vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-16 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: NM

Complaint narrative:
I have one student loan account it is in good standing I talk to XXXX  On my credit report it showing I have nine installment accounts And they refused to make it into one so it shows on my report as one installment 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 2019-10-16 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: Nelnet, Inc.
State: NM

Complaint narrative:
I have one student loan account it is in good standing I talk to XXXX On my credit report it showing I have nine installment accounts And they refused to make it into one so it shows on my report as one installment account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: NM

Complaint narrative:
I have one student loan account it is in good standing I talk to XXXX On my credit report it showing I have nine installment accounts And they refused to make it into one so it shows on my report as one installment  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 non-monetary relief
Consumer complaint received 2019-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
On or around XX/XX/XXXXof this year, I received a letter from Select Portfolio Servicing stating that my escrow account had a shortage of {$7000.00}. Reviewing the letter I realized that my Enhanced Star and  Senior Exemption had not been applied. 

I called my SPS to inquire why my exemptions had not been applied to my taxes, and I was told, that they had no knowledge that I had any tax exemptions. I stated to the representative that I had received the Enhanced Star and Senior Exemptions for the prior tax year XX/XX/XXXX-XX/XX/XXXX and there was no problem having it applied and what was the issue with applying it this tax year. 

I faxed paper work on XX/XX/XXXX, to back up my claim that the shortage was incorrect and that between the escrow balance and my state tax exemptions there was more than enough to cover my property/school tax bill. I called in the middle of XXXX to to verify that they had reviewed the documentation I sent and made the correction to my account. I was told it was received and they were working on it. 

I followed up again in early XXXX and was told that it was being worked on, but when the representative looked in the computer, the documentation I faxed had not been forwarded to the tax and escrow department. The representative advised that she's forward it to the tax and escrow dept, but it probably wouldn't be reviewed until XXXX because that was when my school taxes would go in. 

XXXX has come and gone and I have not received a statement for SPS for my school taxes and each and every time I call, which is roughly weekly, I'm being told they are working on it. I receive a school tax bill and receipt every year in XXXX, this year nothing. 

The enclosed are proof of my enhanced Star and Senior exemptions for XXXX and XXXX. I also included receipts from prior years where my state tax exemptions were applied with no issues. My prior years taxes paid and no shortage. My town assessor 's office sent me a letter to inform me that SPS had called their office and they provided me the same information she gave them. They also told me like last tax year, there is more than enough to cover my tax bill for this tax year, and I will get an overage check just I did last year. 

My mortgage servicer is not being hoenst and they are not doing ethical business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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:
Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD 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 2019-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I have called, emailed XX/XX/2018 and tried to log into my account using the same credentials I set the account up with. After several months, the company, 'Coinbase Pro ' would not allow me to login and stated it did not recognize my device. It required me to upload my US gov issued Drivers license including the back ( with barcode ) over an unsecured transmission. A clear screenshot was required, or I could take a photo while accessing the device using my phone or webcam. Again, both methods are insecure and no one has legal right to store my ID or photos of me and the devices I use to access my accounts. I have received email correspondence from Coinbase Pro reiterating the same requirements over and over without resolving the matter or calling me to resolve the matter. 
I have purchased and traded with other exchanges and not had any problem between them ( XXXX ) until I changed my email address. Since they can not send me a confirmation by email and they have no other dual authentication set up it has been months since this began and it has not been resolved. 
I can not access : XXXX {$95.00} XXXX {$100.00} XXXX {$50.00} XXXX   XXXX TOKENS XXXX XXXX TOKENS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems contacted me through mail two and half months ago saying I owed a debt from a previous apartment. That was my first time receiving any notice, bill, or anything regarding the so called debt. I reached out to them because I had already paid the apartments at the end of my lease and had proof. They had me email in proof and said it would be deleted once recieved. I called back the next day and they confirmed paperwork had been recieved and that the account was closed. They also mentioned that I could call back in up to 30 days to confirm this. Today, I recieved a notification through XXXX  that it had just been added to my credit report.

Besides all of this, national credit systems is not even licensed to collect in the state of Texas and I demand this account be closed and  removed from all three of the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: IL

Complaint narrative:
XXXX XXXX XXXX is erroneously reporting an account as delinquent. This account was paid in full and never late. Please see the enclosed documents. 

XXXX  XXXX XXXX XXXXXXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have sent certified letters to all 3 credit bureaus, XXXX, XXXX   and TransUnion about these accounts they are reporting inaccurately on my credit report. They previously " investigated '' my disputes on these accounts and say that they found they we're mine & we're being reported accurately. I asked in the certified letter for them to send me any and all methods of verification to prove that these accounts are mine and accurate as they say they are or my credit report. Including a signed contract in ink with my signature and legal forms of my identification. I have not received a correct response from either of these credit bureaus in the time frame allowed. They did not send me methods of verification at all. Trans Union claimed they just reinvestigated, the same as before and sent me the same exact investigation report from the prior dispute. XXXX & XXXX have not responded at all to my certified request. It has been long passed 30 days. The accounts are XXXX XXXX XXXX credit card & XXXX Visa Credit card.

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 2019-10-16 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: MO

Complaint narrative:
I have sent certified letters to all 3 credit bureaus, Equifax, XXXX and XXXX about these accounts they are reporting inaccurately on my credit report. They previously " investigated '' my disputes on these accounts and say that they found they we're mine & we're being reported accurately. I asked in the certified letter for them to send me any and all methods of verification to prove that these accounts are mine and accurate as they say they are or my credit report. Including a signed contract in ink with my signature and legal forms of my identification. I have not received a correct response from either of these credit bureaus in the time frame allowed. They did not send me methods of verification at all. XXXX XXXX claimed they just reinvestigated, the same as before and sent me the same exact investigation report from the prior dispute. Equifax & XXXX have not responded at all to my certified request. It has been long passed 30 days. The accounts are XXXX XXXX XXXX  credit card & XXXX Visa Credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX I deposited a $ XXXXcheck from my 401k. Into my  chase checking account The funds were available XX/XX/XXXX. I made a similar deposit, of {$800.00} on XX/XX/XXXX. CHASE is refusing to make these funds available because they say the of possible fraud. I need these funds for living expenses. I am a single father of XXXX daughters and I am between jobs. They say the hold was system generated but cant give me details. According to the terms and conditions of my account, I should at least be able to have access to {$200.00} of the deposit. They say they cant. I asked what was the reason and they said it was system generated. However, this is a small deposit, I have not had repeated overdrafts, and they can trust the account the check is drawn on as I have deposited a check from the same account within the last three months. My account is not new Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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:
Multiple accounts that are incorrect are reporting on my credit reports XXXX/XXXX XXXX**** XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX**** XXXX XXXX  XXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX, I went to my local credit union to take out a personal loan to avoid interest on my Wells Fargo credit card. The interest was to begin on the XXXX of XXXX. We finalized the loan on the XXXX of XXXX and had the letter sent to Wells Fargo, which was to be there over night. The amount to Wells Fargo was {$3200.00}, to bring my account to a {$0.00} balance. 

I spoke with an associate at Wells Fargo on XX/XX/XXXX, who said that my letter was sent to the wrong building at Wells Fargo, and that in forwarding the letter with the personal loan check would not be deposited in time. Thus I am stuck with the remaining {$1500.00} in interest because of a problem on their behalf. 

I called back and spoke with a manager named XXXX, whom said a record didn't exist of me calling previously and the letter with my check was just late. Also he said they could take off {$300.00} of the interest, but since it was my fault I am stuck with the remainder. 

Because of a mistake they made, I am now stuck with a personal loan of {$3200.00}, and interest to Wells Fargo of {$1500.00}. This is unacceptable and no one at Wells Fargo wants to assist me.

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 2019-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Contacted Convergys the Outsourced debt collections arm for XXXX. Ive contacted them and they were not even able to tell me what the exorbitant amounts of {$1400.00} entail. I disconnected an acct. in 2015 and turned in all Equipment to a XXXX store and disconnected due to a loss of a job and moving to another state. XXXX still has monthly charges that accrued and other fees that dont add up. They cant even provide me w a notice of collection of a debt for me to dispute it based in the fair debt act. 
Account no. 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 2019-10-16 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [transactions that I have made/accounts that I have opened], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-16 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [transactions that I have made/accounts that I have opened], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I received correspondence from Wells Fargo in regards to a complaint that I filed and much of the information Wells Fargo mentioned was and is inaccurate. For Example : wells Fargo stated that my loan was not in Foreclosure when they received the loan. However, I have a letter from ASC stating that the loan was in foreclosure. Secondly, Wells Fargo has yet to address the claims mentioned by the XXXX XXXX XXXX   which stated that my loan was intentionally denied a modification from XXXX XX/XX/XXXX because of intentional computer glitch which created and/or created inaccurate NPV calculations which denied me an modification. Wells Fargo attached hundreds of thousands of Dollars to the arrears once they did offer a modification in XX/XX/XXXX. Also, upon not completing modification I applied for a tier 2 modification and I was informed by ASC that I did not qualify in XXXX. However, that was inaccurate according to XXXX XXXX /HAMP because I provided evidence that I converted my home to a 2 family which increased the Hamp guidelines from {$720000.00} to {$920000.00}. I also provided rental income to substantiate a tier 2 modification. It is blatant discrimination according to the Justice Department, XXXX XXXX and XXXX XXXX XXXX. I was informed by Congresswoman XXXX and Congresswoman XXXX that if I foreclose and the property is sold my case will be discussed dealt with because of the 10 plus years of neglect and abuse. It's unheard of .... I am asking Wells Fargo to offer me a modification. In conclusion MERS does not have legal claim because Wells Fargo does not Possess the ACTUAL ORIGINAL NOTE OR SETTLEMENT DOCUMENTS BECAUSE XXXX DESTROYED ALL RECORDS. THEY FORWARDED ME THE LETTER STATING THAT THEY DO NOT HAVE ORIGINAL DOCUMENTS. I FOUND THE LETTER THIS WEEK AND WILL FORWARD THE LETTER TO THE JUSTICE DEPARTMENT AND LOCAL CONGRESSWOMAN. THE SETTLEMENT DOCUMENTS ARE DIFFERENT THAN THE ORIGINAL NOTE AND DOCUMENTS.

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 2019-10-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/19 my paypal acount was abruplty limited by paypal and they requested documents. Legitimate documents that were requested were provided and thereafter for absolutely no reason my account was placed on indefinite hold with {$1700.00} in the balance. This is is an illegal and unjust hold of funds and is causing me a financial burden.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX reported to agencies that I was late on my payment when I was disputing the amount due. 
The car was purchased in MA and I paid sales taxes there. 
Thereafter the vehicle was moved to Texas where apparently XXXX XXXX XXXX XXXX paid again those taxes and passed to my account I disputed those extra charges since you only pay on one place.

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 2019-10-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE ROPTED TO FTC, I HAVE WRITTEN EQUIFAX WHICH MAKES SO MANY MISTAKE TO HURT CONSUMERS, AND WRITTEN CREDITOR ABOUT THE INQUIRY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Open account at the beginning of the year. Called and asked for a statement. I was told I the information was online. Requested a statement to be mailed. When I went online Citibank would not let me see my charges because I was " late ''. I made a minimum payment so I could see charges. I brought current my balance. I was then told it could take 3 to 4 days for the payment to clear and then I could see my statements. The problem is after 3 days I would be late again. I contacted the executive office because I could not  believe that they expected a {$3000.00} payment without ever showing me a statement. The exec. office called me once and asked if I was able to get the information online and I told her no. I never heard back from her. I was told she sent a letter, which I never received, addressing a problem that was not consistent with my complaint and not being able to see a statement. After a few months I contacted the exec. office to try to resolve the problem. On XXXX XXXX I spoke to XXXX who said she would email me the statements no later than XX/XX/XXXX. I requested and she agreed that she would call me to confirm that she had emailed the statements. I have not heard from her even though I have left a message asking her to call me back. I am now 90 days late and this is going against my credit which I try to keep perfect. I was told it is the company policy to block the online account when someone is late on a payment. I normally pay my account in full every month. I think it is unrealistic to ask me to make a payment for {$3000.00}, which now they say approx. {$2000.00} without seeing the charges. The outstanding balance has changed from the amount they first requested. Also, I am told I will not be able to dispute any of the charges because it is now beyond the timeframe. Please help me get statements for the charges, clear up my credit and have waived all late fees and interest. 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