vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: MA

Complaint narrative:
My mortgage was transferred from XXXX to Statebridge XX/2015. No paperwork was received. I had to contact XXXX to receive information on new company. Statebridge continuously state for a year and half I did not have a mortgage with them. After making contact with them I sent a bank check in certified mail-XXXX, I sent another bank check that was returned. I then contacted Statebridge.after numerous attempts and over one hour wait times ( phone records for proof ) I also had sent weekly emails to the company with not one response, I did receive statements I made contact with a person named XXXX who stated they would not accept my payments at this time and I was in active foreclosure. I then asked for some type of modification I had most funds but insurance had escalated. My insurance was {$1800.00} they were stating my flood insurance for {$7500.00}. The representative stated to apply for a modiication, I did the modification three times all times stating they did not receive. I then asked for one specific representative her name was XXXX XXXX which I did process twice waiting or a response I contacted Statebridge and they stated she was no longer with the company. I then was assigned to a XXXX XXXX I did modification again but they requested I get a binder for insurance. I then had to reapply for modification and received a binder with XXXX XXXX which I paid again did not hear and when I contacted Statebridge I was told XXXX XXXX no longer works for Statebridge. I then asked to speak to a head supervisor as the entire process was a debacle. I then made contact with XXXX XXXX, I at this point was required to attain flood insurance in which I purchased. I finally received a modification but at this point my interest went from 5 to 6 % I honestly thought it was an error. I contacted her and she stated the investor wanted it that way, I would have to do another modification and try different options-she then stated I needed an appraisal from XXXX XXXX which I scheduled. I CONTACTED XXXX AGAIN as I did not receive any response. They stated the appraisal was never completed and I would have to do another appraisal visit in which I scheduled. I then again made contact with XXXX XXXX to find out she is no longer with Statebridge and XXXX XXXX was contact. I contacted XXXX XXXX at this point I was offered a repayment plan with a % XXXX down  payment and a mortgage payment of {$6200.00}. This company is completely disorganized and I have in good faith tried to work with them. I am able to put down a down payment but ask for a reasonable mortgage. I have all emails, first modification but was unable to send as file was to large. I can print and forward if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank Of America released {$11.00} that I did not charge to XXXX XXXX XXXX. I have yet to be refunded by Bank of America Bank of America denied me before the Customer Dispute Form Came. 

XXXX XXXX, 2017 the came the Dispute form came 2 days after I have uploaded proof of the letters Its nothing but a rip off by Bank of America and 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 2017-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: GA

Complaint narrative:
Been trying to get procollect to validate a debt they say I owe but they refuse to validate it, I been asking over 6 months & still they refuse, calls, emails, certified letters, emails, XXXX complaint, FCRA. Complaint & if it 's my debit please validate it cause it 's not money & they trying to collect money something I do n't owe, they placed it on my credit but wo n't validate it XXXX I  spoke with her on XX/XX/XXXX she claim she was going to send a validation and I have yet to receive anything ... cause this is a fraud collection agency & they ca n't validate theses debits they trying to collect on..I am XXXX & if the trying to scam me I can imagine how they doing the elders they take advantage of people, they try to make you pay something not yours & wo n't validate the bill ... If they knew this was my bill they would have been validate this but they ca n't cause they do n't have nothing to validate with but they keeping it on my credit & when I dispute it they says it 's validated but wo n't send proof to me!! I emailed the office back cause they told FCRA they will be sending me Validation I will upload the email I was sent a few mins ago ... I have USPS mail where my mail gets scan in the system & I receive a email every morning what 's coming in my mail box ... NOTHING FROM PROCOLLECT but let him tell it he been sending for years how when I just disputed this month 's ago it 's not making sense at all I called post office it 's going to take 3 business days to get me a print out of all my mail from the last part 3 years to show it 's nothing from then this is how bad he LIE ... if you lie about a simply validation wow what about the account it 's self!!

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 2017-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LTD Financial Services, L.P.
State: CO

Complaint narrative:
I was checking my credit report and saw that on XX/XX/XXXX a debt in the amount of {$790.00} was posted to my XXXX credit report. The original debt collector is listed as XXXX XXXX XXXX XXXX  for XX/XX/XXXX. I have attached a document that shows the XXXX recording of the error on pages 7,9,11,12, and 13. I have never done business with a company by that name. I have no idea where this charge came from. It is not my charge. I never received written notification about the debt.I would like this erroneous debt removed from my credit report. I am reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX UT XXXX, Business Phone : XXXX, and LTD FINANCIAL SERVICES, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX for fraudulent charges and collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX my lease account with XXXX XXXX in Puerto Rico was paid in full. On XXXX the account was shown in the credit report with " Collection '' status and indicating missing payments onXX/XX/XXXXand XX/XX/XXXX. Letters and personal handling of the payment in full documentation was provided to XXXX XXXX  with their response indicating that the corrections will be performed. 

