vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing the same complaint again for resolving my issue about fraudulent practises of bank of America mortgage.I need help from CFPB to resolve my issue. What they were saying was wrong about my complaint .when i applied for the disaster forbearance they did not say that i want to participate in the modification program.The customer service agent told me that they will extend the mortgage for extra 3 months. If they told me that i need to participate in the forbearance plan i will not take part in the disaster plan. 
Mortgage company resolved the same issues by extending the loan for extra 3 months.why they are not doing this for me? 
I strongly believe that if i took the modification program they can not cancel my PMI, and if they extend the loan like all other companies did, then i am not at default with my loan and they need to cancel PMI.

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 2018-05-03 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: NE

Complaint narrative:
Experian is reporting XXXX XXXX XXXX on my credit report. The have declined to remove this name because they are indicating it is part of my credit history. There is no where in my credit history that refers to XXXX XXXX XXXX I have received a copy of my credit report from XXXX XXXX XXXX XXXX   and Experian. Experian is only reporting this name under my personal information. I need them to provide the source from where they obtained this information other than sending me an automated response. I need to have this removed and need to contact whomever is reporting this inaccurate information so it can be removed. Can you please have Experian provide the source so I can contact them directly.

Thanks

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 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
XXXX XXXX & Portfolio RC are reporting on my credit and attempting to collect debts that are not mine. I did not apply for those accounts and do not understand how they can report to my credit. 
THe debts are old also, past the statute of limitations in MO.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I purchase this property thirty-four and half years ago. In XX/XX/XXXX I refinance for {$200000.00} we had the finance crisis in XX/XX/XXXX and I got behind with my mortgage payment. I working with an organization for a loan modification under the HAMP program. In XX/XX/XXXX I was approve and there was a deferred payment of {$190000.00}. I have learn that this amount had a lot of fees that should not have been included in the deferred amount. The loan is with Ocwen Servicing LLC loan number # XXXX the property is located at XXXX XXXX XXXX XXXX Ma XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: OH

Complaint narrative:
I have a a unverified account from THE BUREAUS # XXXX. I had previously disputed this account. I have never done business with THE BUREAUSXXXX   Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that THE BUREAUS -XXXX  Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that _THE BUREAUS -XXXX________ Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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: GA

Complaint narrative:
The following inquiers are reporting unauthorized on my report. I recently was apart of the data breach i have reached out to all 3 bureaus on several occasions with no help. I didnt authorize the pull of my credit from any of these companies listed below XXXX XXXX-XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX-XX/XX/XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXXr-XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX- XX/XX/XXXXXXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX-XX/XX/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 2018-05-03 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: GA

Complaint narrative:
The following inquiers are reporting unauthorized on my report. I recently was apart of the data breach i have reached out to all 3 bureaus on several occasions with no help. I didnt authorize the pull of my credit from any of these companies listed below XXXX XXXX-XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX  XXXX XXXX  - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX- XX/XX/XXXX XXXX-  XX/XX/XXXX XXXX-XX/XX/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 2018-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANCO POPULAR DE PUERTO RICO
State: NY

Complaint narrative:
OnXX/XX/XXXX a deposit was made to my account in the XXXX XXXX by my cousin of {$2000.00} to my account number XXXX. Once I was was told and after receiving receiving a copy of the deposit slip I proceeded to a branch of Banco Popular in New York on XXXX XXXX in the XXXX  which was close to me. To my surprise My ATM as closed and Both of my accounts was closed unknown to me. I was assisted by the Manager of the Branch called the main Branch in Puerto Rico as was told my account was active but my ATM was closed and could not give me the reason why. Since that time I was advice to file a claim on XX/XX/XXXX at the Main Branch in Puerto Rico.the claim number in questions is REF : XXXX-XX/XX/XXXX. I kept calling as was told to call the XXXX XXXX was was a long distance XXXX on the XX/XX/XXXX. I was then told even though my account was closed I was making various transactions of which I was not aware because I only withdrew {$1000.00} of was was deposited to me a few months before. How was I able to withdraw money when to them my account was closed.

I have a medical emergency of which a family member was helping out because of a fall I took in XX/XX/XXXX.

Eagerly awaiting a speedy responce Regards 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 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
This company calls numerous times day, multiple times a week. When answered, they will not identify the business matter. They will also not leave messages. The debt is a charge off by a different company. They have also sent letters through XXXX for direct delivery which is just dropped on the doorstep. They are harassing me and now they are threatening to sue. I recieved a letter on XX/XX/2018 that I got off my doorstep via XXXX that saysI 'll be sued if i don't respond. The letter is dated XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Firstly, I contacted Coinbase on XXXX2018 for my issues with withdrawing funds, then we identified my problem and they said that I will be contacted by their technician, but that did not happen until today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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: NC

Complaint narrative:
Experian refuses to delete this fraudulent account from my credit file from XXXX XXXX XXXX which was unverified and deleted by 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 2018-05-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: IQOR US INC
State: KS

Complaint narrative:
Allied Interstate calls repeatedly. Using different numbers thoughout the day. They contacted employers after being told to leave them alone multiple times. This has been ongoing since XXXX, daily including weekends.

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 2018-05-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Care credit is ripping us off. Our minimum monthly payment is XXXX we pay XXXX-150.00 per month. The bill went up XXXX in interest and we haven't used the card in over a year. They refuse to work with us were struggling and when I asked if our balance would ever go down they replied you can pay it in full. So no matter what I'm paying it doesn't matter. I wish you will look into this. I don't think this is even legal.

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 2018-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: CA

Complaint narrative:
I was charged interest on what Discover is claiming was a " cash advance ''. There is no history of a cash advance in any statement that I have. After speaking with a representative, they admitted that it wasn't a cash advance, but interest charged on a balanbce transfer offer that expired. I spoke with someone at their company before the offer expired and verified that my payments would be applied to the offer to pay it off in time, which they conveniently do not have any record of. They have also continuously charged me interest on this amount and have no applied any of my my monthly payments to this amount, which has resulted in over {$140.00} in interest fees that they refuse to reimburse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
This company calls numerous times day, multiple times a week. When answered, they will not identify the business matter. They will also not leave messages. The debt is a charge off by a different company. They have also sent letters through XXXX for direct delivery which is just dropped on the doorstep. They are harassing me and now they are threatening to sue. I recieved a letter on XX/XX/XXXX that I got off my doorstep via XXXX that saysI 'll be sued if i don't respond. The letter is dated XX/XX/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 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My mortgage is serviced by XXXX XXXX ( XXXX ). InXX/XX/XXXX, I had to stop working due to illness. I reach out to XXXX for a loan modification approximately XX/XX/XXXX. They did a forbearance plan instead a permanent loan mod. Each forbearance was for 3-4 months and each time I had to reapply in advance. I did always. One forbearance period ended in XX/XX/XXXX. I had already applied for a loan mod and by XX/XX/XXXX, it was still pending with XXXX. I was told it was still under review, but told me I could not send any payments until they ( XXXX Underwriters ) made their decision. Towards the end of XX/XX/XXXX, they made the decision to continue with a forbearance plan and the next payment was due XX/XX/XXXX. I was specifically told I could not send in no other payment except for that in the forbearance & had to follow the plan. If not, the plan will be breached & I would be required to pay the full arrearages. Later in XX/XX/XXXX, XXXX, put on my credit report that I had a late payment for XX/XX/XXXX. I disputed thru the credit Bureau & XXXX. Explained to them, that because our case was under review, they refused any payments until they agreed to a plan. Once completed, they instructed me to make a payment starting XX/XX/XXXX. I remained under forbearance until XX/XX/XXXX, never missed a payment or defaulted under the forbearance plan. You can never continue in a new forbearance plan if you are default from the previous. However, XXXX, still has a late payment on my Credit file ( over 420 days ) & refused to resolve this matter. For this reason, I am unable to refinance or get help from another financial lender. The loan has been under review with the underwriters since XX/XX/XXXX, & still no decision. In the meantime, no payments or being made or accepted by XXXX until the review is finalized. They are sending someone to inspect the property on XX/XX/XXXX before they make a determination. XXXX   has been unorganized, added false info to my credit report, not reporting correctly of our agreed forbearance amounts/plan & they are showing all our agreed payments as unapplied. Numerous attempts have been made to resolve this matter but they have been unprofessional, uncooperative, & refused to correct or remove this derogatory info. It has negatively impacted me to move forward with restoring my situation. As of now, my case is still pending sinceXX/XX/XXXX. XXXX says the review takes 7-10 days, but it's been 60+ days, still no determination on their part. So we are helpless and continue to fall behind due to their unfair business practices & handling of my loan. As a veteran of the XXXX XXXX & the XXXX XXXX XXXX, I am appalled that they are able to treat our service men & woman this way & get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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: NC

