vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: KS

Complaint narrative:
Loan Amount XXXX} Estimated Monthly Payment XXXX Loan Type XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PrimeLending Settlement Agent- XXXX XXXX XXXX XXXX I signed a waiver of marital interest on XX/XX/XXXX at XXXX XXXX XXXX XXXX for PrimeLending. 

A XXXX XXXX XXXX encouraged me to sign the IRS XXXX  Form because after the divorce, the buyer would lose the property to foreclosure anyways and that since I signed the waiver of marital interests it would n't affect me personally. 

XX/XX/XXXX, I called the Lender at PrimeLending to inform them that my name was electronically signed and my social security number was used without my permission on a IRS XXXXT Form on XX/XX/XXXX. The lender was extremely upset due to the amount of time spent for the loan approval which is when I informed the lender of a divorce that was in process. The Lender then told me that the deal would be dead due to the divorce because there would be a significant change in income and that child support and alimony would deny the approval. I contacted my attorney who then called the lender at PrimeLending to inform him that I would not be signing any for or the IRS XXXX Form. The IRS XXXX Form was sent for approval anyways, XX/XX/XXXX an email was delivered from the loan officer at PrimeLending stating the loan was approved. 

XXXX XXXX met with buyer on XX/XX/XXXX for closing. 

I have spoke with a mortgage fraud attorney. 

I do have text message and email evidence of this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 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: TN

Complaint narrative:
I took a starter loan out at XXXX XXXX XXXX of XXXX, Tn,XXXX this was around XX/XX/XXXX after getting the loan I fell on hard times and defaulted. Well after getting back on my feet i been trying to get my credit straight out. I received a letter from XXXX XXXX the beginning of XX/XX/XXXX offering me three options of paying off the loan I took the offer to pay them off as it was a small starter loan. So I payed them off on XX/XX/XXXX. I asked the manager when it would be off my credit and he said they reported monthly so around 2 months I said great. The other day trying to get a starter loan at another instutution they said they could n't cause I owed XXXX XXXX I said impossible I paid them off at the beginning of the year. I provided her my payoff receipt and got the loan but she advised me I was n't the only one that she seen World Finance do wrong she told me they reported on my credit report that I still owed them in XX/XX/XXXX But my receipt shows it being payed off in XX/XX/XXXX. I talk to XXXX XXXX XXXX of XXXX in person and they stated that I still owed them even though my receipt shows otherwise. The lady said since I took the payoff amount that it was n't paid in full but my receipt says otherwise.

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 2017-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit is inaccessible to the mortgage company. I did not freeze my credit.

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 2017-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: DE

Complaint narrative:
XXXX XXXX, 2017 I submitted information to the emails XXXXXXXXXXXX and XXXXXXXXXXXX at the company Procollect. They requested that I submit copies of my utility bills 3 years back proving that I did n't live at the stated address of the utility bills and a police report stating that identity theft had taken place. 

After complying with this request my account was escalated to a XXXX XXXX, who I was told would call me regarding the account. This never happened. I did however get some paperwork that stated that my accounts were now zeroed out. 

Eventually I signed up for a monitoring service and noticed there were still some issues with them. They somehow did n't connect the dots and realize that the other fraudulent account was related. 

I have since contacted XXXX XXXX at procollect and he has yet to contact me, I have not received any notice that the accounts were corrected and I have checked XXXX XXXX and I am still able to see the issue. No one else will speak to me at the company because my account has a special status and only XXXX XXXX is permitted to speak to me. 

Any assistance with this issue would be appreciated as it seems I have exhausted my own resources.

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 2017-10-02 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: GA

Complaint narrative:
Remove fraud alert. I did n't make it and I 'm not mailing you all that stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 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: GA

Complaint narrative:
Remove fraud alert. I did n't make it and I 'm not mailing you all that stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mountain West Financial, LLC
State: CA

Complaint narrative:
I am at the end of my 5 year term with having to pay PMI on my FHA mortgage and my servicer is telling me that I will have to pay for an appraisal to show the bank that my home is worth more than the $ XXXX I paid for it I do n't recall being told or signing anything when I bought the house that stated me paying for an appraisal would be required for the PMI to be removed. Please investigate the validity of this requirement from my servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Bank, XXXX abuses customers reports XXXX. I was flooded in XXXX XXXX and Wells Fargo is refusing to cash my insurance check and give me my proceeds. When I reported my loss to Wells Fargo and I was told I would get an insurance check with both my name and the Bank 's. I was to take the check to a local Wells Fargo XXXX and they would release the majority of the money to make it easier on me. Then I was given a website insuranceclaim.com/wellsfargo. I registered was asked for XXXX documents which I uploaded. The next time I tried to log in I was refused access. I had to call a special number ( XXXX tracking number XXXX ). 

Now I am told they want an additional XXXX pages of documentation which I can FAX OR MAIL. Who is running this bank... old men with flip phones? Then they told me I was to endorse the check and MAIL it to SOUTH CAROLINA. Then they would send me and my CONTRACTOR a check. If I still have a contractor when they get their act together. 

I have been assured they have not cashed the check and are letting it sit in a corporate escrow account earning interest for the BANK. I do n't believe it. Between here and Florida if there are even XXXX checks for an average of {$50000.00} that is some serious money. Of course they are holding it as long as possible. They have given me no time line as to when the funds will be released. In the meanwhile every day I sit doing nothing to the restoration of my home I am exponentially delayed in completing the project. I have waited XXXX week and I think that will cost me XXXX weeks in getting back into my home. 

They are so sorry I am upset and frustrated. And they spout the same procedural information over and over. I have posted on facebook and they did the same thing during XXXX XXXX. They have a corporate culture of using consumer as fodder for corporate profit and have no desire to do the right thing. 

They have a proven pattern of abuse and it needs to make the news.

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 2017-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
My credit is inaccessible to the mortgage company. I did not freeze my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Malcolm S. Gerald and Associates, Inc.
State: VA

Complaint narrative:
Malcolm S Gerald & Assocs. phoned me on multiple occasions most recently on XXXX XXXX, 2017 at XXXX XXXX. I was at work at the time. The person on the phone demanded that I pay XXXX dollars to settle a debt for magazine subscriptions. I told him I had no such debt, and I had not ordered any magazines. I asked him to send me evidence of this debt which he claimed to have already done. I have never received anything on paper of any such debt. This company is harassing me with repeated phone calls regarding this false debt. According to their website, their address is XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Phone : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX I applied for a XXXX XXXX account for a medical procedure, and was approved. On XX/XX/XXXX, I was completed the approval process for the procedure only to find out in the same day that my XXXX XXXX account was frozen pending a fraud investigation. I contacted the credit bureaus and was directed to TransUnion as the agency originating the problems. On XX/XX/XXXX, I contacted TransUnion, spoke with XXXX. She claimed that TransUnion received a dispute via mail on XX/XX/XXXX and without contacting me or notifying me, reported the account as fraud on the same day, resulting in it being closed/frozen. XXXX refused to allow me to stay with a supervisor or details regarding the dispute, such as who filed it or what it included. 

The credit reporting agencies should be required to provide documentation of disputed accounts, including copies of the original dispute. Before a dispute is finalized, the consumer should also be notified. 

Even worse, the credit report and information was sent to XXXX and sent back to the company ( aka XXXX XXXX ) started that it 's a " consumer dispute '' even though I never initiated the dispute. XXXX did not contact me regarding the dispute either. This should be illegal, claiming I filled a dispute when I did not.

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 2017-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I called social security helpdesk because I was blocked from creating an online account to check my social security file. The reason I WAS TOLD WAS BECAUSE Equifax put a block on my credit file without my permission. I have contacted equifax and ask them to remove the block. I am filing this complaint because it is critical that I get my credit file released immediately. I am planning to apply for credit this week and it is critical for me to get the block removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
i do n't know the actual dates of the reposition on my credit but im wanting to get that removed since ive never had a car of my own at the time it was established, i know that it was before i was XXXX and i found out about it after i tried to apply for a credit card, i got a letter saying i had a whole bunch of accounts and credit cards. my fathers stuff is on my account and i would want to get it removed since we have the same name and its effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: LA

Complaint narrative:
XXXX will still not add my bank, XXXX XXXX, or let me mail a check to them for deposit.

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 2017-10-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
For the record, sufficient bank account funds were available for every incident outlined in this consumer complaint. 

Bank records are available for review upon request. 

XXXX XXXX XXXX, XXXX is using the Fair Credit Reporting Act as a crutch/an out/scapegoat to justify their deceitful/deceptive business operations ( See attached " Exhibit D '' and XXXX : XXXX ) which include, but are not limited to, collusion, fraud, negligence and malicious intent against consumers of XXXX XXXX XXXX, XXXX 's products and services. 

1. I DID NOT and I NEVER cancelled my mortgage payment on XX/XX/XXXX ( see attached file/Exhibit A as well as the XXXX Payment Receipt and Confirmation electronic document attached ). XXXX XXXX XXXX, XXXX  PAYMENT SYSTEM ( S ) failed to properly process and apply my XX/XX/XXXX payment to my account and kicked it out of their system ( 1ST malicious incident in XX/XX/XXXX ). I received the attached BOGUS email ( attached file name " I NEVER Made A Request To Cancel My Automatic Payment -This Is Fraud and Malicious Intent ... '' ) stating a consumer act that NEVER TOOK PLACE. I resubmitted a payment on XX/XX/XXXX ( See attached file/Exhibit B ) after receiving the attached BOGUS email ( attached and titled " I NEVER Made A Request To Cancel My Automatic Payment -This Is Fraud and Malicious Intent ... '' ) from XXXX XXXX XXXX XXXX . 