On XX/XX/XXXX during the purchase of a new car, the credit report on XXXX still indicates the account on the same status : Collection and with missing payments on XX/XX/XXXX and XX/XX/XXXX. Communications were made again with XXXX XXXX with the same indication that the situation will be corrected. The interest paid to have the car were higher that the average due to this report. 

A new credit report was received from XXXX, with this account on the same status. A call with XXXX XXXX  was performed today,XX/XX/XXXX, with XXXX XXXX at XXXX from XXXX XXXX and her indication was that they have the documentation that was provided on XXXX, but no correction was made.

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 2017-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: GA

Complaint narrative:
This account was included in my affidavit mailed to the Credit Reporting Agency as well as the debt collector. Trident has refused to respond to my request and continues to report identity theft information to XXXX. XXXX reported that an investigation has been done as well and continues to report this information as fact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I was late paying my auto loan, Westlake Financial has called my work number 5 times in 2 1/2 hours ( XXXX, XXXX, XXXX, XXXX, XXXX ) and has called my cell phone in 3 hours ( XXXX, XXXX, XXXX ). 

Every time I am late making my loan payment they harass me by calling my work and cell phone number repeatedly. Then when I do speak to them, they are very hateful. 

What are my options?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: DC

Complaint narrative:
On XX/XX/XXXX I executed a sale of bitcoin on coinbase.com worth {$6800.00}. The funds were supposed arrive in my USD wallet that same day ; the transaction message I received stated the following : " Your USD will arrive by the end of day on Friday XX/XX/XXXX ''. This message is still being displayed in the transaction records as per XX/XX/XXXX, and to date I have not received payment. The transaction status shows " pending '', while the sale of the bitcoin shows the status as " completed ''. 

I contacted customer support after noticing the Funds were not available the following day, and the company responded with an e-mail instructing me to look up potential causes for delays on their website. There was no information regarding delays for sales of bitcoin and funds not showing up in the USD wallet. As per the company 's site, USD wallet transaction are supposed to be immediate. I responded to company 's email several times asking for further assistance, but never received a response. My case has not been updated since XX/XX/XXXX. The company 's costumer support phone number does not handle transaction issues, which means I am out of options at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mnet Financial Inc
State: TX

Complaint narrative:
Over the past year - I have asked for a detail/itemized statement - which they have yet to produce.

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 2017-12-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Have bee trying to get refinancing to an affordable note with Wells Fargo since before my husband died in XX/XX/XXXX. I have jumped through all kind of hoops for Wells Fargo including starting a probate process that they said was required and that when I received testamentary letters, I would be able to refinance and assume the mortgage. Well, I did that ( which cost me all my savings ) and that was not enough. I then sought bankruptcy protection in XX/XX/XXXX, through this process I was able to stop having sale dates ( at least 8 sales dates and 9 separate applications between XX/XX/XXXX and XX/XX/XXXX ). While in bankruptcy ( still in bankruptcy until Wells Fargo finalizes the  refinance, net date is XX/XX/XXXX ) I was able to received another application and this time received a trial payment ( that was almost 50 % of my VA dependent compensation as opposed to 30 % ) but I have paid it and paid it on time since XX/XX/XXXX. Wells Fargo has now been requiring me to go back to the probate court and they want an order that the matter is closed but I do n't have money for a lawyer and I ca n't act pro se in the probate court although there has been no activity their since XX/XX/XXXX. 
For the last four months they have been sending me this form asking for missing documents, it list two categories with directions to produce a choice of documents listed. I have complied, choosing my husband 's death certificate as the choice for the first category and our marriage certificate for the choice in the second category. Those selections which I have repeatedly complied with obviously are not being accepted although indicated as choices on their form. They have never specifically told me a specific form to provide in their written communications or phone conversations other than suggesting that the probate should be closed and I need a lawyer for more specific explanation. There are no liens or other interest or claims for our home and in fact the only document that has been filed in our property records is the heir ship affidavit that they originally said was not sufficient and I had to get testamentary letters from probate-which turned out only to cost me all my savings. There is nothing valuable here other than my home so there is no lawyer that will touch it as there are no assets from which they can be paid. 
My issue at this point is that Wells Fargo 's representative is making an arbitrary decision for not proceeding ( my home is probably more valuable to them if they sold it ) because the form they keep sending me which I have produced appropriate documents as indicated on that form but they wo n't tell me why they are not proceeding although per their form I 've complied.

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 2017-12-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
For about the last 90 calendar days ever since that " Equifax Data Breech '' happened I have trying to get " Equifax '' to REMOVE an out-of-state address multiple times that I have NEVER lived at with NEGATIVE results. 
Around the middle of XX/XX/2017 I ordered my " Equifax '' credit report have the " Equifax Data Breech '' made the headline news on XXXX XXXX, etc. 
Under the " Previous Address ( es ) '' box it WRONGFULLY list that I used to live at : " XXXX XXXX XXXX, XXXX. ; XXXX XXXX ; XXXX XXXX, Minnesota ; XXXX. '' I have NEVER even traveled to Minnesota let alone LIVED there. 
I work for the XXXX XXXX XXXX for the last 30 consecutive years. 
You have to live in the XXXX XXXX XXXX in order to be able to work for the XXXX XXXX XXXX with a valid XXXX XXXX XXXX driver 's license as I have. 
Yesterday I received ANOTHER copy of my " Equifax '' credit report with that WRONG " XXXX XXXX, Minnesota '' address STILL listed it!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been going back and forth with this Credit Agency in regards to this Bankruptcy that is being reported on my credit as " Verified As Accurate '' On XXXX XXXX I personally contacted the bankruptcy court myself and spoke with XXXX who is the Bankruptcy Court Clerk at XXXX XXXX est. She made it 100 % clear to me that they do not report anything to the credit Bureau and nothing is on file with them Confirming anything with the credit reporting Agencies. XXXX then stated that they do not report anything to XXXX, Transunion nor XXXX! Please Take it Upon yourself and contact them at XXXX. The number that XXXX provided to me to contact the Bankruptcy court was also incorrect. I am tired of being lied to stating that the information was verified as accurate when it IS NOT. I want this Removed IIMMEDIATELY because you are not verifying this information with the DIRECT CREDITOR!

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 2017-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
About 3.5-4 years ago I contacted Navient to inquire ways of avoiding delinquency as I was going through a series of personal events - my father XXXX, was going through a divorce, had a XXXX XXXX  and the real estate market bubble ( I was a XXXX ) had burst. I was told on different occasions there was not much to be done as those were n't strong enough reasons and or pushed to terms that I was n't able to afford. 

My credit suffered tremendously due to the delinquency. I have tried numerous times to come to terms with Navient and have asked them for help, but have received none. 

It came to light that I was n't the only one and that a lawsuit is pending because of the same practices I experienced. I am hoping this time I am able to get some relief and have the multiple 90 and 120 days late deleted - at least the most recent ones. Last late payment was 44 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LendUp Loans LLC
State: CA

Complaint narrative:
I believe someone tried getting a loan under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I purchased XXXX LTC from Coinbase (worth $XXXX USD at that time). My savings account did not fulfill the purchase, even though I explicitly authorized it, but the LTC was delivered to my wallet by Coinbase.Since XX/XX/XXXX, Coinbase has notified me of an "Issue with Recent Buys" that requires me to reimburse them for the $XXXX USD that never cleared. I am willing to do this, and repeatedly have tried, but either nothing happens (when I attempt to pay via bank account or credit card) or receive an error message that reads "There was an error processing the payment, please choose another method"  (when I attempt to reimburse the $XXXX via LTC).This means that, since XX/XX/XXXX, my money and digital currency has been locked in the account. I cannot trade, withdraw, deposit or otherwise transact with the platform. I have called customer support 5 times and spent over 6 hours on hold, as well as submitted an email ticket, each to no avail. I need this resolved *immediately* due to the volatility of cryptocurrencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
To whom it may concern,I am currently in the process of buying my first home through Fifth Third Mortgage Company in Michigan. My purchase agreement was completed and was sent to the processor on XX/XX/XXXX. We all agreed that closing would take place the last week of XXXX on the purchase agreement and through email due to me going out of the country starting on XX/XX/XXXX. During this process the processer requested for an insurance quote. He also sent me over documents to sign that had the wrong purchase price and wrong purchaser name. I sent emails stating this needed to be fixed on the XXXX. After no response after three days, I called stating the mix up where I was told to sign the documents to meet closing time, even though they were incorrect. I called my lender and told him the issue I had with the processor instructions in which he told me to mark off the incorrect areas and write the correct purchase price and my correct name on the document with initials next to those areas. I then received a call on XX/XX/XXXX from the lender stating that I need Home insurance to close. I proceeded to tell my lender that I sent two different insurance quote stating which one was cheaper to the processor a week ago. My lender told me that I actually need to buy Home insurance that day and that the processor is on vacation until next year and we might be able to close XX/XX/XXXX.I received a call today stating that the title transfer might take longer and that they never received verification from my employer. I sent an email stating why was I not informed because I could have got my company to sign off on this before the holiday break. I now have to call my boss during the holiday break to get him to sign off. They have also now informed me that I will need to get a power of attorney for someone else to sign off on MY FIRST HOME since I will be out of the country.

Company response to consumer: Closed with explanation