vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: NY

Complaint narrative:
I have made a total of 9 complaints on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and responded on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX They had an address on file to be verified and true it took 6 complaints to remove. Seems like noone at this comapny like to do there job as a result I have contacted CEO XX/XX/XXXX and will continue to do so till all false and misleading information is removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Select Resource Group
State: FL

Complaint narrative:
Every month with today XXXX/XXXX/17 - XXXX EST being the latest call. I received an aggressive message stating im leaving no choice but to file suit, garnish wages, notify employer of debt, time is running out to resolve the issue, its in my best interest to contact them. they have my social and its my last chance?

Company response to consumer: Untimely response
Consumer complaint received 2017-08-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has reinserted a removed item from my credit report without notifying me in writing within the five business days required which is in violation of the FCRA, ( A ) ( 5 ) ( B ), which carries a fine of 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 2017-08-21 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: 21ST MORTGAGE CORP.
State: OK

Complaint narrative:
Payments I have made and have the correct dates. This company not given me credit for some, They also, have sent me letters and charged me for being late at least 30 days when I was not. They do not reflect the dates when the payment is made due to a indept accounting statement. I have kept receipts and the employees change too often. Their time is Eastern and mine is Central Standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I obtained a copy of my credit report on XX/XX/XXXX.It turns out that someone has been applying for credit in my name from XX/XX/XXXX but was unsuccessful because I have limited credit history.I contacted TransUnion to get the inquiries removed and all they wanted was to get me off the line.The first inquiry is from XXXX XXXX on XX/XX/XXXX.The second is from XXXX XXXX XXXX onXX/XX/XXXX and the third is from XXXX XXXX on XX/XX/XXXX.I hope that I can get my report to show my true credit responsibility.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
Please restrain yourself from making absolutely useless regulations - or preferably any regulations. EXAMPLE. I have had a closing delayed by over three weeks and now found out that I need to wait an additional three days to close because of your regulations. This is costing me thousands of dollars in hotel costs and animal boarding costs for absolutely no reason. And the lender is so afraid of your omnipotent and unrestrained powers that they wo n't do the sensible thing and just let me close the blessed deal. You will never be able to protect stupid people from doing stupid things and the rest of us who know what we are doing do not need or want your supposed protection. If you have to do something to keep yourself busy, just give data and information. If it 's useful, then I can choose whether or not to use you instead of forcing me to vote XXXX so that you will be defunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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: TX

