vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
COMPANIES INVOLVED : EXPERIAN, XXXX, XXXX DATES : XX/XX/2018 ITEM REPORTED INCORRECTLY : BANKRUPTCY I've been trying to get this item removed since it has been reported. I'm in the process of buying a home so I really need to have this item removed from my credit report because it's reporting incorrectly. I've recently sent more certified letters to all 3 credit bureaus disputing this information, and requesting to have this derogatory item removed immediately. The credit bureaus refuse to remove this item because they're stating the Federal bankruptcy Court verified this information. As we are all aware, the Federal Bankruptcy Court doesn't release this type of information to third parties. I've also asked for a method/proof of verification, and they refused to provide me with this information. 

PLEASE HELP!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
Loancare.com is the servicer of my mortgage. I have reached 78 % of the original value of the property. ( 22 % equity ) and LOANCARE refuses to terminate PMI as required by the HPA of XX/XX/XXXX. The loan is current and I have never had a payment 30 days late or later. 

Borrower Name XXXX XXXX. Property Address XXXX XXXX XXXX XXXX MA XXXX. Current Principal Balance {$140000.00} .. Property Value {$190000.00}. Phone Number ( XXXX ) XXXX. Email Address XXXX.. General Loan Information Current Principal Balance : {$140000.00} Loan Origination Date : XX/XX/XXXX Next Payment Due : XX/XX/XXXX Monthly MI amount : {$96.00} Total Scheduled Payment : {$1400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: FL

Complaint narrative:
On XX/XX/2018, I pulled my credit and noticed an account from XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$42.00}. I assume this came from a medical bill since the original creditor was XXXX XXXX. I paid the balance due over the phone and was promised, calls are recorded, that the account will be removed/deleted from my credit report sinceI paid in full. It's more than 30 days later, and the account has still not been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Have 3 complaints.1. I was behind on my mortgage so I called on XX/XX/XXXX for a restatement amount. I was told that the reinstatement amount had to be requested from the foreclosure attorney and it would take 4 days to receive an answer. I waited until XX/XX/XXXX and called Nationstar/Mr. Cooper back their representative told me the new reinstatement amount was not ready due to The XXXX XXXX XXXX XXXX Holiday and for me to call back the next day. I called back on XX/XX/XXXX and their representative told me my reinstatement amount was {$10000.00}. I immediately wired the amount I was told. I called back on XX/XX/XXXX and confirmed Nationstar/Mr. Cooper had received payment and confirmed for the second time my mortgage was paid until XX/XX/XXXX. On XX/XX/XXXX I received a call from the automated system that my mortgage was due. On Saturday, XX/XX/XXXX I spoke to another representative who told me that she would have a manager call me back after they reviewed the two previous calls on Monday XX/XX/XXXX. After not getting a callback ; I called again on Wednesday XX/XX/XXXX a third representative confirmed that I was paid through XX/XX/XXXX. I asked to speak to a manager and  request a confirmation letter that I was paid through XX/XX/XXXX. He asked if he could call me back in hour and half a week ago. Today is XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
We received a letter from the XXXX XXXX County Assessor 's Office ( property tax collector ) stating that our ( escrowed ) property taxes have not been paid. When I called the mortgage company office to find out what happened, i found out that someoen there had changed the property address in their system to XXXX XXXX XXXX, XXXX, CA XXXX sometime in XX/XX/2017 without any notification to me and without my authorization. As a result, the proeprty tax that should have been sent to XXXX XXXX County on befalf of the property at XXXX XXXX XXXX, XXXX, CA XXXX was instead incorrectly sent to XXXX County for XXXX XXXX XXXX, XXXX, CA XXXX, which is our billing address ( NOT the property address ). We were with XXXX before the mortgage was sold, and the property address has always bene XXXX XXXX XXXX, XXXX, CA XXXX. 

We sent all the relevant information to the mortgage company and asked them to correct the mistake, pay the appropriate taxes to XXXX XXXX County, and recall back the incorrect payment that was sent to XXXX County. They have done nothing to help us resolve their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: PA

Complaint narrative:
TransUnion XXXX XXXX XXXX should not be on my credit file. I have provided proof from them as Attach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NE

