vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-24 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IA

Complaint narrative:
Court ordered to refinance because of a divorce. My ex wifes history of late payments makes my ability to purchase a house impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: OLD REPUBLIC TITLE HOLDING COMPANY, INC
State: CA

Complaint narrative:
Dear XXXX XXXX, ( XXXX XXXX ) Hoping your doing well. 
I want to make sure that in all benevolent matters are resolved to provide me with clear title upon this request today. 

This was noted : None of the companies is the trustee or beneficiary of the deed of trust encumbering the above referenced property and none of the companies is servicing the loan secured by the deed of trust. XXXX XXXX XXXX XXXXl XXXX XXXX XXXX Now lets begin, please see the provided attachments for review, and 11 years now going through this..Well a whole lots of people are now aware of this. XXXX XXXX   XXXX As you maybe aware that a hard delete of the fraudulent deed of trust furnished with XXXX Grant Deed on Top left hand corner. Grant Deed was in XX/XX/XXXX. 
Closing Agent XXXX XXXX. Many have claimed under different loan numbers as well, there was never one void .... 
Much Gratitude, please provide your email to the email listed on this reply to my email thank you, with love and honor XXXX XXXX & California corp code as pertaining to corp lie in CA Corporation XXXX XXXX XXXX XXXX, XXXX. ( XXXX ) Number : XXXX Date Filed : XX/XX/XXXX Status suspended Jurisdiction : California Address XXXX XXXX XXXX XXXX, CA XXXX Agent for Service of Process XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
In 2017 I purchased Bitcoin and Ethereum in a digital Wallet through my XXXX Debit card.

I sold some and am unable to get it from the wallet back into my bank account. MY MONEY IS HOSTAGE. I have sent multiple pictures of my drivers license, copies of my bank statement, utility bill and tax statement. They still can not find a way to return my money to my bank account. I have an " open case ''. They answer the phone which is appreciated, but I am getting nowhere. It would be nice to have them send me a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MS

Complaint narrative:
I send XXXX dollars to buy a phone of a buy sell app called XXXX and as soon as I send the money I was blocked the person I send it to name was XXXX XXXX well that is what he said his email was XXXX he send pictures of the phone he wanted have up front and the other when I receive the phone he was supposed to mail after he got he the money today but have not heard from him since he has totally blocked me want answer please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
In XX/XX/XXXX and again in XX/XX/XXXX Portfolio Recovery called me at XXXX XXXX, call my work after I told them no, and said I would get sue for fraud if I didn't pay a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The US Postal Service errors on an individual Change of Address ( COE ) for one member at a household address by applying the COE to other member ( s ) of the same household address. The US Postal Service reports the erroneous change of address to a bank and/or credit card company, who changes their records for the erroneous person.
The bank ( XXXX XXXX ) then informs the Credit Reporting companies of the change of address of the erroneous person.

The bank also informs the Credit Reporting companies of the change of address of a second erroneous person. This second person is on the account with the first erroneous person but was not reported by the US Postal Service as having a change of address.

The Credit Reporting companies effect an erroneous change of address for two people.

There is a potential for ID theft!

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 2018-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The US Postal Service errors on an individual Change of Address ( COE ) for one member at a household address by applying the COE to other member ( s ) of the same household address.

The US Postal Service reports the erroneous change of address to a bank and/or credit card company, who changes their records for the erroneous person.

The bank ( XXXX XXXX ) then informs the Credit Reporting companies of the change of address of the erroneous person.

The bank also informs the Credit Reporting companies of the change of address of a second erroneous person. This second person is on the account with the first erroneous person but was not reported by the US Postal Service as having a change of address.

The Credit Reporting companies effect an erroneous change of address for two people.

There is a potential for ID theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 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: IA

Complaint narrative:
Court ordered to refinance because of a divorce. My ex wifes history of late payments makes my ability to purchase a house impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 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: IA

Complaint narrative:
Court ordered to refinance because of a divorce. My ex wifes history of late payments makes my ability to purchase a house impossible.

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 2018-02-24 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: AES/PHEAA
State: CA

Complaint narrative:
They have put a 90 day late payment on my credit report. I had no knowledge that the account needed too be paid. I thought it was in forbearance and I get a ding on my credit. Ive asked them many times if there was anything I could do too get the late payment off and they just keep telling me no. Ive never missed a payment besides that and I regularly pay on time and sometimes pay twice a month. Please help me get this off. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: CO

Complaint narrative:
XXXX XXXX I did not like there service..I live in the XXXX of Colorado often lost service and could not get the kind of programming I wanted without a heavy increase of fees. Also the rate kept changing and increasing on a monthly basis. So I cancelled they refuse my cancellation for a period of 60 days and charged me extra fees of service after I requested cancellation. I also returned there equipment and suffered a 6 month denial that I returned the equipment and they showed inaccurate account amount on my credit profile for at least a year. AFNI is there collection service currently reporting for XXXX XXXX. They started with an account for almost a year at {$800.00} then eventually after disputing this several times lowered it to {$300.00}. So nothing is accurate and nothing is consistent for they state the account was opened in XX/XX/XXXX but the account was open in XX/XX/XXXX. They have moved the open date a few times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
My father whom is XXXX, has an auto lease with Honda Financial Services that is coming to an end and wants to pay off the car to keep it. He was instructed in their XXXX that he can do the pay off at a Honda car dealership. The payoff amount is {$13000.00} which includes sales taxes and any possible fees. 
I arrived at the dealership in the middle of the transaction where they were charging the payoff amount of {$13000.00}, sales taxes of {$910.00} ( which is already in the payoff, ) dealer fee of {$790.00} and title registration of {$490.00} - for a car that already has a registration. Fortunately, we were able to stop the transaction. 
In addition to elderly abuse, this is clear deceptive, unfair and fraudulent practices of Honda Financial Services and their dealerships. I contacted their XXXX line and the representative mentioned that this is normal practice and the fees are " customary. '' The dealership is XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: IN

Complaint narrative:
My daughter XXXX XXXX & I XXXX XXXX jointly own a home at XXXX XXXX XXXX, XXXX IN XXXX. For about 5 years we have tried to refinance for a lower interest rate we get all of the dicuments & necessary paperwork needed to complete the transaction and Flagstar will block it every time. We have asked them to help us lower our rate but they refuse every time. We recently discovered that the bank is saying we owe them {$8600.00}. I have never received any notices about the missed payments they say we owe from XX/XX/2016 to XX/XX/2016. That is a total of 5 months at {$1500.00}. Attorney fees {$650.00} and court costs $ XXXX.I was not aware of this and we have requested a stsement each monthshowing a breakdown of payment, principle, interest, insurance, etc. they abaolutly refused. she even tried to open our account on the website of Flagstar to access our account to see her personal history, she was blocked from that also. What bank allows you to to do this. Im angry because Im responsible for this enormous amount of money they say we owe that I was never notified about. Im XXXX years old, lost my husband 5 years ago and my duaghter is a single mom of XXXX. Flagstar had no answer when I asked them why I was not notified about this. No mortgage company will help us because of their dishonesty. I have other documents that I can share with you. Please let us know.Thank you

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 2018-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Big Picture Loans, LLC
State: OR

Complaint narrative:
Beginning in XX/XX/XXXX, I started receiving letters from Big Picture Loans that I had borrowed {$1000.00} from them in XX/XX/XXXX and that now I owe them {$1900.00} ( Account # XXXX ). At first, I thought the letter was sent in error and ignored it. However, after receiving more letters they believe I owe them this money. I have never heard of this company and never borrowed any money from them and believe that either 1 ) there has been some type of identity theft or 2 ) that Big Picture is engaging in fraud. In reviewing my credit reports there are no hard credit inquiries from Big Picture Loans associated with my name. However, XXXX reported an unsolicited soft credit inquiry on  XX/XX/XXXX by Big Picture. It is for this reason, that I do not trust working with Big Picture with respect to providing them with any confidential personal information, since I believe they may be the source of this fraudulent activity. 

In trying to resolve this issue with BIg Picture they state that their process is to hold a three party call with the bank where the account they have on file is held, in order to verify the account owner and any credits/debits processed in this account. When I called them to initiate the process, they asked for my name and social security number. When I declined to provide my SSN #, they indicated that they could not move forward with the process. The other option I was provided was to fill out Indentity Theft Victim 's Complaint and Affadavit Form, take the form to the Local Police Department, and have it witnessed by a police officer. However, the form asks for confidential personal information, that again I am unwilling to provide, for the reason note above.

I am at an impasse as to how to resolve this issue since I do not trust the source of this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Attached to this complaint is all the evidence and records proving that Equifax is willfully negligently and recklessly reporting inaccurate data on my credit file and not conducting reasonable investigations causing me financial injury. They keep willfully reporting even after I provided them proof.

