vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-06 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: AL

Complaint narrative:
For the past, several months I have requested Equifax and XXXX XXXX to make the correction on my credit report one to remove a repossession that should not be there and to remove a wrong social security number ending in XXXX. This is not my legal number. The several times that I have talked with XXXX Relations- he keeps stating XXXX XXXX this SS # is related to the account and when we ran the number your name came up, and that he had proven. When I asked him to send me a copy of that he refused stating that it was private information. 
After checking more into the matter : I purchased the car from XXXX on XX/XX/XXXX on a contract that was not signed by me. A XXXX employee forged my name on the contract. 
XXXX started that I was behind in my payments the month of XX/XX/XXXX thru the month of XX/XX/XXXX. XXXX has always had the SS # as XXXX and refused to talk with me several occasions because I did not have the right number. 
Per my credit report : On XX/XX/XXXX, my SS # was reported on my report. When XX/XX/XXXX reported late payments or days behind they are the ones that put the way SS # on my report and now are trying to say that I have to SS # Other Identification Date Reported Type Code Identification Number ReasonXX/XX/XXXX Social Security Number xxxxx XXXX Variation XXXX was forged my signature, the wrong SS # violated numerous rules and laws This SS # XXXX was never on my credit report until XX/XX/XXXX unit XXXX XXXX reported it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I tried to send XXXX Bitcoin using Coinbase.com mobile app and the app responded saying that it failed to send the payment and to try again. I then went back and tried to send it again and it sent 2 payments, totalling XXXX Bitcoin. 

The Bitcoin address which the payment was sent to is : XXXX I then contacted Coinbase on the XX/XX/XXXXabout the issue and they responded 8 days later ( XX/XX/XXXX ) saying XXXX replied : Hello and sorry for our delayed response. 

Which did n't resolve my issue in the slightest and did n't even address the matter. I then replied to that asking for the issue to be sorted in which I never received a reply. 

Forward to the XX/XX/XXXX in which I wrote to them again asking for the issue to be sorted and once again received no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: KY

Complaint narrative:
In XX/XX/2013 Ocwen Loan Servicing put our 2nd mortgage in charge off status based on the declining value of the our home. The problem is that the value of our property was never in decline. In fact the value of our property has steadily increase since we have owned our home. The charge off negatively effected our credit and put our 2nd mortgage in a delinquent status. The mortgage loan # is XXXX.

There was absolutely no justified reason for Ocwen to put our 2nd mortgage in charge off status. Our home is well maintained and we take pride in the appearance and condition of our property.

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 2017-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL

Complaint narrative:
yesterday, I called the professional adjustment corp to be presented to the owner named XXXX. I sent a letter asking for verification for this alleged debt, I was sent procedure codes, pretty much my medical history on four accounts that at the time I had no knowledge of. I called the original creditor to speak with a representative on the phone for an hour explaining to her that I never gave permission for a debt collector to have this information as this contains sensitive information regarding hippa. to even get my own information from the records department, I must pay for it, but it scares me to no end how this collection agency could have my medical information. fast forward I called this XXXX on XXXX-XXXX-2017 explaining to her that she had violated hippa enforcing the laws of the fcra for consumers, she immediately got very defensive as she started yelling over the phone and to tell me do what I need to do. since phone calls are monitored and recorded, I kept this on record because as a consumer I do n't need anyone talking to me with such disrespect. I am a grown man and will and shall tolerate it. she slammed the phone in my face afterwards and hung up on me. she has knowingly violated the law. I do not acknowledge the debt because I never signed a contract with this agency. She also called me a liar over the phone an accused me of not speaking to the original creditor which I did as soon as I received her letters. I was on the phone with the original creditor when she too hung up in my face. funny how you expect us to follow the laws but here you are breaking them in multiple ways which by the way of violating my rights. XXXX is very disrespectful and have no regards to the law. I will not back down from this and I demand all trade lines to be removed from my credit profile, you are slandering my reputation. again, I have never gave this agency permission to access my medical information. I have no contract with the professional adjustment corp and there is no bill that states I have a contract with the professional adjustment corp. they did n't provide any service that I signed for. I will also let all three credit bureaus know that this agency has taken my information without my consent which also constitutes a fraud. you have access to my medical records without my consent, two you are accessing my credit profile without my consent, three you have opened 4 accounts which your agency has failed to sent me a letter about this alleged debt. I want this off my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Deutsche Bank
State: NV

Complaint narrative:
Federal Law gives me the right to notify DEUTSCHE BANK of errors regarding the servicing of my loans which resulted in the foreclosure of my property. I previously filed a complaint : CFPB # XXXX which is still open. Deutsche Bank has stated they had nothing to do with this loan, and that XXXX is at fault not them. XXXX has hired lawyers and we are in contact with them. They do not represent Deutsche Bank. Deutsche Bank has been " unthruthful '' to both the CFPB and XXXX XXXX. Find attached the recordings made at the recorders office in XXXX, California showing their involment in this FRAUD. I am requesting full accounting regarding this loan and requesting CFPB take a look at all prior letters from Deutsche Bank for more violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: TN

Complaint narrative:
lexis sent me a " we removed some things but were not going to tell you what or send you a new report letter because we dont trust you '' letter. 

