vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I have a home mortgage with my escrow included to contain my real estate taxes and insurance paid out of it. They paid my first installment of my taxes, but didn't pay the last 3 installments. I received a letter from my tax agency regarding this about 3 weeks ago stating that if I didn't pay the last 3 installments they could auction my taxes off. I contacted my loaner ( US Bank ) of this within 24 hours. They said they would take care of it and pay any penalties. That was approximately 3 weeks ago. I called the tax people today and there is no payment submitted. I called US Bank today and they basically said it was still open and they hadn't done anything. They said they had so many it is taking awhile to process. I am worried this could hurt my good crediting rating and also have my taxes sold to another property. I have not missed one payment since I have them automatically take out of my bank account. I don't know what to do but get an attorney at this point. Tomorrow I will e-mail them a formal letter with the tax bill. Also I will file a complaint with HOPE. I pay over XXXX a year for my real estate taxes and have plenty in escrow for them to pay the XXXX they owe the state of Illinois. Also this messes up my real estate taxes for the state of Illinois, since it only shows me paying XX/XX/XXXX of the taxes I can itemized. Don't 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 monetary relief
Consumer complaint received 2018-01-31 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: SC

Complaint narrative:
I recently started monitor my credit using XXXX XXXX.This is when I noticed multiple credit inquiries that I didn't apply for. I have disputed them with XXXX and the companies several times. And they both refuse to remove them from my credit reports. And wouldn't send me proof that verify I did the inquiries. I didn't do theses inquiries. The inquiries are from the following companies : XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SC XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
I receive a notice from XXXX XXXX XXXX Stating that I owe a debt for XXXX XXXX Nevada for {$580.00}. I immediately sent them a I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it.This company has reported this collection account to XXXX   XXXX and XXXX XXXX that stated I owe them in the amount of XXXX.. I have received a return mail letter stating this account is valid. However they did NOT send adequate information that needed to validate this debt. I asked for the original contract with my sign date and signature. They just sent me a bill. I sent them 2nd demand letter requesting the same information. They sent me a letter that states these exact word. 

Dear XXXX XXXX Cavalry is in receipt of the letter of dispute made pursuant to the Fair Credit Reporting Act ( " FCRA '' on the above referenced account. 

In acknowledgement of the dispute, we have requested that consume reporting agencies report the account as disputed. 

We have reviewed the dispute and find the dispute lacking in any specific facts or information which would allow us to conduct an investigation. Because the dispute alleges no specific information to form the basis for an investigation, we are unable to investigate the dispute pursuant to the FCRA. 

Please provide us the specific information that is being disputed and an explanation of the basis of the dispute. 

If you have any question please contact us at XXXX from XXXX Eastern time Monday through Friday. 

Well I have call and sent certified letter and gave them all information that they request and they keep sending me this same letter. Never addressing that this is not my account. I never had a XXXX account and I want this remove..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/2018 Good Morning, this letter is in regards to my accounts that are paid off. I would like this information to be updated on all of my credit reports. All account should state paid in full with a positive history of payment. Please see attached proof of payment and positive payment history. 

The correct information is with XXXX -- -- Paid in full XXXX -- -Paid in full XXXX -- -Paid in full Thanks XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX  XXXX, Hurricane Harvey hit the XXXX area and flooded my home. I was not able to get in contact JP Morgan Chase since I lost everything. During the month of XXXX, I was able to start contacting creditors including JP Chase. Thats when they notified me that account was now close and will not be able to open up. The customer service rep notify me that there was nothing to be done and it will sent to collect. " saying i don't care if you were hit with a hurricane, you owe chase money! '' I still tried talk to several customer service reps and the same answer. Please do something.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: Opportunity Financial, LLC
State: IL

