vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-01 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: FactorTrust, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I have previously disputed this information with XXXX however they have continued to willfully ignore my rights as a consumer and have not investigated this matter properly. I am now including new information in this dispute. In the attachments you will find a copy of my lease showing where I lived during this theft, a copy of my photo ID, a copy of the FTC identity theft affidavit and a copy of the notarized identity theft complaint provided by XXXX XXXX XXXX XXXX. 

The information being disputed is : Reported Information - XXXX XXXX XXXX This account was opened as a result of identity theft Reported Information - XXXX XXXX XXXX XXXX XXXX This account was opened as a result of identity theft I am disputing the following inquiries as I did not authorize them : XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Factor Trust - XX/XX/XXXX Factor Trust - XX/XX/XXXX Factor Trust - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a victim of identity theft. I have previously disputed this information with XXXX  however they have continued to willfully ignore my rights as a consumer and have not investigated this matter properly. I am now including new information in this dispute. In the attachments you will find a copy of my lease showing where I lived during this theft, a copy of my photo ID, a copy of the FTC identity theft affidavit and a copy of the notarized identity theft complaint provided by XXXX XXXX XXXX XXXX. 

The information being disputed is : Reported Information - XXXX XXXX XXXX This account was opened as a result of identity theft Reported Information - XXXX XXXX XXXX XXXX XXXX This account was opened as a result of identity theft I am disputing the following inquiries as I did not authorize them : Capital One - 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 XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX To Whom it May Concern, I recently pulled a copy of my credit report and noticed the following information is in error : Address Errors : XXXX XXXX XXXX XXXX, XXXX XXXX Phone Errors : Name Errors : My correct social security number is XXXX. With the amount of identity theft going on, I am very fearful that some could mistakenly identify me as someone else with this incorrect information on my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I 've contacted MCM via certified letter on XX/XX/XXXX about the inaccurate information that was being reported on my credit. I ask for Validation of account, on the first attempt the sent me a letter with the creditor, account number, charge off date and charge of balance. In a second letter I explain that the the information that they are reporting is in accurate and incorrect. I received another letter on XX/XX/XXXX with a copy of a statement, with a previous balance of XXXX, pass due amount of XXXX, fees charges of XXXX and interest charged of XXXX The original credit limit was XXXX, but says new balance is XXXX. I asked that they show purchases when and where, payments made to the account, ect. They stated they have notified the 3 credit bureaus to change status to DISPUTED. Due to a government hack in 2016, I 've had to make sure all credit info and accounts are accurate an are my account. This account has been paid through another collection agency, but now I have MCM and another company trying to collect on the same debt. I just want the matter resolved, and handle. And my information to stop being sent to different collection agencies trying to collected on a debt that has already be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Received a mailed offer from AAdvantage/Citibank in my name with a specific code offering a XXXX mile bonus with XXXX XXXX if I spend {$3000.00} in 3 months. I applied and was accepted, receiving the card on X/XX/17. I then spent {$3000.00} within 3 months. I did not receive the bonus and contacted Citi. They said because I had the card previously and closed that account within 24 months, I did not qualify for the bonus. The mailed offer did not state this, and the information received with the card makes no mention of this. If I did not qualify for the specific offer that I applied for, I should have been denied the card, not sent a new card, indicating acceptance of their offer.

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 2017-09-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BlueChip Financial
State: VA

Complaint narrative:
I have been getting daily recorded phone calls from XXXX XXXX XXXX. 
When I call them back, they say I am being investigated for federal bank fraud and that I would be served. I 've also been told that they would continue to charge me 700 % interest until I paid the debt, which is n't legal in my state and that I would never be able to buy a car or get another job. 

They are also leaving the same recorded messages at my father 's house. I have never lived at that address nor have I used that phone number. 

I have these voice messages saved. 

The company gave me the address of : XXXX XXXX XXXX in XXXX, KY.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom it May Concern, I recently pulled a copy of my credit report and noticed the following information is in error : Address Errors : XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Phone Errors : Phone : XXXX XXXX XXXX Phone : XXXX XXXX XXXX Name Errors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My correct social security number is XXXX. With the amount of identity theft going on, I am very fearful that some could mistakenly identify me as someone else with this incorrect information on my credit report. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2017-09-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
InXX/XX/XXXX my former husband and I contracted with XXXX XXXX to install an inground pool. For which we secured a loan in the amount of {$15000.00} plus through XXXX XXXX which is now Ditech. XX/XX/XXXX we increased the amount of the loan to {$18000.00} plus so we could include a fence. Instead doing a modification on the loan they recorded a second deed of trust without releasing the first. In XXXX when the loan was satisfied they issued a certificate of satisfaction and referenced the loan number and account number of the 2nd deed of trust but referenced the deed book and page number of the original deed of trust. 
I am trying to refinance my home and my title company XXXX XXXX found these 2 unreleased deeds of trust in a title search. I have been calling Ditech daily and have emailed since XX/XX/XXXX to try to clear this up without any success. Customer service is very rude and the lien release dept has no phone and will not respond to emails. I am not able to close on my refi and am in danger of having my rate lock expire. My title company XXXX XXXX has emailed and faxed all the information over to them to explain what is wrong and what needs to be done to correct this but Ditech still can not understand and to my knowledge has not done anything to rectify this problem. We requested a letter from customer service referencing both account number that these accounts have been paid off and they have intent to release but after a few attempts and still not receiving what we need I feel these deeds of trusts will never be released.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
RE : Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX, VA XXXX Portfolio Recovery sent notice of a fraudulent debt.Attempted to collect on unsubstantiated or inaccurate debt. 
I sent denial is writing within the first 30 days. They called repeatedly and harassed over and over even after being told to halt. Pressured me to make payments using misrepresentations Relied on misleading, robo-signed court filings to churn out lawsuits Misrepresented their intention to prove debts they sued consumers over.They sued and lost in court. 
They still keep reporting this false debt every month to credit reporting agencies. 
Sued me for past the statute of limitations.Statue of limitations expired years ago. 
Violate federal law repeatedly Criminal company needs to be put out of business. 
I want PRI to remove all negative trade lines in all credit reporting agency immediately Thanks you,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: NY

Complaint narrative:
On XXXX XXXX, 2017 I attempted to receive an auto loan from XXXX XXXX, I was denied and given a letter of explanation citing a credit reporting agency called SAGESTREAM LLC. I have never heard of this company, nor have I ever given permission for them to obtain my information from other credit reporting agencies. My score from XXXX is XXXX and contains current and correct information. My score from SAGESTREAM XXXX, when I attempted to request my credit report from this unknown company they denied. They require you to mail in forms of id and personal banking information no one else requires. The company when contacted and attempted to find out more information on who they are, I was hung up on every single time. This company uses extortion and stonewalling tactics to increase interest rates for financial institutions.

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 2017-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Sometime ago, approximately XXXX XXXX, I called and requested that they update my educational loan that had been paid off around XXXX. Next thing I know, my Equifax score dropped XXXX points. I have tried to dispute this but I get a runa round about having to file a dispute with the account but it appears the account was simply deleted and my " Age of Credit History '' has been shortened causing a huge ding to my score. On top of that, they have negative reports on an account that I do n't have the history of credit for which hurts me even further. 

I have worked very hard to get my scores back up from being financially challenged a decade ago. Equifax is the only one that is lower than XXXX and they do n't seem to want to help or since the item was deleted, they XXXX not be able to help? I am so furious that I ca n't think straight anymore about this. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX, IA XXXX XXXX XXXX XXXX Box XXXX XXXX, PA XXXX To Whom it May Concern, I recently pulled a copy of my credit report and noticed the following information is in error : Address Errors : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone Errors : XXXX XXXX XXXX XXXX XXXX XXXX Name Errors : XXXX XXXX XXXX My correct social security number is XXXX. With the amount of identity theft going on, I am very fearful that some could mistakenly identify me as someone else with this incorrect information on my credit report. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2017-09-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
My loan was paid off XXXX XXXX, XXXX. The company is trying to say that I owe another payment and XXXX and something in interest. They pulled XXXX out of my bank account on XXXX/XXXX/XXXX. I never received any notice that I owed any extra money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, I put in an order for {$500.00} of XXXX through my linked checking account. I received a confirmation e-mail at XXXX XXXX EST that day for that order. Following the confirmation e-mail, I received another e-mail saying they were unable to process my transaction due to a mismatching of names between accounts. My account was restricted at this time. The e-mail said to contact support regarding the issue and that if they did n't hear back from me before XX/XX/XXXX, they would cancel the transaction. It also sent a link to verify my identity. I followed the link and process and was told my identity was verified ( with a green check mark ) and to click to continue. The continue button did not lead to another page and led to the browser timing out. I tried multiple browsers to no avail. At XXXX XXXX, I put in a ticket to support and received a confirmation e-mail.
On XX/XX/XXXX, I received a response from support ( XXXX XXXX ) at XXXX XXXX. This was my first apparent contact with a real individual. The response was essentially the same as the auto response I had received 2 days prior and gave no additional information or resolution. At XXXX XXXX, I received two e-mails stating my previous transaction could not be completed and had been cancelled, even though I clearly had contacted before XX/XX/XXXX. At this point, I had chalked the lost transaction up to a loss and figured my account would be unrestricted shortly after following the suggested steps ( un-linking and re-linking the bank account for future transactions ).
On XX/XX/XXXX, my account was still showing as a restricted account. I sent another ticket to support at XXXX XXXX and received a confirmation e-mail. I received a response from support ( Coinbase Support ) at XXXX XXXX It more or less repeated the same information received on XX/XX/XXXX, and again offered not further steps or resolution. This response did suggest to make sure that I had verified my ID with them by submitting my driver 's license. I did check to verify that I had uploaded my ID with them and I found that I had in fact done so in the past and it was showing with my account. The e-mail response ended by asking if I needed anything else, to please reply. Since I had received no useful information or resolution, I replied at XXXX XXXX and AGAIN asked how I go about getting the account off of restricted status.
On XX/XX/XXXX, my account was still showing as a restricted account and I had not received a response to my email on XX/XX/XXXX. At XXXX XXXX, I emailed again and stated to support that I still had not received any assistance or contact regarding my account. I advised that I would be contacting the CFPB on XX/XX/XXXX, if I did not hear from them by the end of the day.
As of XX/XX/XXXX at XXXX XXXX, I have not heard back from support and my account is still restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
In XXXX I had noticed that my credit report had an account that was being reported by XX/XX/XXXX that stated that I had a balance of {$280.00} that I did not recall as being mine ( see evidence attached ). I was a co-signer. I disputed the account with XXXX, XXXX and Experian. I later received the information that the accounts had been deleated ( see evidence attached ). In XX/XX/XXXXI requested my credit report again and the account remains on my report but it is only being reported by Experian. This car per the owner of the account has informed that was paid off in XX/XX/XXXX. I contacted the bank and disputed the account again with Experian but the account now appears as if it is being paid but the balance of {$210.00} does not change. Please see evidence attached. I do not feel that my credit report should continue to show this account as delinquent since the car loan has been paid off since XX/XX/XXXXand I do not recall any other debt. Please advise if this account can be removed in order for me to continue to inprove my score and manage my finances.

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 2017-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
When I originally got the loan we never signed all of the paperwork. The lady they sent said she would bring back some papers and never did. All of the papers are not signed by me. The loan is now illegal, it is a loan where the payments and interest goes up every year. The payment amounts do not match what is on some of the paperwork that we received. The payments have always been higher than they were ever supposed to be. We have tried for years to get a modification with them and was denied every time. I got forced into bankruptcy many times because of this loan. There are many discrepancies with this loan and the mortgage co will never send us any papers we ask for. I am again in bankruptcy due to this loan. I am XXXX and not in great heath. This company is Wells Fargo. They are already proved to be frauds with all aspects of their company, from all the way back in history with XXXX XXXX. Wells Fargo should be held accountable for what they do to people. They have never tried to help me. I would really appreciate any help you could give me. Thank you for your time

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 2017-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I have a mortgage with Loan Depot ( account No. XXXX ) for a property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX and despite repeated attempts by my insurance provider, XXXX XXXX, at XXXX XXXX, via phone ( XXXX ) and fax XXXX XXXX XXXX XXXX XXXX, this company is refusing to respond to paying for the impounded insurance in a timely manner. 

I have written to this organization and my husband has called the escrow company with whom we worked when we were refinancing the property with Loan Depot earlier this year and no one is responding. 

I have reservations about this company since when we were refinancing the property, they also sent us via e mail loan documents for an entirely different person. The phone number for XXXX XXXX is XXXX XXXX XXXX XXXX. Its address is XXXX XXXX XXXX XXXX New Hampshire XXXX Your help in getting this resolved would be greatly appreciated.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX XXXX does payday and installment loans under " Check n Go ''. Every time you borrow money from them they go into your credit report even if you pay on time or have never had any problems with them they will put a new inquiry on your credit report. For example I just recently borrowed money from them and my loan will become due in three weeks they put an inquiry on my credit report the same day. In fact they will not let you get a loan or refinance a small loan without going into your credit report. They do it every single time you get any money with them big or small. 

They are unethical and ruthless with their practices. Do not use they 're services you will regret it when you see how many times they will put an inquiry on your credit report.

Company response to consumer: Closed with explanation