vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
in XX/XX/XXXX my daddy XXXX  XXXX ciiti financial sent him letter were we lived an said they want to foreclose on a second mortgage we did not know about. XXXX XXXX my XXXX XXXX daddy had XXXX i took care of him and now is sole owner of the deed. so i started to investigate and found out that loan was satisfied in XX/XX/XXXX and he was paying XXXX dollars a month till XXXX that when they came after him. my sister was handling his money and the bills also upon my investigation i have that my daddy had a medical report in paper from a doctor that he 0 out three recall. the remaining balace from citifinancial was XXXX dollars. and of course when i provided them evidence that i still have they forgive that loan quickly i sorry i do not how to upload but i have a fax machine. here is some info ; estate of XXXX XXXX account ; XXXX son ; XXXX XXXX owner son address ; XXXX XXXX XXXX XXXX fl phone XXXX you probably know what i what. please morning call if you can my family want pursue thats real money THAT THESE PEOPLE STOLE FROM MY DADDY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Recovery Management
State: FL

Complaint narrative:
I lost My Social Security And report to police and they can delete some Account i have on My Credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
I have no idea who these people are. I have never contracted with this company. It's all fraud. A company called Helvey and Associates item # XXXX have been reporting false claims to the credit bureau knowingly that I've never heard of them until my credit report. This company and XXXX XXXX   are both reporting false information to hinder me from obtaining credit. {$130.00} and it appears to be the same items masquerading as accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
On XX/XX/2017 I contacted the company below by telephone. 

XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX QUICKEN LOANS. 

I responded to a pre-screened offer letter by calling the number on the letter to ask questions about their mortgage loan rates and my credit unknowingly received a Hard Inquiry without me knowing. Please have this inquiry removed from all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
WFHM USED THE WRONG DATE ( a XX/XX/XXXX date, my loan closing date was XX/XX/XXXX, the time period was XX/XX/XXXX through XX/XX/XXXX ) and I was deliberately excluded from the fair housing claim settlement, DOJ v WFHM lawsuit, which has been the subject of CFPB complaints against WFHM before and after foreclosure of my home of 15 years. 

Foreclosure was on XX/XX/XXXX. 

I read every page of the 57 plus page document as well as the 87 plus page documents continually sent by WFHM without the answer in question. 

WFHM responded to all complaints continually and intentionally leaving out the answer to the main question everytime ; I ask again ; Please, Please answer the question WHY WAS I NOT INCLUDED IN THE ABOVE LISTED SETTLEMENT even though I met all criteria????????????

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 2018-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my second attempt to reach out to your company. It has been 90 days since Ive received any response from your company. I have attached a letter and I would like for you to perform an internal investigation and remove the erroneous accounts you have listed on my report. I have attached an FTC report. I am allowing 5 days for your company to remove the erroneous accounts off my report permanently. I have record that this is my second attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: FL

Complaint narrative:
This is my second attempt to reach out to your company. It has been 90 days since Ive received any response from your company. I have attached a letter and I would like for you to perform an internal investigation and remove the erroneous accounts you have listed on my report. I have attached an FTC report. I am allowing 5 days for your company to remove the erroneous accounts off my report permanently. I have record that this is my second attempt.

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 2018-02-22 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: FL

Complaint narrative:
This is my second attempt to reach out to your company. It has been 90 days since Ive received any response from your company. I have attached a letter and I would like for you to perform an internal investigation and remove the erroneous accounts you have listed on my report. I have attached an FTC report. I am allowing 5 days for your company to remove the erroneous accounts off my report permanently. I have record that this is my second attempt.

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 2018-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Consultants of California
State: CA

Complaint narrative:
The day this was opened was on XX/XX/2012 Total - {$1300.00} by XXXX XXXX XXXX XXXX. I have never been admitted to a XXXX XXXX  XXXX XXXX. I would get phone calls and I would explain this was clearly not me and to look into the possibility of it being my father that has my same name and sadly is now desist. I have been attempting to dispute this for a very long time now. I truly hope you guys can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was inquiring about a loan modification. I called the bank and was told that wasn't a option. I then started the short sale process but seem to get the run around with the company that was servicing the mortgage for XXXX XXXX XXXX. So the house went into foreclosure and the bank never served me court papers for said court date. I only was made aware of this process while doing a court search myself. I was going through the paperwork filed to the courts and realized that XXXX XXXX XXXX filed fraudulent paperwork to obtain this foreclosure in the first place. I filed a motion to ask the court to look at this matter but they couldn't do anything to help. 

I have attached a copy of the filing that I submitted and page 6 through 10 are the paperwork that XXXX XXXX XXXX submitted to obtain the foreclosure in the first place. If you look that the motion you can see where they cut and pasted parts of the contract to help them obtain the foreclosure. The contract on page 8 ends with paragraph 11 and then on page 9 it starts with paragraph 18. They cut out 12 through 17 in the  contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
My credit report has been perfect for over 10 years. Out of no where I got 2 collections : Opened XX/XX/XXXX ( 3 mos ) by XXXX  Amount : {$74.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX +++ Opened XX/XX/XXXX ( 4 mos ) by XXXX  {$62.00} XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX I always paid on-time in-full and cancelled or stopped the service promptly. There is no reason why this should have occurred. Someone fraudulently just reported these charges or the Company did not close out my account properly.

