vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-19 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: UT

Complaint narrative:
XXXX  XXXX XXXX # XXXX is reporting a balance on a card that I have already paid. It has been reporting lates that should not be on there as the account should not have had a balance. It has a current balance of {$72.00} and that is causing the account to report a late monthly. This is paid off, there should be no balance or reporting lates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: UT

Complaint narrative:
XXXX  XXXX XXXX # XXXX is reporting a balance on a card that I have already paid. It has been reporting lates that should not be on there as the account should not have had a balance. It has a current balance of {$72.00} and that is causing the account to report a late monthly. This is paid off, there should be no balance or reporting lates.

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 2019-09-19 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: PA

Complaint narrative:
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

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 2019-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Enterprise Systems, Inc.
State: NJ

Complaint narrative:
National Enterprise Systems has called my place of employment five times in the last couple weeks to collect on a debt that I do not believe I owe. 

I just started recording the time and name of the representative calling. Today XX/XX/19 someone who identified themselves as XXXX XXXX called at XXXX asking for me to identify myself and confirm my social security number and my date of birth. I have read that the representatives of NES regularly use aliases so I am not even sure if that is his real name. 

I told them they could not call me at work and informed him that I had told the previous callers that they could not call me at work also. He then either lied, knowingly or unknowingly, and said that they had never called before. 

I informed him that he was violating the fair debt collection practices act and then he started talking over me so that I could not get a word in. He told me I was neglecting a debt owed but he would not identify who he was calling for unless I would provide personal information about myself which I refused to do out of privacy and identity theft concerns. 

He said that he would remove my work number from his call list but he is not the first person to do so, now I do not believe they take any action to prevent repeated violations of the FDCPA. 

I do have some old student loans that I owe on and I am making payments to the federal government on those loans because they were federally insured loans. But NES does not ever call about those loans so I believe they are either wrong of the calls are outright fraud.

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 2019-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
The XXXX family applied for a loan modification on XXXX. They called in multiple times for updates and each time they called in they were told the package was in review and nothing was being requested. On XXXX we called in and spoke to XXXX in Loss Mitigation and she said there was NO package in review nothing was ever received and that my home would be going to sale. I have the email trail showing this info was sent in, ( Please see attached ) and that my file was being reviwed There is no excuse as to why this has happened. My sale date is set for XXXX. 
The inability of XXXX XXXX/Loan Care to receive a simple Email/facsimile or simply maintain a file is inexcusable. Not only did I timely send the information, but a successful confirmation was kept as a record. The number of times that I spoke with XXXX XXXX/Loan Care to check status of my file should extinguish any opportunity to excuse their behavior. 
Between the misplacement of our financial documents and the poor communication from XXXX XXXX/Loan Care, it is clear that they simply do not want to review our file for a possible work-out solution. 

The events described above are just a sample of the practices that are taking place at XXXX XXXX/Loan Care. They appear to be more interested in foreclosing on my home and fire selling it at auction to make a profit. It appears that their lack of participation in a meaningful modification review of our file indicates a preference to profit directly from our hardships. 

We are demanding our file be properly reviewed or we will file a complaint in civil court with the following causes of action- Negligence, Fraud, violation of California Business and professions code 17200, intentional infliction of emotional distress, and promissory estoppel. 
My family has been discriminated on based on our race, ethnicity, language and national origin. We will name XXXX XXXX, XXXX XXXX, and XXXX XXXX as defendants in this civil matter.

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 2019-09-19 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: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a balance on a card that I have already paid. It has been reporting lates that should not be on there as the account should not have had a balance. It has a current balance of {$72.00} and that is causing the account to report a late monthly. This is paid off, there should be no balance or reporting lates.

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 2019-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
I've tried to communicate with Mr. Cooper ( Nationstar ) since 2018, regarding a mortgage on my residential property. I was assigned resolution specialist XXXX XXXX. 

From XXXX, I've requested mortgage statements throughout, never received. 

In XX/XX/XXXX, I requested forms for a loan assumption, never received. I repeatedly inquired as to the status of these forms, and was referred to the " Research '' department. Over three months, the department never responded, even though XXXX was cc 'd on every email. 

In XX/XX/XXXX, I re-requested forms for the loan assumption using the enclosed letter. These were provided by XXXX. 

