vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
dear sir, this letter is a response to you letter dated XXXX. 
XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX our request for proof of ownership of the alleged debt is been denied by wells fargo the servicer ..that raises serious issues of legality of the foreclosure on my property. 
on the motion of foreclosure you are the trustee of the alleged trust but you are claiming you have no responsibility or any authority over the alleged debt or loan. 
my question here is what are your duties as trustee in the alleged motion of foreclosure. 
you represent a remic trust that suppose own my mortgage or debt, you as trustee suppose have all records with related activities. 
i will request the involvement of the CFPB IN THIS MATTER, am asking AND REQUESTING a bank account were will show the alleged account when was purchased and iID. OF PURCHASER, YOU CAN NOT CLAIMING TO BE A TRUSTEES IF YOU DONT DO YOUR JOB AS TRUSTEE. 
also am requesting a record all related payments going to certicate holders and proof of existance of my debt in the alleged trust. 
the note does not show any signs the debt was securitized ... 
and i assumed was not.. no endorsement on the note from any entities involved in the securization process. 
XX/XX/XXXX also your involved in mortgage assignment that don't assign anything because no movement of fund is showing anywere. 
if you are a trustee for the alleged trust ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XX/XX/XXXX-BACKED PASS-THROUGH CERTIFICATES, SERIES XXXXXX/XX/XXXX REQUESTING FROM YOU RECORDS OF OWNERSHIP OF THE DEBT BY A WAY OF PAYING FOR NOT ASKING NFOR A REPORT AM ASKING FOR THE PROOF OF OWNERISH OF THE DEBT BY THE ENTITY YOU REPRESENT. 
DATE THE DEBT WAS PURCHASED CHECK OR WIRE TRANSFER ID NUMBER with loan number LOAN ACCOUNT WITH RELATED ACTIVITIES ON THE XXXX YOU CAN NOT REPRESENT A TRUST THAT DOES NOT EXSIT IF XXXX CAN NOT PROVE THE EXSISTENCE OF THE TRUST WITH RELATED ACCOUNT YOU CAN NOT LEASE YOU NAME TO FICTIONAL ENTITIES QAND NOT KNOWING ANYTHING ABOUT THE TRUST AND ABOUT THE ALLEGED LOAN. 
I WILL ESCALATED TO THE NEXT LEVEL WITH THE CFPB AND THE USA ATTORNEY GENERAL IF YOU CAN NOT FULLFIL MY REQUEST OR COMUNICATE WITH THE THE ALLEGED SERVICER WELLS FARGO IF THEY HAVE THE RECORDS OF DISBURSEMENTS TO CERTICATE HOLDERS OR THE RECORS OF PROOF OF OWNERSHIP OF THE DEBT./ THIS IS A SERIOUS MATTER, DONT PLAY WITH PEOPLE LIFE. 
GIVE ME THE PROOF OF OWNERSHIP OF THE DEBT.///

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 2021-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I deposited XXXX. XXXX owned to XXXX XXXX I deposited XXXX FIL coin owned to cXXXX XXXX And some other coins I already owned like {$300.00} worth. 

All in all about {$2500.00} worth of coins Anyways I made two purchases for {$350.00} each on crypto on XXXX XXXX. 

My bank rejected the transaction so XXXX XXXX  disabled the trades and withdraws on not just what I bought but ON THE ENTIRE ACCOUNT HOLDING MY MONEY XXXX. 

This is a OUTRAGE .... anyways i resolve the bank problem and a few days later. And XXXX XXXX is now paid. 

But now they still have my account disabled I canr withdraw my crypto they refuse to respond to a email they just keep emailing saying they are " sending my email to a specialists which according to users online who have issues with XXXX this is there way of saying XXXX you were never fixing the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: LoanCare, LLC
State: AL

Complaint narrative:
The response I received from XXXX is not doing what I asked. XXXX asking all 3 credit reporting agencies to mark my account as Current and Paid Off isnt the same as Never Late I want the company to notify the credit bureaus to remove the 120 and 180 days late off my report. Just saying account is current is not the same. I want all reporting of late payments and any and all negative activity removed off all 4 credit reporting agencies from this company. I have never been late especially one report shows 120 another report shows 180 days late. I want all the late payments completely removed off all 3 credit reporting agencies as Ive never been late. I want all negative activity removed off all 3 of my credit reports XXXX, XXXX, XXXX from XXXX. Saying current is not acceptable. I want it completely 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 2021-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: RFNA, LP
State: KY

