vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Dovenmuehle Mortgage, Inc.
State: OH

Complaint narrative:
In XX/XX/XXXX XXXX changed mortgage servicing companies from XXXX to Dovenmuehle Mortgage. In this transfer/change my account number for my Mortgage also changed. Since XX/XX/XXXX, Dovenmuehle Mortgage the payment processing company for my XXXX XXXX, has not reported this XXXX loan to the three major credit reporting agencies of XXXX, XXXX, and XXXX. 

Information regarding my XXXX XXXX as it currently reports to the 3 major bureaus is Closed/Transferred Acct #  XXXX on XX/XX/XXXX. Technically, this is correct. This account NUMBER was closed/transferred. However, what does NOT show on the reports and what has not been and currently not being reported is XXXX XXXX account XXXX, which is the account the old number was transferred TO. 

I have been receiving statements from XXXX account XXXX with correct balances, payment history, and have made on time current payments since XX/XX/XXXX. However, none of this account, it's existence, it's balances, it's payments history, are being reported to XXXX, XXXX, or XXXX. 

I have filed credit disputes with these three bureaus, however they can not dispute an account that in their systems, does not exist. I have been " in complaint '' of this error to XXXX beginning XX/XX/XXXX when I discovered the errors. XXXX instructed me to direct my concern to " XXXX '' with my details. This department does not allow direct customer contact and forces me to have to speak with a general customer service rep at the XXXX number. These general service reps do not have the ability to speak to the department handling my case. They also insist that they are IN FACT reporting my loan to all three credit bureaus. They are not resolving my issue and there seems to be no one to work with there. 

XXXX 's new mortgage loan processor, Devenmuehle Mortgage, is IN FACT NOT reporting to XXXX, XXXX, or XXXX the loan activity and balances on XXXX XXXX   loan XXXX for myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL, INC.
State: CA

Complaint narrative:
I am a XXXX alumni of class of XXXX, In spring of XXXX ( XX/XX/XXXX ) I was contacted via phone call by a financial aid administrator from UC XXXX to consolidate my student loans and initiated an Income Driven Repayment plan. In XX/XX/XXXX I receive a single letter and collection agency notice from a debt collector, Coast Professional Inc for an account from XXXX XXXX. Given that I had not received any calls or other notifications I quickly believed that it was a spam letter or scam. I called the agency and did not get my calls attended or my voicemails. 

I later received a call from the agency that the case had been dropped. However I received quite the scare that I could have been in a situation of defaulting on my loans and dealing with a collection agency. There should have been greater communication on behalf of XXXX XXXX on the course of action they planned to take prior to having the collect agency writing me a letter. Also as a recent college graduate I have no familiarity with my rights and the actions universities take with student loans. Two years  later I am a little more familiar with managing my student loans but feel a heavy distrust with my university and loan providers. No one should ever have to find themselves with a single threatening letter and the uncertainty if it is a scam or true practice.

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 2019-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LEXISNEXIS
State: MA

Complaint narrative:
Lexis Nexis reported a debt /Default Judgement owed to a XXXX XXXX on my credit report to my bank, resulting in my being denied a loan. 

I filed a dispute with Lexis Nexis explaining that the debt was not mine. 
Consumer # XXXX Case # XXXX I explained that : 1 ) That I am a man the suit was against a " MS XXXX XXXX '' 2 ) My Name is " XXXX XXXX '' not " MS XXXX XXXX '' as was on the judgement 3 ) I did not do business with this company and the debt was not mine. 
4 ) This judgement appears to be a default ( no show ) judgement I asked that Lexis Nexis verify the Social Security Number and Date of Birth with XXXX XXXX to provide that its not mine. 

I also explained that XXXX XXXX had tried in past to collect a large {$30000.00} debt against me and eventually dropped the case when they realized that they had the wrong person They eventually realized that the social security number and/Or DOB did not match mine. 

I never heard back from Lexis Nexis on the disputed, so after waiting well over 30 days I reached out to them. They acknowledged that I did not receive a response within the required 30 days. Mentioned that it was an issue on their end. They only explained that they verified that a judgement/lein exists. They didn't verify that it matched my Legal name, soc sec # or DOB Link to court case : https : XXXX? XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: NC

