vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XXXX last year there were some hurricanes that affected several states including ours. We were contact by XXXX offering to provide a 90 day grace period on mortgages. We contacted the bank and took up the offer. We were told that prior to the 90 day period ending, we should contact the bank to make arrangements for payment. We went in to a local branch assuming that the payments would just be added to the end of the contract. NO - they wanted the three back payments at once. We are retired and on a fixed income and let them know that. The local office gave us a number to contact which we did. In the meantime, we got a letter threatening foreclosure on our XXXX XXXX property. We tried dealing with the Bank but were getting no where. We contacted your office and you sent our complaint to XXXX. There response in XX/XX/XXXX was to take our XXXX XXXX home off foreclosure and extend the 90 day grace period for another 90 days ( we don't have to pay until XX/XX/2018 ). WE DON'T NEED OR WANT THAT. We have been making our regular payments ON TIME since the first 90 day expired. However, what we have found out is that they have reported us to the credit bureaus as late on both my report and my husbands. According to the email that offered the grace period XXXX wasn't going to report this option as late. Also on our monthly bills, the amount that shows as due is the full 90 days PLUS the current month. We have no problem with making the current payment but there is no way to pay 3 months back payment.

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 2018-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
The reason for my dispute is because Ive been trying to dispute charges on my Chase Bank credit for {$2500.00} for charges paid to XXXX XXXX XXXX last XX/XX/2017. But I did not receive all the services that I purchased, I have tried to reach the merchant to get my money back, but I havent been able to reach them. I need your help getting my money. I paid them to create Social Media websites such as XXXX, XXXX, XXXX etc.., Coaching once a week and a Commercial Video. 
I answered a telemarketing call ; the sales representative used high pressured sales tactics and persuade me into thinking that it was crucial that I connect my online business website with the social media sites and by doing so it would connect links to my site and generate a great deal of business. He said it was key to achieving a successful online business. 

XXXX XXXX XXXX XXXX. misrepresented themselves and I now realize that this is yet again another scam and I was seriously taken advantage of by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I thought the issue was on it's way to a resolution when I received from Ditech, a Mortgage Assistance Application. After getting what was needed to send out with said application, it was sent out. Yesterday a lady came by my home and stated she was a representative for XXXX XXXX. From what I can remember, the first mortgage note was through XXXX XXXX ; later I received notice that the mortgage note had been sold or bought to/by Green Tree. Later, I received notice that the note had been sought, sold or transferred over to Ditech. Since then any letters received have been under Ditech. To have that visit from the lady yesterday, bothered, confused and frightened me, because I believed I was dealing exclusively with Ditech and the name XXXX XXXX has never been mentioned in any manner. I informed the lady that my dealings have been solely with Ditech for many years then and to the present. 

Any information you can give me would be greatly appreciated. As mentioned, it was disconcerting to now have something new come up. Thank you for your assistance. 

XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Scott Fetzer Financial Group Inc.
State: SC

Complaint narrative:
Recently filed a claim with CFPB in reguards to this same account. This account Was is fradulent and does not belong to me. I sent the theft packet and required documents back after receiving it and it havent heard anything back until i noticed this account was reporting back on my credit report at the beginning at XX/XX/XXXX. This account was previously removed from my credit report. I am in the process of purchasing a home and this is hindering me from being a homeowner. As stated before this account is fradulent and i shouldnt be punished for something that does not belong to me. Attached is a copy of my police 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 non-monetary relief
Consumer complaint received 2018-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I utilized coinbase to purchase crypto currency in the process I was charged the legitimate amount but then charged again the same amount. I paid a total of {$850.00} and the company withdrew {$1700.00} from my account resulting in me having to transfer money right away last minute. I am now left unable to pay for upcoming bills that are due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Transworld Systems has called me repeatedly attempting to collect a questionable medical debt from a provider dating back to XX/XX/2014. Recently, they began calling my daughter on her cell phone attempting to collect the debt. 
I have never received any documentation establishing the validity of the debt from either the provider or Transworld. I contacted Transworld today and spoke to an agent, XXXX XXXX, demanding that Transworld immediately cease and desist from calling my daughter or any other family member, and requesting detailed documentation that established the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: ND

Complaint narrative:
I have been the victim of Identity Theft twice in the past two years. I am an XXXX XXXX XXXX XXXX, semi-retired, currently living ( temporarily ) in XXXX, but with close ties and citizenship in the United States. 

My credit record has always been flawless and I have never missed a payment on anything! However, my FICO score today is only XXXX. It had always been very high before this sudden string of identity theft incidents, all occurring within the United States.. 

I reported the problem to Experian, and after two months of continuous communication, they sent me very positive results. However, they left the addresses and some traces of the fraudulent actions in my record. It also appears that they have not reported this problem to other agencies, as I believe they are supposed to do. Perhaps that is the reason why my FICO score remains so low today. 

I appreciate any help you may offer. Thank you in advance. 

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 2018-02-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit
State: CA

Complaint narrative:
XX/XX/XXXX I was contacted via telephone by XXXX XXXX, Lease Retention Manager/Client Loyalty from XXXX XXXX located at, XXXX XXXX XXXX. XXXX, CA XXXX. XXXX XXXX detailed a special offer for a " Loyalty Programme '' being offered by XXXX. The offer was followed up with an email confirming my VIN number qualified and asked me to come into the dealership to see my options on a new XXXX. 
XX/XX/XXXX I stopped by to hear more about the offer and to have my XXXX XXXX inspected. The offer to trade in my XXXX XXXX, as is, for a XXXX model was confirmed. I returned to the dealership Saturday XX/XX/XXXX to select a new vehicle for lease and return my XXXX model which was once again inspected by XXXX and confirmed the vehicle qualified for the Loyalty Programme, no additional fees were due. The transaction was completed that day. I requested something in writing stating the transaction was complete and no payment due other than my down payment for the new vehicle of $ XXXX. 
Early XX/XX/XXXX I received a invoice from XXXX XXXX XXXX titled " Turn-In Settlement Invoice '' $ XXXX. I contacted XXXX XXXX via email however as of today, no reply. I then filed a complaint with the XXXX. XXXX XXXX, General Manager of XXXX XXXX responded with a basic form letter. His excuse was/is not acceptable therefore my complaint with XXXX is unresolved. XXXX XXXX later contacted me via telephone and left a message stating he would like to clear up this misunderstanding. I replied via SMS as I wanted any correspondence in writing. He replied suggesting this was a misunderstanding on my part. No further correspondence with XXXX XXXX sense XX/XX/XXXX when XXXX XXXX told me I misunderstood the invoice of $ XXXX. XXXX XXXX XXXX has continued to send me the invoice that I have not paid. The consumer should not be made responsible for unethical business practices. XXXX is a huge corporation, the consumer is one person who is forever being bullied....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-15 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One WAS reflecting a 30 day late on my report from XX/XX/2012 with all 3 CRA 's. 
It was disputed and removed from XXXX and XXXX  but it remains on XXXX. 
if the 30 day late has been removed from 2 of the 3 credit reporting agencies why has it not been removed from the 3rd ( XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: CO

Complaint narrative:
What is this complaint about? 
When applying for a car loan the credit report from XXXX/Equifax is drastically less from my consumer pull than what the dealer came up with. My scores have been hovering at the same number for about a year. I additionally have different averages for the age of my accounts. My paid off debts to not show for some reason either. Lastly, when I tried to get insurance it seems my public record was mixed up with wrong person, however I have no insight into this issue now. 

What type of problem are you having? 
Inability to get public information or the reasons behind my credit score being low. IE : Through my requests it shows as XXXX but through a pull from someone else the score shows as ranges XXXX to XXXX. Not able to get insurance for new car. Not able to figure out what issues are happening for my records. 

What happened? 
I attempted to purchase a car out of necessity and had to co-sign with someone else because of the issues with my credit and possible identity. 

What company is this complaint about? 
Equifax, XXXX, and XXXX. 

Who are the people involved? 
XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio recovery. Calls once a week for the past year. I do not owe them anything. They call from a different number every time they are XXXX and many lawsuits have been filed against them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bread Financial Holdings, Inc.
State: AE

Complaint narrative:
On XX/XX/XXXX, I was notified by Paypal Credit Customer Service my account was in collection and was sent to XXXX XXXX XXXX ( Contact # : XXXX ). This was the first time I was notified I was overdue. I have not received any notifications from either Paypal Credit or the Collection Agency ( XXXX XXXX XXXX ). I immediately contacted the Collection Agency to figure out how this happened. 

History : On or about XX/XX/XXXX, I purchased some items from XXXX XXXX XXXX. This line of credit was through PayPal. On or about that same year, XX/XX/XXXX, XXXX closed the XXXX XXXX XXXX website requiring XXXX XXXX XXXX Credit Customers to link their PayPal accounts. I linked my accounts, as required and requested by the website. Additionally, I verified it was done by trying to re-register, but it gave me an error stating my account had already been linked. In addition to my XXXX XXXX XXXX I have a Paypal Credit Account. The registration should have linked my overall PayPal account, but I am unable to see my XXXX XXXX XXXX account status ( website is shut down ) or unable to see a balance on my Paypal Account. 

PayPal Customer Service/Collections stated they sent email messages and mail to my home address listed. I always monitor my account information and update the address as needed. PayPal Collections stated their process is to send out email notifications first, followed by letters to the address on file and as a last resort calling the phone number listed. 

I was not afforded my due process to respond to a debt prior to collection. Furthermore, since the systems were not linked, I was unable to see a remaining balance due. My account has been overdue for over 400 days yet nothing reflects on my credit report. How can a consumer be charged late fees and interest on a balance he or she is unaware they owe due to a poor notification and system miscommunication/technical issues? 

Over the 400 day period, my balance went from {$170.00} balance owed to {$360.00}. The difference in balance can be attributed to late fees and interest charges. I do not dispute I owe a balance of {$170.00}. I made those purchases and do not dispute the charges. The remaining {$190.00} ( interest and late fees ) is a gross overcharge and should be reflected as a bad credit card practice when the consumer has no knowledge a balance is due. As a consumer, I should have protection and provided due process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
My mortgage went delinquent for a short period of time because I temporarily lost my job. However, once I got a new employment, I sent a check to my Lender in order to have become current again but the Lender rejected my check.

I then applied for my first loan modification which was way back in 2008. Since that time. I have been played by that Lender. I took 11 years for the Lender to deny me that loan modification that I am well qualified to receive as per the Federal guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
My Complaint has been on-going and not resolved with the Mortgage, first with XXXX XXXX, and then XXXX sold the home, and now SPS Inc, is the Servicing the Mortgage. 
The latest information/nonsense sent to me from SPS Inc., involves a letter from them to me dated : XX/XX/XXXX. I had asked SPS Inc., to provide me with the Appraisal done by XXXX XXXX in XX/XX/XXXX. SPS Inc., had another Appraisal done on XX/XX/XXXX, using homes in the same area in very poor condition, in order to bring down the price of the Appraisal, from what had been previously done in XX/XX/XXXX. 

SPS Inc., is aware that the remaining Loan Balance is is lower than the Appraised Value of the XX/XX/XXXX Appraisal, therefore SPS Inc., will owe me the difference, and they are attempting to low ball me, in order to avoid, paying me the balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Resurgent Capital Services L.P.
State: DC

Complaint narrative:
reply : i received an e-mail from XXXX an advertise on sale we have an men 18 '' ct gold ring for sale for a {$30.00} dwn pmt so i gave it a thought so i said o.k. also with 8 diamonds it looked so real so i took the ring to have it tested by a jewler and it was a fake piece of metal with gold coating on it so my next stept was to advise customer services about my service? it was a charge from my credit card whitch i never received in return so at this point i'am fileing a dispute fraud charge thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
My pay was garnished by Gurstel law firm on behalf of XXXX XXXX for the full amount of money I owed on a debt from XX/XX/2012. I was out on XXXX during the garnishment period and this money was paid from my XXXX XXXX  XXXX benefits. While I am relieved to complete payments on a debt I rightfully owe, the original creditor is still reporting my account as unpaid on my credit reports. 

I have tried contacting the bank customer service with no success. I also disputed the account with the credit bureaus but they are verifying the debt as accurate. I did not receive a garnishment release although they stopped taking my pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I oppened a Coinbase account on XX/XX/XXXX with {$1000.00}.

Then I activated my XXXX   account through them and transferred {$2100.00} and then on XX/XX/XXXX {$250.00}.

I made some purchases and sales of ETH and BTC On XX/XX/XXXX I purchased {$640.00} worth of Bictoin for a total of XXXX BTC ( Priced at {$6400.00} ) and left around {$1000.00} USD available to trade ; However, on XX/XX/XXXX my account was restricted, I contacted XXXX on XX/XX/XXXX and I received a message that my issue was being escalated, on XX/XX/XXXX I was asked to submit my ID again, which I successfully did, but still did not work, on XX/XX/XXXX I got an email that the issue was still being escalated with an specialist but still nothing, it has been more than 2 months with my account restricted and my funds not released.

I am glad I have printed history transactions to back up my transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: CORELOGIC INC
State: CA

Complaint narrative:
I am a Fraud Victim and someone stole my Identity many years ago. I never signed any documents nor have I spoke to anybody from XXXX XXXX and nor did I give them permission to touch my credit report. I am demanding Justice be done and they clear my name from any wrong doings of requesting a LOAN. I have not given XXXX XXXX   OR CREDCO Permission verbally or electronically or written permission to touch my credit or request a loan. I demand they contact all three credit agencies and remove this credit pull from my account. I also want a letter of deletion sent to me for proof of records If this is not done within the 30 day time frame I will contact a lawyer for damages for pulling my credit and damaging my credit. 

Thank You, 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 2018-02-15 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: CO

Complaint narrative:
What is this complaint about?

When applying for a car loan the credit report from Experian/XXXX is drastically less from my consumer pull than what the dealer came up with. My scores have been hovering at the same number for about a year. I additionally have different averages for the age of my accounts. My paid off debts to not show for some reason either. Lastly, when I tried to get insurance it seems my public record was mixed up with wrong person, however I have no insight into this issue now.

What type of problem are you having?

Inability to get public information or the reasons behind my credit score being low. IE : Through my requests it shows as XXXX but through a pull from someone else the score shows as ranges XXXX  to XXXX. Not able to get insurance for new car. Not able to figure out what issues are happening for my records.

What happened?

I attempted to purchase a car out of necessity and had to co-sign with someone else because of the issues with my credit and possible identity.

What company is this complaint about?

XXXX, Experian, and XXXX.

Who are the people involved?

Myself, 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