vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-15 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: CO

Complaint narrative:
In XXXX of XXXX, XXXX incorrectly listed a payment from XXXX XXXX as late that was not late due to a change in monthly due dates. I changed it from due the XXXX to due the XXXX. I noticed this in XXXX and contacted Equifax on XXXX XXXX, XXXX to remove it. The woman I spoke to in the office of consumer affairs, who was wonderful, contacted XXXX and agreed to remove it. It was never removed. I attempted to submit online so that I would have written record of my transaction. Equifax online dispute has been " temporarily suspended '' since XXXX XXXX of XXXX, when I first tried ... I have attempted about once every XXXX weeks since then. On XXXX XXXX, I mailed a letter with all information. Never received any form of reply. I even checked my spam box in email just in case. This dispute is now long past the 30 days and I would like to have this removed as it is hurting my credit score and subsequent loan rates. I feel that I have been more than patient before escalating this issue. 

Thank you for your time, XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I did a 0 % balance transfer on one of my credit cards. The card had a XXXX balance prior to this transaction. I paid the first month 's minimum payment and then on the second statement after the balance transfer I was charged {$1.00} in interest. 

I called and spoke with two representatives at the bank and they both indicated that the 3 % balance transfer fee was not paid off after the first statement so now that fee is treated as a purchase. 

So the bank is charging me interest on a fee that they charged me. The bank is indicating that if the fee is not paid completely after the first statement it becomes the equivalent of a purchase. This is not indicated anywhere in the literature. Every time I 've done a balance transfer with any other card the transfer fee becomes part of the 0 % interest. 

Obviously it 's not the {$1.00} I 'm worried about, its the principle that the bank is charging me interest on the fee that they charged me as if it were a purchase. This seems to be a very poor way of doing business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
This debt needs to be removed immediately. I was told via phone by the original company I was not liable anymore for this as it was paid for. Please remove this from my 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
Consumer complaint received 2017-12-15 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: MA

Complaint narrative:
XXXX XXXX, amount of XXXX. I have disputed this account with all XXXX credit reporting agency. I have no knowledge of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: MA

Complaint narrative:
XXXX XXXX, amount of XXXX. I have disputed this account with all 3 credit reporting agency. I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I got a letter in the mail from XXXX XXXX XXXX and XXXX XXXX about the data breach that occurred in XXXX. I tried to log into the site they sent and I could not verify my identity because the questions did not apply to me. I called Equifax and they could not verify my identity either. I contacted consumerfinance.gov and they told me to file a complaint. The questions that are asked to verify my identity do not apply to me. I am worried about my ID being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: TX

Complaint narrative:
the department of education /Nelnet are reporting that I student loans, they are reporting on XXXX , XXXX  and XXXX this is n't accurately. 
they have over 12 accounts on my credit report. I have asked for them to send me promissory notes that I have signed that stated that I applied for these loans and they have not sent me anything as will as all proof with DL picture, signature and paperwork. they have not sent any information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
All Other Agencies are reporting a Fico Score except Experian. So when I have tried to apply for a loan from a bank I have been told several times that I do n't have a credit score?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP
State: WI

Complaint narrative:
I am a certified XXXX XXXX XXXX XXXX in the state of WI. I was assigned to appraise a XXXX guaranteed loan for US Bank of XXXX, WI. The amount owed me for the appraisal is {$420.00}. The appraisal order is dated XXXX/XXXX/XXXX. This bank has received the money for the appraisal at the time the homeowner applied for this re-finance loan. The bank is aware of our net 30 days pay schedule. We call and e-mail daily and are getting nowhere. It does n't matter if this loan closed or not, that would be against XXXX. The contact at the US Bank in XXXX is XXXX XXXX, XXXXXXXXXXXX. This is regarding US XXXX # XXXX. XXXX 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 2017-12-15 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo was servicing an XXXX XXXX Mortgage for My mother which was predatory at inception. The transferred her loan to a subsidiary XXXX XXXX  thought they knew we were selling it and in escrow. She recently passed away and we have sold the property and had received a pay off demand and escrow ( Lawyers Title ) attempted to pay them and they refused to accept the payment demand amount knowing we were trying to close escrow. 1 ) they refused to provide a new payoff demand 2 ) they finally provided one which included egregious fees 3 ) one day later they added more egregious fees trying to prevent he close of escrow. It is my feeling Wells Fargo is using XXXX XXXX to undermine their accountability to your law and authority regarding XXXX XXXX  Mortgages knowing deceased parties or seniors may not be alive to advocate for themselves. They have still not settled with escrow and are trying to unlawfully steal or obtain unwarranted fees for matters that have not yet occurred. We were just trying to pay the debt off. Please submit a heavy fine for his illegal and unjust behavior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
4 months ago I set up an account with Experian with the goal of paying for a single month for service both myself and my wife. The agreement was to pay XXXX for each account until I cancelled it by phone. After the first month expired I contacted the customer service number numerous times and have failed miserably. I have wasted no less than 10 hours on the phone trying to get to representative to no avail. In the mean time Experian has charged me the XXXX x 2 each month for the past 4 months. I would love to speak to a customer service rep, in order to cancel this fraudulent service and recoup my hard earned monies with the exception of the 1st month for which I have agreed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Synovus Bank
State: SC

Complaint narrative:
On XXXX/XXXX/XXXX, I was notified that my XXXX XXXX XXXX uncle had been exposed to fraud. I immediately put a hold on his checking and money market accounts. XXXX/XXXX/XXXX met with XXXX XXXX and XXXX XXXX of XXXX a division of Synovus Bank & closed existing account and re-open a new account and signed affidavits for the fraud claim. Amount of fraud XXXX - received credit for XXXX - balance due XXXX. XXXX said their responsibility is for only 60 days and will not refund the balance even though the fraud was committed by the same people. - See the attached :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I made an small investment, around {$150.00}, into bitcoin through the wallet application know as Coinbase. I was allowed to add my bank no problem, be charged for my transaction but am constantly being refused ID verification, with an error message reading that I do n't have enough presence in public data. I have a valid ID, a Valid bank account with which i invested already but dont have enough presence to be given the same treatment as someone else verifying their ID. I would like to have free range on my investment and not be locked in to a system that only allows me to invest but not profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Venture Financial Services, Inc.
State: MO

Complaint narrative:
I continued to make monthly payments to XXXX XXXX for my hospital bill. I made a payment in XXXX, however on XXXX XXXX a letter was sent from Venture Financial Services that they are collecting on this debt. 

In the letter it states that this debt will begin to accrue interest. There is no disclosure on the amount of interest that will be charged. I was not paying interest on the debt when i was making payments directly to XXXX XXXX. 

If banks need to fully disclose the amount of interest they are charging consumers, why can these medical debt collectors get away with being so vague. 

I did not receive a fair notice that the debt was being either sold or collected on by a debt collector.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: NC

Complaint narrative:
XX/XX/2017 I have written both Transunion and XXXX concerning XXXX bogus collection accounts and they still remain. Attached is the results of the XXXX  investigation into the accounts. 

Please Remove!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I filed a complaint with the credit bureaus for validation of this account. This was account as deemed as updated and accurate. I then filed a complaint directly with XXXX XXXX XXXX by certified mail which included my full name and account number as listed on my credit report. After I had not received a response, I contacted them via XXXX XXXX on XXXX/XXXX/XXXX. After our conversation there, a representative from their company contacted me. Upon speaking with the representative, I provided their requested information to identify this account. I did not provide them with the account number. However, my account was located and I was told I would receive a letter in the mail with all of the information regarding the verification of the account. However, I received a letter dated XXXX/XXXX/XXXX stating I did not provide them with enough information for them proceed with their investigation and must consider it closed. 
I 'm confused. I spoke with them the day after the letter was composed. How is it that the information provided on XXXX was not used to verify the information they continue to report to the credit bureaus on this very old account. The balance was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Very simply. Was charged for a service I never received from a company. Had to file a CFPB complaint to get Citi to take me seriously in the first place. 

The claim to have double credited my account 2+ months ago. Now they are saying I have to pay an extra {$100.00} because they made a mistake. I should not have to pay, months after the issue was dead and done because they made a mistake. 

Please not that attached file, shows the debit is going back to XXXX who I should not be paying since they did not deliver when I ordered from them. I am livid

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: NC

Complaint narrative:
XX/XX/2017 I have written both XXXX and Experian concerning XXXX bogus collection accounts and they still remain. Attached is the results of the XXXX  investigation into the accounts. 

