vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-31 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I got a new Credit Card with Wells Fargo with a {$5000.00} credit limit. I called to request a credit limit increase to {$10000.00}, but I've got approved for {$7000.00} which I accepted. The representative told me I would see an update in the next 10 minutes. But after 40 minutes the update never happened. So I called back and the second representative told me the reason was that my request was forwarded to a second underwriter to review it in order to get the {$10000.00} I originally requested.He said I would have to wait less than 24 hours. Next day I checked online and my credit limit was updated to {$7000.00} but I've also got three alerts from XXXX  with 100 % inaccurate information : Alert 1 - That Wells Fargo reported I was using over the credit limit and that's not true because my balance was less than 50 % of {$7000.00} Alert 2- That Wells Fargo reported my credit limit was decreased to {$1000.00} which is not true because it was {$7000.00} all the time Alert 3- That Wells Fargo reported my credit usage was over 100 % the credit limit and that is not true because my balance was under 50 % of the {$7000.00} credit limit All these actions from Wells Fargo have caused a big impact on my credit score dropping down almost 63 points from the day before these actions took place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Revolving credit card was opened fraudulently. I have disputed numerous times to have the account removed from my credit report. I have told them that my mail box has been broken into few times. An email was generated that does not belong to me. I need this fraudulent account to be removed from my credit report. seems like Discover is not understanding what is an identity theft. Thank you please help me to resolve this ongoing issue. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
sent XXXX  and police report to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
sent ftc and police report to equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendUp Loans LLC
State: TN

Complaint narrative:
I attempted to complete my standard {$97.00} monthly payment via debit card on XX/XX/2019. The {$550.00} payoff balance populated in the payment field. I backed out to cancel. However, the site submitted the payment for authorization. The amount was not to be authorized, and I did not agree to complete the payment. A phone call to customer service followed, as I was not able to obtain a new draw. Flurish claims that the payment was completed, which I continually claim it was not, and the company refused to edit or cancel the payment, or refund the difference. My requests to escalate the report was also refused by the associates I have spoken with. This is a technical error on the company site. I am asking to reverse or refund the payment and allow the regular installments to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
I had my townhouse financed through XXXX XXXX for about 9 years. XX/XX/2019 I was notified that my loan was sold to Flagstar Bank. My loan is PITI with  payments of {$430.00} per month. On XX/XX/2019 I sent my first payment to Flagstar, XX/XX/2019 sent my second payment, XX/XX/2019 sent my third payment. On XX/XX/2019 I was notified by Flagstar that I was behind on my loan and was told that I needed to pay $   XXXX XX/XX/XXXX. I have never missed a payment! I called Flagstar ( I was on the phone with them fo 4 hours ) to se what the problem was. I was told that when Flagstar bought my loan that they also bought insurance for me at a price of {$1900.00}, and that my new payment is {$820.00} per month! I informed Flagstar that I already have insurance on my townhome with XXXX. I have been insured with XXXX  the whole time that I have owned my home. I was then transferred to Flagstar 's insurance division ( had a three way call ). Told them that I already had insurance and had XXXX Fax my policy over to them ( it is good thru XX/XX/2019 ). The person that I had talked to in the insurance division with Flagstar said I see on you paperwork that you do have insurance, and it looks like you should get a refund. Then I was told that I needed to make a payment of {$820.00} to get my loan up to date! I have never missed a payment!!! I never gave Flagstar permission to purchase insurance for me. I already had insurance. Flagstar is now charging me late fees and are about to hurt my credit. I am afraid if this doesn't get straightened out soon I may lose my home. I am on XXXX and can not afford all of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
We need to have a mortgage discharge filed with the Massachusetts XXXX XXXX County Registry of Deeds for an unused HELOC. 

We opened a home equity line of credit with Citizens Bank XXXX XXXX XXXX for XXXX on XX/XX/2000. The equity loan was never used. We have contacted several local branches and a corporate contact given to us by one of the branches. The contact was XXXX at ( XXXX ) XXXX XXXX, a case number of XXXX was assigned. The results were that no one we contacted from Citizens could find a record of the HELOC. 

If the HELOC was closed/removed for inactivity it should have been discharged at that point, how do we get the mortgage discharge filed? 

If the HELOC is still active, how do we get it closed and the mortgage discharge filed. 

The mortgage transaction was filed by XXXX for Citizens Bank with the XXXX XXXX County Registry of Deeds on XX/XX/2000. The document filed with the registry of deeds show the XXXX tracking number and customer reference number on the bottom of the last page. The original document was returned to : Citizens Bank Document Control Office Citizens Bank Document Control XXXX XXXX XXXX XXXX, RI XXXX A copy of the Registry of Deeds document and a list of all of the Registry of Deeds transactions are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
I signed up for Lexington Law on XX/XX/XXXX to help repair my credit. On XX/XX/XXXX, I was informed by a friend of mine of a lawsuit between the CFPB and Lexington Law ( https : //www.consumerfinance.gov/about-us/newsroom/bureau-files-suit-against-lexington-law-pgx-holdings-and-related-entities/ ) and elected to go with a smaller company who gives you a lot more  individualized attention. 

