vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
Owned property located at XXXX XXXX XXXX XXXX, XXXX WA XXXX. XXXX XXXX was also a register co-owner register with XXXX XXXX WA. 
XXXX XXXX had a XXXX Attorney Chapter XXXX, this was my only debt. I had my pay garnished for two years, they made the payments and took more, when all of a sudden they dismissed the Chapter XXXX. 
XXXX XXXX started to make mortgage payments, all. UNFORTUNATELY the company, OCWEN Financial placed in a separate account, unknown reason. Regardless we hired another attorney, Florida Attorney, XXXX XXXX, charging us {$1500.00} for four month in a row. 
Finding all of this too much to deal with and getting no protection from anyone, we decided to make a move back to our family in XXXX XXXX, we purchased another home and moved out of the XXXX XXXX. We were contact prior to move by a neighbor who had a friend who dealt with real estate. We asked this person to deal with the house. 
We received a notification from OCWEN that the house mortgage was paid in full, and thanking me for my payment. WE KNEW NOTHING ABOUT A SELL, COULD NOT REACH OUT TO ANYONE for information. Now we find out that the house is FOR SALE at {$400000.00} which is its true value, We want to know what or when do we receive the monies outstanding due to us above our mortgage. 
There is something shady out here and we need to know information., We appreciate your time and consideration regarding this matter. We have never received any NOTICE, letters from OCWEN, and any CREDIT ding for late payments. We have emails from the Mortgage holder as late as XXXX stating all is fine. They went paperless but that does not STOP THE FORMAL PROCESS OF ANY FORCLOSURE, we have never received any notification and our location is noticed with the XXXX and others. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have been working with Ocwen to get a loan modification was recently denied because they stated that they do not allow loan modifications while in active bankruptcy. I informed Ocwen that I was no longer in an active bankruptcy and the bankruptcy was discharged. I supplied them with all the documents and they still continued to deny me for the same reason. Now, they have decided to place a sale date on my account set for XX/XX/17. I dont want to lose my home and would like to continue working to get through a loan modification. I definitely do not want to lose my home. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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:
My wife and I sent investigation requests to the credit bureaus in early XXXX. We have yet to receive our deserved responses.

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 2017-09-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My wife and I sent investigation requests to the credit bureaus in early XXXX. We have yet to receive our deserved responses.

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 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Dear CFPB, I am writing you today because while reviewing my Equifax credit report ( Confirmation # XXXX ), I noticed several unauthorized inquiries being listed by Equifax XXXX. XXXX XXXX XXXX, GA XXXX, ( XXXX ) XXXX. 

The following inquiries have not been authorized by me and should not be listed on my credit report : XXXX ) XXXX XXXX ON XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX ) XXXX XXXX ON XXXX/XXXX/XXXX XXXX ) XXXX XXXX ON XXXX/XXXX/XXXX I have attempted to resolve this issue with Equifax, all to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
In XXXX I opened an account with XXXX, both to manage my personal XXXX holdings and to support a XXXX related business I was building. I was able to open and use a merchant account, and used the Coinbase XXXX to process XXXX subscription payments for my business. 

In XXXX of XXXX my business had grown a great deal, and I had a number of recurring subscriptions to my service set up through Coinbase. In order to stay compliant with all the rules regarding identity, I updated the address information on my account, as I had moved from one state to another. This update triggered an automatic review of my account that has not been completed to this day ( XXXX XXXX XXXX ). This review process suspends all activity performed via the XXXX ; that is, all of my subscriptions were now unable to be processed, and new customers were unable to start subscriptions. 

I requested support from Coinbase, but this ticket has never been responded to. The net result of this long delay is all of my monthly customer subscriptions through Coinbase have expired and can not be renewed ; reducing the revenue stream of my fledgling business, causing confusion among my customers, generating additional support load for my business, and requiring development time to move to another XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
To whom this may concern : Im filing this complaint because NationStar/Mr Cooper is once again, trying to fraudulently foreclose on my owner occupied property.! They promise to resolve this problem before! They said they would take 30days to give a FAIR REVIEW..! Instead we got a Unfair 3-5 day Denial, when they could clearly see that we should have gotten a modification that was affordable.. They can also see that we have the income for it, but they would just rather take our home anyway Instead! They have on their RECORD SO MANY FALSE AND FOUNDED CHARGES.. To make us so guilty and unworthy, It should be crime! If I did not feel that I am right about this Whole situation, I would Honestly and Proudly walk away and leave it all alone.!!! But I can not just give up on being DONE WRONG..! This is all a simple fix, stop stonewalling us put us back on track of the terms of our XX/XX/2012 modification.. 
Allow us too get at least Two years of clean mortgage history and we Refinance out. 
drop all of those other charges put us back at the AMOUNT WE REALLY OWE $ XXXX. 
AND WE MOVE ON WITH OUR LIFE.!! No more court issues of pointing fingers back and forth at each other..!! And Most of All put all of my XXXX THOUGHTS AND ANGUISH, OVER HOW MY FAMILY HAVE TREATED!!!!! OVER THIS ENTIRE SITUATION YOU GUYS HAVE PUT ME THRU ...!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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: TIDEWATER FINANCE COMPANY, INC.
State: CA

