was technically doable but complex so money would not be returned which doesn't seem a very professional answer from a regulated company. 

I have called the support team and I was now told that there is a disclaimer on the account page to warn people against using it for tokens. While I appreciate coinbase is trying to fix this issue going forward this wasn't displayed at the time of transaction ( I have a screenshot available if required ). 
Interestingly I was unable to escalate the complaint internally and I was refused any advice on how to complain further with external regulator. 

As coinbase today still stores my asset whitin its wallets, not returning this to me it's a fraudlent activity classified as wrongfully retained credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX automatically put me in a forbearance which I did not request and did not have any knowledge l. On XX/XX/XXXX, my credit report went down 40 points due to interests capitalized to amount with the interest amount going up of {$300.00}. I requestsd to have my forbearance lifted off and add will pay my amount. XXXX agent advised its too late since it's already been reported to credit companies and just pay the remainder balance and they will report PAID.

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 2018-03-11 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: GA

Complaint narrative:
Trans Union states that their policy is to report Voluntarily dismissed bankruptcies, regardless of the chapter filed, for seven years from the date the bankruptcy was filed. 

I have repeatedly reported Trans Union for violating this policy and for not deleting a Voluntarily dismissed bankruptcy that was filed on/about XX/XX/XXXX. 

Trans Union claims they have verified the information in my filed but had they truly done so they would have seen a Motion to Voluntarily Dismiss the proceeding. The Chapter XXXX Bankruptcy was in fact DISMISSED and never adjudicated. 

The 7 year removal date lapsed on XX/XX/XXXX, but the filing remains on my report. This is in violation of Trans Unions alleged policy. Below is Trans Union 's response to my previoulsy filed complaint. 

" We have reviewed your complaint along with the information you provided regarding this issue. TransUnion has verified that the bankruptcy information reported in your credit report accurately reflects the public record of the United States Federal Bankruptcy Court, and is currently reported on your credit report as permitted by federal law. The Fair Credit Reporting Act allows : Bankruptcies to be reported for 10 years from the date of filing. However, it is TransUnions policy to report discharged or dismissed Chapter XXXX bankruptcies for seven years from the date the bankruptcy was filed. Voluntarily dismissed bankruptcies, regardless of the chapter filed, are reported for seven years from the date the bankruptcy was filed. Therefore, as permitted under federal law, it will remain on your file until XX/XX/XXXX. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX XXXX  XXXX XXXX ET. Please visit http : //transunion.com/XXXX for frequently asked questions about your 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 2018-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cawley & Bergmann, LLP
State: CA

Complaint narrative:
Hi, Here is the situation : XXXX ordered XXXX credit card on behalf of me without my permission as a replacement for XXXX XXXX card. [ mid - XX/XX/XXXX ] I had no idea about the existence of this card until I got a call from XXXX stating that I haven't paid my bills. This call was around XXXX XXXX and the fraudulent charges were incurred in XX/XX/XXXX. Apparently someone intercepted the card and used it. 

I contacted XXXX stating that I never had seen the card and the entire amount was completely fraudulent. XXXX mentioned that they will investigate this as fraudulent and close this. 

However, they didn't close this issue, and kept on sending 120 days non-payment notice to credit bureau. I contacted them multiple times between XX/XX/XXXX, and they finally said that the issue is closed and the credit score also reflected that the issue is closed. [ XX/XX/XXXX ] Now, in XX/XX/XXXX, I got a mail from XXXX stating that they have sold my debt of {$890.00} to XXXX XXXX XXXX XXXX XXXX. 

I called up XXXX and gave them the details on situation, but they said that the account on their side is locked. 

I got another mail from Cawley & Bergman who is trying to collect the debt of behalf of XXXX XXXX XXXX equities. 

I am attaching : 1. My mail exchange with XXXX, when I first received the Credit Score degradation. 
2. Letter from XXXX that they are selling the balance to XXXX XXXX and XXXX XXXX XXXX. 
3. Letter from Cawley & Bergmann debt collector. 

Thank you for your help. 

-XXXX XXXX  Personal Details [ to be removed before any posting ] Here are the other details : Original Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Creditor XXXX XXXX XXXX XXXX   XXXX XXXX Cawley & Bergmann File Number : XXXX Current Balance : {$870.00} Address : XXXX XXXX XXXX , XXXX . 
XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX ; Fax : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
XX/XX/2018 I went to check my credit and to my surprise a medical bill that I knew nothing about was listed. It was from XXXX XXXX XXXX XXXX for {$890.00} and the creditor was Ability Recovery Services. Well from my understanding I signed a HIPAA form when I go to the doctor or a hospital, which states that I only allow them to discuss my medical information with whomever I put on the form. That medical debt collection agency does not have permission to access my medical information. Im asserting violation of HIPAA based on improper disclosure of the medical procedure, and to get a resolution pertaining to the disclosure of the medical procedure. violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency and bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
RE : Complaint # XXXX ; Received an email from CFPB, stating that PNC Mortgage is still working on my complaint on XX/XX/XXXX. ( SEE ATTACHED ). 

On XX/XX/XXXX, I receive a letter by mail from PNC Mortgage date XX/XX/XXXX ; stating that no further action to my complaint is required. ( SEE ATTACHED ). 