Please Remove!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On the XXXX of XXXX, Barclay Loan received a cashiers check from XXXX XXXX XXXX in the amount of {$18000.00} to pay off the Barclay Loan. We did this to get a much lower interest rate which created a savings of {$7000.00} for us. 

Barclays cashed the check on the XXXX of XXXX XXXX. We went the check by XXXX and have the tracking number where Barclays received it. I have a copy of the check that was sent and the back and front of the cashed check. Barclays is claiming the can not locate the check, and therefore can not clear my account. They are also sending me late notices on payments. They know they have the check but refuse to credit my account until they can locate in their system. Since I have proven that they received and cashed it, I feel they should clear my account and do whatever they deem necessary on their end to located they 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 2017-12-15 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: Ocwen Financial Corporation
State: OH

Complaint narrative:
I have a balloon mortgage with Ocwen Loan Servicing that matured on XXXX/XXXX/XXXX. ( I have been working with a bank to refinance the mortgage. ) When I sent the XXXX monthly payment to the Ocwen that has the existing balloon mortgage it was refused/returned. I e-mailed the the Ocwen representative to find out why I could not continue payments while I was seeking new financing to pay their balance. They responded that after the loan matured they will only accept the full balance due of {$91000.00}. In XXXX they reported to the credit bureau that I am 60 days delinquent on payments. That report reduced my credit score from XXXX to XXXX.  Becouse of this report I was not able to finalize the refinance with XXXX XXXX. 
I believe this is unfair. I tried to make payments to keep in good standing while I was seeking refinancing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
I ave spent {$5000.00} to buy bitcoins from coinbase on XX/XX/XXXX. At the time the transaction happened, they did not ask me for any kinds of verification. Now that I want to sell those, they ask me for ssn verification and it always failed for me even though I have all information correct. I tried to reach out to their support team, all they replied is to ask me try it out more which is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America Home Loans is engaging is Mortgage Service Abuse, Dealing in Bad Faith with deceptive and misleading practices by fanning a Loan Modification, then denying to wit without proper notification. 

This type of behavior of deflecting the homeowners attempts to get a fair loss mitigation resolution and is therefore an unfair business practice. 

Bank of America Home Loans is engaging in deceptive and misleading practices in regards to this loan Modification by arbitrary and redundant conditions. 

XXXX XXXX first mortgage at since XX/XX/XXXX at Bank of America Loan number XXXX is a federally insured XXXX XXXX with a principal balance of XXXX XXXX with rate of 6.25 % monthly payment of {$1100.00} and a second mortgage loan number XXXX XXXX XXXX with a principal balance of {$36000.00} at interest only rate of 6 % and a monthly payment of {$180.00} with a balloon payment of {$36000.00} due XX/XX/XXXX. 

XXXX XXXX fearing the looming balloon payment of {$36000.00} which she does not have contacted Bank of America to request help and inquire as to her options. To which there only offer was to apply for a loan modification which she did in XX/XX/XXXX. 
XXXX XXXX received a letter dated XX/XX/XXXX stating that we regret to inform you that based on careful review of the information you provide, you dont meet the eligibility requirements to qualify for a loan modification. However, youre qualified to pursue a short sale. Weve included more information about your shot sale option and reason ( s ) why your loan isnt eligible for a modification in the enclosed Results of Your Evaluation section. Exhibit A. YET THE IS NO SPECIFIC REASON GIVEN. 
A short sale is a sale of real estate in which the net proceeds from selling the property will fall short of the debts secured by liens against the property. 

Exhibit-B is Bank of America AVM dated XX/XX/XXXX7 for loan Number : XXXX with the estimate value if {$290000.00}. 
Exhibit C Mortgage statement dated XX/XX/XXXX the 1st mortgage prinpincal balance is {$180000.00} minus the value of {$290000.00} equals 62.85 % LTV or equity of {$100000.00}!

Exhibit D- Mortgage statement dated XX/XX/XXXX the 2nd mortgage prinpincal balance is {$36000.00} equals a total balance due of {$220000.00} equals 75.30 % CLTV or equity {$72000.00}.

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