This is illegal. If changes were or were not made to a consumer credit file, the consumer MUST be sent a corrected copy, not have to begging for it. 

Furthermore I dont think ALL of the requested items were purged.I provided plenty of information from the data furnishers themselves. 

" public records '' was never officially defined for me. WHO? people have names. PIs have licenses. courthouses have county names. sherriffs are not allowed to slander people. companies are not allowed to extort people. 

This needs to be corrected on all legitimate and nonlegitimate CRAs reporting or reselling ANY information whatsoever. 

company REMAINS IN NONCOMPLIANCE with FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I called equifax to find out why they put a security freeze on my credit and to remove the freeze and the representative told me unless I pay {$5.00} dollars they will not remove it. I told representative that I did not request a security freeze and I will not give them money to remove anything. I asked to speak with a manager and the rep put a supervisor on the line. Her name was XXXX employee # XXXX. I explained to her I did not ask for them to place a security freeze on my credit and to remove it. She told me unless I pay the {$5.00}. This is my information and I will not be subject to pay for a procedure I did not ask for. I had to pay the {$5.00} dollars but I want my money back for a issue that Equifax decided to put on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I made a XXXX withdrawal for XXXX from my Coinbase account to my bank account on XXXX XXXX, 2017, but it has n't arrived yet. It has been more than a month now. The withdrawal is marked as " completed '' on my Coinbase account page, but my bank account has not been credited! I have been trying to contact customer service, but this is notoriously impossible at Coinbase. A copy of the history of my one-way conversation with Coinbase customer service is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I pulled a copy of my credit report and noticed that there was a collection reporting with XXXX XXXX. I did dispute the account with the credit reporting agencies because the account is not mine. I have never had XXXX service my entire life so I do n't know how they reported the false information. The three bureaus did remove the account. I thought it was said and done. Then I received another credit report and now Convergent Outsourcing is reporting the same exact account with a new open date. This is absolutely maddening. If they would use my social security number and birth date the would see it 's not mine. They are only going by my name which is common. I am very upset because I pay my bills on time and now because of their error it 's affecting my ability to make a financial move.

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 2017-09-06 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
XXXX, XXXX are still reporting outdated incorrect information regarding Santander Consumer USA. I do hot have a balance with Santander Consumer USA of any kind. The balance should be XXXX. Santander has not reported any updates since XX/XX/2014. This information needs to be fix to show my balance as XXXX or remove from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There were two glitches in the system of TransUnion. These glitches were in fault a problem of TransUnion and not mine and resulted in the deletion of All inquiries on my report. Later TransUnion added them back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion twice ( first rep name was XXXX and second rep name was XXXX ) in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries add hardship to me financially and my rights have been violated by TransUnion. I ask that you please help me make TransUnion stop victimizing me.

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 2017-09-06 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: IL

Complaint narrative:
I recently disputed an error in my credit report under the public records section and have since contacted ALL 3 MAJOR credit bureaus and in return have gotten the disputed items not properly corrected on my report. Not only is it affecting my report but my life as well which deems me financially irresponsible so the automated letters I receive tell me. It even does n't show in the comments section under the items marked as Disputed By Consumer which under the FCRA is a strict violation in correspondence to my rights as a consumer. I 've written numerous CERTIFIED letters to the Bureaus AS WELL as the creditor themselves. In return the creditor only responded to my letter with a letter of verification stating they do n't even report to the credit bureaus. I have that burden of proof to support my claim as well. These public records do n't contain any large sum amount or an amount at all to my knowledge it is just a negative and bad reflecting mark on me as a consumer and person which is definitely Defamation of Character, which I am certainly not. I Placed a Security Freeze on my file and Opted out of Services Provided by XXXX XXXX. I have also proceeded with filing a small claims suit against these Bureaus for the Defamation of Character as well as my rights protected under the FCRA AND Injury to myself & my credit report seeking no less than {$1000.00} per violation under the FCRA Sections 604 ( A ) ( 3 ), 623, 611 also US Court of Appeals, XXXX XXXX, XXXX XXXX. ( XXXX vs. XXXX XXXX ) To avoid these proceedings and drop the lawsuit I figured give one more dispute a try I 'm just looking to have this matter cleared up. 

Best Regards

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 2017-09-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I was enrolled in an institution named XXXX University. The institution was taken over by another group name XXXX University. At this time, the institution worked with a private loan provider, securing false loans for students. I reported this information to the police department in New Hampshire and shared this information with Navient representatives, still no conclusion. The Navient representatives are not responding to my letters, calls and information. I have sent them information from the police department, complaints and etc.. I am not responsible for those loans with XXXX University.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX I applied to have my credit line reopened with BB & T, in the XXXX North Carolina branch. My credit line was suspended due to a drop in my credit score over 3 year plus years ago. I applied to have my credit line opened back up, due to my score has increased, also I have never missed a payment on this credit line or with any other product at this bank. I have also asked for a copy of my agreement with XXXX XXXX in the complaint department and have yet to receive a copy of the agreement as I had requested. I have concerns that I may be a victim of overt discrimination as the bank will not take into account my spouse 's income, and due to the fact I 'm now married. I also do n't believe I have been treated fairly as the Branch Manager told me it was not income related, but score driven. I also complied with all requests such as supplying two years tax returns, making a payment to my credit line and providing current check stubs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
This account was paid and the collection company agreed to delete but years later the company has left this record open on my credit report to harm me. Please help me get this removed from my credit report because its harming my score and causing me to get higher rates on credit cards, increasing the likelihood of declined credit applications, and harming my ability to show credit worthiness to anyone who reviews my credit report and sees this collection record. This collection record was created due to a dispute with the apartment complex manager which was eventually settled, and even later on years after the collections was issued my family moved back to the complex, yet this collection blemish remains on my report.

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 2017-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: First National Collection Bureau, Inc.
State: MI

Complaint narrative:
I have been receiving calls on a regular basis from a company who claims that I owe a debt. I have asked on multiple occasions for the calls to stop and advised that I do not have any debt, and that I can look my credit report up right now and prove that, yet the calls keep coming in. I advised that I know my rights and that if I ask them to stop calling that they have to yet I am met with rudeness and nastiness and the calls continue. I advised that I would be filing a complaint with the last phone call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
Im a senior citizen and have a mortgage for over 28 years and have not had a problem until Guaranteed Rate took over my mortgage. 

Guaranteed Rate is the mortgage provider for my building : XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX The building is a three flat. Two of the units are rented and my apartment is a vacation rental unit. 

Since I have another residence in XXXX and travel, I do not spend much of my time at my primary residence. I asked Guaranteed Rate to send all non-secure policy information via email so I have current information on my mortgage. 

Guaranteed Rate has a convoluted and confusing policy to request email communication. 

I submitted a written email request form. After three to four weeks Guaranteed Rate response was their policy does not allow any type of email communication. 

To add to the confusion, I pay my Guaranteed Rate mortgage through a third-party XXXX XXXX XXXX XXXX . 


My XXXX XXXX XXXX online account is Your Mortgage Online, XXXX XXXX XXXX is a Guaranteed Rate website. 


Your Mortgage Online has limited information and errors in the Loan Payment Activity webpage, XXXX XXXX XXXX. 

Guaranteed Rate does not use their Secure Message Center, XXXX XXXX XXXX to communicate important policy information. 

A problem occurred with my property tax increase. Guaranteed Rate mailed that the escrow amount in my monthly payment would increase due to the tax increase. 

Since I wasnt at my primary residence I did get notification of the price increase. 

Guaranteed Rate again refused my request to notify me by email. They also refused to appoint a single-point of contact to resolve outstanding issues. 

Although Guaranteed Rate will not communicate to customer via email, they use email for information to refinance my mortgage with Guaranteed Rate. 

Also, in non-compliance with their email policy, I received an email today from Guaranteed Rate that they are transferring my mortgage account to XXXX XXXX XXXX. 

Guaranteed Rate policy makes it impossible for me to effectively manage my mortgage account and could lead to negative credit rating. In prohibiting email correspondence, Guaranteed Rate compels telephone conversations eliminates email documentation of the complaint process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: NC

Complaint narrative:
Transunion, XXXX are still reporting outdated incorrect information regarding XXXX XXXX XXXX. I do hot have a balance with XXXX XXXX XXXX of any kind. The balance should be XXXX. XXXX has not reported any updates since 2014. This information needs to be fix to show my balance as XXXX or remove from my reports.

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 2017-09-06 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: NC

Complaint narrative:
XXXX, Equifax are still reporting outdated incorrect information regarding XXXX XXXX XXXX. I do hot have a balance with XXXX XXXX XXXX of any kind. The balance should be XXXX. XXXX has not reported any updates since 2014. This information needs to be fix to show my balance as XXXX or remove from my reports.

Company response to consumer: Closed with explanation