vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-31 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Report # XXXX XXXX XXXX 2018 Experian has on my credit report your statement in which I did not say in XXXX as that's there words. Experian has yet to provide proof of a charge off by XXXX XXXX showing {$770.00} written off I have attach a letter from XXXX XXXX showing there was or no money owed by XXXX XXXX. Experian has on my credit file {$770.00} written off with no documented proof from XXXX XXXX showing this balance or a charge off. MY NEXT ISSUE WILL BE LEGAL ACTION ON Experian FOR NO PROOF OR DOCUMENTS PROVEN WHATS STATED BY EXPERAIN.

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 2018-01-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I participated 360 Capital One {$200.00} Money Market Account Bonus promotion. I opened a 360 money market account with the promo code XXXX and deposited {$10000.00} into my account on XX/XX/XXXX. The terms of the promotion was to deposit XXXX by XX/XX/XXXX. I have not received the {$200.00} bonus as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Im writing this letter in hopes you can intervene to get XXXX XXXX to properly review our loan for assistance options, and keep me in my home. The issues began when I lost use of my car, which as you know, in South Carolina, is a necessity. The unexpected expense of getting it repaired made it difficult to stay afloat. 

I attempted to contact Chase to work something out until I could get back on my feet. I would receive letters in the mail, but every single time I tried to reach someone on the phone, no one would speak to me. It was, and is still a nightmare. 

Then out of the blue, one Friday morning, I heard a knock on my door, and a stranger hands me a foreclosure notice! It was a shock. I knew I was behind, but I was finally starting to get back on track and had been trying my best to explain this to Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: CITIBANK, N.A.
State: FL

Complaint narrative:
CITIBANK is reporting deformatory information on me, I dont have a copy of this information and it is my right to see it, i recently went to open a checking account and the banker told me citibank is in the system saying i owe them XXXX,,,,,,, well in fact I never received a ''BILL '' from citibank, you see a ''bill '' would define something that you owe, and a ''statement '' does not show what you owe, just a ledger record, also citibank is keeping secret accounting records and will not show them to me, also citibank sold a check that was allegedly bad and claim i owe them for it, THEN WHY THE XXXX DID THEY SELL IT TO A FINANCIAL INSTITUTION IN XXXX OF WHICH I TACKED DOWN THE 15 DIGET NUMBER, they refuse to give back the original instrument with my wet ink signature because they sold it, so therefore what justifies any debt, they are liers and fraudsters and i will be following up with tangible facts of thier crimes, CITIBANK AND ALL BANKS ARE XXXX CRIMINALS, YES THEY ARE, THEY THINK NOBODY KNOWS THIER TRIX,

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 2018-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery has taken old debt that was discharged in bankruptcy and added onto my credit. I spoke to different representatives and they stated the this account was purchased in XX/XX/XXXX. However, any accounts with XXXX were filed under bankruptcy. Also, XXXX XXXX purchased accounts from XXXX and while account was on my Account Name Original Creditor Open Date Balance Debt Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX {$550.00} {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX credit as XXXX XXXXXXXX, Portfolio Recovery as reinstated the debt to read XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: GA

Complaint narrative:
Im writing this letter in hope you could intervene and get Home Point to properly review our loan for assistance options. The issue started in XX/XX/2017, when I was injured while on the job. Up until this point, I had a dependable salary, XXXX. 

After the accident, I was assured workmans comp would help while I was focused on recovery. Unfortunately, they were difficult to work with, and I eventually had to take them to court to cover even the medical expenses. I, of course, had an emergency fund but this was exhausted by XX/XX/XXXX. 

During this time I did what I could to keep myself afloat. When I first contacted XXXX XXXX XXXX, they set me up with a forbearance, which I was grateful for. Sadly, when it came to the end of the year and I could get back on track, no one at the bank would speak to me. When I finally received correspondence, I was shocked to learn that I am now in danger of losing my home. 

It has been a difficult year, with the injury, rehabilitation and associated medical expenses that I had to pay out of pocket. My workmans comp case is now in meditation, and will be resolved soon. I started receiving XXXX XXXX payments late last year. The last step is to get my mortgage back in good standing, which I have been trying and would like to do. I need a reasonable, affordable payment plan. Home Point refuses to help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
XXXX XXXX XXXX has continued to provide false information on my credit files. Trans Union and XXXX have not corrected this inaccurate information, nor have they truly verified. The creditor was allowed to lie. 

On my Transunion Report, XXXX listed my account with a 60 days past due in XX/XX/XXXX and a 30 days past due for XX/XX/XXXX. 

Then on the Experian Report, XXXX listed my account with a 60 days past due in XX/XX/XXXX and 30 days late for XX/XX/XXXX. 

I have provided PROOF of PAYMENT, TRACKING AND STATEMENT/LETTERS from XXXX indicating that I was NOT LATE. This has been and ongoing issue with clear violations by XXXX and continued by Trans Union and XXXX. 