Complaint narrative:
I have attempted multiple times to reach out to the company Coinbase. the first attempt on XX/XX/XXXX,  then again on XX/XX/XXXX, and finally again on XX/XX/XXXX regarding the death of my father and his bitcoin account. I explained to them I don't know the passwords to the account only email associated with account. I have been trying customer support and no one has answers on the phone and keep saying a specialist will get to me yet never does.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I received an offer from American Express XXXX XXXX XXXX, 0 % introductory APR through billing period that ends in XX/XX/XXXX on balance transfers. Since opening the card in XX/XX/XXXX I have been charged interest on this transfer amount every month. Over the last four billing cycles I have been charge {$210.00} interest on a card that offered 0 % APR until XX/XX/XXXX. I have contacted American Express on five separate occasions, each time they tell me they are aware of the problem and it will be corrected. It has not been corrected, I am still being charged interest and no credit for the interest has been added to my account. I think they are defrauding me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Back in XX/XX/2015 I had a conversation with a representative to agree to allow me to settle this account and once I pay the XXXX on the promise to pay date they will FORGIVE the remaining portion ; considered my account as settled ; adjust their records to reflect the settlement ; settled for less than full balance. 

Santander DID NOT do any of these statements per promised. 
They are still reporting this as a DERAGOTORY and as a CHARGE-OFF which they stated in these documentations that they will FORGIVE all balances once I pay the required amount. 
( Please review documents I sent to verify these statements please )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Account Discovery Systems, LLC
State: AK

Complaint narrative:
Referencing my past case XXXX The company is named Account Discovery Systems. They had impersonated a federal attorney, threatened to " serve me papers '', and contact my family members in another state to discuss my debt. They used the phone number XXXX on XX/XX/XXXX in an attempt to collect this debt. I told them they could just go ahead and serve me papers if they were really a federal attorney. Today on XX/XX/XXXX, I went around contacting my old creditors to pay off my bad debt, I only had one bad debt left to pay, and I found out it was bought by a company who then used Account Discovery Systems debt collection service, which is how I've deduced that they are the company responsible for these illegal actions, to collect this debt. The account is paid off in full, and I have receipts. However, they need to be held accountable by a court of law for their illegal actions in trying to collect this debt. 

accountdiscoverysystems.com

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Due to the change in US tax law, I has requested that Mr. Cooper paid the 2nd installment of property taxes from my escrow account prior to year end XX/XX/2017. I was informed by customer service rep that Mr. Cooper would be paying those taxes for all CA residents. When it was apparent I was lied to by Mr. Cooper reps I went ahead and paid those taxes directly. 

I was given instructions to email a copy of the paid taxes and a brief note requested a reimbursement, which I did the first week of XX/XX/XXXX. After more than a half dozen calls to the customer service department, which has absolutely no idea what they are doing and simply resort to lies to appease the customer, they can not tell me when I will receive the reimbursement from my escrow account. 

I have talked to multiple reps and supervisors including more recently, XXXX XXXX and XXXX XXXX in Texas.They have been useless and unequipped to resolve a very simple matter. 

Mr. Cooper needs to reimburse me {$3600.00} from my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: NY

Complaint narrative:
I've sent a wire transfer to their bank ( XXXX XXXX XXXX ) in NY coming from XXXX NY last XX/XX/2017 to fund my Coinbase account. I followed all the instruction stated in Coinbase website how to deposit through wire transfer. My bank has confirmed that XXXX XXXX XXXX has XXXX the {$5000.00} wire transfer.. I opened a file with case ID # XXXX dated XX/XX/2017. I tried to contact their customer support numerous time on phone, email, XXXX, XXXX & internal messaging, but no response whatsoever. It's been over 2 months now & I missed so many buying opportunities in cryptocurrency trading. Please help me get my money back to my XXXX account or deposit to my XXXX account. 

Thank you very much. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX sent me a XXXX XXXX   debt discharged in the amount of {$2000.00} in XX/XX/2015. However they have reported this account to XXXX, Transunion, and XXXX as Opened account more than 180 days late the amount being {$3300.00}. I have written all three credit agencies and I have sent them copies of the IRS form but they will not report this accurately. I now have a Compliance Condition Code placed on the credit reports and have been told in writing that this code will not be taken off until I agree that the information is being reported accurately. I have had hundreds of credit accounts in my 48 years of life and I have not ever been threatened to say something that is fraudulent and inaccurate.

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 2018-02-14 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: Navient Solutions, LLC.
State: AL

Complaint narrative:
I noticed on my XXXX credit report that the company called Navient had posted incorrect information about a Grad Plus loan that was supposedly awarded to me in XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have contacted the corresponding court and they have admitted in writing that they do not furnish the credit agencies any information. 

I have reached out to XXXX and XXXX has suppressed any information to any alleged public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
sent validation notices to OPTIMUM OUTCOMES INC,  they never responded. Also they are listed on my credit report as the original creditor for a medical bills ; plus they have the wrong address listed on the accounts for contact information an number.So when I found the right information I sent notices and telephoned the agency. Spoke with a super visor who said they were send the copies of the original contact, never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently sent Capital One an email in regards to Credit Bureaus, I can say one thing is I finally got XXXX to remove the Un-Authorized Hard Inquiry off my Credit Report. But the battle is still on with XXXX and XXXX. Its been 21 days since my last email and I was told that very same night I do believe that there was an on-going investigation, and in those 21 days I have not heard a thing from Capital One. I dont know whats so hard about this situation. This is 3rd Attempt, the Previous 2 Attempts no results and no answer each so-called investigation more than 45 days old. 

No one within Capital One apparently knows how these Hard Inquires got on my Credit Report as Hard Inquires but I can say one thing this is not fair to me as the consumer when I never filled out an application nor did I authorize your company to pull my credit report. I guess I will have to open a FRAUD CASE against Capital One since how, all your company wants to do is send me one of your automated letters stating that Capital One does pre-screening. What I want to kow is what is your company pre-screening on me. I didnt request yalls buisness, I dont want yalls business, and your business does not belong in my XXXX and XXXX Credit Reports. 

And I dont want your company pre-screening my credit file. All im asking is for Capital One to remove these 2 Hard Credit Inquires from the 2 Credit Bureaus. Whats so hard about that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
Dear CFPB, Please help me CARRINGTON MORTGAGE refuses to help me modify loan because they said is not on their best interest to help me keep my home. CARRINGTON MORTGAGE requested for my full application around 3 different times and now they are telling they are not going to review my application because they don't feel like it. 

Please help!!! all I'm asking is for help to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX was sold an account from XXXX XXXX sold an Account number XXXX that allegedly belonged to me with a amount due of {$3400.00}. I am requesting for XXXX XXXX to provide me with a copy of the original contract, which bears my signature, for the aforementioned account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX sent me a XXXX XXXX   debt discharged in the amount of {$2000.00} in XX/XX/2015. However they have reported this account to Equifax, XXXX, and XXXX as Opened account more than 180 days late the amount being {$3300.00}. I have written all three credit agencies and I have sent them copies of the IRS form but they will not report this accurately. I now have a Compliance Condition Code placed on the credit reports and have been told in writing that this code will not be taken off until I agree that the information is being reported accurately. I have had hundreds of credit accounts in my 48 years of life and I have not ever been threatened to say something that is fraudulent and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-14 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Bank sent me a XXXX C debt discharged in the amount of {$2000.00} in XX/XX/2015. However they have reported this account to XXXX, XXXX, and Experian as Opened account more than 180 days late the amount being {$3300.00}. I have written all three credit agencies and I have sent them copies of the IRS form but they will not report this accurately. I now have a Compliance Condition Code placed on the credit reports and have been told in writing that this code will not be taken off until I agree that the information is being reported accurately. I have had hundreds of credit accounts in my 48 years of life and I have not ever been threatened to say something that is fraudulent and inaccurate.

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 2018-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a letter from XXXX that a fraudulent account that was opened in my name was investigated and was completed with the results being they determined that the account must be deleted which is right .... the account was never opened by me ... I sent all documentation proving that and they completed it and ruled in my favor .... I sent the supporting documentation to experian for them to delete the account and instead they removed like {$270.00} and updated the account ... the account was not supposed to be updated it was supposed to be deleted ... and Im hereby asking them to comply, if XXXX went back on this letter thats their issue not mines it must be deleted thats the resolution we came to ....

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 2018-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Me and my mom bought this house in XXXX. And we got loan from XXXX with adjustable rate. It went go up to 8 % and never go down. 
Then we had business hardship in XXXX and tried fix rate modification but it denied and short sale failed, too. 
One of agency ( XXXX ) help me to prevent foreclosure and i paid every month. 
Three years later i notified i was involved as victim in mortgage fraud when i got a phone call from detective in fraud and cyber crimes. 
Now i tried modification and paid 3monthes trial payment on time to wells fargo but it denied cuz of cloud on title ( slender title ). 
There is 10 people and only one person I know and she was staff of agency. There is no my mom and my name on deed anymore .... 
I WOKE UP IN THE MRN AND I FOUND NOTICE of trustee 's sale ATTACHED MT FRONT DOOR last friday on XX/XX/XXXX. 
Foreclosure sales date is shown on XX/XX/XXXX. 
i am totally lost and i do not know how i can my title back and get modification with principal reduction. 
My house condition as not as much worth than market price as price ... .. 

plz help me how can i 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 explanation