vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
In a letter dated XX/XX/2018 it reads that I did not make a payment in XX/XX/2018. 
I have never missed a payment to Select Portfolio Servicing at any time and I will attach proof of payment. I have also contacted XXXX XXXX. They are immediately sending me documentation that I will forward to your company. 
I do not know why Select Portfolio Servicing would document this error and would like a correction letter send to me and my account made to reflect that I have not missed any payments to your company. 
This is a very serious matter to me and I am once again being pushed into a negative account status through errors created by a Mortgage Company ; that then tries to force negative repercussions to those errors, such as Default etc. 
I have attached payments made in XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 along with the receipts so there is no error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
US Bank setup our escrow account in a way that created a hardship for us. We had an agreed upon payment that we felt comfortable with. Unknown to us the loan officer did not fund our escrow account. Our first payment was due in XXXX, the taxes were due XX/XX/XXXX. The account was funded with {$230.00}, the taxes were {$1700.00}. This made our monthly payment go up over {$120.00} a month. We've tried to get answers from US Bank and they say " well its your taxes you have to pay them ''. That is fine and I'm not rebutting that. We feel like we should be refunded whatever fee we paid to the loan officer as the services were not rendered. The bigger question is whether or not this is a common practice of US Bank to put borrowers under immediate hardship as a method of causing foreclosure on loans.

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 2019-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
Coinbase had froze my account do to a security breech on there end. I asked that they take all unauthorized purchases off my account. However, I said I wanted to keep ( make final payment on the coins. I had bought them at {$80.00} per coin. coon after they went up in value. I contacted coinbase to get a number on the amount owed. I also needed to transfer bank accounts. I was told a supervisor would call. they did and nothing was done. the next day I see coins that where not there before. 
At this point, I call coinbase to inform them my account was compromised. they freeze my account with over 80k. XXXX paid off with the profits realized by coin appreciation. They said they would take care of the issue and reinstate my account. they did nothing. just let the system reclaim the coins without letting me pay. I asked then to hold the coins I had purchased.. they returned the account with {$600.00} left. I am getting nowhere with them. they will not do anything to help resolve this issue. I am furious that a company can get away with this type of scam with impunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
The company called credit Acceptance I have requested in writing to receive documentation to verify this debt and also a deficiency document that shows what I supposedly owe I send this letter certified mail which they received on XX/XX/18 they havent responded and has been more than thirty days the company has sent back a generic faq sheet about how they share information I also sent in all my identifying information have not received a response yet currently reporting on my credit report as owing XXXX dollars I would like to see the documentation that is backing this claim

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 2019-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XX/XX/2019 My mortgage was sold recently, it used to be XXXX but they sold it to MrCooper.com. I went to the new mortgage lender 's site and registered so I could download monthly statements after I make my payments each month. I noticed there is no loan balance on the monthly statements. There is a breakdown of each payment such as principle vs. interest, but NO LOAN BALANCE on my statements. That is required by law. I have contacted MrCooper.com more than once through their online message system but they refuse to respond and they have not changed the monthly statements either to include the loan balance. I don't have an escrow account, I pay my property taxes myself directly to the county assessor 's office, so this is just about my loan balance -- I need to know what it is each month and they're required to provide it to me. They won't do it and again, they won't respond to my concern either. This seemed to be my only avenue to get them to both reply to my concern AND to provide me with my loan balance as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: GA

Complaint narrative:
I recently discovered inaccuracies on my credit report. I disputed the accuracy of XXXX XXXX on my Credit report. the series of disputes went as followed i recently sent a letter on XX/XX/18 disputing this account they signed for the letter on XX/XX/18 which they marked disputed and verified i then sent another letter asking to provide me with proof of how the account was verified and present a contract bearing my signature, which they failed to do so. This is my last attempt to clear this matter up before we take the matter to small claims court and sue for {$1000.00} per violation .Please remove XXXX XXXX from my credit report as it continues to promote negative / inaccuracies on the credit file you hold in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN

Complaint narrative:
calls from them several times a day, everyday. i told them that i was in financial trouble and to stop the call and messages, that i would let them know if things changes.dates are from XX/XX/XXXX thru XX/XX/XXXX. one main financial at XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
OCWEN now charges to collect mortgage payments A few months ago, OCWEN changed how they collect mortgage payments. Now, on their web site, you must sign up for their auto bill pay system, or you are forced to use a third party bill pay system - XXXX XXXX ( which charges {$7.00} ) in order to complete the process of paying your mortgage. 