Complaint narrative:
My name is XXXX XXXX and I have applied for a mortgage with Cross Country Mortgage. I have paid for an appraisal and I am trying to get it transferred to another company. I am getting nothing but the run around from any and everybody that I speak to at Cross Country. They had no problem taking my {$380.00} to cover the cost of the appraisal and now they are giving me the hardest time releasing the product to me that I paid for. This delay is costing me time, money and energy. I get transferred from one department to another with voicemail and no return calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
CashApp is the company that I am having a problem with I purchase a purchase using CashApp on XX/XX/2019. CashApp was refunded the money according to seller Sometimes the beginning of XX/XX/2019. I sent purse back to seller through mail on XX/XX/2019, seller confirmed receiving purse. I have text messages to prove that seller return the money and received purse. I have contacted CashApp via email many times on XX/XX/XXXX,XX/XX/XXXX,XX/XX/2019 and XX/XX/2019 and I have had no reply. I would like them to return my money of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
. I have been back and forth with the bankruptcy department to look into these matters on numerous occasions and it seems like things are still not fixed. In XX/XX/2019 I received a statement showing my escrow account was negative and my payment was going to increase to {$1800.00}. I contacted this department and after 2 weeks, making a CFPB complaint and making several attempts to correct the issued, it was resolved and discovered there was an error on my escrow alaysis so an off cycle was requested. My monthly mortgage payment was fixed and back to {$1300.00}. I have now been sending in {$1300.00} as accepted through two representatives with that amount. Below is a statement from LakeView who sent me showing my payment due date, amount past due and current charges on the loan and showing the date these withdraws have been completed. I should only be showing due for XX/XX/XXXX payment due in the amount of {$1300.00} plus late charges and fees. I have spoken with two representatives who were extremely rude, and talked down to me and refused to walk me through what they were saying. They stated its not their job to walk me through anything and the account is behind. One rep actually argued with me the entire time on the phone. One by the name of XXXX who actually was the one who incorrectly escrowed my account and refused to look into it then it the same one REFUSING to look at my payment history. I have been placed on  hold and basically shown that I dont matter as a consumer and that there is no care in the world. Ive asked to speak with managers multiple times and they stated they didnt know when they could talk and that they had things they were doing and would get back to me whenever they felt like it. I am now requesting this in writing as what was mentioned that I need a pay history, and updated explanation on why its showing Im due for XXXX and why my payments are not being applied to my mortgage corrected if this is my statement received. Please look at the documents below proving Ive made my payments and the dates they were made and this statement. My bankruptcy cases is going to be discharged and I need this corrected so I can reaffirm my mortgage. This servicer refuses to work with customers in bankruptcy and has NO indication of my payment amount that theyve been accepting. Now that I want to reaffirm my mortgage they all of a sudden say Im three months passed due, even though the statement is showing otherwise. This servicer should not be allowed to be working with loans. After hours on hold, being talked down to and mislead nothing has been resolved.

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 2019-07-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY

Complaint narrative:
On XX/XX/2019, someone obtained my personal information and fraudulently opened a Kohl 's credit card in my name, as well as applied for 2 other store credit cards with out my knowledge. The Card was sent to my address, as well as a letter in a separate envelope from Kohl 's stating they couldn't verify my information, and suspected fraud, yet they continued to open the credit card anyways. I was completely unaware of any of this. I check my credit on a weekly basis, and nothing showed up on my credit until a week after the events occurred. I contacted all three credit bureaus to place a fraud alert for one year on my credit file. I called Kohl 's to let them know of the fraudulent activity. They said they would close the account, and make the inquiry a soft inquiry instead of a hard inquiry. Then a few days later the Kohls credit card showed up on another credit bureau, which I will now have to contact them again and have that removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: IL

Complaint narrative:
I requested my credit report from Transunion on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX  in the file that Transunion maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing an account was charged off {$1900.00}. I wrote and certified mailed a letter to Transunion challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX  and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX or any means of automated verification. They replied back that XXXX XXXX  " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Transunion Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to b provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.

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 2019-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I call Bank of America and they transferred me to their investment office in XXXX Washington I remember talk to Mr. XXXX where he look up my record and he said he could not access my account because my ex-wife was on my account but he said that my wife name was XXXX but maybe he could not read because her name is XXXX. I call their main office in XXXX, North Carolina and they never answer me I file a case in XXXX county court for discovery and they did not know where to file it and they sent to the appeals courts.

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 2019-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: ID

Complaint narrative:
I used Coinbase to purchase {$6000.00} of XXXX on XX/XX/2019. On XX/XX/2019 I received a notice that another purchase was being initiated for the same amount. I did not initiate this purchase and it was not authorized. I attempted to contact Coinbase twice by telephone and was instructed that no customer service was available by telephone and that I would have to initiate a case on the Internet. I initiated a case and received a confirmation email. Coinbase attempted to withdraw funds from my bank account, which was declined. I received a subsequent email from Coinbase Support on XX/XX/2019 stating that they would be reviewing my case. I sent several replies with no response. I have attempted to call several more times. Coinbase seized XXXX from my account to cover their unauthorized purchase and subsequently sold it at a loss to me. They have stolen my money and I can not even get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: UT

Complaint narrative:
Equifax is reporting on an XXXX # XXXX, and # XXXX accounts. I have disputed this previously with no resolution. These accounts were included in my bankruptcy and are paid off but Equifax is still reporting and updating them monthly on my credit. They are continuing to damage my credit in error. This needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HW Holding, Inc
State: CA

Complaint narrative:
Between XXXX and XX/XX/2016 I gave my apartment manager 30 day notice Verbally, she failed to mention it had to be written, she said ok I'll send you the paperwork for it. 2 weeks later she said she forgot, and then tried to charge me {$2000.00} extra after my father and primary applicant paid the last months rent. I had no damage to the apt . whatsoever and she took the whole {$2500.00} security deposit. My father, nor I was notified that she was going to sue. She knew we were just getting on XXXX XXXX XXXXXXXX XXXX, and that's why we were moving. My relative was the primary applicant, and paid each months rent and any late fees. She knew I had no income and was pregnant. Why am I being punished. Not only can myself, my husband whose a vet, and our XXXX children loose our housing voucher, but we could be homeless soon since I cant get approved to move into a new home. We are getting Denials, and we have a few weeks left to find a place. The manager made false accusations regarding what the security deposit was used for. The last almost 3 years we have been doing great with our landlord who would vouch for us as being good tenants, and plans to give us partial security deposit back. If I could get help with this, it would be greatly appreciated. This has been unfair and unjust. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
Paypal has demonstrated a pattern of transacting from my account without authorization. The latest problem involves a checking account with XXXX XXXX XXXX XXXX that is currently the subject of a complaint with the CFPB. Despite the fact that I removed that checking account as a payment source from my XXXX account, and added a different payment method, PayPal decided to transact from the checking account. Yesterday, I filed a dispute with them to stop the transaction and use a different payment method. That was before they sent the money from my XXXX XXXX Account. They refused, saying the " transaction was not unauthorized ''. Today, I called and spoke with two managers, and both of them refused to stop the transaction. Although I have told them that I did not and do not authorize the transaction, they insist that they know my intention better than I do, and they are substituting their intention and their will to conduct monetary transactions from accounts that belong to me. 

They claim that I have a billing agreement with XXXX, so therefore, they can transact from that account without further input from me. I told them that I updated my agreement with XXXX to change the payment source. Furthermore, their point is moot for the reason that I have stated my intention clearly that this is not a transaction I approve. 

This is not the first time. On XX/XX/2019, PayPal sent {$15.00} to XXXX from my PayPal account, even though I had purchased nothing from XXXX. This was actually the second instance of them sending money from my account to XXXX without authorization. The first time, I filed a dispute with PayPal and they refunded my money after " investigating ''. Nevertheless, they disregarded what they learned during their " investigation '' - that I have purchased nothing from XXXX for {$15.00}. They " denied '' the dispute that I filed, and only refunded my money when I called, and threatened to escalate the matter if they don't stop taking money from my account without authorization. Given the nature of my dispute with XXXX XXXX XXXX XXXX, it is not unreasonable to suspect that PayPal 's actions are not innocent mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bank of America On XXXX XXXX-XXXXXX/XX/XXXXand XXXX of 2019 I filed complaint with the CFPB on your institution pertaining to a FCRA violation of a FDCPA account XXXX was charged off on XX/XX/2019 I asked you to look into the way that you were reporting to the credit agencies about this account as I had did my research/ investigation you sent this account to a 3rd party debt collection agencies in y to collect on it. however per the FCRA the creditor MUST MUST indicate on a consumer credit report that the account was transferred and or sold. I submitted your responds in a file in which you indicated in a letter saying if i had question about the account I needed to contact XXXX directly at XXXX XXXX XXXX the account was not in your possession therefore you would have had to report the account as Transferred. then you go on to say federal law require bank of America to report fair and accurate payment history! Now I'm turning the table around on you Federal law requires creditor such as yourself to report fair and accurate information on a consumer credit report in this cause you are in violation of the FCRA due to the fact that you didn't report you had transferred the account to a 3rd party debt collected or not. As of my lasted credit report you are still in violation of the FCRA So I asked you to delete this account immediately and also and have the credit reporting agencies send me a updated credit report with the deletion. also you could be sued for {$1000.00} per the 4 credit agencies. Please comply and have this item removed asap. also You are the Only bank that will not reply back via the cfpb site claiming the information don't match I asked you to please respond via this site if this item is not removed I will file Legal action due to the fact that you are in violation and reporting unfair information on my credit report! I will be awaiting your responds!

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