vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mid-Atlantic Finance Co., Inc.
State: TX

Complaint narrative:
I got informed that my car loan account has been transferred to mid-atlantic finance from XXXX XXXX XXXX without notice on XX/XX/XXXX.  I had serviced the loan with XXXX XXXX XXXX for a period of 7 months before this transfer, the issue is that the record I had with XXXX XXXX XXXX [ {$1000.00} ] does n't match the record presented to me by mid atlantic finance [ {$1300.00} ], I made another payment of {$200.00} to XXXX XXXX XXXX which the payment id number is XXXX but not yet included in the copy of receipt I sent, but I took its fotograph and send along with the other receipt. I tried severally to make phone calls, sent e-mails to both companies to resolve this issue as i 'm ready now to pay-off comes the XX/XX/XXXX but all to no avail. please, to whom it may concern kindly assist to re-evaluate the record set it straight once and for all as I cant afford to loose my van. I have spent more on the van for maintanence and its the only means of conveying my kids to school..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Made payments on time but reporting late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 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: TN

Complaint narrative:
I had my student loans via XXXX, then they were bought out by Navient. I started out with a total of about {$28000.00} total after graduation in XXXX. I had a hard time finding a job, so they advised to put it into forbearance without advising me of the interest that would accrue. This happened on a number of occasions. Summer of XXXX, my loan came due and the least they would make my payment was over {$400.00}. I could not afford to pay that much, so they approved me for a {$0.00} payment. AGAIN, they did not tell me interest would continue to accrue. I am now almost in the hole for double the amount I originally had borrowed. These people are crooked and will not help your situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I successfully wired {$12000.00} USD to Coinbase. Today is XX/XX/XXXX and they have yet to credit my account or return the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Made payments on time but reporting late payment

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 2018-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Made payments on time but reporting late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
I received a call at my job from ONLINE Informaional Services, the representative name was XXXX at XXXX. She stated the MM, she properly identified me. I asked for the Validation of the debt to be sent to me, she refused. Also asked for a payment plan, she refused. Instead she mentioned my credit report ask about my line of credit? XXXX, threathen me by saying that she was going to report info to my credit report, if it is not paid by the XXXX of the month. I pointed out that she must send me a letter of Validation because that will be an FDCPA violation. She continued to collect and got frustrated, she then hung up on me saying that i was playing around?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 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: TX

Complaint narrative:
In mid XXXX 2017, I filed a written dispute with XXXX, XXXX, and Experian to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt collectors verifying the debt belonged to me. I've since received notice that my investigation was closed with all accounts verified from ONLY Experian, but didn't get any proof from the debt collectors or credit bureaus with the original signed document. My primary concern it that Experian has incorrect information on my file, and this is prohibiting me from acquiring credit for life necessities. EXPERIAN IS REPORTING INFORMATION WHICH WAS REMOVED FROM THE OTHER CREDIT BUREAUS.

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 2018-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX and a mortgage was fraudulent taken out in my name when I was XXXX  years old. In XXXX my grandmother was battle XXXX XXXX XXXX XXXX, and signed the deed of our family home which was paid for in XXXX to me in XXXX. My grandmother XXXX to her XXXX in XXXX.In XXXX a second mortgage was taken out on the home by XXXX XXXX XXXX owned by XXXX XXXX. At the time I was XXXX years old. To produce this FHA Mortgage fraudulent pay stubs, XXXX, and identification was submitted to open the mortgage. In XXXX XXXX. XXXX was convicted on 180 counts of massive mortgage fraud. Borrowing others identities and producing documents the same way he had done me.In XXXX the Mortgage was purchased by XXXX  XXXX without investigating the origination. In XXXX  the home went into foreclosure. XXXX XXXX tried to force me into a modification although the mortgage was fraudulent. After submitting a fraud packet, verification of birth, social security number, state identification, and school records; XXXX XXXX determined the mortgage was valid; despite the fact the name, Birthday, and documentation are incorrect and are perusing a sale on XX/XX/XXXX.I have attached supporting documents as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Good afternoon, My name is XXXX XXXX XXXX I am having a huge issue with PayPal and I beg for your help. 
A few months ago I had a event in XXXX Florida, my family XXXX XXXX and local XXXX to XXXX. My sales rep. displayed our XXXX at a Golf Event and sold 5 XXXX. Not being familiar with PayPal as I usually use XXXX, I asked PayPal if It were ok for us to invoice and deliver XXXX. I was told yes and that I was covered and protected. I emailed a invoice to each of the buyers, from what I am finding out all of them know each other and from the looks of things are scamming me. Invoice was notated XXXX were delivered and non refundable. 

We sent the buyers each a invoice. 
Invoices : 1. Invoice # XXXX XX/XX/XXXX, XXXX XXXX. Sent a {$4000.00} USD invoice to XXXX. 

