vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested a validation letter showing my social security number, my texas identification number and my signature and company failed to do so, they send me a letter with only a name saying XXXX XXXX and a signature thats not mines and nothing else i will like this removed out my credit report immediately due to incorrect verification, if failed to do so i will be filing a lawsuit for having incorrect information on my credit report and not verifying correctly wit all the correct details you are damaging my credit worthy ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
They keep sending me letters with my name spelled incorrectly they keep spelling XXXX XXXX XXXX XXXX and my name XXXX XXXX XXXX XXXX ( not XXXX ) please fix that immediately and i told them to delete every address thatt dont belong to me and they still havent, i never lived in none of the address below please delete which is XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX, texas XXXX and XXXX XXXX XXXX XXXX XXXX tx 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 2018-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
In spring XX/XX/XXXX I took a conventional 30 year mortgage with Bank of America NA. At that time I attempted but was unable to set up online access via the internet in order to make my monthly payments. 

In XX/XX/XXXX I recontacted BofA and again attempted to set up online access to the mortgage to make my monthly payments. Numerous phone calls to BofA locations in XXXX, NY, XXXX, TX, XXXX, NC, Montana, XXXX, AZ in XX/XX/XXXX through XX/XX/XXXX and most recently XX/XX/XXXX with customer service ( in XXXX ) I am advised that their Technical Team ( XXXX XXXX ) is still unable to make this happen. Their case number for my request is XXXX. 

I continue to make my monthly payments via US Mail but would prefer to use my BofA online account for ACH/electronic payment. 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 non-monetary relief
Consumer complaint received 2018-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
From beginning of XX/XX/XXXX up until XX/XX/XXXX, I have been trying to work with my lender to try to get something done about the property. I informed them back in the early party of XX/XX/XXXX that i had been laid off of my job and i needed to do a loan modification to try and offset what i new would happen inevitably. I tried to do the modification, but eventually my unemployment ran out, so i began to look for a buyer, when i could not find a buyer on my own, i recently went to a Realtor. I was under the impression that i had to pay a realtor to actually list the property. I do not deny that a lot of this situation is procrastination on my part, but i need this short sale to make the matter right. 
The property is listed at {$130000.00} and we have had a lot of activity with phone calls and showings. I currently have an offer that i would like for the lender to review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MT

Complaint narrative:
on XX/XX/XXXX I sent a wire for {$25.00} over to Coinbase INC/XXXX XXXX in XXXX. On XX/XX/XXXX they sent me an email saying that they could NOT accept the wire and they would send it back to my bank in 10 business days. Has been almost 2 months now and no money. I have contacted coinbase and asked them about it and all they say is we are very backed up and a specialist is taking care of your case and you will get your money soon but so far nothing. I would like them to return my money so I can feed my family. 2 months is unaccepted time to hold someone's money for no reason. 
Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: NY

Complaint narrative:
This company I mail my payment to ansd they take almost 2 weeks to actually cash my payments. Constantly charging late fees. My bank XXXX XXXX XXXX notified me of this process. When it is late I pay a late fee with it however it does not take 2 weeks to post a 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 2018-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo continues to be non-responsive to repeated errors with simple mortgage loan recast. Received invoice for statement date XX/XX/2018 and payment date due of XX/XX/2018 with incorrect principal amount and incorrect total amount due. Amount due reflects previous mortgage amount and not recast amount and principal balance is wrong, failing to account for large balloon payment made on XX/XX/2018. It is truly astonishing how inept this organization is. I have never encountered such a lack of coordination and a lack of accountability. You should run from this organization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Risecredit, LLC
State: TX

Complaint narrative:
My report shows there has been fraudulent activity on my report form different creditors and i dont know how to fix it or how it got there

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I have contacted ChexSystems on a number of different occasions about the inaccuracy of an account that they are reposting in my credit file ( XXXX XXXX ). They have done nothing to try and help me resolve this issue except tell me to reach out to the back in which I did and spoke with a rep name XXXX who had no idea what account I was speaking of and said that he is unable to help me but he would forward my complaint over to his chairman. I am very frustrated with this issue as it has stopped me from being able to open a bank account

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

Complaint narrative:
On XX/XX/XXXX, got adviced by Coinbase support to create a new Coinbase account. As my old account is no more accessible due to authentification issue, that would allow them to transfer the balance from my old account to the new one. 
On the same day, I did create a new account, I mentionned to Coinbase Support my old account and new account emails. 
Still on same day, Coinbase Support then informs me that they're working with a specialist in order to perform the balance transfer from my old account to the new one. 

Then, no news from Coinbase Support, while my money is locked for almost one month now. Got no answer from email sent after to Coinbase Support, no answer from XXXX Coinbase Support user " XXXX '' in order to try resolve my issue. 

Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-02 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I have a complaint against Transworld Systems , Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PA XXXX ( XXXX ) XXXX. I was treated at XXXX XXXX XXXX XXXX on XX/XX/XXXX for the last Appointment in treating a XXXX XXXX. I have no co-pay from my insurance and never had to pay one for  any of my treatments. All of a sudden I received a statement that I owed {$100.00}. The last time I spoke to XXXX XXXX XXXX at Transworld Systems on XX/XX/XXXX at XXXX XXXX with a complaint because I received a written letter on XX/XX/XXXX from them saying I still owed this money. XXXX XXXX XXXX took my ID # from my health insurance to resolve the problem. I am really upset even more now because they have not resolved the problem because when I received my house insurance bill, I was informed that my credit was now affected and my bill was now higher. I feel that I have been a victim by this company and that they should be stopped from defrauding others.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Finance of America Holdings LLC
State: FL

Complaint narrative:
We negotiated a reverse mortgage with Finance of America. The specialist we dealt with was XXXX XXXX. After agreeing to terms, we signed the necessary documents and were given a 3-day grace period to change our mind, after which the initial payment would be wired to our bank account. Although we signed everything as requested, the money was never transferred. Instead, we received an email from the company indicating that they made an error with the application and that they could no longer fund the loan. The error was a very simple arithmetical error on their part ( not ours ) and we were unaware of it ( it was not included anywhere in the documents we signed ).

We are now in limbo and may face significant financial hardship as a result, with outstanding bills due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: MARINER FINANCE, LLC
State: OH

Complaint narrative:
Last year approximately XX/XX/XXXX I paid Mariner Finance a lump sum payment of around {$3100.00}. This was for the purpose of paying off my loan. I considered the matter closed. However, it has come to my attention that there remained a balance of {$87.00}. Now they insist that I owe them {$540.00}. I was unaware that the amount did not match the payoff. I have talked to them at length regarding the issue. I received no emails or regular mail regarding the issue. They claim everything is done with paperless billing. I never set up a paperless billing account?? They have acknowledge that it appears my intent was to pay the loan off in fullbut are telling me my only option is to pay the {$540.00}. I asked why this wasnt reported to the credit collection department and they said because I was paid up till some time in XXXX! So, the account is actively open, Im not late, and no payment is due till some time in XXXX?!! 
THIS IS SOME SHADY LENDING!! PLEASE HELP 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 2018-02-02 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: GA

Complaint narrative:
On XX/XX/2018 I received an alert that I have a debt. First of all I dont know where this came from. The address listed on this account isnt mine so how could this debt be for me? I have phone services with XXXX XXXX XXXX, I never had any mobile services with XXXX so I am unaware of this error that your company is reporting inaccurately. I have contacted the Police department and this is being investigated as to where this came from. I have filed an FTC Complaint and I am now forced to take legal actions for accusing me of owing a debt to your company. If this debt isnt removed there will be consequences and fines when we are due to be in court I will be suing for damages that you have caused and the distress on my life and credit file. Your company reported an error on my report. I will forward all records of documents to my lawyer and we will begin the process of taking this court immediately. I asked your company to verify and signatures, documents or any contracts bearing my signature along with the steps your company took to verify this debt. I called an explain that this account didnt belong to me and Im unaware of it and the rep told me I would have to pay no matter what. You cant force a bill on a consumer because the name and the social apprears on the account. I am an identity theft victim and I my files have been leaked in the Equifax credit breach. I believe this may be the reason for this debt. If you continue to place error accounts or information on my credit without doing a thorough 100 % validation that this debt belongs to me then it must be removed by law because youve violated my rights and laws within the FCRA sections 609, 611, 612, 605 and FACTA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/2018, the Commonwealth of Virginia on behalf of XXXX & XXXX XXXX, et al. brought forth a case against XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX. The case was concluded with XXXX XXXX XXXX, owner of property being forcefully removed from the court in handcuff ( s ), placed in a holding cell and then transported to XXXX XXXX Regional XXXX for the second time surrounding this property. XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX has not authorized a property address change and did not grant her property to any party other than herself. This matter is required to be reported to the United States Department of Justice and per EEOC discovery, I, XXXX XXXX XXXX am required to turn over these documents as well as any expenses occurred to the U.S. Department of Veteran Affairs attorney.

Additionally, I just received a check in the mail for the Wells Fargo Property Inspection Settlement and the amount is deficient. The check is for {$63.00}, however, the advance amount is {$2500.00}. I will be turning these matters over to the EEOC attorney for the USDVA as well as requesting the balance due on the property inspection fees diverted as well as any other fees such as your attorney ( s ) fees, foreclosure fees in which I did not indicate my mortgage payments could be directed to a foreclosure sale, and there is no evidence of a foreclosure because it did not occur because it was halted by a case filed against your attorney ( s ) XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX, Legal owner of XXXX XXXX XXXX XXXX, VA XXXX. This remains a XXXX discrimination claim as XXXX XXXX XXXX, legal owner remains to be an XXXX XXXX and the XXXX, et al. are 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 2018-02-02 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: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I received a payday loan from XXXX XXXX XXXX and incorrect amounts were with drawn from my checking account on several occasions. After speaking with XXXX XXXX XXXX it was noted that I applied for 2 loans which I had not. They informed me that it would be corrected and I did not have anything to worry about. My original the account was paid in full and should have never been forwarded to a collection agency. I informed AD Astra via certified mail and they still are trying to collect and this account remains on my credit report. The 2nd account must be and err or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I made a mortgage payment on XX/XX/XXXX for {$680.00}. I receive an email stating my account was short XXXX. I want and put XXXX in my account on the same day I received the email to cover the mortgage and the company. On XX/XX/XXXX I received another email stating that the mortgage payment reversal for {$680.00}. and I was charge {$35.00} when the amount was in my account to cover the 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 monetary relief
Consumer complaint received 2018-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received a payday loan from XXXX XXXX XXXX and incorrect amounts were with drawn from my checking account on several occasions. After speaking with XXXX XXXX XXXX it was noted that I applied for 2 loans which I had not. They informed me that it would be corrected and I did not have anything to worry about. My original the account was paid in full and should have never been forwarded to a collection agency. I informed XXXX  XXXX via certified mail and they still are trying to collect and this account remains on my credit report. The 2nd account must be and err or fraud.

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