An investigation needs to be done regarding Equifaxs abusive and reckless method of verification process.

I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from Equifax, A copy of this dispute will be used as evidence if needed.

The following information is being reported inaccurately, falsely and unfairly by Equifax. 

XXXX XXXX XXXX # XXXX Equifax is causing me financial injury and negligent enablement of identity fraud. 

I am fearful to apply for new credit because of the anxiousness of thinking I will be denied resulting from Equifax 's inaccurate reporting. 

METHOD OF VERIFICATION I would like Equifax to provide me the name of the original creditor, the address and phone number of the original creditor, the person at Equifax who verified the dispute with XXXX XXXX XXXX at the time of the dispute request and the documentation that was used to verify the dispute at the time of the dispute request. If Equifax can not send me these simple items, then I demand the account be deleted. 

I do not consent to XXXX as a means of reasonable investigation for my credit disputes. I need proven documentation, i.e. signed contracts, and/or dated signed cashed checks to show accuracy of the verification of my particular dispute. 
Equifax must prove they conducted a reasonable investigation for them verifying it at the time of the dispute request. XXXX  can not hold in court as per the noted court cases. 

XXXX v XXXX XXXX v XXXX/Equifax XXXX v XXXX ( XXXX  ) The Equifax data breach has shown me that I need to stay on top of the credit bureaus compliance to all Federal Laws regarding my credit file. This XXXX model of verification must stop because of the many fraudulent accounts it may create for consumer credit reports! 

At this time, Equifax does not need to falsely verify this account again. The only acceptable thing they need to do now is to delete it immediately! 

I demand to see Equifax 's method of verification and the documents they relied upon to verify this account at the time of my dispute regarding this particular account as per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 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: NY

Complaint narrative:
Attached to this complaint is all the evidence and records proving that TransUnion is willfully negligently and recklessly reporting inaccurate data on my credit file and not conducting reasonable investigations causing me financial injury. They keep willfully reporting even after I provided them proof.

An investigation needs to be done regarding TransUnions abusive and reckless method of verification process.

I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from TransUnion, A copy of this dispute will be used as evidence if needed.

The following information is being reported inaccurately, falsely and unfairly by TransUnion. 

XXXX XXXX XXXX # XXXX TransUnion is causing me financial injury and negligent enablement of identity fraud. 

I am fearful to apply for new credit because of the anxiousness of thinking I will be denied resulting from TransUnion 's inaccurate reporting. 

METHOD OF VERIFICATION I would like TransUnion to provide me the name of the original creditor, the address and phone number of the original creditor, the person at TransUnion who verified the dispute with XXXX XXXX XXXX at the time of the dispute request and the documentation that was used to verify the dispute at the time of the dispute request. If TransUnion can not send me these simple items, then I demand the account be deleted. 

I do not consent to XXXX as a means of reasonable investigation for my credit disputes. I need proven documentation, i.e. signed contracts, and/or dated signed cashed checks to show accuracy of the verification of my particular dispute. 
TransUnion must prove they conducted a reasonable investigation for them verifying it at the time of the dispute request. XXXX can not hold in court as per the noted court cases. 

XXXX v TransUnion XXXX v XXXX XXXX v XXXX ( XXXX ) The XXXX data breach has shown me that I need to stay on top of the credit bureaus compliance to all Federal Laws regarding my credit file. This XXXX model of verification must stop because of the many fraudulent accounts it may create for consumer credit reports! 

At this time, TransUnion does not need to falsely verify this account again. The only acceptable thing they need to do now is to delete it immediately! 

I demand to see TransUnion 's method of verification and the documents they relied upon to verify this account at the time of my dispute regarding this particular account as per the FCRA.

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 2018-02-24 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: FL

Complaint narrative:
I attempted to access my free annual credit report with XXXX. It rejected my request saying I could not verify the account. I am concerned someone has stolen my identity and has put things on credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Premier Student Loan Center
State: CA

Complaint narrative:
This Company is a total Scam. They promised to consolidate student loans into a lower payment and charge a monthly fee. They make it seem as if the amount you are paying is going towards your student loans. In fact, they keep all of it and loans go into default.

Also, they use abusive and illegal telemarketing to sucker in customers. They call several times a day on my cell phone which is on the do not call list. All of those calls are violations of the TCPA. I have already reported them to the XXXX, the California attorney general and no one seems to care.

Company response to consumer: Closed with explanation