After being informed of my 5 day right of rescission, I contacted Lexington Law via online chat to cancel my payments ( all I had paid so far was around {$15.00} for a credit report ). They were quite rude at the beginning ( transcript attached ), but after pressing, they said it had been canceled and I was sent a confirmation of cancelation. The email never came through, I pressed them multiple times and they kept saying it was sent but it never arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have a short sale offer for this property. The bank processed the short sale but did not give the buyer an opportunity to counteroffer even though the buyer is willing to increase their offer. A foreclosure will have a deterimental affect on my credit as well as make me liable for deficiency. This offer was provided to the bank in XX/XX/2019.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have tried to dispute the account with Synchrony BankXXXX XXXX on my credit report I learned about this account after pulling my credit reports. The credit card was open in XX/XX/XXXX. The amount owed is {$1800.00}. I called the creditor to inform them that I am disputing this account due to identity theft. I sent all the documents needed to prove my case. I was told this account had payments made. I did not make any payments on this account. I can also provide proof that I did not make or send payments for this credit card. I then reached out to my monitoring service to see if they could help and they also sent a dispute for me and called the creditor to see if they received documents and was told to fax power of attorney again I spoke to XXXX in the fraud investigation team on XX/XX/XXXX and states that they did a social media search and the email associated with my account popped up my information, I advised I do not have a XXXX card once again and the email address that I provided does not match their records for the social media search that they claim they completed. I called the creditor after speaking with my monitoring service to see what the outcome and was told they did have all of my documents including the power of attorney. While I was disputing the credit card from and while they were investigating. I received an alert stating I owed a balance and the balance was increasing. I called them to inform them this account was in dispute and why are they still reporting while being disputed and this is illegal. Also called my Attorney in Fact and advised to fax the fraud affidavit back to the organization to fax number XXXX. XXXX in the fraud investigations team was not helpful other than withholding information and then I call my Attorney in Fact to fax over the information and the claim would be open again allow 72 hours and then he asked if I had spoken to the police and i advised not since the initial police report was filed as the account was opened online using my name address SSN and phone numbers and a fraudulent email address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
i have an acct w/coinbase.com - the garbage about that isnt that i forgit my emaik address but i forgot the password i used on gmail and the verification? s so XXXX wouldnt givr me a temp password and lets say you forget the pass ok ya coinbade acct the only way they will let you bacj on ya acct is by sending that emaik addy a temp password. even though i will enclose the name address and ssn on that account.., :i have emailed them one time every week for the past month anf theyve just ignored me. 
i will attach solid proof of my old acct. 
can you help me get on my acct w/my funds?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a bill from Coast Professional Inc. I owed XXXX I sent a letter XX/XX/XXXX to inquire verification of debt. I asked them in writing for more information on the their company as well along a copy of the judgement against me. I did go to University of XXXX for a semester XX/XX/XXXX, my cost was to be XXXX. I paid back around XXXX .Cost sent me another bill from them XXXX. along with a generic promissory note with a date XX/XX/XXXX which I went to school XX/XX/XXXX. I just want to know what they are charging me for, I want a breakdown of what I am paying for and they will not give 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 2019-05-31 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: MS

Complaint narrative:
Upon requesting and viewing my credit file with Transunion ( XXXX # XXXX ) I noticed several errors on my credit report. I have disputed by certified mail with the credit reporting agency ( Transunion ). Here are the errors that I need Transunion to correct. 

1. XXXX XXXX XXXX This account shows past due 120 plus days. This account was set up to be auto drafted from my bank account and was done so. In XXXX of 2018, I received a letter from XXXX XXXX XXXX showing paid in full and the company cancelled the auto draft ( since paid in full ). This account does not have a balance and was never in the history of the account ever paid late. 

2. XXXX XXXX This account is paid in full. 

3. XXXX XXXX XXXX- This is not my account. I have never done business with the company listed. 

4. XXXX XXXX XXXX- This is not my account. I have never done business with the company listed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Hi, Recently i got notification from 3 credit bureaus about a collection account on my credit report placed by XXXX XXXX XXXX which represents XXXX. 
When i called them on it today XX/XX/2019 they said they got the information from XXXX back in XX/XX/2019 but failed to send me any notification to dispute it, i asked if they have a record showing that a notification was sent out and they said no but they are doing so immediately. 
Also, i called XXXX to dispute it as i believe it was a mistake for charging me the extra month after i canceled my services through their account portal and wanted me to call to verify cancellation. they said they sent me an email requesting me to call but it must have been sent to my spam folder as that is sometimes normal. i did not read the email and it must have been deleted. Did not receive mail afterwards as they explained they normally get their money back when costumers call back again to activate new services. 
I think SW credit services failed to abide by the legal system when they did not allow me to verify and dispute information. 