Complaint narrative:
XX/XX/XXXX after reviewing my credit report I noticed that there are several inquires that do n't belong to me.
XX/XX/XXXX I called Transunion asked to speak with a US representative and requested that they remove several of the incorrect inquiries. Several different reps ( as I called various times ) advised me to contact the credit company itself to have the inquiry removed ( since they stated they could not do it ). I spoke with a rep from XXXX XXXX at XXXX and she advised me to contact XXXX XXXX XXXX directly at XXXX the rep there advised me that they have no record of me applying for credit and that I need to contact Transunion with this information. I called Transunion to advise of the XXXX findings and they still refuse to remove the inquiry from XX/XX/XXXX ( there is one that they sent to XXXX XX/XX/XXXX) because its over 6 months old. The Transunion rep stated that I should contact CFPB and issue complaint against XXXX  but my issue is with Transunion not removing the inquiry from their report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
XXXX XXXX XXXX took over our home loan around XXXX and before we had no trouble with any payments or any issues with the previous mortgage company XXXX XXXX. Ocwen is now stating that we are up to 6 months behind in our home mortgage payment and will not take any of our payments as we have sent over 4 payments to them. They have sent every cashier 's check for the amounts of {$1000.00} in XX/XX/XXXX, XX/XX/XXXX for {$1000.00} back to us and have stated to not to send any more payments to us. We have called them and asked how to resolve this matter and they stated we had to send {$5900.00} and it would up to date.We spoke with them on XX/XX/XXXX and they stated they could not help us unless we payed the amount in full or we would be foreclosed on.l Our house has been listed on the internet without our knowledge for foreclosure but now has been taken down. We have a XXXX XXXX XXXX total XXXX great grandson who we have raised since birth and have lived in this house XX/XX/XXXX. He has XXXX, XXXX XXXX, He can not walk and is confined to wheelchair but he talks in his own way. We have to feed him, he is total care. We have told Ocwen this over and over and they do not care and will not work with us even when he stands to loose his own home that he has only known.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
dates from XXXX XXXX XXXX TO XXXX XXXX XXXX EQUIFAX AND XXXX CREDIT BUREAU OVER THESE MONTHS I HAVE DISPUTED FOR ACCURACY AND VERIFICATION AND VALIDATION OF PUBLIC RECORDS, NEGATIVE ACCOUNTS AND INQURIES THAT WAS UNAUTHORIZED. NOT ONLY DID I DISPUTE THESE ITEMS BUT I REQUESTED FOR THE METHOD OF INVESTIGATION AND I REQUESTED FOR CERTAIN ACCOUNTS TO BE CHECK FOR ACCURACY AND IF THEY WAS, TO PLEASE UPDATED THEM IN MY CREDIT REPORT AND TO EXPLAIN HOW THEY WERE VERIFIED. OVER 3 SEPERATE DISPUTES I REQUESTED THE SAME REQUEST AND THEY NEVER DID. WHICH IS A VIOLATION OF THE FCRA.. THEREFORE THE ARE OVER THE 30 DAYS DISPUTE ON EVERY DISPUTE I FILE. I ALSO FILE DISPUTE FOR INQURIES AND THEY NEVER DISPUTED THEM. WHICH IS A VIOLATION OF THE FCRA.. THEY ARE ALSO OVER THE 30 DAYS. EQUIFAX HAVES DISPUTES THAT I SENT THEM, THAT THEY NEVER DISPUTED AND THEY ARE NOT FRIVOUS DISPUTES I AM REQUSTING THAT THEY DELETE AL THE NEGATIVE ITEMS THAT DISPUTE FOR NOT VERIFYING THEM WITHIN THE 30 DAYS, OR I WILL FILE COURT INJUNCTIONS AND CIVIL SUITS AND MORE COMPLAINTS. ALSO COMPLAINTS ITH THE ATTORNEY GENERAL. THESE ARE THE ACCOUNTS THAT MUST BE DELTED. THEY ARE ALSO INVOLVE IN FRAUD 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX PUBLIC RECORDS 1. TX BANKRUPTCY XXXX 2. TX BANKRUPTCY XXXX 3. MO BANKRUPTCY XXXX INQUIRIES ARE THE INQURIES THAT I DISPUTED. I ALSO REQUESTED A FREEZE ON THESE CREDIT REPORTS AND SOMEONE IS STILL GETTING INQUIRIES FROM MY CREDIT REPORT AND THEY JUST DONT CARE. THESE COMPLAINTS THAT I AM FILING IS VERY TIME COSUMING BUT IF THEY CONTINUE TO WASTE MY TIME, THEN THEY WILL PAY WITH LAW SUITS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Property : XXXX XXXX XXXX XXXX XXXX, WA. XXXX Owner : XXXX XXXX To Whom This May Concern ; This short sale transaction has been closed out once again through the Equator. We 've been trying to work on this now since XX/XX/XXXX. They keep closing it out because the investor is supposedly declining it. The seller had received a letter from Bank of America back in XX/XX/XXXX ( please see attached ) stating if she participated in the short sale process she would be eligible for $ XXXX for her corporation to be able to relocate.
I feel that the letter received from Bank of America to our mutual client should be honored as it states on the letter. It does not state only if she qualified for the program or if the investor approved the short sale. It was very misleading.
Also their is now a foreclosure sale date set on the property for XX/XX/XXXX.
Please help us help our client avoid foreclosure. She has tried to do everything possible to avoid foreclosure, along with trying to complete a modification which she was denied of to.
We all believe that it 's not right to not honor the letter she had received informing her she was able to proceed with the short sale of the home and to be able to receive the incentive that was offered for her to participate in the program with Bank of America. The buyers we have are still interested in purchasing this home and the offer received is a fair market offer on the property in questioned.
Please advise as to what can be done about 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 2017-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ray Klein, Inc.
State: WA

Complaint narrative:
Professional Credit Services showed up at my doorstep with legal paperwork outlining a debt that we owed. We attempted to call them to pay the debt, and when we did they told us that we couldnt have documentation until we put a downpayment on the debt. They told us they " dont do that. '' They want me to give them money without anything saying that they would halt the legal process. In fact the person told me that they would not proceed with legal ave ues if we paid them the money. Again no documentation was going to be given. The amount also keeps changing. It was around 550 and now its XXXX?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Contacted bank of america customer service via 1800 number on the back of my card on XXXX/XXXX/2017. was advised the transfer of funds from my credit card to my checking account would be effective within 2-5 business days. Time frame was not met, funds have still not been received. Called today at XXXX EST and spoke with a supervisor named XXXX, who advised me this would be available and fixed within no later than 2 days. Still seeking resolution and investigation. A refund was issued from a merchant, after my credit card statement was paid in full. Now my credit card has a credit of XXXX dollar balance, Which makes it difficult to use my credit card because my balance will be negative, meaning bank of america owes me money, and that will not reflect positively on my credit usage and credit utilization towards my credit score.

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 monetary relief
Consumer complaint received 2017-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: 3rd Generation, Inc.
State: CA

Complaint narrative:
Company repeatedly calls about 4 times a day and then from blocked numbers. Company left a message with  private information on the voicemail. ASked the comopany to only contact me through mail. The company would call my employer and repeatedly call my phone. The company was notified of the loss of my daughter and was told to give the family time before contacting them and they still continued to call making comments like " OK and she still owes this debt '' Very insensitive about the passing away of the primary driver of the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Pursuant to my debt validation request, on XXXX XXXX, XXXX, Rash-Curtis & Associates, a collection agency, provided me with debt validation support documentation. On XXXX XXXX, XXXX, I wrote a response to the collection agency indicating that the statement from their client, XXXX XXXX XXXX dated XXXX XXXX, XXXX for XXXX XXXX Co-pay for XXXX in the amount of {$140.00} was inappropriately billed to me. In my letter, I mentioned that the aforementioned charge is a XXXX XXXX XXXX XXXX XXXX XXXX, which should be billed to XXXX. XXXX XXXX/XXXX/XXXX statement, copy attached, clearly reflects that the XXXX XXXX is XXXX XXXX ( Upper right side ). As a note, I am a XXXXyear-old individual entitled to XXXX benefits. XXXX is XXXX provider that handles Part D benefits. Finally, in my letter I also mentioned that I was not willing to pay for inappropriate billings. Rash-Curtis has not responded to my XXXX/XXXX/XXXX letter. 

Although I properly notified the collection agency that I disputed the debt, on XXXX XXXX, XXXX, I received a notification from XXXX informing that the XXXX XXXX XXXX invoice for {$140.00} had been reported as a collection debt. Because Rash-Curtis actions are clearly not in compliance with the Fair Collection Practices Act, I hereby request that this collection item be immediately removed from XXXX records as well as the files from other credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
i took out student loans with XXXX XXXX now navient back in the late XXXX to early XXXX due to the fact i was enrolled in college and i wasnt able to get grants so i got in major debt by taking out student loans in order to attend and graduate from the university of XXXX in XXXX since then i have had my loans temporarily placed on hold by forebearance, courtesy holds, and deferments. i dont have the dates or time frames for any of these available but all of this has taken place since XXXX to the present XXXX i am still in major debt to navient formerly XXXX XXXX. navient has never tried to suggest to me to attempt different repayment options and chose to place me on the aforementioned holds whenever i called them thus making my interest to be capitalized throughout the years and thus causing my total that i owe to become even higher and keeping me in perpetual debt to them. and even now or recently i have applied for student loan forgiveness, income driven repayments, etc to only be rejected each time by navient and this is not fair. they are completely unwilling to work with me or help me in my financial situation. the excuse is always my gross income is too much but what they fail to realize is even though my gross income may not  qualify me i have alot of debt from credit cards and other monthly bills that have to be paid that makes it very diffficult to pay each month what navient demands. i l need help here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Every where on the internet including federal trade commissionsays don '' t trust a business to clear your credit report they have n't seen one yet do it right or correctly ... Save your money. So then all over the internet it says its possible to do it yourself and thats about it. then everyone just talks circles about how you can do it yourself ... And never tells you how?? Or gives you a step by step guide on how you can remove negative marks on your credit report. So please how do i get this done?? I have one collections that i paid two years ago imeadiatly when i found out about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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: ID Analytics, Inc.
State: VA

Complaint narrative:
SageStream LLC evidently does n't now know and report, even after my telling them, what every other reporting agency has known sinceXX/XX/XXXX2016. That 's when my disagreement with XXXX XXXX XXXX was finally settled and the judgement, which never should have been processed, was removed.
Yet SageStream LLC persists in damaging my credit rating nearly a year and a half later. I was just denied a loan because of them.
My score with XXXX is appro
x XXXX. SageStream appears to suffer more than a lack
of due diligence. They seem unwilling or unable to function as they 've been authorized to function.
Please do a web search to find numerous similar complaints.
I 'm asking that their licence to practice their profession be reviewed. It 's a systemic problem. I 'm told that " most credit card applications are checked th
ru SageStream LLC. so they are positioned to do a lot of damage to customers. Every legitimate entry that has been on my record have been medical bill that the VA Choice progra
m eventually pays.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Every where on the internet including federal trade commissionsays don '' t trust a business to clear your credit report they have n't seen one yet do it right or correctly ... Save your money. So then all over the internet it says its possible to do it yourself and thats about it. then everyone just talks circles about how you can do it yourself ... And never tells you how?? Or gives you a step by step guide on how you can remove negative marks on your credit report. So please how do i get this done?? I have one collections that i paid two years ago imeadiatly when i found out about it.

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 2017-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
I submitted a purchase of XXXX ETH to Coinbase for {$2000.00} USD on XX/XX/XXXX XXXX. The exchange rate applied at the time of purchase was {$280.00} USD. On XX/XX/XXXX I received an email saying that the order had been cancelled. However, from the time of purchase on XX/XX/XXXX to the time that I was informed my order had been cancelled, the value of ETH increased to {$340.00} USD. Coinbase arbitrarily denied my purchase and costed me hundreds of dollars of potentials ETH gains in the process. I have attached the emails I received from Coinbase as supporting documents.

Company response to consumer: Closed with explanation