I have kept the records of previous disputes and receipts of mailing and receipts of information not being updated correctly. 

I have initiated multiple disputes to fix this. The last dispute I provided the following : Credit reports listing false late payments and corresponding disputes XXXX letter dated XX/XX/XXXX responding to my payment dispute and request for correction XXXX letter dated XX/XX/XXXX verifying acknowledgement of timely XX/XX/XXXX payment received on XX/XX/XXXX with overage applied to principal Copy of Payment sent ( MO XXXX ) and USPS TRACKING # XXXX XXXX XX/XX/XXXX statement for XX/XX/XXXX statement indicating current status Payments for secured funds in XX/XX/XXXX & XX/XX/XXXX and XX/XX/XXXX payment tracking

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 2018-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
When set my account up for autopay when Nationstar first took over the servicing of my loan, five years ago. 

My mortgage payments were auto drafted from my account without incident until XX/XX/XXXX, when my mortgage payment was not autodrafted. 

I was not notified that my payment was not autodrafted or even that my autopay would be ending. Instead, I received twice weekly cold-calls/emails from Nationstar regarding refinancing my loan. 

I even spoke with Nationstar representatives on XX/XX/XXXX and was never informed that my account was delinquent or that my autopay had ended. Instead, I was solicited again regarding refinancing. 

Fortunately, I checked my bank account and say that the payment was never drafted on XX/XX/XXXX and called to get my late fee removed, but I received no answer as to why that payment was not autodrafted. Or an explanation why I did not receive electronic notification of the delinquency/autodraft failure..particularly when all my communications with Nationstar were electronic and I received so many marketing/refinancing solicitations from Nationstar during XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Good evening, I recently opened an account with a company called Coinbase.i gave all of my information via the internet i.e. Proof of I'd, bank details, address etc. All was ok. 
To verify my bank account they asked for a small amount to be deposited which I did, after three weeks of trying to get in touch by email and phone I have given up. The last email I replied to I sent a copy of my bank statement showing the money had left my bank account, my bank also confirm it has gone into The coinbase bank account. I had an email from a gent called XXXX who said it would be sorted out, but still not. My bank is still showing unverified on my coinbase account so am unable to transfer any of my money from them.I am a XXXX citizen and am regulated by the XXXX. Who regulate finance and banking within XXXX and in my line of work this would never happen. Please can you assist as I'm running out of patience. 

Many thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
I have never been this stressed out and upset with a process, it is absolutely unacceptable that my income is not being used even though Im providing proof of my income. It has been difficult to contact the specialist from Fay Servicing on my case which is XXXX XXXX. I have an organization helping me and they have not had any luck contacting her either. I have gone to the office of the people helping me and when they call Fay Servicing XXXX XXXX is either out of the office, or she has the flu or she is on another call. I ask for them to send her an email to call me or the organization helping me and they have not. XXXX XXXX supervisor has not contacted us either. The reason for all of this is because I want to know why for the third time they are not using my correct income. One of the times I was denied was due to me not circling my rent deposits on my bank statments as stated by XXXX XXXX. How absurd is this? Now I circled my rent on my bank statements and I sent everything over and they denied me for having low income. When I called in and asked what was the verified income they used to review my case I was informed by another Fay Servicing agent that the income used was {$1300.00} of course I am going to get denied because I dont receive this in rent. I receive more than {$6000.00} in rents. They are still not using the correct income. I dont want my home to sell and its become so stressful I have ended up in the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: PA

Complaint narrative:
Transunion XX/XX/2018 XXXX # XXXX Transunion has XXXX XXXX as Charge off showing on my credit file. I dispute the information by transunion unless a document from XXXX XXXX is provided as proof. I have attach a document showing from XXXX XXXX there is or no money owed to XXXX XXXX. I need document letter showing from XXXX XXXX there is money owed or was owed on this loan and for Transunion to provide what is ask by documented proof from XXXX XXXX disputing the attach document I have from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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 — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
During the month of XX/XX/XXXX, I submitted a request for a XXXX adjustment of my credit reports. The Adjustment was denied. My adjustment was based on the fact of my wife passing away on XX/XX/XXXX. The late payment was reported along this time frame as well. The missed payment was an inadvertent error on my part due to the dilemma I was in at the time. The payment was made current immediately and the account has been paid in full prior to terms of the agreement. I honestly feel my request was reasonable and I also feel that this creditor is being unreasonable in this instance based on the circumstances aforementioned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC
State: TX