Complaint narrative:
Iam on social security and I receive {$430.00} social security and in XX/XX/XXXX I received a check in the mail for {$2700.00} Now its {$5000.00} with 40 percent interst rate XXXX XXXX. I thought it was fake but the bank cashed it. they actomatically withdrew {$140.00} than the next month I have been going with food and late on my bills during Covid 19 I paid until I idnt have the money, they kept calling, and let me skip one payment than they just sent court papers asking me to send them proof of why I cant pay them are they will send me to Jail Im so so afraid please please help me. I have been in the hospital XX/XX/XXXX for an XXXX.streesing on how to pay my bills, they have calledme and I dont have the money my electric bill is {$600.00}, and water bill all bills are behind, and they are going to have me locked up over a check I nevr applied for are had anything to do with accepts think it was help with bills.the collection comp is XXXX, XXXX XXXX  XXXX, XXXX XXXXAttorney XXXX XXXX XXXX # XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Bank has compromised my personal information and conducted an investigation with bias against my XXXX business XXXX XXXX XXXX XXXX 1 ) letter from capital one XX/XX/2021 indicated wrong account number and wrong mailing address. Same letter in bold print at the end is aggressive and a personal threat against me. 
I am attaching bank statements for the deposits from SBA as well as the correct account number. Therefore, I am requesting a transcript from all the 36 phonecalls I made to capital one where I clearly requested a change of investigator and protocols. Capital One refunded my grant without verifying my docs. 
Capital One acted out in a punitive way against my business and my person because I complaint that the investigation was inaccurate. Attached are documents proving capital one has compromised my identity by releasing documents to my previous home address and the investigation was not even performed because they never checked off the BANK ACCOUNT. Look at the numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received a letter dated XX/XX/XXXX from SunTrust bank, telling me that there was a lapse of XXXX day in my home insurance policy renewal and therefore I owed them {$13.00}. 
On XX/XX/XXXX, I spoke with a SunTrust representative name XXXX to explain that there was no lapse because : - XXXX ) I have the same XXXX insurance company, and - XXXX ) XXXX policy lapses at midnight XX/XX/XXXX an the renewal started at the same moment on XX/XX/XXXX at XXXX AM. 
XXXX told me that the original policy ended on XX/XX/XXXX and the renewal ( with a different number even though it was the same insurance company ) started on XX/XX/XXXX. 
I agreed to pay the {$13.00} to settle the matter. 
MY COMPLAINT IS AS FOLLOWS : - XXXX told me that an escrow will start to charge me to cover the cost of an insurance policy which will start on XX/XX/XXXX even though I have never had an escrow on my mortgage with SunTrust and have paid the mortgage, the insurance policy and and the taxes on time for the decade that I have had the mortgage with SunTrust. 
- She refused to generate a bill for the {$13.00} when I asked for it. 
- When I asked to talk to a supervisor who could settle the matter amicably, XXXX told me " I am the supervisor '' and refused to connect me with someone in authority. 
- SunTrust is being abusive by trying to generate a revenue stream when I have never given them a reason to doubt my creditworthiness or willing ness to pay.

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 2021-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: OH

Complaint narrative:
I received a text message with a link to a Website and a phone number. The website looked legitimate, so I called the number to resolve the issue. The seemed to have my name on file and phone number, though when I called them out for not correctly having other information attached to my name and that this is an error, they hung up on me which clued me in that it was indeed a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
I have an account on my credit report from a property management company that I am unfairly being charged for. I filed a dispute with credit agency they sent their proof which consists of a lease that is not even in my name and is not with the property as the signer and a bill that they can not verify from the property management company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Original ( vehicle XXXX loan was with HSBC in XXXX. In XX/XX/XXXX the loan was satisfied with the last statement in possession with HSBC. HSBC was contacted recently for a lien release, which was never received, who then directed the attention for the lien satisfaction to XXXX  XXXX. HSBC stated XXXX  XXXX adopted the loan account and would be responsible for the lien satisfaction statement. XXXX  XXXX title dept was contacted with all details, a fax request was sent per XXXX  XXXX request. A telephone call was made today XX/XX/XXXX, by me, for a follow up of the fax request. XXXX  XXXX XXXX XXXX XXXX XXXX is now claiming they don't have access to the account information, therefore are unable to provide the lien satisfaction. The loan was for a motorcycle which has been recently sold. New buyer needs this for title purposes. XXXX reflects the lien as still " XXXX ''. A lien satisfaction was never received by either HSBC or XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I sent out letters to all XXXX bureau. 
60 days later no response. Im sending out my second set of letters 60 days later. This is a violation of my rights as the FTC would state. Please remove all unverifiable information off my credit reports or I will file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AL

Complaint narrative:
I believe the company wrongfully deducted money from my mortgage payoff. The amount given a little over {$180000.00}. Upon paying loan off due to selling my home they advised payoff was {$190000.00}. This amount is absolutely ridiculous. I received a check for {$280.00} as an overpayment when it should have been around {$7000.00}.