I have never experienced a mortgage lien holder or a bank ever charge a customer for payment. Aside from inconvenience, I'd like to know if this is legal. This is not the contractual repayment plan we made, and me simply raising this with them - I have no voice and no power to affect change. I just get transferred around and put on hold for long periods of time with no one able to help me and no one empowered to be my voice within the company. 

Lastly, I would like someone from CFPB to weigh in on if this practice is considered legal. 

Attached sample XXXX and mortgage payment confirmation. 

Help!

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 2019-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
To whom it may concern, Portfolio Recovery Associates reported 2 accounts to the credit bureaus and has been contacting me about two debts they say I owe them. I have never done business with them and I do not owe them any money : no credit has been extended nor any services ever rendered to me from this company. One debt is showing on my credit report as {$880.00} and the other is {$730.00}. 
I sent a letter to them to verify that I owe them money on this account according to the FDCPA and they could not verify through any signed contract or document between XXXX  and I proving that Im responsible for the debt on this account. I informed them that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from Portfolio Recovery or any company that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entries. I am requesting just this or I will be forced to take legal action against Portfolio Recovery Associates at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair  Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I requested proof from them in writing which they received through certified mail on XX/XX/2018. I have attached my receipt from the certified document as well as a copy of the document itself and the response I received from Portfolio Recovery and Associates regarding these accounts on XX/XX/18 which included account statements bearing no signature and is no deemed acceptable to the FCRA & FDCPA as proof. 

Thank you for your time and attention on this important matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i was a payment behind, then running a payment behind 3 to 4 months, then i contacted my lender for assistance with getting caught up with assistance and a loan modification.my lender assigned my a loan rep which determined i need to short sale my home.i advised i wanted to keep my home and if there were any other options available.i filled out a loan modification with a hud counselor submitted it.no response back for 2 more months and received another letter stating to short again, the hud rep try many times to respond back to lender and no response except that he could not communicate because there was no authorization form on file to discus with the hud counselor, the authorization form was on file since XX/XX/2018.i need a loan modification .i have been employed with the same employer for 30 years.i feel behind payments due to a XXXX XXXX.i am recovering and just want assistance with saving my home.

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 2019-01-18 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: MO

Complaint narrative:
All 3 reporting agencies, plus XXXX, XXXX, and a number of others. I am XXXX and XXXX and have had criminal investigators from the US GOV helping me from 2 field offices and, the IRS, State and local law enforcement. In XX/XX/2013 my identity was stolen and my tax return was never delivered to me. They re-routed it to Texas and then north where it was cased. The CI 's  worked on this for 4 years and finally had so many other cases they threw in the towel. Well, these crooks have destroyed my life. I have nothing left except earning my XXXX XXXX XXXX at XXXX. I cant get a car, house, credit card, not even a secured one. There are almost 700 inquiries on my reports and I dont recall instigating any of them. I have to live with my parents and have since this happened. They ruined my computer, tapped into my cell phone, stole my information off both of them so trying to go to school I am using my grandmas little bitty laptop and a pre-paid phone. My life was stolen from me and they are still doing it. I cant live like this anymore. Life has no meaning anymore and the credit burieas dont really care. Ive contacted them every year, put freezes on my accounts and they all 3 still let people do inquiries on my reports. I want a clean slate. I am the victim and didnt ask for this.Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 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: MO

Complaint narrative:
All 3 reporting agencies, plus XXXX, XXXX, and a number of others. I am XXXX and XXXX and have had criminal investigators from the US GOV helping me from 2 field offices and, the IRS, State and local law enforcement. In XX/XX/2013 my identity was stolen and my tax return was never delivered to me. They re-routed it to Texas and then north where it was cased. The CI 's  worked on this for 4 years and finally had so many other cases they threw in the towel. Well, these crooks have destroyed my life. I have nothing left except earning my XXXX XXXX XXXX at XXXX. I cant get a car, house, credit card, not even a secured one. There are almost 700 inquiries on my reports and I dont recall instigating any of them. I have to live with my parents and have since this happened. They ruined my computer, tapped into my cell phone, stole my information off both of them so trying to go to school I am using my grandmas little bitty laptop and a pre-paid phone. My life was stolen from me and they are still doing it. I cant live like this anymore. Life has no meaning anymore and the credit burieas dont really care. Ive contacted them every year, put freezes on my accounts and they all 3 still let people do inquiries on my reports. I want a clean slate. I am the victim and didnt ask for this.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 2019-01-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Opened a HELOC with Ditech in 2007- set payment {$200.00}. Somewhere down the line it ended up with XXXX which was fine, then sold off to Greentree which was a constant problem so I started paying $ 1000-2000 a month just to get it over with but they refused to accept any more payments once I got 12 months ahead of the curve. Say what? You don't want my money? Anyways, Greentree apparently changed the terms of the loan and now I have an escrow account. Two years later I realized it wasn't going away because I was paying homeowners insurance and property taxes twice which ripped me off for over {$6000.00} cuz I wasn't looking. This is when I heard of Greentree / XXXX XXXX Class Action Lawsuit and suddenly I'm back with Ditech ( but with altered terms- escrow ). For the last 3 years I have tried to get Ditech to remove the escrow requirements since they are not my primary mortgage lender. Ditech finally did after some " legal intervention '' but now charge me a {$6.00} monthly " servicing '' fee and every year they force place insurance policies on my account and the phone calls start all over again. Hello year # 4. A simple XXXX search revealed a lot I did not know regarding how XXXX  suddenly disappeared during the Class Action and is now Ditech. Thus why I join the ranks of the growing dis-contentment in a public forum. I just want my original terms which I have in writing from 2007 honored and stop all the shenanigans to score a few extra $ $ $ from people who thought they could trust a contract. -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 2019-01-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018- 30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2019, I received my credit report and notice multiple hard inquires on my report. I called the companies for letter of deletion but they told me to dispute with credit bureaus is my only option. So I called Transunion to dispute them and they told me to call the companies again and get a letter of deletion and an authorize letter. I feel that they both are giving me the run around. Below I am attaching an attachment of all inquires that I wish to be removed.

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 2019-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - 30 Day Late XX/XX/XXXX - 30 Day Late ; XXXX/XX/XX/XXXX XX/XX/XXXX 60 day late I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/2019, I contacted Chase Credit to ask for a goodwill removal of a 30-day late payment. I explained to them that the late payment was not incurred due to my inability to pay. It was incurred due to problems with mail forwarding and dealing with my sick father. 

I've attached a copy of my bank statement as evidence of sufficient funds in my bank account to make the payment that is due, despite being impacted by the government shutdown. 

Also attached is a copy of an email sent to my employer to update my address. My team leader notified me that mail was returned as undeliverable. 

Despite the reasonable case that I've made, Chase Credit is acting unreasonably in assisting me correcting this mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I applied for a mortgage through LoanDepot Direct/Online, went house hunting, found a house, made an offer, got accepted and locked down the loan with them. They stated the appraisal needed to be paid upfront ( {$490.00} ) and wouldn't be performed until I gave the go-ahead. I had the property inspections and decided not to proceed/cancelled escrow. I notified LoanDepot the same day I cancelled to not perform the appraisal and they acknowledged. A few days later I received an email with results of the appraisal being performed. LoanDepot guaranteed the full appraisal cost would be refunded because of a breakdown in communication where the local appraiser was not notified to cancel in time. Believing I would be refunded, I continued to look at houses. 
I found another house, submitted an offer, got accepted and went into escrow. Before paying the appraisal fee upfront ( {$420.00} this time ) and locking the loan, I asked the LoanDepot agent to CONFIRM that appraisal would not be performed until I gave the go ahead and he assured me it wouldn't happen again. Same scenario as the first time. I performed inspections, backed out of escrow and notified LD agent to cancel and CONFIRM the appraisal wouldn't happen. I then get another email a few days after cancelling escrow that appraisal has been performed again. 
Numerous emails, phone calls, voicemails and weeks later, I got fed up and opened 2 claims with the credit card company I had used to pay for the appraisals upfront. 
On the first claim, LD then refunded {$340.00} and the credit card insurance covered the rest for a total of {$490.00}. 
I just got notice yesterday that the second claim was rejected because they had already paid {$340.00} on it ( this was from the first claim ). It's been about 3+ months since the original transactions. 
I'm hoping this is a mix-up but I doubt it the way that LoanDepot ignored my contacts. I'm reaching out to my credit card company to see if I can fight this resolution. 
If anyone can help me I'd appreciate it! I have email and voicemail proof to back up my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief