vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
Ive been always paying my mortgage on time. In XX/XX/XXXX, for some reason, the mortgage company didnt receive my payment on time. The payment was a check from my bank account which was mailed to the Mortgage Company by XXXX XXXX. The mortgage company mailed me a Delinquent Notice. When I called them, they said that they did not receive the check. The manager who I was talking to her on the phone, suggested me to put a stop payment on that check and she charged my debit card over the phone for XX/XX/XXXX payment. I did that. She also charged me a late fee. I told her it was not my fault that the check was lost. But she charged me late fee anyway. 
Since then, they keep sending me letters and calling me for being behind on my payment. They keep charging me late fees. They are threatening me to report the late payment to the credit companies. Ive been on the phone with the mortgage company almost every week since XX/XX/XXXX. I emailed them a copy of my bank statements showing that the money came out of my bank account and was sent to the mortgage company every month. I also emailed them a copy of the confirmations showing that they received the money every month. But I couldnt fix the problem. I talked to and emailed the supporting documents to several managers but every time, there is a new person and he/she has no record of my previous emails and conversations. I have to send the supporting documents again and again. 
I also contacted XXXX XXXX and I called the mortgage company from XXXX XXXX branch. A banker and I talked to a manager at Loan Care and the banker told her that I made my payments every month. But she didnt listen. I filed a complaint with XXXX XXXX. XXXX XXXX mailed me the Transaction ID # for 2 of my payments. They said the third Transaction ID # is from a different department and they will mail it to me. I am waiting to receive the third Transaction ID # from XXXX XXXX in the mail. I dont know what else to do?

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 2018-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
I have called Capital Accounts on several occasions to inform them that the amount they have on my credit report is wrong, I asked them 3 times to retrieve the original bill, I spoke with XXXX once and XXXX 2 times. XXXX stated he would send the original bill to me via of email. I never received it I obtained the bill thru my insurance company. so once again I called Capital Accounts to make arrangements to pay he said he could adjust the amount to XXXX, what I actually owe. But when I received the email it still had the enormous amount of XXXX. I have the email and the original bill from my Insurance company stating what I actually owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
We disputed this charge with our credit card company ( Barclay ) to XXXX XXXX XXXX.  We signed up for this service while on vacation and after returning and investigating the company we found that it was Fraudulent inducement and under the direction of our attorney were told to not make any payments, dispute the charge, and cancel the card. We have received absolutely NO goods or services from this company. None. We disputed the charge but Barclay denied our dispute despite the fact that we have no goods or services received. Now it is showing up on our credit report and we have always had scores of XXXX and above until this hit our credit. We have never been late on a payment of any kind for any loan.

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 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XX/XX/XXXX I was a victim of a hard pull on my credit by a company called XXXX XXXX which I have no account nor affiliation with. I wasnt aware of the fact that Id have my credit reported to this company. 
Again XX/XX/XXXX I was a victim of a hard pull by the same company with no recollection of consent to run my credit report. 
XX/XX/XXXX I was a victim of another hard pull from Navy Federal. In which case I do not recall giving any permission for them to run my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: NY

Complaint narrative:
I paid my account off with XXXX XXXX XXXX and have never missed a payment. I paid them off on XX/XX/XXXX, and I made all credit bureaus aware of this once I noticed that this information was being reported incorrectly. I was dismayed to find out this information hasn't been reported correctly and even after providing proof to all credit bureaus of this they have failed to update this information even after being notified XX/XX/XXXX. Please assist.

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 2018-04-05 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: MIDCOUNTRY FINANCIAL CORP
State: TX

Complaint narrative:
On XX/XX/XXXX my XXXX XXXX XXXX account was paid in full over {$4100.00}. It was never reported correctly to the three credit bureaus. I have filed disputes with all 3. On XX/XX/XXXX, the account was updated but with the wrong information. XXXX reported 180+ days late payment history and the past due amount was {$2900.00} still due. The account can not be 180+ days late in XXXX if the account was paid in full XX/XX/XXXX. I am having a very difficult time getting the credit bureaus to update account and remove inaccurate report of late payment and past due amount reported in XXXX for an account paid in full in XXXX. Neither the account balance nor the late payment or past due amount reported is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I paid my account off with XXXX XXXX XXXX and have never missed a payment. I paid them off on XX/XX/XXXX, and I made all credit bureaus aware of this once I noticed that this information was being reported incorrectly. I was dismayed to find out this information hasn't been reported correctly and even after providing proof to all credit bureaus of this they have failed to update this information even after being notified XX/XX/XXXX. Please assist.

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 2018-04-05 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: NY

Complaint narrative:
I paid my account off with XXXX XXXX XXXX and have never missed a payment. I paid them off on XX/XX/XXXX, and I made all credit bureaus aware of this once I noticed that this information was being reported incorrectly. I was dismayed to find out this information hasn't been reported correctly and even after providing proof to all credit bureaus of this they have failed to update this information even after being notified XX/XX/XXXX. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2018 I would like to file FORMAL COMPLAINT AND GRIEVANCE against XXXX XXXX and " XXXX '' at the Bank of America branch XXXX, located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 

He is unquestionably the RUDEST and most obvious arrogant, & evil person in the banking industry and should be terminated immediately!! 

( I usually bank in Florida. ) While visiting family in XXXX XXXX, I went to this branch to make a {$2000.00} cash deposit. I waited in line. He said they would only accept an ATM or drivers license. I didn't have those with me but had my passport. Then XXXX was taking a very long time with an drive thru customer. I was the next customer and asked XXXX to help me ( as he was waiting on customers ). He refused to help me, didn't allow XXXX to help me, and refused to accept my cash deposit. At minimum, he should be seriously reprimanded!! I request a REPLY and action to be taken. 


I have been a customer with Bank of America since it was XXXX XXXX. My family has huge amounts of money at BoA. We can easily move to one or more of the innumerable much more professional banks!! 


The behavior of XXXX XXXX ( and his subservient XXXX who refused time accept my deposit unless XXXX said it was Okay, was positively despicable and deplorable!!!

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 2018-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I can no longer log in to my XXXX account or wallets. I contacted customer support in every way and was told " we dont know why and we dont know when someone will be available to help you with your issue. It's been about 3 months and I still can't login, and have been given no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.

Complaint narrative:
Hey, My credit card have been double charged for a transaction with Coinbase and I've still not been reimbursed. I've tried to get in touch with the company, but they have only let me talk to a robot, or sent me automated emails. 

Date of transaction : XX/XX/2017 Both transaction charged an identical amount of XXXX XXXX XXXX  The first transaction was consensual and I got what I paid for. 
However, the second was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been trying for 3 months to get an accurate credit score from equifax and they keep sending me in circles and will not allow me to monitor my credit. I have paid XXXX 3 times through equifax to say they cant pull it and XXXX 3 times through XXXX 3 credit monitoring and still is unable to get it. Also I tried to use XXXX XXXX which also wont update. This is Frustrating I am trying to repair my credit and buy a house and they are holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
Yes my computer was hack and some private information was stolen as well as I was black mailed into transferring money. I am embarrass about it but here all the information i can provide. It was on Western union Pick up code for the item is XXXX XXXX XXXX XXXX Name : XXXX First name : XXXX Country : XXXX XXXX Postal code : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GreenSky, LLC
State: TX

Complaint narrative:
I placed an order with XXXX XXXX XXXX in XX/XX/XXXX for plantation shutters that were supposed to deliver and install on XX/XX/XXXX. XXXX XXXX installer came in XX/XX/XXXX to install the shutters half way through the installation I noticed they were they wrong color and they were damaged so I stopped the install. As of today XX/XX/XXXX, I have requested XXXX XXXX XXXX to pick up their shutters as I no longer want to do business with them as no one has returned my calls in a over a week and it is now XXXX and my issue has not been resolved. I filed a dispute with Greensky regarding payment and not receiving the correct product which was damaged and not installed. Greensky said that they are closing my case as they had an email from XXXX XXXX XXXX stating that they would make good on my purchase which has not happened. As of today XX/XX/XXXX, XXXX XXXX XXXX has not returned my calls or emails in over a week. I told Greensky I would reopen my case as XXXX XXXX XXXX has not responded to me. I was told " NO I am not '' When speaking with Greensky they were rude and did not care that I had not received my product and are holding me accountable for this loan. I had never spoken to Greensky about my loan until I filed a complaint. They never confirmed anything with me. I feel this company is strong arming me into paying them for product they know I have not received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
XX/XX/XXXX-went to M & T bank with check for {$9500.00} to deposit $ % XXXX to checking and {$9000.00} payment to home equity line of credit.I received receipts for each transaction. 

XX/XX/XXXX-no money showed in either account ; reported it to bank XX/XX/XXXX- {$500.00} showed in checking ; nothing in home equity several more visits XX/XX/XXXX-bank calls central services again ; say they've figured where the money is ; will take another 3-5 days to credit account. With my vocal complaining they'll try to expedite in 2-3 days. 

This means ~2 weeks to credit my account for the {$9000.00}! This is far too long. It was their computer malfunction that was responsible. 
I have my documentation/

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 2018-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
My Loan was being serviced by XXXX XXXX XXXX from XX/XX/XXXX up until XX/XX/XXXX. My Loan matures XX/XX/XXXX After I made my XXXX payment, I notice on my account on-line that 1.My escrow  had decreased and 2. There were some additional charges to my loan. I called XXXX and talked to customer service and address the issues with my loan. I was told that they had paid my my personal property tax out of my escrow early on XX/XX/XXXX. 
I then began to discuss the extra XXXX in fees that were on my loan. She said that she couldn't tell me why I was being charged Legal Fees Due XXXX Other Fees Due XXXX and Late Fees Due XXXX. I told her I did not incur XXXX in late fees on this loan. I also told her my loan had never been modified or ever been in no foreclosure. She then stated that I would have to talk to somebody in another department. So on XX/XX/XXXX I received a call from Fay Servicing telling me that they were taking over the loan with 2 payments left. So I started addressing the same issues with him. He said they had just got the loan from XXXX and he could could only tell me that my principal balance was XXXX. I just wan na know why am I being charged these bogus charges. What Attorney charged us XXXX, Why am I being charged XXXX for other charges, and statements showing XXXX in late fees for this loan. 
Finally I find it kind of hard to believe that Fay servicing sent this same loan over to XXXX with over XXXX of bogus interest and principal balance that I disputed XXXX of XXXX which was adjusted. And now with 2 months left on same loan its back in the hands of Fay Servicing. Fay Servicing had all ready serviced this loan from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: SC

Complaint narrative:
I am an authorized party on the mortgage for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Their mortgage loan was with XXXX XXXX until XX/XX/XXXX. Prior to that date, XXXX XXXX approved a loan modification for XXXX and XXXX after they had made 3 required mortgage payments. XXXX XXXX sent the Loan Modification papers which are dated XX/XX/XXXX and then sold the servicing of the loan to Specialized Loan Servicing ( SLS ). 

I have called SLS on five separate occasions to talk to them about the incorrect information they have in their system for XXXX and XXXX 's loan. The claim they have no record of me being authorized on the loan even though I faxed them the authorization along with power of attorney for both XXXX and XXXX, and the modification documents. After they stated they never received the fax, I emailed the documents. They claim they still don't have them and will not contact XXXX XXXX to obtain the authorization. I have confirmation of receipt for both the fax and the email. 

Today when I called again to speak with someone and was told for the fifth time that I was not authorized I asked to speak with a supervisor. XXXX, the woman I spoke with said a supervisor would not be able to help me either. I told her I wanted to speak with a supervisor anyway. She transferred me to someone's voicemail. 

SLS is violating the terms of the modification that was approved by XXXX XXXX and also violating XXXX and XXXX 's authorization to allow me to handle their financial obligations. 

They are sending statements which have incorrect payment amounts and are also sending statements that XXXX and XXXX are past due, which is incorrect according to documentation received from XXXX XXXX prior to the transfer of the loan. 

The SLS loan number is XXXX The XXXX XXXX loan number is 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 2018-04-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MidAmerica Mortgage Inc
State: GA

Complaint narrative:
I am requesting a short sale on my property ( XXXX XXXX XXXX XXXX XXXX MD XXXX ) and it has been under contract since XX/XX/XXXX. Mid America Mortgage/XXXX XXXX reviewed the file including the current offer on XX/XX/XXXX and marked the file as complete yet they have not made a decision as of XX/XX/XXXX. We have followed up with them daily to request them to expedite their review but to no avail. The buyers are getting weary of their lengthy process and is threatening already to terminate. Can you please assist in making XXXX XXXX escalate this file so we can have a speedy resolution?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: TX

Complaint narrative:
On XX/XX/XXXX, my XXXX XXXX XXXX account was paid in full over {$4100.00}. It was never reported correctly to the three credit bureaus. I have filed disputes with all 3. On XX/XX/XXXX, the account was updated but with the wrong information. XXXX reported 180+ days late payment history and the past due amount was {$2900.00} still due. The account can not be 180+ days late in XX/XX/XXXX if the account was paid in full XX/XX/XXXX. I am having a very difficult time getting the credit bureaus to update account and remove inaccurate report of late payment and past due amount reported in XX/XX/XXXX for an account paid in full in XX/XX/XXXX. Neither the account balance nor the late payment or past due amount reported is accurate.

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 2018-04-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, my XXXX XXXX XXXX account was paid in full over {$4100.00}. It was never reported correctly to the three credit bureaus. I have filed disputes with all 3. On XX/XX/XXXX, the account was updated but with the wrong information. XXXX reported 180+ days late payment history and the past due amount was {$2900.00} still due. The account can not be 180+ days late in XX/XX/XXXX if the account was paid in full XX/XX/XXXX. I am having a very difficult time getting the credit bureaus to update account and remove inaccurate report of late payment and past due amount reported in XX/XX/XXXX for an account paid in full in XX/XX/XXXX. Neither the account balance nor the late payment or past due amount reported is accurate.

Company response to consumer: Closed with explanation