Complaint narrative:
I received an alert from XXXX on XXXX XXXX, XXXX that XXXX XXXX XXXX has reported that I now owed them {$17000.00}. I was confused. I quickly contacted XXXX XXXX XXXX customer service and ask them what is the current amount I owe on the loan. The customer service rep advise that I only owe {$2500.00}. I told her that they had reported to XXXX that I owed $ XXXX. She was well there is nothing we can do about that you will need to file a complaint. I was like that does't make sense there is no other department that I can talk to about the error. She said no. She told me to file a complaint. So that is what I am doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
once again XXXX has not or refused to understand that my id was stolen months ago and they would not do anything about it I filled and called the police about it. this bank refuses to do anything. I told them that XXXX the store that has the card with this bank told us at a store in XXXX Indiana that someone stole it. we had our house robbed and they stole my id. we done everything right had are with XXXX XXXX XXXX  because of what happened I have not gotten a bill from XXXX bank at all about the account. they told XXXX XXXX XXXX that they could not find any of the accounts. they know we have been with them because they talked to them about other accounts and was going to the XXXX department. that they would get in touch with XXXX XXXX XXXX. there for it will be looked after. XXXX XXXX XXXX who I talk to a XXXX and a XXXX from XXXX bank said there was no other accounts under the XXXX store that she thought maybe they went to the XXXXXXXX department at the bank .there foe she told them and I that there was no way of tracking it down. 
then today XXXX/XXXX/XXXX I get this from protfolo recovery associates llc. XXXX bank never sent us or XXXX XXXX XXXX that they turned it over how could they if the girl could not find it. they new 19 months what was going on. now this it was sold to them last month on XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-22 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: FL

Complaint narrative:
I have tried since XX/XX/XXXX for the bank XXXX XXXX to delete the mortgage that my ex has from the credit report. This was a second home that we purchased in XX/XX/XXXX as a vacation home. This is not my ex main house. He always have lived in another home. We purchased this with XXXX XXXX in XX/XX/XXXX. I  have never signed any papers with XXXX XXXX and when the mortgage has defaulted several times I have attempted for XXXX XXXX to take me off the property since the judge when I got divorced gave this property to my ex and it is stated in my divorce papers that I am not responsible for this place as of XX/XX/XXXX. Divorce papers filed at the court house in XXXX XXXX XXXX ( case # XXXX ). Now in XX/XX/XXXX my ex did a modification of this mortgage and without my knowledge or consent XXXX XXXX did the modification putting my name as married to XXXX XXXX. In XX/XX/XXXXXXXX XXXX was already married to somebody else not me and I am married to somebody else also and I am not responsible for this property per court papers. I have tried for several years for XXXX XXXX to removed me completely without any luck. XXXX , XXXX owes me {$50000.00} alimony from the divorced date until I got remarried, so I have a lien in this property for that amount. Also is showing in my credit report that I am living in all these places where XXXX XXXX live and I do not know who is reporting that if it is XXXX XXXX since it is the only thing that unfortunately still being attached to me after 15 years divorced. XXXX XXXX says that I will need to find a lawyer if I want this resolved. I had a lawyer and went to court and this should have been taken care of since XX/XX/XXXX.Attached I am also including all the addresses of all the places that the consumer report has me living.

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 2017-09-22 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: FL

Complaint narrative:
I have tried since XXXX for the bank XXXX XXXX to delete the mortgage that my ex has from the credit report. This was a second home that we purchased in XXXX as a vacation home. This is not my ex main house. He always have lived in another home. We purchased this with XXXX XXXX in XXXX. I have never signed any papers with XXXX XXXX and when the mortgage has defaulted several times I have attempted for XXXX XXXX to take me off the property since the judge when I got divorced gave this property to my ex and it is stated in my divorce papers that I am not responsible for this place as of XXXX XXXX. Divorce papers filed at the court house in XXXX XXXX XXXX XXXX case # XXXX XXXX. Now in XXXX my ex did a modification of this mortgage and without my knowledge or consent XXXX XXXX did the modification putting my name as married to XXXX XXXX. In XXXX XXXX XXXX was already married to somebody else not me and I am married to somebody else also and I am not responsible for this property per court papers. I have tried for several years for XXXX XXXX to removed me completely without any luck. XXXX XXXX XXXX owes me {$50000.00} alimony from the divorced date until I got remarried, so I have a lien in this property for that amount. Also is showing in my credit report that I am living in all these places where XXXX XXXX live and I do not know who is reporting that if it is XXXX XXXX since it is the only thing that unfortunately still being attached to me after 15 years divorced. XXXX XXXX says that I will need to find a lawyer if I want this resolved. I had a lawyer and went to court and this should have been taken care of since XXXX I am also including all the addresses of all the places that the consumer report has me living.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-22 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I TRIED TO get my report from free anual credit report website I only got XXXX Report. Equifax and XXXX kept saying there was an error try again later. Called Equifax and was on hold for over XXXX minutes and transferred to a recording to dispute a charge on my report but I DONT have my report! Called XXXX  was on hold for more than XXXX minutes! They say it will take XXXX weeks to process it and XXXX weeks for delivery!! That is not acceptable! I could loose alot if someone else is using my information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-22 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: NY