2. On XX/XX/XXXX, XXXX XXXX XXXX, XXXX failed to process/apply my 2nd XX/XX/XXXX payment AGAIN on XX/XX/XXXX ( See attached file/Exhibit C ). This time they claimed that I entered the wrong number of digits. I entered the SAME NUMBER of digits that were used as always ( I.e. : See attached file/Exhibit B ) and XXXX XXXX XXXX XXXX PAYMENT SYSTEM ( S ) failed to process and apply my XX/XX/XXXX, payment/kicked it out of their system AGAIN ( 2ND malicious incident in XX/XX/XXXX ). 

3. XXXX XXXX XXXX, XXXX consistently misapplied my bi-weekly mortgage payments throughout the tenure of my loan ( see attached file/Exhibit E ). 

4. XXXX XXXX XXXX, XXXX sent me " refund '' /suspense payment checks totaling {$1500.00} ( ~ {$500.00} from escrow ) in XX/XX/XXXX that WERE NOT cancelled by XXXX XXXX XXXX, XXXX 's accounting department which SHOULD HAVE BEEN APPLIED to my mortgage account before my account was closed by XXXX XXXX XXXX XXXX . 

XXXX XXXX XXXX, XXXX needs to correct ALL of my, and the joint account holder 's, consumer credit reports TODAY/IMMEDIATELY.

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 2017-10-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Fein, Such, Kahn & Shepard, P.C.
State: NY

Complaint narrative:
In XX/XX/XXXX, Fein, Such and Crane, LLP began a Foreclosure on my property for XXXX. Records obtained from XXXX indicated that the loan was signed off on in XX/XX/XXXX. I believe that false documents are being used in court. I think that I am the victim of foreclosure fraud and robo-signing. Most court documents include sensitive information that has been blanked out. Fein, Such and Crane have been accused of committing foreclosure fraud and robo-signing documents. Fein, Such and Crane and XXXX have refused to validate my debt. Fein, Such and Crane, LLP has recently changed their name to XXXX 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 explanation
Consumer complaint received 2017-10-02 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I applied for a XXXX XXXX account for a medical procedure, and was approved. On XX/XX/XXXX, I was completed the approval process for the procedure only to find out in the same day that my XXXX XXXX account was frozen pending a fraud investigation. I contacted the credit bureaus and was directed to XXXX as the agency originating the problems. On XX/XX/XXXX, I contacted XXXX, spoke with XXXX. She claimed that XXXX received a dispute via mail on XX/XX/XXXX and without contacting me or notifying me, reported the account as fraud on the same day, resulting in it being closed/frozen. XXXX refused to allow me to stay with a supervisor or details regarding the dispute, such as who filed it or what it included. 

The credit reporting agencies should be required to provide documentation of disputed accounts, including copies of the original dispute. Before a dispute is finalized, the consumer should also be notified. 

Even worse, the credit report and information was sent to Experian and sent back to the company ( aka XXXX XXXX ) started that it 's a " consumer dispute '' even though I never initiated the dispute. Experian did not contact me regarding the dispute either. This should be illegal, claiming I filled a dispute when I did not.

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 2017-10-02 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: MO

Complaint narrative:
My ex husband was awarded my credit card debts in my divorce. Due to his negligence to pay the monthly fees, it has effected my credit report negatively and dropped my score significantly. He is the responsible individual for these, not me. He has not paid on these items since taking over the debts. I do not have the finances to cover these debts like he can do. I have tried to contact these companies and they have yet to remove me as the responsible party.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I contacted Regions on XX/XX/XXXX through the customer service line regarding a payment that will soon be withdrawing from my account. I notified the representative that I 'm worried about a payment that will hit the account soon and that it would overdraft the account. The Regions representative notified me that since the payment has n't hit the account yet, there would n't be any overdraft fees. She also notified me that if the payment does decide to hit the account, then all I have to do is make a deposit before the payment post. So late Friday XXXX XXXX, the payment for XXXX hit the account but did n't post yet. I had 4 pending transactions : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and chairs that were pending but the funds were already taken out of the account leaving me with {$45.00} in available funds. When the XXXX payment hit on the XXXX, it made the account become overdrawn and XXXX XXXX and XXXX to savings posted. So I went to the branch in XXXX and spoke with a representative named XXXX. She notified me that I should n't have been charged on my account and told me that I will have to contact customer service since her branch was n't the one that opened the account. So I contacted Customer service and they were able to credit back {$18.00}, but told me to contact my local branch in Alabama to get the rest of the funds refunded. When I contacted the XXXX Alabama branch on Monday XXXX XXXX, the representative did n't honor the agreement and told me that I was misinformed by all the other representatives that I spoke with. This is really upsetting when all the other representatives are on the same page, but the branch that opened my account is n't. Now I have an overdraft fee for {$72.00} on my account that should n't be there and I feel like I was lied too.

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 2017-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: LA

Complaint narrative:
Coinbase requires that I use a webcam to validate my account. I do n't own a webcam and the solutions they offered are inadequate.

Company response to consumer: Closed with explanation