In XX/XX/XXXX, I was referred to the " Subordination '' department. I requested a response immediately, which I did not receive. As promised, I am now filing a formal complaint against Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I was abruptly logged out of my Coinbase account that held XXXX XXXX coins. My password would no longer function, and I was unable to reset it due to access issues with the associated email account. I contacted Coinbase on XX/XX/XXXX as I suspected fraud. Coinbase asked I create a new account and complete ID verification which I completed as well on the XXXX. I was instructed Coinbase would review the ID verified on my previous account with email address XXXX and transfer the funds to XXXX. My Case # is XXXX. Since then I have heard no update from Coinbase and the provided support contact number does not connect to a live rep. I can no longer access my funds due to a simple account issue. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-09-19 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: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
Please find attached certified letter sent to Barclay in regards to inaccurate balance.

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 2019-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX XX/XX/2019 On XXXX XX/XX/2019 XXXX XXXX XXXX deposited {$500.00} into the Wells Fargo ( WF ) account of XXXX XXXX XXXX, her son. She filled out the deposit slip for his account. She INTENDED to put the money into HER account, but did not do so. WF correctly put the money into XXXX 's Account. On XXXX XX/XX/2019 WF did 5 things : ( 1 ) It spoke with XXXX on the phone & she told them what she had intended but in fact did not do. ( 2 ) WF debited ( removed ) {$500.00} from XXXX 's account. They did not notify XXXX or me. ( 3 ) WF put {$500.00} into the account of XXXX XXXX. ( 4 ) They sent a false statement by USPS to  XXXX. WF wrote : " we want to let you know about an error we identified when processing a transaction from XX/XX/XXXX .... there was a delay in posting a deposit. '' This statement is false on 2 counts. ( a ) There was not error on the part of the bank. The bank put the money into the account ( XXXX 's ) indicated on the deposit slip. ( b ) There was no delay. The deposit to his account was on XXXX XXXX, the same day she filled out the deposit slip. ( 5 ) WF sent a false statement to XXXX and to me by USPS. The letter is dated XXXX XXXX & it arrived on XXXX XXXX. It came to XXXX and to me because we have a joint account. This letter says : " we want you to know about an error we identified when processing a transaction from XXXX XXXX on your account : a deposit processed in error to this account, to correct the error on XXXX XXXX, we debited {$500.00} from your account. '' Again, there was no error in processing. The bank put the money into the account specified on the deposit slip of XXXX XXXX. MY COMPLAINT IS THAT WELLS FARGO REMOVED {$500.00} FROM OUR JOINT ACCOUNT WITHOUT NOTIFYING US, WITHOUT ANY DUE PROCESS OR RECOURSE ON OUR PART, THEN THEY LIED REPEATEDLY ABOUT THE REASON FOR THIS. I believe they this debiting ( removal ) of the money was not legal. Remember the money was put where the deposit slip said to put it and the money had been in the account 32 days. I write this letter with full consent and knowledge of both XXXX and XXXX. I have documents to support all these statements. [ XXXX does not have evidence of the way she filled out the deposit slip on XXXX XXXX, but she tells me that she filled it out to XXXX ( not to herself as she intended ). She tells me that she has requested a bank copy of this transaction and has not received it after 2 weeks. ] She tells me that on XXXX XXXX she told WF that she had made the error on XXXX XXXX. She tells me that the error was not made by WF. The Wells Fargo department handling this is CORRECTIONS & RECONCILEMENT - CUSTOMER RESEARCH with a File # XXXX. I have not contacted WF about this matter. I am going to send a copy of this complaint to WF. I attach 6 documents to this complaint.

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 2019-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
An XXXX purchase for {$140.00} from a PayPal vendor was unsatisfactory ( Seller had sold me an unauthorized and ineffective DNA service kit from XXXX ) on XX/XX/2019. I requested a credit from the vendor through PayPal by filing a dispute. PayPal told me to contact XXXX instead because the original charge was made to my XXXX XXXX card. I then contacted XXXX for a credit. XXXX issued the credit onXX/XX/19.Subsequently,  PayPal issued a credit to my XXXX card on XX/XX/19. On the same day,XX/XX/19, I received an email from PayPal saying I owe them {$140.00}. XXXX XXXX appropriately issued a debit on XX/XX/19 so that there was not a duplicate credit on my XXXX. OnXX/XX/2019 I received another email from PayPal again stating I owe them {$140.00}. I owe nothing. I received the credit to offset the disputed charge, resulting in a zero balance receivable or due which was the fair resolution to this issue. However, subsequently, PayPal responded to the original complaint XXXX that they had ceased collection efforts by accessing and taking from my account the {$140.00} cash balance in the PayPal account I set up. This is an inappropriate resolution, as this resulted in PayPal taking {$140.00} to pay for the service I did not receive. The vendor has not been held accountable for a refund as should be the case and I am still owed back the {$140.00} from PayPal. The XXXX net activity resulted in {$0.00} to the credit card account, which was the appropriate outcome -- no charge due to no service received from vendor 's sale. However, the PayPal action to take cash from my PayPal account remains a net cost to me of {$140.00} for a service I did not receive. Moreover, the PayPal " resolution center '' doesn't allow a dispute, forcing me to resort to the CFPB for assistance. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.

Complaint narrative:
I am a XXXX citizen but my loan was through gm financial in the states, a 5 year term, no missed payments, no late payments. My car is paid off. When I call it says title released XX/XX/2019, I owe nothing. I was unaware of a policy that states I have to wait 15 to 30 days to sell my vehicle I paid for, for 5 years, this is unacceptable as a consumer, even more unacceptable as someone who sold their vehicle not knowing of this 15 to 30 day policy that is not written anywhere for anyone to see or none about. I now have a very angry car buyer who cant put the car in her name as the lien is still there due to the policy that is not written anywhere for anyone to know about. I have dealt with gmf via phone and also written complaint for the last two days being told they cant send me that policy as its an internal policy. Wait, what? So how is a consumer to know that you have to wait 15 to 30 days to sell a vehicle if its not stated anywhere? Written anywhere, not notified as such a policy? Its not a policy, if its not written! I have a my account through gmf and asked that they send me a letter stating I owe nothing and they release the vehicle. They wont do that, I have to adhere to their policy that isnt written anywhere or I wasnt aware of. I am here to protect future consumers from this company who dont end up like me, paying a car off, selling it and having one angry buyer as I wasnt aware of some internal policy. I was also told by XXXX ID number XXXX that they didnt have to tell me of this policy as its an internal policy. Please do something about this policy they have that is not written anywhere!!! Yes Im XXXX, but my loan was through an American institution, how that happened is beyond me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
They Call me every day sometimes 2-3 times a day, they also call my work almost everyday and they have called my wife and my mother. I talked to XXXX at Midland Credit XX/XX/2019 and he was threatening to sue me for the money owed and i told him i would settle for less which i said id do 30 % of what is owed and he would not accept my offer and only wanted me to do payments. I have told them not to call my work or family and sent a Debt settlement letter to them yesterday. He also said if i don't pay them, they will report to my credit and it will hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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 RECENTLY REVIEWED MY CREDIT REPORT AND I DISCOVERED SOME INACCURATE ACCOUNTS REPORTING ON MY CREDIT FILE. THOSE DEROGATORY ACCOUNTS DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY CREDIT REPORT AND BECAUSE OF THIS I HAVE NO CHANCE OF ACQUIRING NEW CREDIT. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE DEROGATORY ACCOUNTS REMOVED OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I RECENTLY REVIEWED MY CREDIT REPORT AND I DISCOVERED SOME INACCURATE ACCOUNTS REPORTING ON MY CREDIT FILE. THOSE DEROGATORY ACCOUNTS DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY CREDIT REPORT AND BECAUSE OF THIS I HAVE NO CHANCE OF ACQUIRING NEW CREDIT. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE DEROGATORY ACCOUNTS REMOVED OFF MY CREDIT FILE.

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 2019-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am disputing the following account with Discover Financial {$1000.00} and XXXX/XXXX {$380.00} as fraud. I did not authorize these companies to open any account in my name. I am a victim of identity theft. I am requesting these accounts that is reporting a balances to be removed from my credit report due to fraud. I am also disputing the following inquiries Discover Financial and XXXX/XXXX be removed as well for fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Experian is reporting incorrectly a foreclosure proceeding started, as well as reporting that I am ( 150 ) days late on the XXXX XXXX   MTG partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) The property was sold at auction in 2017 and all lates that are currently being reported are false. This account should be reporting a {$0.00} balance and the late payments need to be removed. This incorrect reporting is harming my credit score. I have contacted the bureau to fix this however, I have not been successful.

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