Complaint narrative:
To freeze credit we are required to file a request with the 3 major companies. XXXX accepted my request. XXXX  accepted my request. Several attempts with Equifax on line and on the phone have been aborted by someone other than me after I have submitted information including SS #. The interaction is accepted for maybe two minutes and in the middle of the transaction I get message on the phone or on line saying " sorry we can not handle this transaction. '' I want Equifax to freeze my credit. I want them to recommend the safest way for me to accomplish this. If it is by mail then I need to hear that they are on top of things by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MA

Complaint narrative:
Today I learned from XXXX XXXX that because my student loans were consolidated in 2010 that any payments prior to that date are not eligible for the Public Service Loan Forgiveness program. I was not informed, at the time of consolidation, that my eligible payments from XX/XX/XXXX2010 would be eliminated from my PSLF history, and I would be starting from scratch. The customer service rep I spoke to confirmed that " the impact to PSLF is not mentioned as part of the consolidation process '' and it was n't in the fine-print ( which I did in fact read ). They are clearly trying to avoid forgiving loans to those of us who are committed to public service, and that 's reprehensible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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: EQUIFAX, INC.
State: KY

Complaint narrative:
Equifax failed to protect my data and the data of millions of others around the world. The one consolation for all was supposed to be a free TrustedId membership. I want to inquire as to why the technical issues with that site have not been fixed, and what the expected timeframe is for maintenance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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: CA

Complaint narrative:
I received an alert from XXXX on XXXX XXXX, XXXX that XXXX XXXX XXXX has reported that I now owed them {$17000.00}. I was confused. I quickly contacted XXXX XXXX XXXX customer service and ask them what is the current amount I owe on the loan. The customer service rep advise that I only owe {$2500.00}. I told her that they had reported to Experian that I owed $ XXXX. She was well there is nothing we can do about that you will need to file a complaint. I was like that does't make sense there is no other department that I can talk to about the error. She said no. She told me to file a complaint. So that is what I am doing.

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 2017-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I applied for a Chase XXXX credit card in XXXX XXXX because I received an offer from XXXX. My application got declined with the reason " previous unsatisfactory relationship with this bank ''. Chase closed all my credit card accounts in XXXX and never give me a particular reason for that. I contacted the Chase again and the associate could not give me any specific reason for rejecting my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XXXX/XXXX/17, I attempted to verify the status of a security freeze I have with TransUnion. I made 3 attempts to reach the Fraud Department, after the main customer service line told me I had to inquire through them. There is no option to check the status of an existing freeze without speaking with an agent. Each time I entered my case file number, I was either transferred to a line with a busy signal, or put on hold for about 5 minutes, then told by a recording to call back again later. 

I just want CFPB to know that TransUnion does not seem to have the capacity to be dealing with customers effectively who call on the phone. It was especially unnerving not to be able to get through to an agent in the Fraud department.
Subsequently, I have been able to go to freeze.transunion.com and find my freeze status there. This is a different website than I was given at the time I instituted the freeze. The other website still comes up, transunion.com/XXXX, but even after logging in, that website tells you it ca n't complete any action you try because of increased activity due to the XXXX hack.

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 2017-09-22 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: FL

Complaint narrative:
On XXXX/XXXX/XXXX I submitted a request with Equifax.com to freeze my credit account. After submitting the pertinent information, I received a response " We 're sorry ... .we can not process your online request concerning an Equifax security freeze. To assist us in processing your request, please submit in writing the required items outlined below : Complete name, complete address, Social Security number and date of birth. '' to Equifax Information Services, XXXX XXXX XXXX, XXXX, GA XXXX. 

XXXX*I AM NOT GOING TO SUBMIT THIS PERSONAL INFORMATION VIA MAIL IN AN ENVELOPE ADDRESS TO EQUIFAX XXXX!!!!!! 

After calling the automated Equifax Automated Information Request Line at XXXX, prompt # 3 Security Freeze and providing my state, social security number and numeric portion of my current address as requested, I have learned that my Equifax credit account is in fact FROZEN. I never received a 10-digit Personal Identification Number ( PIN ) for future reference to temporarily or permanently unfreeze my account in the future because at the time of my on line application/request, I was informed that my online request to freeze my credit account was unable to be processed at the time. 

I 've tried several different avenues of communicating my concern and frustration attempting to get instruction on how to proceed with handling this matter, and most of all, how I can gain access to and recover my 10 digital personal identification number ( PIN ). I 've called 10+ automated phone numbers i.e. Equifax Freeze Response Hotlines,  FTC Consumer Response Hotlines, and Consumer Financial Protection Bureau to get assistance with no avail to finding a solution to this problem.

Company response to consumer: Closed with explanation