Complaint narrative:
I was notified back XX/XX/2017 that XXXX XXXX was fraudulently opened in my name and reporting to my credit reports. I am a victim of Identity Theft and immediately put a fraud dispute in with a copy of my identity theft police report with all 3 credit bureaus '. XXXX is the only bureau that has yet to remove XXXX XXXX from my credit report due to fraud. According to XXXX, XXXX XXXX is verifying an account with my name, address, DOB and last 4 of SS. That is all information that could be used when one is a victim of Identity Theft. XXXX XXXX has been notified that this account is due to fraud and was never authorized by me to be opened. XXXX XXXX has failed to provide a contract with my SIGNED signature showing proof that I am the one that authorized this account to be opened. I have an open BBB complaint against XXXX  and against XXXX XXXX. I have also filed a CFPB complaint against XXXX. I have sent another copy of my Identity Theft police report certified mail to XXXX XXXX along with a 609 letter. XXXX XXXX is inaccurately reporting a fraudulent account to my credit file & because of this inaccurate information, I have been denied credit for a home as well as other credit that I'm trying to obtain. This account needs to be removed from my XXXX report immediately due to me not authorizing the account to ever be opened and it was done as a result of me being a victim of Identity Theft. XXXX XXXX is providing verification to XXXX   that an account does exist using my name, address and DOB. However anyone can easily access that information on the internet and or phonebook. By law to validate this debt is actually mine, XXXX XXXX needs to provide an original contract with a signed signature by me. For the last 6 months, XXXX XXXX hasn't been able to provide an original contract with my SIGNED signature, therefore XXXX XXXX   is in violation of FCRA section 609 ( a ) ( 1 ) ( A ). XXXX XXXX needs to immediately remove this fraudulent account from my XXXX credit report or I will pursue all legal matters if necessary to enforce my rights under the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase sold my bitcoin and didn't give me the proceeds. 
Coinbase 's records show for XX/XX/XXXX, a sale of XXXX bitcoin for {$49000.00} using my XXXX XXXX account. The transaction is marked as " completed '', but as of XX/XX/XXXX no funds have arrived at XXXX. Reference code XXXX. 
( Screenshot XX/XX/XXXX at XXXX.XXXX  ) .-.-.-. 

Previous sales of bitcoin resulted in successful transfers of funds to that same XXXX account on XX/XX/XXXX, XXXX, and XXXX, so a failure of the ACH transfer process is implausible. 
.-.-.-. 
My attempts to recover the missing {$49000.00} : .-.-.-. 
XX/XX/XXXX : I inquire through Coinbase 's online support system about the missing {$49000.00}. The case is assigned Case ID XXXX. 
( Screenshot XX/XX/XXXX at XXXX ) .-.-.-. 
XX/XX/XXXX : Coinbase email tells me someone is " working with a specialist '' to address the problem. 
.-.-.-. 
XX/XX/XXXX : I ask by email when I might expect to hear from Coinbase. 
.-.-.-. 
XX/XX/XXXX : I phone Coinbase 's support number, but can not get any concrete information about schedule. 
.-.-.-. 

Previous history that might be relevant : XXXX. 
A previous mixup on Coinbase 's part might have contributed to the present problem : .-.-.-. 
XX/XX/XXXX : I sell XXXX bitcoin from my Coinbase account, which should result in a deposit of {$49000.00} into my XXXX account. No money arrives. 
( Screenshot XX/XX/XXXX at XXXX ) .-.-.-. 
XX/XX/XXXX : Coinbase notifies me by email that " this transaction [ ... ] was canceled by your bank '', and restores the XXXX to my Coinbase account. I visit my bank, where energetic inquiries can not find any evidence that a deposit was attempted. Alarmingly, the email is phrased in a way that suggests that Coinbase thought I was purchasing, not selling, the XXXX bitcoin. 
.-.-.-. 
XX/XX/XXXX : I email Coinbase to point out, emphatically, the possibility that they had mixed up buying and selling. 
Case # XXXX. 
( Screenshot XX/XX/XXXX at XXXX ) .-.-.-. 
XX/XX/XXXX : I start moving bitcoin from Coinbase to a different bitcoin exchange, XXXX. My first tentative transfer is at XXXX PST. When I attempt to transfer the rest of my bitcoin, at XXXX PST, I notice that about 3 bitcoin are missing, and that a transaction has been recorded for the sale of XXXX bitcoin and the deposit of {$49000.00} to my XXXX account. This is the deposit that was never made. 

( ( Hey, CFPB webmaster : this would be much more readable if you gave us some formatting ability. ) )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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 have had XXXX XXXX stored in my account at Coinbase for several years. On XX/XX/2017, I submitted a " sell '' order on Coinbase for the full amount, asking Coinbase to transfer proceeds to my XXXX XXXX checking account that is linked. Coinbase confirmed the sale would generate {$170.00}, and that they would deposit that amount net their {$2.00} fee ( total {$170.00} ) into my checking account by XX/XX/2017. However, the money never arrived. I submitted an inquiry immediately and never heard back. I submitted another inquiry and heard back two weeks ago that they are investigating and would get back to me, but they have yet to do so. There are many complaints online that they have had issues with missing money transfers and no response to inquiries, and apparently only a CFPB complaint gets them to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: IL

Complaint narrative:
Applied for PSLF and was denied. No credits even though I made 10 years of payments. I am just finding out my payments did not qualify yet I was not informed about that when I started.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: PA

Complaint narrative:
XX/XX/2018 Good Morning, this letter is in regards to my accounts that are paid off. I would like this information to be updated on all of my credit reports. All account should state paid in full with a positive history of payment. Please see attached proof of payment and positive payment history. 

The correct information is with XXXX -- -- Paid in full XXXX -- -Paid in full XXXX -- -Paid in full Thanks 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 2018-01-31 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: PA

Complaint narrative:
XX/XX/2018 Good Morning, this letter is in regards to my accounts that are paid off. I would like this information to be updated on all of my credit reports. All account should state paid in full with a positive history of payment. Please see attached proof of payment and positive payment history. 

The correct information is with XXXX -- -- Paid in full XXXX -- -Paid in full XXXX -- -Paid in full Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: PA

Complaint narrative:
Good Morning, this letter is regards to and issues with my personal information. I have tried on several accoucation to fix m y personal information with ojt any success. 
The personal address and no other address on my credit report should be as stated blow. 

XXXX XXXX -- -- -- -- -- -Only Please delete any other spelling or other names XXXX XXXX XXXX XXXX PA , XXXX Date of birth XX/XX/1977 My phone number is XXXX : Please update this information. I have enclosed my Driver Id for proof of address and date of birth. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
OnXX/XX/XXXXat XXXX XXXX  CST I went to XXXX XXXX XXXX and was assisted in sending a Bank Wire of {$11000.00} to XXXX ( Coinbase ). All Bank Wire steps were followed correctly and money was supposed to be available for use in XXXX that day. I did not receive it that day or that week. I went back to XXXX XXXX XXXX onXX/XX/XXXX and was given a printout of the send confirmation. The bank stated that they will send a request to receive confirmation from XXXX XXXX XXXX ( their bank ) that they indeed received the Wire. They have not responded. I contacted XXXX over the phone and explained the situation and was told that this would be forwarded to the applicable department and got a case number. Since then I have not heard anything. I have sent an email asking for a status update of my case and have not heard anything yet. I am extremely concerned as I am not receiving any assistance and just getting the runaround. It doesn't appear anybody can help me and I am amazed how a company can operate like this. Any help would be so greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alpha Recovery Corp
State: VA

Complaint narrative:
I received a phone call at XXXX XXXX est, by alpha recovery group on behalf of XXXX. I asked what this is in regards to ; the first gentlemen would not tell me prior to verifying my identity and then hung up once i asked again what this was in regards to. I called back to try and figure out what the was in reference to. Then, second lady did the same thing and hung up once I asked who this was and what it was in regards to : both were extrmely rude and abusive, yelling and telling me I dont know what Im talking about. I called back and reached a lady by the name of XXXX XXXX : she refused to tell me who she was until I verified my identity, even though all three times I stated I was the person they were looking for. They would not proceed until I gave my personal information. After I asked why they were calling so late, she proceeded to get rude as well ; yelling and harassing me the entire time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31 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: PA

Complaint narrative:
Good Morning, this letter is regards to and issues with my personal information. I have tried on several accoucation to fix m y personal information with ojt any success. 
The personal address and no other address on my credit report should be as stated blow. 

XXXX XXXX -- -- -- -- -- -Only Please delete any other spelling or other names XXXX XXXX XXXX XXXX PA , XXXX Date of birth XX/XX/1977 My phone number is XXXX : Please update this information. I have enclosed my Driver Id for proof of address and date of birth. 

Thanks XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Good Morning, this letter is regards to and issues with my personal information. I have tried on several accoucation to fix m y personal information with ojt any success. 
The personal address and no other address on my credit report should be as stated blow. 

XXXX XXXX -- -- -- -- -- -Only Please delete any other spelling or other names XXXX XXXX XXXX XXXX  PA , XXXX Date of birth XX/XX/1977 My phone number is XXXX : Please update this information. I have enclosed my Driver Id for proof of address and date of birth. 

Thanks XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31 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: CA

Complaint narrative:
On XX/XX/XXXX a State Tax Lien for {$14000.00} appeared on XXXX, XXXX, and Transunion credit reports. I took action right away and was able to prove to the Franchise Tax Board that they had filed this in error. I submitted documentation and filed a dispute with all 3 credit bureaus. Within 30 days, XXXX  and XXXX removed this tax lien off my credit profile. Transunion however never notified me of results. I have attempted to call back on XX/XX/XXXX to see why my dispute was not processed properly. Not only was I on hold for more than 30 minutes, but the person helping me was extremely difficult to understand and there is clearly a language barrier. It sounded like they were reading of a script and could not answer any of my concerns. To make matters worse I was told they had no record on my dispute in XX/XX/XXXX. I filed another dispute on XX/XX/XXXX with confirmation number XXXX. I was told by the person helping me that their verification is electronic and they only verify my personal info such as name and social security number. This matter is impacting my ability to purchase a home for my family. I find it difficult to understand how a creditor can file ANYTHING to a person 's credit report, specially something that can not be verified but in order to prove that its not mine I have deal with it for months and go through a process that clearly is not on my side.

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 2018-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: NC

Complaint narrative:
debt was opened XX/XX/2017 and I'm disputing it.

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 2018-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Please see the attached description - Everbank is overcharging me for my monthly escrow account payments.

Company response to consumer: Closed with explanation