CFPB is saying one thing and PNC is stating something totally different. 
As I have stated in the past, PNC Mortgage does whatever they want to. This company marches to their own drummer and XXXX the laws and the people that they are supposedly working for. PNC transferred my account because I refused to let them XXXX me! 

SOMEONE NEEDS TO KEEP A WATCHFUL EYE ON PNC MORTGAGE!! WHERE IS MY {$510.00} MONEY ; OR DID YOU TAKE IT ALONG WITH MY INSURANCE REIMBURSEMENT OF ALMONT {$1400.00} FROM SEVEN YEARS AGO?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 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: Ocwen Financial Corporation
State: OH

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, my FICO, XXXX, XXXX and XXXX  credit reports show that we were 60-89 days late on our mortgage with Ocwen. We were 30-59 days late during these times, but we were not 60-89 days late. 
Between XX/XX/XXXX and XX/XX/XXXX, Ocwen was erroneously keeping my payments in suspense, and was not applying my payments to the past due balance. This error caused my mortgage to be reported as 60-89 days delinquent. If Ocwen had applied these funds to my past due balance, as the company is obligated to do under my contract, my account would not have fallen 60-89 days behind. 
I filed a complaint with the CFPB regarding the payments held in suspense. After I filed the CFPB complaint, the issue was quickly resolved, and the payments held in suspense were applied to my past due balance. However, the error with my credit reports ( the report that we were 60-89 days late on our mortgage ) was never corrected. 
After I filed the complaint with the CFPB, I spoke with a supervisor at Ocwen. She said that the payments were being held in suspense by error ( that it was Ocwen 's error ). She said that she was not sure why this error occurred and she promised me that the issue would be resolved quickly. 
I contacted Ocwen regarding the error with my credit reports, but they have refused to correct the error regarding my delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 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: MicroBilt / PRBC (formerly CL Verify)
State: FL

Complaint narrative:
My wife and I both have " excellent '' credit ratings with all three credit reporting companies. However, both of our XXXX credit reports include the following new inquiry : MICROBILT XX/XX/2018 Collection Reseller XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX We have never had any accounts, business or contact with " microbilt '' that would permit them to legally seek access to our credit history, and we have not authorized any credit inquiry by them. I recognize what a " Collection Reseller '' is, and we have no delinquent accounts, nor any accounts in collection. 
I attempted to file a online dispute with XXXX, but their online dispute process has responded " temporarily unavailable '' during multiple attempts per day over four consecutive days. Neither of our XXXX or XXXX credit reports reflect this inquiry, so I am unable to file a fraud alert with either of those credit reporting companies. 
I attempted several times over the past week to phone Microbilt at the number provided in their inquiry ( above ) and the phone quickly went dead without being answered, until I was finally able to leave a voicemail message today ( Sunday ). 
This inquiry is a fraudulent post of false negative account information that damages our credit standings. Additionally, it was used to obtain illegal access to our my credit files. We are concerned that this unauthorized access will lead to identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi Wells Fargo is closing my account by the XX/XX/XXXX or the XX/XX/XXXX due to some fraudulent activity on my account. They want to close my account because it is in the negative and they are blaming me and closed the case. Wells Fargo fraudulent activity on XX/XX/XXXX in Florida when Im in California

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 2018-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UMPQUA HOLDINGS CORPORATION
State: OR

Complaint narrative:
I open a checking account with my XXXX that I've been receiving for 28 yrs. This XXXX XXXX charged me over and over for months XXXX till they bill got up to XXXX dollars repeatedly took my whole check which was automatically deposited every month they did that without asking me they are a bunch of crooks And I see there CEO is up on charges for the same thing they did to me Please help

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 2018-03-11 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: MIDCOUNTRY FINANCIAL CORP
State: MD

Complaint narrative:
XXXX XXXX ran two Hard Inquiries on my credit report ( XXXX ) XX/XX/XXXX and XX/XX/XXXX. First of all, I did not apply for a personal loan within those dates and most importantly i did not authorize nor sign off on a Credit application for a hard inquiry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Bank of America wrongfully and ileagaly foreclosed an my family s home .I new nothing about this until it was already done. no certified letter. Was not in localpaper. I had payed on this house for fifteen years. Have always worked and payed my bills.the bank would always call and say I was late on my payment.after they checked they found they had applied it to another acount I had with them.I receive a letter from them saying I had abandoned the house.I did not.I call bank to see what this was about and they tell me they already foreclosed on the house and already sold at auction where bank of America had bought the house. I new nothing about this till it was over.the bank would not talk to me about this.I filed complaint with occ they say they find no wrong doing onthere part I talk to local lawyer they said since it wasalready foreclosed I could not do anything.now the courts have proof the bank robbed people of their homes. They did my family wrong stole our house and got away with it.I think they should have to make this wright with everyone they did wrong.I will not give up on this.I will send this every where I can to let the people know what is going on even to president trump

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 2018-03-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I have IRA with NAVY Federal Credit Union and the balance is not correct so I requested copy 's of all withdraws, and they disabled ; my account so I have no access to my account, nor was I provided copy of withdraws base on the balance there funds are missing. They refused to provide requested in formation and then disable my account in questionable. This is a new compliant and they are not working on it How much more time will you give them to resolve the other compliant, you time limits means nothing to them or you as it appear I hope this is not a repeat of you action during nothing as rrequired

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation