vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-09 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: FL

Complaint narrative:
On XXXX/XXXX/XXXX I received a copy of my credit file and found that there was incorrect information reporting on my Trans Union file. 

XXXX # XXXX {$85.00} I contacted this creditor by telephone on XXXX XXXX XXXX who confirmed to me that the above mentioned account and its balance reporting on my credit file as being verified by Trans Union Credit Bureau was unknown to them. Furthermore, I have been advised by the creditor to dispute the entry with the credit bureau and the creditor will respond as such. 

In XXXX I had previously informed the bureau that this account was unknown, the reply I received from Trans Union was that this account was verified which is contradicting the statement received from the creditor. 
The creditor does not agree with this credit reporting bureau I request assistance by the CFPB in the closure of this dispute by disclosing the FULL validation of this account.

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 2018-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Adjustment Bureau of Mid-America, Inc.
State: IL

Complaint narrative:
XXXX XXXX, 2018 Talked to supervisor at Professional Adjustment Bureau of Mid-America Inc. who continued to threaten legal action if 10% of debt was not paid immediately. ($XXXX total) I have continued open communication to make notes in the account and arrangements to knock down the total debt until tax returns could pay off balance in full. I made a $XXXX initially and then another $XXXX before XXXX. When I called to make a large substantial payment today (X/X/2018), the associates continued to threaten legal action if I could not come up with 10% ($XXXX) of the money and continue to make $XXXX auto withdraw each month after. I am tired of being mistreated and disrespected, with condescending remarks and being talked down to in a threatening manner. Collections can play by a different set of rules, but not outside the bounds of the law. They prey on the weak and vulnerable using dirty collection business tactics. You can not threaten legal action and use that threat to extort money in order to keep a case or account in your office so credit score and legalities are not effected. You can clearly hear the evidence in the recording of the conversation I have provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AUDIT SYSTEMS,INC
State: PA

Complaint narrative:
It is called audit systems and I told them to stop calling and harassing me. I already took care of it with the doctor but they refuse to give up and wo n't stop calling

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX SHOWING AS OPEN ACCOUNT AND PAST DUE AMOUNT ON CREDIT REPORT. ACCOUNT WAS DISCHARGED IN BANKRUPTCY AND CLOSED. PROPERTY HAS SINCE BEEN SOLD AND NO LONGER IN MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Financial Services, Inc.
State: TN

Complaint narrative:
On XXXX XXXX 2017 I have sent a letter to XXXX XXXX XXXX. The company is reporting an address per this debt on my credit report that is not correct and does not enable them to verify or validate this debt. The letter was sent to XXXX XXXX XXXX XXXX XXXX XXXX Tennessee XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I was locked out of my Coinbase.com account on XX/XX/XXXX, with a very high dollar balance in the account due to losing my Authenticator. I called the company and was told incorrect information, I called again and was told to wait. My account was setup years ago, so there is a generic company name on the account. However the only way to unlock the account is to show an ID, obviously my companies name is not mine and does n't show on my ID. I have provided proof that I am who I say I am. They have told me to stop emailing them and every time I e-mail I am forced to wait longer. The account is still attached to my cell phone, and I know the password, I even am logging in from the same IP address. They told me they would assign this to a specialist two weeks ago, still nothing, and I can not inquire about the status because if so I am " penalized '' and sent to the back of the queue. The company has taken no actions to assist in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I was in bankruptcy for 5 or 6 years trying to get a modification. Our lawyer tried several times to get a modification. Wells Fargo sold our loan to XXXX which evolved to XXXX . 
XXXX, who is a collection agency, for 50 years or more. This agreement was supposed to be my modification. I do not think it is right to be treated this way. I would prefer to be with Wells Fargo than a collection agency. While in bankruptcy Well Fargo made a lot of money off of me through the court. They charge me money to pay someone to drive by my home and take pictures.

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 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Coinbase will not let me transfer any of the currency I have purchased ( I own BTC, LTC, BCH, and  ETH ) through its platform anywhere -- not to other exchanges, not even to my own private wallet. I have tried to transfer each currency multiple times and each time Coinbase refuses the transfer saying that I need to upload an ID document before it can allow a transfer. Coinbase has already verified my identity sufficiently to allow me to purchase currency -- they even raised my purchase limit twice, first to {$2500.00}, then to {$10000.00}. But they wo n't let me access those funds, effectively freezing the funds I have deposited without explaining why or giving me any way to proceed. 

The problem is that I have uploaded my valid, Texas drivers license many times now ( each time using clear photos that conform to Coinbase 's guidelines ) and each time it is rejected without a reason approximately 12 hours later. Each time rejection comes with the error message : Failed : unknown response status. There is no guidance on the website explaining what this message means or how to remedy whatever problem is causing the rejection. Coinbase 's customer service consists of a chat bot, a recorded message, and an email account that does not respond to messages. I have repeatedly tried to contact the company through these avenues with no success. 

Coinbase encouraged me to deposit more funds with them but I would not have done so if I had known that they would be effectively frozen and inaccessible. If I had known about this issue I would never have used their service. They have rejected with no explanation every effort that I have made to fix this issue. The company offers no way to remedy the problem, as their customer service is illusory at best. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
I previously had an account with this company that showed on my credit report incorrectly for over 6 months. After many complaints they finally removed it.I refinanced in XX/XX/XXXX and this has not been reported on my credit report until XX/XX/XXXX. Prior to this reporting they ran my credit twice and it adversely effected my credit score.I sent them a letter in XX/XX/XXXX regarding the lowered credit score.Though the date reported is XX/XX/XXXX I did not see it on my credit report until XX/XX/XXXX.I made a $XXXX payment that cleared my bank on XX/XX/XXXX and a $XXXX payment that cleared my bank on XX/XX/XXXXTo date I have paid over $600.00.If they cannot report in a timely manner, report accurately and keep the account updated with payments made to reflect an accurate balance they do not need to be reporting to any agency.

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 2018-01-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: AZ

Complaint narrative:
After I opened the account in XXXX, I relocated to XXXX where they DO NOT have a payment in this state. I relayed my concerns and difficulty to the main office but they were not able to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-09 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: FL

Complaint narrative:
Following the receipt of my credit report late last year from the XXXX, XXXX and TransUnion consumer reporting agencies, I learned of an adverse account from XXXX/XXXX. Said account reported to all three credit reporting agencies under account number XXXX, with a customer number of XXXX. 


I never had an account with XXXX. Disputes with the credit reporting agencies were for naught as XXXX/XXXX merely confirmed the accounts. I complained to XXXX - in writing - and even completed two separate fraud affidavits received by this creditor. I also filed individual complaints with the credit reporting agencies. They were all ignored with an explanation that the account was not misused. 


Once again - I never maintained an account with XXXX/XXXX. This company ignored my concerns despite evidence of identity theft, a return of the required affidavits, and the existence of a fraud alert on my XXXX, XXXX and TransUnion consumer credit profiles. 

I now file my complaint to the CFPB seeking relief.

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 2018-01-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Following the receipt of my credit report late last year from the XXXX, Experian and XXXX  consumer reporting agencies, I learned of an adverse account from XXXX/XXXX. Said account reported to all three credit reporting agencies under account number XXXX, with a customer number of XXXX. 


I never had an account with XXXX. Disputes with the credit reporting agencies were for naught as XXXX/XXXX merely confirmed the accounts. I complained to XXXX - in writing - and even completed two separate fraud affidavits received by this creditor. I also filed individual complaints with the credit reporting agencies. They were all ignored with an explanation that the account was not misused. 


Once again - I never maintained an account with XXXX/XXXX. This company ignored my concerns despite evidence of identity theft, a return of the required affidavits, and the existence of a fraud alert on my XXXX, Experian and XXXX consumer credit profiles. 

I now file my complaint to the CFPB seeking relief.

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 2018-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Hello, I 'm the cardholder for this account. I have been double billed and also told by the credit card company to keep only card pay current and and I have been paying on the other yet I 'm still being charged more than {$50.00} in fees. I have tried several times to attempt these add have been constantly put off by the company. 
I must be given 45 days notice of rate, fee and finance charge increases. I was not given any notice my rate would change. 
Double-cycle billing is banned, which eliminates interest charges on debt you pay on time. As you can see by my documents I have been doubled billed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: AES/PHEAA
State: FL