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
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
Completed trial modification payment XX/XX/2021 amount {$1900.00} Remitted XXXX mortgage payment XX/XX/2021 amount XXXX Requested a fixed mortgage term for 30 years, but received final modification agreement that consist of a balloon mortgage. I did not have a balloon note mortgage prior to the modification. I do not want a balloon mortgage. Per XXXX XXXX customer service I was told to resubmit my request to correct balloon note to a fixed mortgage terms. Received a denial letter stating to many credit inquires and the credit scores were low. Mortgage assistance is not suppose to be based on your credit per the mortgage assistance guidelines. As of XXXX I have resubmitted mortgage assistance request with financials for the XXXX time. Please process request. XXXX XXXX Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
Hello, I am dissatisfied with XXXX XXXX XXXX XXXX. Last year in 2020, I was affected by the pandemic, I had never had no late payments on my auto loan. In XXXX of 2020, I made a payment before the 30 day mark, XXXX of 2020, I made my other payment. When XXXX comes I log into my portal and see that I owed XXXX car payments I was puzzled. I called into XXXX and spoke with several representatives, and they told me the payment had cleared my bank. I called back again, and XXXX manager I spoke with I gave her the names of the other managers and their departments she said none of them work there. And she said my payment was returned because my bank rejected it. I was trying to work and maintain my credit so that I could get a home for my brother and I, he has been battling a lot of XXXX issues and slowly overcoming them. I take care of him, and their is only XXXX income in my home. The representative was rude and said it was my fault my bank rejected the payment. Eventually after going back and forth with XXXX I called my bank and they said that XXXX tried to take the XXXX payment days after in XXXX on the XXXX, XXXX, and XXXX. I tried to call XXXX because on their website it says they will work with XXXX who have suffered during these difficult economic times we are living in due to the pandemic, XXXX representative just said go borrow the money from a family me member. Long story short I have called, and wrote XXXX to try and get my late payment removed as of a result of a goodwill adjustment and they still refuse, and the sad thing is many people see my car and love it. They inquire about it and Im reluctant to refer them to XXXX even though most of the times I still do. This was the only time that I had ever been 30 days late. It was just crazy because of the things the different reps said, its a pandemic, and the fact that I didnt find out about the payment until XXXX so they gave me a derogatory remark for XXXX and not XXXX and still refuse to remove my alleged late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: MN

Complaint narrative:
Have disputed the collection account several times even though it is paid in full and should be taken off. It should have never been reported in the first 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 explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: NM

Complaint narrative:
National credit Adjust won't removed off of my name an account that its not mine I have try to reach this company since last year and they would not removed this information off of my name and credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AR

Complaint narrative:
Fair Collections & Outsourcing continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The alleged entry has an account number as XXXX and the original creditor is XXXX XXXX XXXX. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Fair Collections & Outsourcing. To that end, I sent a certified letter to this company. The tracking of this receipt reflects that they did indeed receive the dispute. Their response yielded a mere fabricated statement that lacked veracity. XXXX has continued to communicate such inaccurate, unverifiable information about delinquent debts to unauthorized third parties and failing to provide written verification of debts. 

In my first dispute letter to them I requested : An agreement that states their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, Alleged account number, Date this alleged debt became payable Original delinquency date, Verification that this debt was assigned or sold to collector Complete accounting of alleged debt, and Name and address of the bonding agent for collection agency in case legal action becomes necessary. THEY DID NOT RESPOND with any of the information. They have not provided evidence of Arkansas penal codes for leasing to further validate their alleged debts. Again, further proves the inaccuracies and their negligence. The payment history for this account lacks veracity. If they are indeed a third party collection company, how is there alleged payment history reporting? This is inaccurate. It is obvious that Fair Collections & Outsourcing has no intent to honor the law nor respond to my previous disputes ; therefore, in the absence of them not responding with any documentation to validate the alleged debt, this entry must be removed from my credit report immediately.

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 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Law Office of Brett M. Borland, P.C.
State: MI

Complaint narrative:
I have an account on my credit report from a property management company that I am unfairly being charged for. I filed a dispute with credit agency they sent their proof which consists of a lease that is not even in my name and is not with the property as the signer and a bill that they can not verify from the property management company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: AVANTE
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... AVANTE ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXXXXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation