vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent several disputes letters asking this credit bureau to provided me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA.

I have only received letters stating that the account have been " Verified '' I have also asked for a description of the verification methods and the names and phone numbers of the persons who supposedly verified the account. I have never received such information.

These are the accounts that I'm disputing and for which the credit bureau have not provided a satisfactory resolution per the FCRA. 

*XXXX XXXX XXXX XXXX XXXX Acc # XXXX *XXXX XXXX XXXX XXXX Acc # XXXX *XXXX XXXX XXXX , XXXX Acc # XXXX *XXXX XXXX XXXX Acc # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I am writing today ( XX/XX/XXXX ) to bring to the attention of the CFPB aggressive practices by XXXX XXXX  XXXX. 

Freedom Mortgage is the current holder of my mortgage ( Loan Number : XXXX ) ; the company reported in XX/XX/XXXX to the credit bureaus that I did not make payments on time. The report filed with the credit bureaus claims I had a balance of $ 1,000+ outstanding and 30 days past due. I have attached statements from my bank ( XXXX XXXX XXXX ) which show my most recent 3 payments sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX indicating no payment was ever late. The payments I made were in the amount of {$960.00} ( the same amount EVERY month with Freedom Mortgage ). I recently became aware that my payment has changed to {$990.00}. However, I have been living in XXXX dealing with family matters related to the deaths of my father ( XX/XX/XXXX ) and XXXX year old brother ( XX/XX/XXXX ) over the past several months and did not receive the notice of increased payment ( death certificates to be supplied upon request ). I learned about the underpaid amount in early XXXX and called immediately to pay down the small, accrued balance of approximately {$60.00} ( confirmation number : XXXX ). There is currently no outstanding, past due balance on my account and no payment has been missed. My credit score has gone from approximately XXXX to XXXX overnight as a result of this matter. 

I spoke with Freedom Mortgage 's representative XXXX ( ID : XXXX ) on XX/XX/XXXX and she referred me to the Customer Care department. The Customer Care department supplied a letter on XX/XX/XXXX stating they will not retract the report from the credit bureaus. There was never an attempted phone call to alert me to the changed amount nor a grace period for an obvious extenuating circumstance for an otherwise timely and reliable customer. I would like this issue handled promptly and proper notifications sent to the credit bureaus outlining the situation to reverse the impact on my credit report. It is highly aggressive to treat a customer in this manner after paying payments ON TIME EVERY MONTH. The accrued balance was paid IMMEDIATELY upon discovery. There was NO telephonic communication with me during XX/XX/XXXX to inform me of the increased amount so I continued paying the historic balance. 

Please do not hesitate to contact me directly at XXXX. 

Thank you, 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 2018-02-12 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: Ditech Financial LLC
State: CA

Complaint narrative:
According to my credit reports, Ditech is reporting the following negative information to all major credit bureaus : 1 ) Late Payment - XX/XX/XXXX 2 ) Late Payment - XX/XX/XXXX I have never been late on payments. With regards to the supposed late payment for XX/XX/XXXX, on XX/XX/XXXX a representative of Ditech stated that the late payment record ( XX/XX/XXXX ) will be removed from all credit bureaus and any fees associated with the late payment record will be refunded/credited as the payment was never late. 
With regards to the supposed late payment for XX/XX/XXXX, that payment was never late. The late payment record was caused due to Ditechs fault because of the following : For the month of XX/XX/XXXX, I mistakenly initiated a double payment. I made the mistake of making a payment twice. Because of this I contacted my bank to make a stop payment request for one of the duplicate payments. After that I contacted Ditech to notify them of the double payment and to inform them that I contacted my bank to stop the duplicate payment. Ditech assured me that this wouldnt be an issue and that they will take care of it on their end to make sure that I dont incur a returned payment fee. Well it turns out that Ditech refunded me for the payment that was not going to be returned by my bank ( the duplicate payment was stopped by my bank ) without my authorization. Because of this, not only did I incur a returned payment fee by Ditech, I also incurred a late payment fee by Ditech because Ditech refunded one of the duplicate payments without my authorization. I believe Ditech did this on purpose in order to charge me 2 fees ( returned payment fee and late payment fee ). As soon as I learned that Ditech refunded 1 of my payments without authorization, I made a payment to my account since it was considered past due because of Ditechs unauthorized refund of one of my payments. 
I DID NOT REQUEST DITECH REFUND ME FOR ONE OF THE DUPLICATE PAYMENTS.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I sent a wire of XXXX usd to company called coinbase, the money was to be credited to my account with Coinbase, i planned on using these funds to purchase crypto currency. I was informed via email from Coinbase on XX/XX/XXXX, that the wire can not be processed due to the wire not being sent from my personal account. I was informed via the same email that the wire would be returned within 7 business days. Today is XX/XX/XXXX, almost 2 months since I've sent the the wire. I have submitted multiple cases to which I am receiving no response, I have escalated, I have called, Ive filled a complaint with the Attorney General. I have bills that I am behind on and request your aid in resolving this issue. 

Case # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 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: CA

Complaint narrative:
According to my credit reports, XXXX is reporting the following negative information to all major credit bureaus : 1 ) Late Payment - XX/XX/XXXX 2 ) Late Payment - XX/XX/XXXX I have never been late on payments. With regards to the supposed late payment for XX/XX/XXXX, on XX/XX/XXXX a representative of XXXX stated that the late payment record ( XX/XX/XXXX ) will be removed from all credit bureaus and any fees associated with the late payment record will be refunded/credited as the payment was never late. 
With regards to the supposed late payment for XX/XX/XXXX, that payment was never late. The late payment record was caused due to XXXX fault because of the following : For the month of XX/XX/XXXX, I mistakenly initiated a double payment. I made the mistake of making a payment twice. Because of this I contacted my bank to make a stop payment request for one of the duplicate payments. After that I contacted XXXX to notify them of the double payment and to inform them that I contacted my bank to stop the duplicate payment. XXXX assured me that this wouldnt be an issue and that they will take care of it on their end to make sure that I dont incur a returned payment fee. Well it turns out that XXXX refunded me for the payment that was not going to be returned by my bank ( the duplicate payment was stopped by my bank ) without my authorization. Because of this, not only did I incur a returned payment fee by XXXX, I also incurred a late payment fee by XXXX because XXXX refunded one of the duplicate payments without my authorization. I believe XXXX did this on purpose in order to charge me 2 fees ( returned payment fee and late payment fee ). As soon as I learned that XXXX refunded 1 of my payments without authorization, I made a payment to my account since it was considered past due because of XXXX unauthorized refund of one of my payments. 
I DID NOT REQUEST XXXX REFUND ME FOR ONE OF THE DUPLICATE PAYMENTS.

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 2018-02-12 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: CA

Complaint narrative:
According to my credit reports, XXXX is reporting the following negative information to all major credit bureaus : 1 ) Late Payment - XX/XX/XXXX 2 ) Late Payment - XX/XX/XXXX I have never been late on payments. With regards to the supposed late payment for XX/XX/XXXX, on XX/XX/XXXX a representative of XXXX stated that the late payment record ( XX/XX/XXXX ) will be removed from all credit bureaus and any fees associated with the late payment record will be refunded/credited as the payment was never late. 
With regards to the supposed late payment for XX/XX/XXXX, that payment was never late. The late payment record was caused due to XXXX fault because of the following : For the month of XX/XX/XXXX, I mistakenly initiated a double payment. I made the mistake of making a payment twice. Because of this I contacted my bank to make a stop payment request for one of the duplicate payments. After that I contacted XXXX to notify them of the double payment and to inform them that I contacted my bank to stop the duplicate payment. XXXX assured me that this wouldnt be an issue and that they will take care of it on their end to make sure that I dont incur a returned payment fee. Well it turns out that XXXX refunded me for the payment that was not going to be returned by my bank ( the duplicate payment was stopped by my bank ) without my authorization. Because of this, not only did I incur a returned payment fee by XXXX, I also incurred a late payment fee by XXXX because XXXX refunded one of the duplicate payments without my authorization. I believe XXXX did this on purpose in order to charge me 2 fees ( returned payment fee and late payment fee ). As soon as I learned that XXXX refunded 1 of my payments without authorization, I made a payment to my account since it was considered past due because of XXXX unauthorized refund of one of my payments. 
I DID NOT REQUEST XXXX REFUND ME FOR ONE OF THE DUPLICATE PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 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: CA

Complaint narrative:
According to my credit reports, XXXX is reporting the following negative information to all major credit bureaus : 1 ) Late Payment - XX/XX/XXXX 2 ) Late Payment - XX/XX/XXXX I have never been late on payments. With regards to the supposed late payment for XX/XX/XXXX, on XX/XX/XXXX a representative of XXXX stated that the late payment record ( XX/XX/XXXX ) will be removed from all credit bureaus and any fees associated with the late payment record will be refunded/credited as the payment was never late. 
With regards to the supposed late payment for XX/XX/XXXX, that payment was never late. The late payment record was caused due to XXXX fault because of the following : For the month of XX/XX/XXXX, I mistakenly initiated a double payment. I made the mistake of making a payment twice. Because of this I contacted my bank to make a stop payment request for one of the duplicate payments. After that I contacted XXXX to notify them of the double payment and to inform them that I contacted my bank to stop the duplicate payment. XXXX assured me that this wouldnt be an issue and that they will take care of it on their end to make sure that I dont incur a returned payment fee. Well it turns out that XXXX refunded me for the payment that was not going to be returned by my bank ( the duplicate payment was stopped by my bank ) without my authorization. Because of this, not only did I incur a returned payment fee by XXXX, I also incurred a late payment fee by XXXX because XXXX refunded one of the duplicate payments without my authorization. I believe XXXX did this on purpose in order to charge me 2 fees ( returned payment fee and late payment fee ). As soon as I learned that XXXX refunded 1 of my payments without authorization, I made a payment to my account since it was considered past due because of XXXX unauthorized refund of one of my payments. 
I DID NOT REQUEST XXXX REFUND ME FOR ONE OF THE DUPLICATE PAYMENTS.

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 2018-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, I sent a wire transfer of {$500.00} to Coinbase to be deposited into my account to use for trading of cryptocurrency. Coinbase was pretty backlogged at the time, so they said it could take up to 10 business days for the money to be credited to my account. After the 10 business days had passed, the money still did not show-up in my account. I tried calling the company, but they don't have phone support for these issues. I submitted a case through support.coinbase.com, and they just sent me a canned response. I keep sending more emails, and each time I just get a canned response. They think I am under 18, when I am, in fact, XXXX years old. They even had me resubmit a photo of my ID to prove my age. They have not once addressed where my money is or how I can get access to it. I talked to my bank, and they submitted a recall of the wire transfer from the receiving bank. It has been 2 1/2 weeks since they submitted the recall request, and XXXX XXXX XXXX has not responded at all to the request. I don't know any other avenue to get my money back except for your service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
We refinanced 6 months ago with PNC. They added an extra {$1500.00} to our mortgage amount for escrow. We are now being billed {$1000.00} for an escrow shortage 6 months later!! This doesn't seam possible, unless they made a big error at the time of closing! The year before we refinanced, there was another Escrow shortage with PNC. Something seems very wrong here! Their mistakes, have cost us a LOT Of money! We refinanced to better afford our house. We bundled the fees and escrow into our new loan amount! With the shortage, our new monthly mortgage is not too far from where we were before we refinanced! How can banks keep making mistakes like this, and get away with it? 

We have NOT received any tax or home hazard insurance letters to indicate any increase!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CORELOGIC INC
State: MI

Complaint narrative:
Credco did a hard pull without my consent. I have been working with 2 companies for debt consolidation and receiving many calls. I never spoke with anyone from XXXX but they are affiliated with a company I did get a hard pull from and declined an offer. After declining the offer 6 hours layer XXXX, a subsidiary did a hard pull. I had not gone through the full process with XXXX or XXXX ... idk, A micro lender I have a debt with and am trying to consolodate. I never signed the final stages, just doing preliminaries. I found a much better offer. I am closing. I did chat with another lender, assured we were browsing. My credit WAS GREAT, now feeling retaliation.

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 2018-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I received a letter from a local lawyer on XX/XX/2018, stating that I was being sued and that I might need legal help. I was confused by this so I decided to check CCAP to see what was going on. After checking my name and birth date I did see that I was being sued by a company called, XXXX XXXX, this coming XX/XX/XXXX at XXXX. I have never received a letter or phone call from this company to inform me of such. I then did research to see who they were and got their contact information. I called them on XX/XX/2018 and gave them my number and social. They were unable to give me any information and instead directed me to call a local number XXXX, which is a law office. The number continued to go to voicemail. I called the company back to retrieve an account number and address. That is when I hand wrote a Request of Debt Verification letter. I went to the closest post office to me and sent the letter certified mail on XXXX XXXX at XXXX. The company received this certified letter on XX/XX/2018. I have not received a verification of the debt I owe and have had my credit soiled because of this alleged debt. I am being sued and have no idea why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have been having issues trying to resolve delinquent status with XXXX XXXX student loans. I have 3 student loans with XXXX XXXX and was always attending classes. While attending school, you are not forced to pay your student loans. On XX/XX/XXXXand XX/XX/2014, I was attending school like normal, but I took 1 class less than normal because I was in the process of moving. It was never stated to me, that if you take less than 4 classes you are considered " part-time '' and are forced to pay your student loans. I then moved to a new location and I never received any notifications that I was considered " part-time '' and had to pay my monthly dues for my student loans. I was still always enrolled in school and I did not have any due balance because while enrolled in school, you are considered to be a student and not pay XXXX XXXX student loans. On XX/XX/XXXX I noticed that XXXX XXXX was charging me for the months of XX/XX/XXXX and XX/XX/XXXX and since enrolled in school, I thought I did not have to pay, thus XXXX XXXX reported delinquent for 2 months for each of my student loans, which is 3 loans. So I received a total delinquent of 6 for the year! XXXX XXXX should of notified me, whether it was mail, or email regarding paying this loan because I took 1 less class then normal, it classified me as a " part-time '' student. There was no mention of this on the terms of the loan. Now because of this delinquent status, no bank allows me to obtain a credit card, or any loan! They should resolve this as this is effecting me as a student and my overall life due to a mistake that was not mine. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
The company sent me some statements from a previous account that shows nothing about it. When inquired further they told me to pay my debts and stop complaining, its getting costly! In addition they have taken to harassing everyone I know to get in touch with me. 

The information I got does not substantiate ownership of the debt, it was all sent to a very old address and when I asked again for the signed contract and what the bill was for, they refused to send it. If they can not legally prove that I owe them anything than why are they contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
In XX/XX/XXXX, called and asked for lower payments bc of job loss. Was denied and granted an extension which full payment was due the next week which was a struggle and still is. Company calls everyday threatening to file charges. Very rude and unprofessional conduct.

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