Complaint narrative:
We were gravely impacted by hurricane Harvey that hit XXXX. On XX/XX/XXXX, the first floor of our home was completely lost resulting in the policy limit amount being paid to our mortgage company, Pacific Union Financial in XX/XX/XXXX. Our family was forced to cash out all retirement accounts and savings in order to begin construction on our home and prevent further damage in the amount of {$21000.00}. We did not receive a building payment from Pacific Union to repair our home until XX/XX/XXXX in the amount of {$49000.00}. Following this payment, and in the process of attempting to secure another payment to complete construction of the property, Pacific Union transferred our loan and I was informed by the XXXX XXXX  ( Loss Draft Associate ) that I would no longer be able to continue progress on my home until I could contact the new mortgage company and my escrow account could be moved. We have now been living in a hotel for close to six months and this company has postponed, delayed, and impede every attempt our family has tried to make in recovering from the hurricane damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo credit card I was authorize person, my name is already off from Wells Fargo but still appear as Im still authorize person in credit report. The one that has a credit line if {$17000.00}

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 2018-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
The month of XX/XX/XXXX I discovered that Capital One had closed 2 of my credit cards due to Identity Theft that took place over the week of XX/XX/XXXX with fraudulent charges made, use of rubber payments to create more credit for them to use to make charges on my cards. Capital One closed these cards and reported it to the credit bureau 's as closed by them, but not for identity theft. I opened a fraud case with them which they have now closed stating it was not fraud, however it was. My SSN was stolen, I filed a police report with the XXXX Police Department in XXXX, NE. They did nothing in regards to my SSN or my credit cards being hacked into. 

It is VERY apparent that my cards were hacked into. However Capital One will not take blame for this, they will not reopen my cards, and they will no longer review this case as they have closed it apparently. I feel I have been failed by my local police department, the government, reporting bureau 's, and the credit card companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: OH

Complaint narrative:
Beginning XX/XX/XXXX, I was applying for an IDR or IBR plan. They repeatedly rejected this option, even though with the combined income of my husband and I, we made approximately 45,000 for that year and with both of our loans combined we owe over 30,000. Beginning XX/XX/XXXX, I was receiving emails stating to reply Yes to forbear payments. I replied yes to every email received, sometimes three time in the same week. Nothing was done. They are now requesting payment to the tune of $ XXXX/month, when it is clear they have ignored my requests and they are aware, based on the IDR application, that this amount is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
My XXXX account closed on XX/XX/XXXX is being reported as late despite a clear mistake on XXXX part, I have never submitted a late payment to them. I paid the last invoice as soon as I became aware that there is a balance due. After successfully disputing it with XXXX they retaliated by reporting it late to XXXX  and XXXX. 
I reached out to them on XX/XX/XXXX and they assured me that they'll update the account as paid on time. I then reached out again on XX/XX/XXXX and was assured that it was submitted. When the report wasn't updated I called back on XX/XX/XXXX and was told that it can not be done. After being told that a supervisor is not available I requested a call and received a call from XXXX on XX/XX/XXXX. He left his phone number where to call back. I tried calling that phone number several times but was unable to get through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Hi, In XXXX I applied for a Bank of America XXXX XXXX credit card. I got rejected ( I have the letters to prove it ) and forgot about it. I received some mail and email form BOA that was promotional and feedback on the application process. However, I went to check my credit score and it turns our BOA had opened that account for me and is trying to charge me {$75.00} ( the annual fee for the card ). I don't have the card, an account number, username, or any other info to even close the account. I've reached out to BOA but have not gotten a response.

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 2018-01-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GENTRY FINANCE CORPORATION
State: TX

Complaint narrative:
This is now my 3rd complaint regarding XXXX XXXX in XXXX, Texas on XXXX XXXX XXXX. I am still getting calls at my job and my references. I have asked that the only form of contact I would like to have with this company is by mail. I have sent a letter in writing asking them to do so and they seem to disregard it. I have sent the CFPB copies of the letter I submitted and the letter they left at my job. There harassment is causing me to almost lose my job because they are not only calling the phone number i provided to them for my job, but they are also calling my emergency maintenance phone number which i am not too sure how they got that number. Here is the complaint number on the last complaint I made XXXX, also here is the complaint number for the first complaint XXXX. Again I do not want this company to call my job or my references. The only form of contact is by mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: BRite Financial Services, Inc.
State: WI

Complaint narrative:
My car note is paid biweekly, and my last payment was due on last Friday XX/XX/XXXX. I called to notify Brite financial on their customer service number the same day and left a voice mail and that I would be making a payment on Friday XX/XX/XXXX. I have been receiving calls every day at home at work and my cell. This Morning the phone call came at XXXX XXXX. Advising that I was in jeopardy of being in default on my loan for being late ( 5 ) days? I advised the customer service representatives that I spoke with at least once a day. Today it was twice they called, but XXXX XXXX is not ethical or legal. I have a phone log that a call was received by them at this time. I have also attempted to make payment arrangement, to which I was denied because I am ( 6 ) days and they continued to threatened repossession of my vehicle.

Company response to consumer: Closed with explanation