XXXX. XXXX # XXXX XX/XX/XXXX, XXXX XXXX. Sent a {$4000.00} USD invoice to XXXX. 

3 Invoice # XXXX XX/XX/XXXX, XXXX XXXX Sent a {$4500.00} USD invoice to XXXX 

4. Invoice # XXXX XX/XX/XXXX, XXXX XXXX. Sent a {$3000.00} USD invoice to XXXX. 

5. Invoice # XXXX XX/XX/XXXX, XXXX XXXX Sent a {$4100.00} USD Invoice to  XXXX. 

All buyers paid for the XXXX and weeks later started reporting the transactions as unauthorized. After speaking to PayPal on several occasions I was told not to worry that would not let this happen to me and the investigation could take up to 6 months. 

On 2 different occasions when these buyers reported transactions unauthorized, I called PayPal and both reps immediately put my account to a positive balance instead of negative again saying they would not let the buyers get away with this. 

Not even a month went by and PayPal decided on the buyers side and started refunding these people there money back. Leaving me without my XXXX and a extraodinary negative balance on PayPal. I am concerned about this as I take care of my credit and have never had a issue before with a negative balance anywhere. I hope CFPB can help me with this matter as I have already consulted a attorney and this is extremely expensive. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
All three credit bureaus ( XXXX, EXPERIAN, and XXXX XXXX ) are reporting incorrect information in regards to my Child Support Account. It registers that I 've paid 100 % of the balance but my report remains effected by late payments. Please help me to get this resolved. 

You 've paid off 100 % of the original amount. 
Balance {$1500.00} Highest Balance $ XXXX Monthly payment {$300.00} Opened Unknown Term months Payment History Youve made 95 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status 120+ Days Late Worst Payment Status No Info Account Details Account status Open Type Child Support Responsibility Individual Remarks 150 Days past due Times 30/60/90 days late

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 2018-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I called SW Credit Systems LP regarding this dept from XX/XX/XXXX. The representative for SW Credit Systems explained this debt was generated in XX/XX/XXXX - then passed along to them. Therefore, this was placed in collections by XXXX in XX/XX/XXXX - 2 years and 7 months later. 

I had no idea this debt was lingering for this amount. Therefore, XXXX DID NOT alert me to this - then I moved/divorced my husband so no other notice was forwarded. The equipment was returned promptly as when he began his service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CT

Complaint narrative:
I submitted a request to my mortgage company, Freedom Mortgage, XXXX, TX. That request was submitted on XX/XX/XXXX and I asked that they pay my property taxes from escrow prior to XX/XX/XXXX. They never responded to that request which was sent via email and they confirmed receipt of that request. When I called Freedom to follow up, they explained that they could not pay my taxes prior to XX/XX/XXXX due to CFPB regulations ( that was statement was made within a recorded phone call with me ). I stated that this seemed very odd given that the property taxes were due prior to XX/XX/XXXX but 30 days of grace are provided for payment. I would like to know if CFPB does in fact have a policy that would disallow Freedom from fulfilling my request. If a CFPD policy to this effect does not exist, I would like to file a complaint against Freedom for deceptive and misleading practices. Thank you for your assistance.

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 2018-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I noticed in my credit a collection under my name XXXX XXXX and the debt is not me. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Account # XXXX Creditor : XXXX Balance {$680.00}

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 2018-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AZ

Complaint narrative:
In XX/XX/XXXX 2017 I inquired to my mortgage company, Cardinal Financial, on what I could do to drop my private mortgage insurance ( PMI ) as we had made several significant home improvements and market values had increased. 

Cardinal Financial sent me a letter on my options. Per my contract I needed to wait 2 years after the purchase of my home before requesting the removal of PMI unless significant home improvements were made - the letter clearly stated that if this was the case the 2 years would be waived. 

I then paid {$450.00} for a new appraisal. As market prices had increased in my area, and in that I had installed a new kitchen totally over XXXX XXXX, I felt I would easily be able to drop the unnecessary PMI. I owe $ XXXX on a house that is worth $ 420k+, thus making me eligible to drop the PMI ( over 20 % equity ) Cardinal Financial did not allow me to choose an appraiser, but rather chose the  appraiser themselves. The chosen appraiser came to the house and appraised the home using comps that were over a year old. Several easily documented comps with closer locations, similar square footage and newer sold timelines were disregarded, and many of the newer higher sold price comps did not have the kitchen upgrades that my home does. 

The appraisal came back at $ XXXX, approximately $ 14k below what is needed to drop the PMI. 

I called Cardinal Financial in mid-XXXX and explained that their appraisal seemed to be in " cahoots '' with them to maintain business, and low-balled our appraisal. I explained that there were several closer, newer, and better comps in the area to do a true price comparison. They continued to explain that I had n't waited 2 years to try to drop PMI, even though I explained to them the conditions from there PMI packet they sent me. 

They had someone named XXXX XXXX call me in mid XXXX. I was unavailable at that time, but I called back and left 3 or 4 messages with XXXX in the meantime. He has not returned my call and no action has been taken. 

Cardinal Financial chose the appraiser ( even though I paid for it ), and the appraiser wanting to continue the business relationship with Cardinal Financial, low-balled the appraisal so that I could not drop the PMI, which is also a business partner of Cardinal Financial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
All three credit bureaus ( XXXX, XXXX, and TRANS UNION ) are reporting incorrect information in regards to my Child Support Account. It registers that I 've paid 100 % of the balance but my report remains effected by late payments. Please help me to get this resolved. 

You 've paid off 100 % of the original amount. 
Balance {$1500.00} Highest Balance $ XXXX Monthly payment {$300.00} Opened Unknown Term months Payment History Youve made 95 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status 120+ Days Late Worst Payment Status No Info Account Details Account status Open Type Child Support Responsibility Individual Remarks 150 Days past due Times 30/60/90 days late

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 2018-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
All three credit bureaus ( EQUIFAX, XXXX, and XXXX XXXX ) are reporting incorrect information in regards to my Child Support Account. It registers that I 've paid 100 % of the balance but my report remains effected by late payments. Please help me to get this resolved. 

You 've paid off 100 % of the original amount. 
Balance {$1500.00} Highest Balance $ 0 Monthly payment {$300.00} Opened Unknown Term months Payment History Youve made 95 % of payments for this account on time. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last  payment XX/XX/XXXX Current Payment Status 120+ Days Late Worst Payment Status No Info Account Details Account status Open Type Child Support Responsibility Individual Remarks 150 Days past due Times 30/60/90 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: DC

Complaint narrative:
I have had issues with XXXX XXXX for the past 3 -4 years. In XX/XX/XXXX when I started my payments I asked about the amount that was due was not the same as the amount borrowed. I borrowed funds for 5 of the 6 semesters that I attended XXXX University for their XXXX   program.  I contacted XXXX XXXX about t he issues and they stated that it as nothing they could do. In XX/XX/XXXX I called and submitted for my loans to be deferred due to not working, The representative stated that I might get a letter stating that I would have a payment, but I would not need to make the payment due to me requesting for the deferment. However a few month later the XXXX XXXX stated that they had no record of me calling and requesting for the deferment and my payments had tripped to almost $1,000 a month. Again I submitted information and requested for the income driven repayment plan and my payment was changed to an affordable amount. In XX/XX/XXXXXXXX XXXX   did not notify me of my re-certify date and they again changed the amount due. Due to me not receiving notice of the change of the amount due I kept paying usual amount. However XXXX XXXX reported that I made no payments. In XX/XX/XXXX I received an e-mail stating that I needed to re-certify for my income driven repayment. There was no date listed as to went I needed to complete this re-certification so I attempted to call XXXX XXXX to clarify why my loan amount due had increased before completing my application, however I was not able to get through on the phone.. In XX/XX/XXXX I completed my re-certification and received an e-mail from XXXX XXXX   stating that my application was being processed. On XX/XX/XXXX I received an e-mail from XXXX XXXX where they again lied and said that I did not complete my re-certification. When I call XXXX XXXX it says that "due to high call volumes" I need to call back later and then the phone hangs up. XXXX XXXX is a dishonest company and they are simply being fraudulent in attempts to make people pay late fees and additional payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
-XX/XX/XXXX - I transferred {$10000.00} USD from XXXX account to my XXXX XXXX account that had been verified by Coinbase/XXXX. The website claimed this would take one business day, as it had for me in the past. 

-XX/XX/XXXX - I transferred another {$10000.00} USD from XXXX to the same bank account. 

- XX/XX/XXXX - I received one of the transfers. 

- As of today, XX/XX/XXXX, I am still waiting on the second {$10000.00} transfer. less the {$25.00} transfer fee. 

-Support has been essentially non-existent. I have sent 8 emails, 3 of which have been answered with canned responses, all with the same generic message : " We are looking into it ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MN

Complaint narrative:
XXXX XXXX Date : XXXX XXXX, XXXX, Source XXXX  & XXXX Company XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date : XXXX XXXX, XXXX, Balance {$2400.00} XXXX XXXX XXXX I honestly do n't know who are they and they are not providing me any information. I even requested and faxed to send me a proof and no one responded and I have my faxed receipt copy.

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 2018-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
This debt is from XXXX XXXX, 2014 -- 3 years and 1 month old. This is a Medical Debt that 1. ) I did n't know existed 2. ) I understand that medical debts are not to appear on a consumers credit 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