vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I have just talked to Seterus representative, and asked him the same questions. I understood that he could not provide me with the answer I wanted, except to go through this process. 
1. Question : why I am not qualified to pay property tax myself? I have been simply told that I can't - due to the home Affordable loan period. However, even in the company 's response on page 34, a Q & A page,  which reads : " Do I have to carry an escrow account on my mortgage loan? A : Your loan documents will determine whether you qualify for an escrow account closure. If you feel you qualify and want to request an account closure, please call us at XXXX. '' It seems to me that there is a way to close the escrow account for my loan. I need Seterus to  explain to me how and why I am not qualified to close the escrow, since it has been a problem from day one of this mortgage. I have been asking the same question from XX/XX/XXXX, 4 months passed I still do not have the answer. 
2. I was told again that the escrow account request is again increased this year, and I need to pay more into it, to have the account become prepaid. I do not understand why I have to be requested to prepay tax to the server of the loan, and the amount has been increased more than the tax increase. I felt it is just a way the company tried to punish me since I have chelanged the company. 
3. I am willing to pay the {$1600.00} for XX/XX/XXXX mortgage, according to the schedule that listed in the company 's answer, and additional {$76.00}, which XXXX said is due to the shortage of XX/XX/XXXX and XX/XX/XXXX ' original payments. These extra amount, should go to escrow account as a prepayment of the tax, as XXXX explain to me. Therefore, when the loan refinanced, the amount should stay in the escrow. Please waive all the additional fees and charges, since I did pay each month on XX/XX/XXXX and XX/XX/XXXX, and I also paid XX/XX/XXXX mortgage in XX/XX/XXXX. 
Thanks, 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 2018-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
I have received ON AVERAGE 2 calls a day from Portfolio Recovery Associates. I called them back to see what they could possibly be calling for ( I have no debt to be collected ) and after giving my name they said they had the wrong number. I was HARASSED for months for something that was not even meant for me! This is beyond frustrating and should NOT be happening!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: CT

Complaint narrative:
XXXX-18 : PHH Mortgage Services attempted to make a phone payment. in order to do this, they required I verbally record my voice agreeing to legal terms not on this company 's website - unreasonable tried to make payment on website - couldn't login. requested password reminder. after 16 minutes, received a reset. after 3 attempts it did not work and locked me out of my account. password requirements were excessive : " Your password should have 8-14 characters including at least 3 from the  following character types : number, uppercase letter, lowercase letter, special character ; no more than 2 consecutive repeating characters ; can not contain your username, first or last name ; field is case sensitive. " tried to contact technical support. website said they were open until XXXX XXXX, called at XXXX XXXX. recorded answering machine said close at XXXX call back during regular business hours. incorrect hours listed on the company 's website. 

can not make payment on time. got paid today. payment due today. I am blocked from paying this on time. I have been trying for over an hour. There is no way to make this payment after XXXX. I was at work until after XXXX. 

Terrible company to work with. This is not the first time this has happened to me. This is my second complaint for similar problems. Last time, I received a letter from the President saying to use their other website : http : //homeloans.tiaa-cref.org. That site has as many problems if not more. I was also offered the ability to make phone payments at the discounted rate of {$7.00} a payment. Crooks! 

I log into 10 websites a month to make payments. This is the only unethical company that blocks me again and again from being able to login, and then charges me for paying late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: AZ

Complaint narrative:
On my Equifax, XXXX and XXXX XXXX credit report, its showing a current balance on the following accounts : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I paid my balance in full and shouldnt have a balance. My current balance on all 3 accounts should be a recent balance of {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
Everytime I try to login online to pay I can not and relieve a message to call the company. The credit card company is Frst National Bank of Omaha and the last time I called them I was told this was resolved. As soon as I get ready to pay again the same thing happens. To make matters worse they leave you on hold forever. By forever I mean over an hour. I don't have much free time as I work so holding for extended periods is unrealistic. The phone number is only good during the day in business hours. I do not recieve a bill by mail as I have paperless billing and even if I did I don't have checks. All my other credit cards that are easy to log into and get in touch with by phone are on time and have never been late. This card keeps getting charged late fees even though they are making it difficult for me to pay them on purpose. I feel as if they've made it difficult to pay to incur more money in late fees. I especially feel this way since I was told it would be fixed and it is not.

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 2018-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
they closed my accounts and its been almost 2 years and cant resolve nothing .I bought XXXX Bitcoin at  that time and they never gave me the coins. 
they canceled the transcations. 
i have proof of emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I made a purchase with XXXX and they did not deliver the goods as promised on the date expected thus items were returned. XXXX continued to charge my card after the items were returned. I disputed these charges with my credit card company and they were initially reversed however they were added back on at a later date.

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 2018-02-16 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: CREDIT ACCEPTANCE CORPORATION
State: NV

Complaint narrative:
THE ACCOUNT IS NOT SHOWING ALL PERTINENT INFORMATION ON " CLOSED DATE '' AND " LIMIT '' .THE ACCOUNT IS SHOWING INACCURATE " LATE PAY '' DATES.

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 2018-02-16 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: AZ

Complaint narrative:
On my XXXX, XXXX and Trans Union credit report, its showing a current balance on the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I paid my balance in full and shouldnt have a balance. My current balance on all 3 accounts should be a recent balance of {$0.00}.

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 2018-02-16 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: AZ

Complaint narrative:
On my XXXX, Experian and XXXX XXXX credit report, its showing a current balance on the following accounts : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I paid my balance in full and shouldnt have a balance. My current balance on all 3 accounts should be a recent balance of {$0.00}.

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 non-monetary relief
Consumer complaint received 2018-02-16 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: Skopos Financial, LLC
State: KS

Complaint narrative:
I had gotten a auto loan with XXXX XXXX in XX/XX/XXXX, and They did repo the vehicle in XX/XX/XXXX for failure to pay. But I have constantly tried to get this company to correct info on my XXXX Credit report where they are stating the account is : 1- Still Open 2- In Collections, Which no one has ever contacted me about this account, 3- Charge-off By this account still showing as open, car dealerships say, it is hard to give me a loan etc. How one account can be listing so many different things I do not know, It should be a Charge-off and closed account etc not all 3..

This is how it was listed in XX/XX/XXXX and still listed as of this complaint, XXXX say they can not change it, etc I feel this is now being intentionally done, This company is very hard to communicate with,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I lease a XXXX XXXX XXXX, with a lease through XXXX XXXX XXXX. I make the lease payments online. Today, I signed into the XXXX website to schedule a payment. A pop-up notice warned me that starting XX/XX/2018, online payments will incur a {$3.00} fee. The fee is not charged to Auto-Pay customers, who have the money automatically withdrawn from their bank account. This fee did not exist, and was not disclosed, when the lease was signed, and is a material change in the lease contract. I submitted a complaint to XXXX, and am submitting this complaint for your review and action. A screenshot of the fee notice is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
THE ACCOUNT IS NOT SHOWING ALL PERTINENT INFORMATION ON " CLOSED DATE '' AND " LIMIT '' .THE ACCOUNT IS SHOWING INACCURATE " LATE PAY '' DATES.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have had an account with PayPal for over 30 days. I have stop using there service due to them holding my payments received by customers. I called to see if it was possible to have the funds available sooner but the representative would not assist me in a professional manner. As a business owner I look at my consumers as always being right and try to solve the issue. PayPal did not even give that opportunity. I was told that I need to have to confirm my identity, have a least up {$150.00} payments from customer but the inconvenience is payments being held every time I receive an order through my XXXX website. I asked to speak with a Supervisor I was placed on hold for over 30 minutes to get my situation resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MA

Complaint narrative:
I have been trying to refinance my home and have been unable to because of a HELOC that was included in a Bankruptcy ( discharged in XX/XX/XXXX ) because the bank, ( PNC ) has refused to give a payoff or report the information to the credit bureau on the HELOC. 
I filed a chapter XXXX Bankruptcy that was discharged in XX/XX/XXXX.PNC was the holder of a HELOC on my property that I continued to pay even though it was included in the bankruptcy.I had tried to obtain a lien release and was quoted a figure of XXXX in XX/XX/XXXX.They claimed I still owed the money even though it was not reported to the credit bureau and they would give no rating in order for my lender in XX/XX/XXXX to do the refinance.They would also not subordinate this lien to a refinance so I had no options.I was paying a 5.25 % interest rate and wanted to refinance it to lower my payments.They were being impossible.I was willing to give them XXXX and get rid of them but they refused to give a payment history to the credit bureau on my payments on the HELOC. 
It cant work both ways, if the debt doesn't exist because of the bankruptcy then it should be discharged as a lien, if the lien still exists they can give a payment history so I can pay them off.They have not given me a statement or a balance in over 4 years despite many requests.As a mortgage servicer aren't they obligated to? 
My attorney told me that PNC was now offering lien releases to clients who were in Bankruptcy when I was, apparently they made errors during the process and they were making restitution.I am attaching a copy of the letter sent to other clients.I called them for my lien discharge and they  said my bankruptcy dates didn't qualify I advised them that it was in the same time frame as the person who received the attached letter and they said they would have a supervisor call.On XX/XX/XXXX I spoke to a XXXX XXXX at XXXX and he advised that he couldn't address all the issues but it had been elevated and within 1 day I would be contacted by a XXXX XXXX.He could not give a contact number and she has not contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I received a call today from XXXX claiming to be Portfolio Recovery. They indicated that they were calling on a recorded line. The called said that she was trying to collect a debt from XXXX XXXX for over {$2000.00}. The called wanted to know if I wanted to take care of this debt and that if I didn't that it could damage my credit file. I indicated that my credit was in good standing with XXXX XXXX and asked when was this debt created. The caller first said XX/XX/XXXX and then said XX/XX/XXXX. I told her that there was no way I could recall something from 20 years ago and that there is nothing showing on my credit file to validate this debt. I also stated thatXX/XX/XXXX was well past the statue of limitations. The caller then asked if I wished to dispute the debt which I stated yes. She asked me if the address they had was correct and I stated yes and she asked if the number she was calling on was the best number to reach me. I also stated yes. The caller stated that I would receive validation in the mail. My number is on a do-not-call list. I don't believe this to be valid. I have never even had a credit card with a {$2000.00} credit limit. Calls like these are very disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: GU