Complaint narrative:
XXXX refuses to delete this fraudulent account from my credit file from XXXX XXXX XXXX which was unverified and deleted by 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 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio recovery has repeatedly called me, Calls me twice a day every day. I tried answering the phone a few times but then no one talks. I have asked them not to call me. Here is an example from my call log. 

PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Thu. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Thu. 
XX/XX/XXXX ORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Wed. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Wed. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Tue. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Tue. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Mon. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Mon. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Sun. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Sat. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Thu. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Thu. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Wed. 

PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Wed.XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 6s RECEIVED XXXX XXXX EDT Mon. 
XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: RI

Complaint narrative:
I do not owe any $ for the XXXX bill which is on all of my credit bureaus. They must be confusing my name, XXXX XXXX, with another person of the same name. This is not me and I do not owe the {$150.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03 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: Lending Club Corp
State: GA

Complaint narrative:
See a copy of the letter : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/XXXX Lending Club XXXX XXXX XXXX, CEO XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Re : Account # XXXX Dear XXXX XXXX, I am writing you in reference to an XXXX that is reported on my Credit Report for XX/XX/XXXX. On XX/XX/XXXX, I called the XXXX number and spoke to a representative and he informed me he was not able to take over the telephone payments ; however, he stated that the XXXX office was closed due to inclement weather and would not open until XX/XX/XXXX. My payment, I stated was due on XX/XX/XXXX and when I made the payment of {$780.00} he stated that there was a late charge of {$40.00} that would be deducted before the payment was applied. 

XXXX XXXX, it appears your company is applying some of the very liberal policies of the City of XXXX XXXX, CA that are outside of the lending laws in the United States. Examples, it appears my account is being reported late because of a portion of the payment went to late fees. Therefore, if youre accounting system had not deducted a portion of my payment for late fees, my account would not have been reported as late. Additionally, if your office had been opened on XX/XX/XXXX, I would have been able to also make my payment by telephone in a timely manner before XX/XX/XXXX which then made my payment be classified as being late because of your XXXX office being closed which was not fault of my own. Moreover, I think it is ridiculous when a natural disaster takes place and you close your office because of that and customers like myself and may others were reported to the Credit Bureau as being late which was not fault of our own. 

if my account and credit report can not be update, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) stating that I was not able to make the payment due to your office being closed on XX/XX/XXXX due to inclement weather and when the payment was made, you deducted {$40.00} from the actual payment identifying it as a late fee. I would like to have a response from your office within 30 days or less stating that you have corrected your error and updated my credit report to reflect paid as agreed. 

Thank you in advance for your assistance for your addressing this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I realized there was a debt on my credit from XXXX. I have never had a phone with XXXX or any services with XXXX. My father has the same name as me and he does have XXXX. I think the debt may belong to him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation