vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-15 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I called transunion regarding a bankruptcy on my report and i was speaking to an overseas rep, XXXX , XXXX, regarding this issue. i explained to her that if info on my report cant be verified it needs to be deleted. i stated a bankruptcy is public record and ca n't legally be verified. i stated the NJ courts stated they do not report or verify information and the information is public record on public access to court electronic records ( XXXX ) and i contacted XXXX by email and they responded XXXX  does not verify federal case information and all information gathered from XXXX is public record and may be reproduced without permission, XXXX customers assume all responsibility and consequences. XXXX XXXX then stated the information was given by the court. i asked her is she telling the NJ court released my information and she stated yes. i asked to speak to a supervisor and was disconnected. i called back and spoke to an overseas rep, XXXX. XXXX, i explained the same above information and he stated that there are vendors that receive this information and go and verify the information and i asked how do they verify the information. he could n't answer. he stated the fcra states the bankruptcy will remain on my report for 10 yrs. i asked can he tell where that is located, im on that site. he said i do n't know where it is located, i should look it up. connected to a US rep that put me on hold and came back on the phone, phone was messing up. she was talking about me to another rep and when she realized she put me on hold than disconnected. 4th was a US rep that explained the process of verification consisted of someone coming to NJ to look at the public records. i explained the records are with XXXX and you pay for access. i asked her to send me the records transunion used to put the bankruptcy on my report and she couldnt. no legal verification the information comes off my report. i need the bankruptcy removed immediately. i asked if these calls were being recorded. the first 2 and the last stated yes.

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 2017-12-15 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: IL

Complaint narrative:
I was involved in your inquiry issue and they were placed on my credit. I called customer service and they would not take care of the issue. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Marlette Funding, LLC
State: CA

Complaint narrative:
Requesting help regarding my XXXX XXXX loan. Since the very beginning I been making my payments on time But lately due a serious hardship and XXXX in the family I requested their help and see if they can do something about the interest fees, rates and other charges and even forbearance programs to help out with the monthly payments of {$260.00} XXXX XXXX will like me to default so they can add all the fees and charges and make my debt go from {$6000.00} to {$10000.00}. I called BXXXX XXXX looking for help me another forbearance plan or deferment programs available but no help so far! instead I got transferred from department to department where nobody is willing to listen. The lack of professionalism is big and only inspire distrust to customers. This loan highly negatively impacted my lifestyle and got me in debt now i owed more than i borrow. 

Id like to exercise my rights as a consumer and not be consume by predatory interest rates and other fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HW Holding, Inc
State: IN

Complaint narrative:
Upon checking my credit report across all three CRAs post-chapter XXXX bankruptcy filing, this company continues to report this account as open and derogatory. They were listed and included on the creditor matrix at the time of filing which was XXXX XXXX, XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
Company : Coinbase XXXX : XXXX On XXXX XXXX, XXXX at XXXX XXXX XXXX I sold XXXX units of XXXX on the coinbase exchange for {$480.00} after fees. Transaction code # XXXX shows completed on their website yet the funds were not received. Payment method chosen was XXXX internal USD Wallet. Coinbase states that funds from sales will be available within minutes of a sale. As of this filing the proceeds from the sale have not been received. 

I filed a case with Coinbase Support, Case # XXXX, at XXXX XXXX XXXX on the same evening. I have yet to receive a response or acknowledgement of the issue from their customer support as of the filing of this complaint. 

Just to be clear, this is money never received from the sale of the coin within the coinbase system. There were no funds ever sent to any external addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XXXX XXXX, Portfolio Recovery placed a collection notice on my credit reports. This was their first and only action against me. They did not make any attempt to collect this debt from me or gave me the opportunity to dispute it. The facts are as follows : I made an arrangement with XXXX XXXX to repay the credit card debt. I paid it down to {$1600.00} according to the plan. Then I was unemployed with no income for the entire summer. I wrote XXXX XXXX to tell them to stop taking the payment out of my account as it kept being returned for NSF. They complied with my request. 