Complaint narrative:
My bank notified me about suspicious activity on XX/XX/XXXX. My account received ten unauthorized charges from COINBASE. These unauthorized charges are double charges from previous purchases I have made from XX/XX/XXXX-XX/XX/XXXX. 

I have tried contacting COINBASE through email and telephone to no response. I have only received an automated " thank you '' email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Eagle Recovery Associates, Inc.
State: IL

Complaint narrative:
XX/XX/2018 XXXX Eagle Recovery called and left a voice mail but the number calling came up on my caller ID as Wireless Caller with a local number XXXX their spoofing their real number in a hoax to get you to pick up the phone. This is the first time they used this tactic to call me.XXXX what's going to be next?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I had gotten a auto loan with XXXX XXXX in XXXX, and They did repo the vehicle in XXXX for failure to pay. But I have constantly tried to get this company to correct info on my Transunion Credit report where they are stating the account is : 1- Still Open 2- In Collections, Which no one has ever contacted me about this account, 3- Charge-off By this account still showing as open, car dealerships say, it is hard to give me a loan etc. How one account can be listing so many different things I do not know, It should be a Charge-off and closed account etc not all 3.. 
This is how it was listed in XX/XX/XXXXand still listed as of this complaint, Transunion say they can not change it, etc I feel this is now being intentionally done, This company is very hard to communicate with,

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 2018-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
yes companies E open date XX/XX/XXXX 2,315 have wrote to XXXX and disputed to XXXX as well no responds back they could not say that the debt belong to me after 4 months still shows as costumer disputes this information ... ... ... .XXXX XXXX XXXX open date shows 2 diffirent dates not the write information XX/XX/XXXX on XXXX and closed on XXXX XXXX XXXX XXXX XXXX open date is XX/XX/XXXX inaccurate dates and as well on XXXX XXXX XXXX XXXX open on XX/XX/XXXX showing closed condiction ... .. 

I would love to get my credit clean so i can start a fresh start and cant due to things like this holding me back trying to better my family and buy us a house all the information i listed upabove that the credit bureau is reporting most was deleted and put right back as thanks for all your help and hope to hear from you soon thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft. I recently sent XXXX and Experian a police case number # XXXX, XXXX XXXX Sheriffs Office in reference to the following fraudulent and unauthorized accounts : XXXX XXXX XXXX and XXXX XXXX XXXX, {$7000.00}. The accounts are fraudulent and dont belong to me at all. I been receiving harassing and threatening phone calls of abusive and profane language, death threats, threats of taking legal action against me, having me arrested and put in prison for life, daily around XXXX XXXX and around XXXX XXXX from XXXX XXXX XXXX and XXXX XXXX XXXX Representatives for over 2 years. This is a serious and egregious violation of The Fair Debt Collection Practices Act under Federal law. The accounts are fraudulent and dont belong to me. The following credit inquiries dont belong to me : XXXX XXXX and XXXX XXXX XXXX The following address dont belong to me : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MN 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 non-monetary relief
Consumer complaint received 2018-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I have contacted this company and requested verification and validation of debt per my right under the FDCPA section 809 a and b. This company refuses to provide to me. I also do not believe they are bonded to collect in my state. This is not my debt and please consider this your direct dispute. I will take all actions to protect my rights even if that means filing a civil suit against you and your client. I will seek actual and statutory damages. This account also needs to be update with all 3 bureaus that its in dispute per the FCRA! Last four of my ssn are XXXX and my date of birth is XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief