vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Equifax, I checked my personal credit report, which I acquired from your company onXX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: ME

Complaint narrative:
To whom it may concern, I was hoping that you could help me with my current situation. 
Brief story is, back in XX/XX/XXXXI fell on some hard times, like many people back then I had filed for bankruptcy, divorced, and was ready and willing to loose my home. I Had it up for a short sale in XX/XX/XXXX, when XXXX XXXX XXXX XXXX ( the original mortgage holder ) went belly up. Since then the loan was sold to different lenders and now Ocwen owns the it. I have tried in the past for a re modification loan with no prevail. It has been over 10 years now that I have resided in this house and been maintaining it without any help from Ocwen. They do however send me a monthly statement now stating that I now owe over {$350000.00}. This can not be legal, and would appreciate it if you would help me with all of this. I can't sell the house nor can I just walk away ( like most had ) or even consider buying a house even with a credit score of over 800. The more I reach out to people the more I find out that I am not the only one. 
I would like for CFPB to investigate further into the original documentation from the original mortgage taken out with XXXX, XXXX XXXX XXXX ( XXXX ) It has been so long ago that I honestly don't remember but I may have taken out a home equity loan to do much needed repairs to the home. New roof, windows, siding and bath remodel. 
I have already filed a complaint through my local Senator XXXX XXXX, who forwarded everything to you folks who in turn just forwarded it to Ocwen and then just closed the case without any further investigation. I would like to receive the original documentation from XXXX who I'm sure you are aware of the circumstances involving their fraudulent charges brought against them back in XX/XX/XXXX. 
Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2016, this debt for { {$890.00} } appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26 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:
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, 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 2018-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I purchased a home in XXXX, SC with a mortgage from Wells Fargo Home Mortgage on XX/XX/XXXX. I have an escrow account with Wells Fargo where monthly payments include funds for property taxes in XXXX County, SC. Also, an initial escrow payment for property taxes was paid at closing totaling {$2200.00}. According to the 1098 from Wells Fargo in XX/XX/XXXX I paid {$2600.00} into escrow with them for property taxes. The Wells Fargo mortgage statement of XX/XX/XXXX states that they dispersed {$2600.00} to XXXX County for property taxes. I received an Execution Notice dated XX/XX/XXXX from XXXX Countys Office of Delinquent Tax Collector for delinquent taxes, penalties, fees and costs ( {$3000.00} ) threatening tax sale if this amount was not paid, claiming my property tax for XX/XX/XXXX had not been paid. Following multiple attempts to get Wells Fargo to resolve this and explain, on XX/XX/XXXX I went to the XXXX County Treasurers office and they confirmed that my property taxes were never paid. I immediately paid the amount claimed to clear my name. Ive made numerous attempts since that date, including phone calls and online complaints, to get Wells Fargo to reimburse me without success. Initially they told me they would open a case to investigate and resolve the matter by XX/XX/XXXX. After complaining again that Id heard nothing, I was told the case was still open not resolved and needed until XX/XX/XXXX. I again requested an immediate explanation and reimbursement of the amount I had paid. Absent any timely satisfactory response or reimbursement as of this date, I am filing this complaint. requesting reimbursement of the {$3000.00} paid by me out of pocket plus interest.

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 2018-04-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This account still reads as open on my credit report but I have closed it and have paid in full. Unfortunately I had financial hardship which caused this account to go into a negative standings but I have since than paid the outstanding balance off in full.

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 2018-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I paid off my vehicle in XX/XX/2009 and I'm now finding out that company never released the lien on the title. The company is now out of business. Please help, any assistance will be greatly appreciated. Thank you.

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 2018-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX I bought XXXX LTC off of Coinbase which equaled {$440.00} USD, on XX/XX/XXXX I received an email saying that my transaction was canceled and if charged ( which I was ) the money would be redeposited into my bank account within 3-4 business days. It is now XX/XX/XXXX and nothing has happened, I tried to email Coinbase multiple times and never heard anything back from them other than what seemed to be an automatic response saying that I would hear back from them soon, which I have yet to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
On the XX/XX/XXXX I had the following coins transferred to my Coinbase wallets. I have put links to the coinbase wallet addresses for my account and blockchain info. 

Bitcoin XXXX XXXX XXXX XXXXXXXX XXXX XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Looking at my wallets XXXX XXXX XXXXXXXX There is nothing there for the transfer for any of the coins. Not even pending. If you look at the blockchains above you can see the coins went to my addresses and immediately left somewhere. However the amounts never went to my wallets. I opened a case for this on the XX/XX/XXXX and still haven't had a meaningful reply from coinbase

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
In XXXX of 2015, i went on line to apply for a loan. I put in all my personal information for the loan. Before finalizing it showed my interest would be somewhere between XXXX and XXXX percent, so i declined. Within days I received letters from National Credit Adjusters saying i took out three loans on the same day for the amount {$520.00}, {$520.00} and {$650.00}. The letter said they were representing XXXX XXXX with the original creditor being XXXX XXXX. All this happened within days. It was clear when I received the letters this was a scam. ( They reported to credit bureau the loan was opened on XX/XX/2015 and I received a collection notice XX/XX/2015. ) After several attempts in XX/XX/2015 calling the number on the letters and getting a voicemail, I finally reached someone. The representative that answered would not hear what I had to say and told me that I processed a loan_and hung up. This has been on my credit report for over two years. But I refuse to pay a debt i don't owe. National Credit Adjusters will not_ because they can not_ produce anything to show there was money sent to me. I have researched this company and found its happened to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I filled bankruptcy in XX/XX/XXXX I did not include my mortgage in the bankruptcy. I have been on time and have not missed any payments. I did not reaffirm the loan. My mortgage company Wells Fargo has not been reporting my payments to the credit reporting agencies or has reported it as included in the bankruptcy. I have been in contact with them multiple times in the past week and they have refused to correctly report the information because I will not reaffirm the loan. My attorney has advised me against reaffirming the loan as it is not required and by per my attorney the credit reporting agencies should be receiving my updated payment information. The last payment Wells Fargo has reported is XX/XX/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 2018-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
Received a call from XXXX XXXXXXXX on an account for XXXX XXXX XXXX for XXXX XXXX XXXX XXXXXXXX a year after the agency called me on a bill for XX/XX/XXXX. This date of service was for XX/XX/XXXX, on the call for XX/XX/XXXX date of service I gave Ability my health insurance info which was XXXX XXXXXXXX and inform Ability staff to please also bill XX/XX/XXXX account. Ability staff gave info to XXXX XXXX XXXX and XXXX XXXX XXXX failed to bill XX/XX/XXXX date of service to XXXX XXXXXXXX. When I spoke to XXXX XXXX XXXX they advised me that they would like have account removed from collection and written off. But that has not been done.

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 2018-04-26 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: BTH Management
State: MI

Complaint narrative:
I began to receive calls about a year ago from a collection agency claiming to be collecting a debt from a payday lender. I informed the company that I have had a payday loan and requested on multiple occasions that they provide me with any information that had related to the debt and to no longer contact me via phone. To date, XX/XX/2018, they have failed to comply with either of my requests. They are still reporting inaccurate information on my credit file. They have not provided any substantiating data related to the debt in the time allowed by the FDCPA and they continue to contact me via phone. It is my contention that this company has violated multiple federal laws and they refuse to respond to any requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I had an old debt of XXXX dollars with Wells Fargo XXXX XXXX XXXX # # # # # # # XXXX I called them to resolve this issue & they offered me XXXX payments @ {$560.00} per month to settle the account with a zero balance. I paid as agreed {$3300.00} ... wells fargo then went back on their word & reported incorrect information to the Credit Bureau I had been monitoring my credit report each month & they were reporting as paid as agreed each month. After I paid the said amount of {$3300.00} the went back and reported as CO= charge off not paid with XXXX balance ... I called XXXX on XX/XX/XXXX@XXXX talked to XXXX. explained as it reads above. I was told they would research phone conversations & return my call within 48 hrs. That did not happen. I called them back on XXXX @ XXXX I was told they were still researching info. No call was returned from wells fargo to me during this time frame. I called them back on XX/XX/XXXX @ XXXXXXXX XXXX   asked to speak with a supervisor spoke with XXXX XXXX & was told they were still looking for phone data @ that point I asked to speak to his supervisor spoke with XXXX. was told same thing still researching for phone data, went to next level of supervisor XXXX XXXX on XX/XX/XXXX XXXX was told again they were still trying to find phone data. called her supervisor XXXX XXXX & still getting the deception run around excess as to they are having trouble getting data. 
My complaint is based off of Wells Fargo is the one who offered me the reduced rate ... with a zero balance paid in full. Now they are incorrect reporting on my credit report & are using the excess of phone data no to report to credit reporting services .Wells Fargo deceptive business practice has cost me to miss closing date on home for my family .... Thank you Wells Fargo case # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Kohl 's Charge account from Capital One Finance is reporting incorrectly. 

I initially called in XXXX to Kohl 's ( who handles the customer service on these accounts ) and was advised a XXXX was issued on my account and the debt was forgiven. 

I called for 2 months weekly trying to get a copy of the XXXX sent to my proper address.. Weekly, I was told it was mailed. Never received. 

At the beginning of XXXX, I finally received it and the Kohl 's CS representative admitted those were requests and it took a long time to actually be mailed. 

The information on it is incorrect. Balance and account number are not mine. Kohl 's blames Capital One. 

After multiple calls with representatives who couldn't advise on the issue, they told me I would receive a fax stating the error and that my account was issued a XXXX forgiven debt notice with my name, balance, and account number. Never received. A rude supervisor told me I wasn't being patient enough a week after it was promised within 24 hours. Never received. This is Kohl 's customer service. 

Taxes are past due. A corrected form was never received. Who knows if it was issued. I want a corrected XXXX sent to me with TRACKING to verify its location. 

It's quite scary that Kohl 's maintains such poor records and practices and constantly blame it on another department or on Capital One. 

I am filing this complaint against Capital One, as they need to provide accurate information. 

Since I have disputed the error ( s ) with the credit bureaus, and you obviously verified them, I am very curious as to what kinds of records you may have for this alleged account. 

Under the FCRA, you are required to conduct an investigation on this account if I request it and provide the original loan application with my signature, original executed notes, history of payments, and any other documentation you may have verifying the legitimacy and accuracy of your verification and reporting of the account as stated above. This has not happened. 

Remove this account from my credit report so that I can be done with this mess of customer service and incorrect data and reporting. This account is over 5 years since charge off and I will proceed with litigation if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: LA

Complaint narrative:
7 months ago I received a notice that a collection came up on my credit report from COMMONWEALTH FINANCIAL SYSTEMS stating I owned them {$540.00} for hospital visit that my son had on XX/XX/2012. 6 years later and they add this collection on my credit report. The only time I have been to that hospital was for a wreck my children and I were involved in on XX/XX/2012. I contacted the Hospital and they confirmed that we were there on XX/XX/2012 but they did not have any record of us going there XX/XX/2012. After the wreak and hospital visit I hired a lawyer to take over my case against the other driver. All my children 's and my medical bills were all given to my lawyer who then paid off those bills through the settlement we received. I contacted CommonWealth and faxed them over the bills my son had and it showed they were paid and also shows the date of service which was XX/XX/2012. I sent them the proof that the date of service they had was wrong as we were never in the hospital that day. They have yet to respond to anything I have sent to them and have failed to provided me with any validation that I owe this debt. The last 7 months have been XXXX trying to get them to remove this debt. It has ruined my chances of getting approved for a home mortgage as when it was added I was right in the middle of trying to get preapproved.

Company response to consumer: Closed with explanation