In XXXX, I applied to XXXX XXXX for a credit increase to fix my house for sale and it was denied based on a " seriously delinquent '' account. When I checked, I saw Portfolio Recovery had place a collection notice for {$1900.00} on all of the credit bureaus. I wrote them a Cease and Desist letter requesting that they remove it but they ignored me. Also, I disputed it but it was not removed. This company never contacted me at any time prior to placing it in collections which violates my rights as as consumer. Also, the amount is incorrect and XXXX XXXX has it listed as a charged-off debt with the credit bureaus. Therefore, Portfolio can not have the same debt listed again with the credit bureaus. This makes it a duplication and lowers the credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Midwest Recovery Systems
State: IN

Complaint narrative:
Upon checking my credit report across all three CRAs post-chapter XXXX bankruptcy filing, this company continues to report an account from XXXX as open and derogatory. They were listed and included on the creditor XXXX at the time of filing which was XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ASTA FUNDING INC.
State: NY

Complaint narrative:
Greetings is purchasing an coop found out though XXXX XXXX about this debt collection agency filed a civil suit against me in year XXXX for a debt that was from XXXX XXXX. I do not recall owning a credit card from that Bank I am accuse of owning. Contact the bank with my real estate agent and they could not find anything for over a period of transfere and holds. Then after a good hour they said I had a checking account their which I had with my son but no credit card from what Im being accused of owning money on however received information they sold this account to a credit collecting agency. I called agency gave my name they said they could not find so gave social security number than they ask for my address in which I gave. I ask them how much money was I suppose to own and they said XXXX after a brief hold on the phone I told them I do not recall owning any credit card company that amount of money. Now today the XXXX of XXXX they send me a notice threatening to garnish my salary from work and having a notice issue after I said I do not own them money Now claiming XXXX dollars. Sir/Ms. I have been working on my credit report for some time and ask the credit bureau at the time and it was not on my credit report after searching for it. I pray for a quick resolution to this underhanded treatment. I am moving and this credit collecting agency has file falsely against me I truly believe I Do not own anything to this agency that file against me after they collected my personal information from me over the phone knowledge about me wanting to purchase my new home in a short time span. They are the only agency that is trying to collect money from me falsely. I pray that you review what I have written and give quick judgement for I am truly innocent on this if you can look at my credit report I have resolved with other creditors with debts I know I owe. This agency knew I would dispute because I told them I would so they went and refile again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: IL

Complaint narrative:
I spoken to discover many times and I ask then to help me out since I 'm still experiencing a hardship financially on my minimum payments. 
I ca n't afford the minimum payment is to high. I ca n't not pay XXXX and up its to much 5 months ago discover enrolled me in a plan which help reduce the interest rate lowered as low as 9 % or 7 % or lower. I was told that if after the 5 or 6 months they gave me if I was still struggling and if my emergency and financial situation was the same that I could contact discover back to enroll for another 6 month or 1 year depending on the offer they can get me. I am very upset because discover denied me the help I need. I need help now. My intention and priority is to pay all My statement balance in a period of time little by little but having just the minimum payment been high it is difficult for me and ca n't afford that payment and interest at this time. I wish my payments was as low as 30.00 to 40.00 each month like the 5 month or 6 I was only paying XXXX It was very helpful. 

I was also promise no late fees and u was also promise no interest charges for the 6 or 5 months but I did got interest charges fees and I told discover why if they promise to wave those 6 month or 5 of no interest charges on purchases but they still did. My account did n't changed much because they lied on not charging .e the purchase interest charges that is why it did n't lowered .Y balance as I have a XXXX payment rhe interest purchase charge was 35 to 45.00 so not a big change. This is approximately. 
I feel rejected and I feel left behind moments like this is wen I need help the most.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LHM Financial
State: AZ

Complaint narrative:
Three days prior to the close of escrow ( XX/XX/XXXX ) it was disclosed to the buyer 's agent that the lender was denying funds for a loan that was for the purchase of a home. There was a XXXX provided to both parties on XX/XX/XXXX with no indication of trouble with the buyer qualifying for said loan. The buyer was prequalified, escrow was pending, and suddenly the buyer 's loan is denied with just three business days left prior to the close of escrow. These are examples of extremely poor business practices by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: KY

Complaint narrative:
On XXXX XXXX I wire transferred a total of {$7200.00} to XXXX XXXX XXXX for the purpose of crypto currency investments. The website stated Please note that the name on your bank account must match the legal name on your XXXX account for the wire to be accepted. I did not know this initially and I deposited the money using 2 different bank accounts that belonged to my husband and sister in law as we are all interested in investing. The wire transfer is suppose to appear in my account within 1-2 days and after I did research on why it hadnt arrived, I came to the conclusion it must be because of the different names on my Coinbase account and husbands/sister in laws bank accounts. However the wire transfers showed completed on both bank accounts with no funds in my XXXX account. I am worried the money is just lost now and Im out {$7200.00}. I debited {$250.00} from my husbands checking account and wire transferred {$5000.00} as well. Then using my sister in laws account, I wire transferred {$2000.00}. I have tried contacting XXXX  directly through their customer support number and no one answered after waiting in line for about 3 hours. I have also emailed them with no response. How should I proceed about this? What is the next step I should take?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Resource Systems, Inc
State: CO

Complaint narrative:
In response to complaint XXXX. United Resource system claims that they sent out notification of an account they purchased however, they do not have proof of delivery and i never received anything allowing my right to legally dispute the account that was previously already in dispute with the original creditor. Company also claims they sent out documentation after i disputed account on my credit report in XXXX however again i received no communication or documentation nor do they have proof of delivery. My complaint needs to stand as its practices are not honest or legal. I will continue to file complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
Sent a wire on XXXX XXXX, 2017 to Coinbase for {$20000.00} to deposit into my account with them. The name on the check did not match with the name on the account at Coinbase so they sent an email saying that they were wiring the money back to the bank. I have the email, the wire transaction when it was sent and I have been emailing them every day and trying to call. No one answers the phone and I get a generic email back saying that they are overloaded and will contact me. It has been almost a month and still no response and no money sent back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am entitled to an annual credit report from each of three credit bureaus via XXXX but was repeatedly denied all three of them by the XXXX XXXX XXXX XXXX XXXX purportedly due to inexplicable technical and/or other undisclosed reasons. I use XXXX XXXX XXXX and XXXX 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 2017-12-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
I refinanced my mortgage with XXXX XXXX XXXX. XXXX 2016.. I was provided an estimate of monthly pay of {$1200.00} at the final closing I was provided that my new monthly payment would be {$1000.00}, for a year I have paid {$1000.00} and paid it on time. XXXX XXXX I received an escrow analysis stating that I had a shortage of {$3200.00}. Also stating that if I do not pay it by XXXX XXXX my monthly payment would go up to {$1500.00}. The actual payment should have been provided to me at closing of {$1300.00} It was discovered that the mortgage company quoted me incorrect figures and neglected to include my taxes of which I was not aware. I agreed to refinance based on fraudulent in accurate information. If the correct figures had been presented it would have shown that I would have only be saving {$28.00} a month versus what appeared t be around {$300.00} a month savings. it would not have been in my best interest to do so at that time. I have contacted the mortgage co by phone, and also had my attorney contact them by letter. The company has not responded as of this date and the action they have taken is to put my XXXX XXXX payment into unapplied funds account. The company is insisting that I pay for the error that they made ( The shortage ), and threatening to apply late fees to my account and report it as delinquent to to credit bureaus where permitted under law.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-15 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: FL

Complaint narrative:
I was a victim of Identity Theft a few times over the past two years and have submitted police reports, identity theft reports and have spoken with each credit bureau. I even have an extended fraud alert on each bureau. I just pulled a copy of my credit report and it states I have a medical collection opened in XXXX 2017. This is NOT FACTUAL and needs to be removed as it is apparent identity theft. The credit bureau has not removed this account even after my dispute to them. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was a victim of Identity Theft a few times over the past two years and have submitted police reports, identity theft reports and have spoken with each credit bureau. I even have an extended fraud alert on each bureau. I just pulled a copy of my credit report and it states I have a medical collection opened in XXXX 2017. This is NOT FACTUAL and needs to be removed as it is apparent identity theft. The credit bureau has not removed this account even after my dispute to them. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Carrington Mortgage has been giving me the big runaround about a loan modification, meanwhile they are tacking excessive fees running up the amount they say they are owed. I demand that they produce a promissory note or some other proof that they are the bank that even owns the property. I should not have to hire an attorney to force them to produce proof that they are they have a legitimate copy of the note, especially if they are going to try to claim that they are owed way above what the monthly payment should be.

Company response to consumer: Closed with explanation