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 2018-02-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WY

Complaint narrative:
My credit report has been perfect for over 10 years. Out of no where I got 2 collections : Opened XX/XX/XXXX ( 3 mos ) by XXXX Amount : {$74.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX +++ Opened XX/XX/XXXX ( 4 mos ) by XXXX  {$62.00} XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX I always paid on-time in-full and cancelled or stopped the service promptly. There is no reason why this should have occurred. Someone fraudulently just reported these charges or the Company did not close out my account properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
My credit report has been perfect for over 10 years. Out of no where I got 2 collections : Opened XX/XX/XXXX ( 3 mos ) by XXXX  Amount : {$74.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX +++ Opened XX/XX/XXXX ( 4 mos ) by XXXX {$62.00} XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX I always paid on-time in-full and cancelled or stopped the service promptly. There is no reason why this should have occurred. Someone fraudulently just reported these charges or the Company did not close out my account properly.

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 2018-02-22 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Transunion, XXXX, XXXX  XX/XX/18 Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately. 

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. Cable Bill? XXXX XXXX XXXX   Account # XXXX 2.Phone Bill? XXXX XXXX XXXX Account # XXXX 3.Medical Data XXXX XXXX XXXX XXXX , Account # XXXX Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX Social Security Number

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 2018-02-22 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, XXXX, Equifax XX/XX/18 Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately. 

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. Cable Bill? XXXX XXXX XXXX   Account # XXXX 2.Phone Bill? XXXX XXXX XXXX Account # XXXX 3.Medical Data XXXX XXXX XXXX XXXX , Account # XXXX Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX Social Security Number

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
On XX/XX/2017 I purchased XXXX bitcoins for a price of {$300.00} through a company called Coinbase. At most the company claims delivery can take up to 10 days. After a week of not receiving my bitcoins I emailed Coinbase support. After almost two weeks they replied asking for a screenshot of my purchase status which still said " Pending ''. Keep in mind the funds were long taken from my bank account. Replying the same day I was later informed that my situation was being handled by a specialist. After not hearing back for another week I asked for an update and I never heard from Coinbase again. 

I attempted to submit a claim through my bank but because the transaction was " authorized '' they said they couldn't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
This company failed to provide validation of debt, I have previously reported this company and they replied saying they would close the account, they are still contacting me and they are still reporting negatively I have tried reaching out to them and letting them know to stop reporting on my account and to close it as they promised, and to also stop calling me, unfortunately they fail to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I maxed out a credit card many years ago. Then I could not make payment. Someone else used to take care of my finances. That person filed a court hearing and these people never showed up. The person that was over my finances no longer is and now since 2013 this debt collector has been sending letters, callng after 9pm on Sundays, they have talked down and rude at times making me feel threatened to take my money which is only my Social Security retirement. I have seen their name each and every month on my credit reports that is how they get a new address and my phone number. I do not answer any calls any longer that I either don't know or if it has their name attached. I can not take the harassment any longer. I was diagnosed in May last year with XXXX. Most days I am lucky to be able to get out of bed. I hide constantly in my home because of these people. I have written to them, called them and now I just want them to leave me alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Business Bureau, Inc.
State: GU

Complaint narrative:
Several times a month, they reported to XXXX that I did not pay this debt. They are ruining my credit score, and I never received a bill or an attempt to collect a debt. I think it is fraudulent. 
SEE BELOW the report to XXXX  : CALIFORNIA BUSINESS BU has flagged your account as Collections. 

Potentially Negative Alerts notify you when one of your accounts has reported information that may negatively impact your credit score. 

Alert Date XX/XX/XXXX Source XXXX Company CALIFORNIA BUSINESS BU Payment Status Collections Status Date XX/XX/XXXX Balance {$390.00} Balance Date N/A Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
On XX/XX/2018, I received a call from a number I didnt know and I dont answer calls from unknown numbers. I then received a long voicemail that is almost 3 minutes long, completely inappropriate by starting the voicemail out by saying let me tell you doesnt state who he is or where he is calling from until the very end and is raising his voice and harassing me stating if I dont have an attorney, I strongly suggest you get one I have never received such a disturbing call ever! I have saved the voicemail and have his name which is XXXX  from XXXX XXXX for XXXX XXXX XXXX XXXX  ( the clothing store ) I have his phone number and ext that he left. I am very upset and have high anxiety and this made it worse. Very unprofessional and inappropriately handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: MO

Complaint narrative:
Looking at my report there's fraudulent unknown inquires on my credit report mostly on the date of XXXX, 2017, and others

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NATIONWIDE ACCEPTANCE LLC
State: MO

Complaint narrative:
Looking at my report there's fraudulent unknown inquires on my credit report mostly on the date of XXXX, 2017, and others

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 2018-02-22 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: EQUIFAX, INC.
State: MO

Complaint narrative:
My student loan is reporting late payments for XXXX and XX/XX/2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: MO

Complaint narrative:
My student loan is reporting late payments for XXXX and XX/XX/2017 2017

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 2018-02-22 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: EdFinancial Services
State: MO

Complaint narrative:
My student loan is reporting late payments for XXXX and XX/XX/2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have a account XXXX XXXX XXXX is showing on Transunion and XXXX  credit reports the account was investigated and deleted off XXXX  and I have disputed with Transunion and XXXX  via letters and fax in the guidlines of my rights in section 611 and 609 of FCRA to challenge their right to report the two bureaus to follow suit and delete account off of remaining credit reports to no avail.

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