This is the collection company information : SW CREDIT SYSTEMS L.P. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Thanks for the help,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
My mortgage was sold by XXXX to Specialized Loan Services in the midst of a refinance in XXXX of XXXX. We were informed by XXXX that we had a 60 day grace period after a loan had been transferred and that the refinance would be done in that time. So we didnt pay the XXXX mortgage. At the end of XXXX the loan was transferred back to XXXX. All was settled. In early XXXX I got a warning that my credit rating had dropped due to a delinquent account. Upon investigation I have found that Specialized Loan Services reported my account as delinquent as of XXXX of XXXX. I have contacted them 3 times and have not had a satisfactory reponse. This is the only negative mark, albeit incorrect, on my report and is dragging my credit down from the 800s to the 700s or below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: NJ

Complaint narrative:
My husband has had some very significant health issues during the last few years with XXXX XXXX and XXXX dramatically reducing our household income. I also had to take a considerable amount of time off to tend to his needs. During this time frame we fell behind on our mortgage payments and reached out to PHH Mortgage for assistance. However, instead of helping us, they took us through their loss mitigation process and denied us for mortgage assistance because we were had two car payments. We can not believe that they would turn us down for help without allowing us the opportunity to refinance or pay off our vehicles. We now have a foreclosure sale date on our house scheduled for XX/XX/XXXX and it appears that we will be homeless. We are too old to start our lives over and the house is set up perfectly for my husband. He would be very disorientated if we had to move into an apartment or with family. We have plenty of money to afford a reasonable mortgage payment, but we do not believe we can get PHH Mortgage to treat us fairly. We have never had a single point of contact that we could speak to, as they are never available and are constantly changing. We never understood how we paid our mortgage on time since XXXX and everything was good, but when my husband and I hit a financial blip in the road, PHH Mortgage turned their back on us. Our financial situation has been resolved and we are back on solid financial ground. We should have contacted you sooner to get help in dealing with PHH Mortgage and am hoping it is not too late. We just feel that PHH Mortgage has not followed proper protocol in reviewing our loan and are rushing to foreclosure on us. This is all avoidable as we have sufficient income to afford a reasonable payment and we do qualify for assistance based on our government guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC
State: GA

Complaint narrative:
G C SERVICES XXXX is on my credit file affecting my credit I can't get housing or anything else because this is a collection on my account for a XXXX account that I did not authorize. I have not lived at this address for over 2 years. My ex wife lived there and then rented it to a bunch of strangers and now someone totally different lives at this address. I am frustrated because they will not remove this. I assure you I never authorized this on my credit. they are trying to stick me with a Collection account that states that I am " {$1200.00} past due as of XX/XX/2019. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: MS

Complaint narrative:
Upon requesting and viewing my credit file with Transunion ( File # XXXX ) I noticed several errors on my credit report. I have disputed by certified mail with the credit reporting agency ( Transunion ). Here are the errors that I need Transunion to correct. 

1. XXXX XXXX XX/XX/XXXX- This account shows past due 120 plus days. This account was set up to be auto drafted from my bank account and was done so. In XX/XX/2018, I received a letter from XXXX XXXX XXXX showing paid in full and the company cancelled the auto draft ( since paid in full ). This account does not have a balance and was never in the history of the account ever paid late. 

2. XXXX XX/XX/XXXX- This account is paid in full. 

3. XXXX XXXX XX/XX/XXXX- This is not my account. I have never done business with the company listed. 

4. XXXX XXXXl XX/XX/XXXX- This is not my account. I have never done business with the company listed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERICA REVOLVING ACCOUNT OPEN DATE XX/XX/XXXX AND XXXXXXXX XXXX   XXXX XXXX ACCOUNT # XXXX OPEN DATE XX/XX/XXXX. THESE ACCOUNTS ARE BOTH FRAUDULENT ACCOUNTS. I HAVE BEEN DISPUTING BOTH ACCOUNTS AS FRAUDULENT AND I NEED THEM TO BE REMOVED FROM MY CREDIT REPORT, I HAVE SUBMITTED MY IDENTITY THEFT REPORT TO BOTH BANKS. THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: 2288984 Ontario Inc.
State: KS

Complaint narrative:
Sent email to them on XX/XX/XXXX advised them not to contact me. 
Contacted them on XX/XX/XXXX to make settlement. Got email back wanting more information, sent that to them. Still did not want any more calls. They then called that same evening. 
Then on XX/XX/XXXX they called again I called them back and told them no more calls they said they would no longer contact me and she was blocking all communication. 
XX/XX/XXXX they called again.

Company response to consumer: Closed with explanation