Complaint narrative:
Following the receipt of my credit report late last year from the XXXX, XXXX and XXXX consumer reporting agencies, I learned of an two separate adverse accounts from XXXX XXXX XXXX and the U.S. Department of Education. Said accounts reported to all three credit reporting agencies under account numbers XXXX and XXXX - exact same account, reporting as two separate creditors.I never had two separate student loans.  Disputes with the credit reporting agencies were for naught as both XXXX XXXX XXXX and the U.S. Department of Education merely confirmed the accounts.  I complained to the creditors about the duplicate reporting - in writing - and even completed disputes with the credit reporting agencies.  They were also ignored with no explanation whatsoever.   Once again - I never maintained two separate student loan accounts.  This companies ignored my concerns despite evidence to the contrary and complaints to the XXXX, XXXX and XXXX consumer credit reporting agencies.  My FICO credit scores have been severely impacted as these separate accounts report as collection entries.   I now file my complaint to the CFPB seeking relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX, XXXX - deposit $ XXXXUSD from personal bank into coinbase XX/XX/XXXX - receive email ( my email is XXXX ) that money will be deposited into coinbase account within 2-4 days XX/XX/XXXX - $ XXXXUSD withdrawn from personal bank XX/XX/XXXX - still no trace of money - transaction status states " pending ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I was a victim of an identity theft ring who broke into my storage unit in 2015. Shortly after they created multiple shadow identities and secured a loan through XXXX XXXX. When I checked my credit after a notice of charge off I immediately researched and they had a copy of my ID and all my information from files stolen in that unit.They leased an apartment in my name and opened multiple credit cards. I have been attempting to resolve this collection filing complaints with all three credit bureaus and filing two police reports. There has been no cooperation from Exeter at all on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I use Western Union money orders to pay my rent. Several months ago, my landlord took me to court saying I owed him rent and I traced the money orders. When I got the copies back, I saw that they had been altered ( the name they were made out to and the signatory had both been changed ). I notified Western Union and they forwarded requests to the banks that cashed them to credit the money back to me. These were obvious forgeries. Information on the money orders was missing, probably because they had been bleached. The bank should have known looking at them they it should not cash them.

Western Union notified me that it will not order the affidavit of forgery because the money order is more than a year old. But I had no way of knowing that the money order had been stolen and cashed before the landlord sued me and gave me a rent breakdown. Even in the court papers, the landlord listed the wrong months as being owed. I do not think the time period for claiming fraud starts running until you learn about the fraud. I contacted Western Union less than a year after I found out the money orders had been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I have a hard inquiry and my credit report from XXXX XXXX XXXX XXXX XXXX and I did not apply for credit with that company. I have disputed it with XXXX and they did not take it off of my credit report. I also was referred to call XXXX XXXX XXXX by XXXX and they referred me to the XXXX XXXX XXXX in XXXX Florida, and I spoke to a man that told me that a mortgage loan was applied for with an online credit application and that they were going to keep it on my credit report until it 's time limit had expired. I know that it is no big deal, and did not lower my credit score very much ... but it is just the idea of it being on my credit and I am just helpless at having it removed. I have other hard inquiries on my credit report that I am not disputing, but I am disputing this one because it is not mine, and I am being stuck with it on my credit report ... so I only feel that it is fair for them to remove it ... .My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Fl. phone XXXX ... email XXXXXXXXXXXX ... S.S.No. XXXX ... .thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VT

Complaint narrative:
Ocwen is claiming my property tax is {$4200.00}. I asked them were they came up with that amount and all they could tell me was " a web site ''. My taxes are {$2900.00} and I provided them with the actual tax bill from my town office. They " investigated '' it and two weeks later basically said I was wrong and they were right. This has caused my yearly escrow with taxes and insurance to go from {$4200.00} to {$6100.00}. They are collecting an additional {$1800.00} a year from me without any explanation as to where it is going. 

I have tried several times to work this out with them but they wont budge. They call me and when I answer the phone no one is there. Then the next day I get a email stating they called me but I wont respond. I have called them but only have been allowed to leave messages. 

Any help would be great, I 'm a single parent and cant afford the higher monthly payment that seems to go nowhere.

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 2018-01-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LoanCare, LLC
State: NC

Complaint narrative:
I submitted my paperwork for a Loss Mitigation/Loan Modification with Loancare ( my new mortgage company ) on XX/XX/XXXX. My request was that my mortgage amount should be lowered so that I could afford to make monthly payments. 

Although I had submitted every single document they requested, they continued to delay taking a final decision. I made numerous phone calls to their Customer Service department, even spoke with supervisors in the Loss Mitigation department in in XX/XX/XXXX. I wrote down the names of those supervisors and customer service staff. All of the Loancare staff assured me that I will NOT be reported to the credit bureau for late payment, since they were still processing my Loss Mitigation request. In fact, an under writer was reviewing my completed file. In early XXXX, I was informed that my paperwork had been transferred to an under-writer, for me to expect a phone call, email and letter about my request anytime before XX/XX/XXXX. XXXX XXXX and another supervisor confirmed that I 'll get a final answer by XX/XX/XXXX about my request for loan modification/loss mitigation. 

I was shocked to learn that in early XX/XX/XXXX, Loancare had reported me to all three Credit Bureaus for being 180 days late in my mortgage payment. 
My Credit is ruined and I 'm unable to get a loan to buy a new home for my family. 

Loancare reported me to the credit bureau for non-payment while the mortgage company was still processing my request for Loss Mitigation.

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