vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I am a cosigner on a loan with my son at USAA. The loan was for a {$67000.00} signature loan taken out in XX/XX/XXXX. At all times during this loan, payments were always made on time. 

On XX/XX/XXXX, my son ( one of the applicants on the loan ) filed for bankruptcy. However, my ex wife and myself did not ( co-applicants on the account ). So according to the loan agreement, I am still responsible for the payment of this loan. I did not file for bankruptcy. After the bankruptcy was filed, USAA charged the account off and reported the account as a charge off to my credit report. This action dropped my credit score over 150 points. At the time this loan was charged off, the account was current. It is also noteworthy to mention that USAA took a payment on XX/XX/XXXX and subsequently returned it to my son. USAA never notified me that one of the applicants filed for bankruptcy and they never gave me an opportunity to make payments on the loan. 

USAA is damaging my credit report by reporting this account as charged off. They charged the account off while it was current. Furthermore, a bankruptcy filing by one of the three applicants on the loan should not negatively affect the credit of the other two non-filing applicants, especially when payments have been made on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-01 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: TX

Complaint narrative:
I have attempted to remove attorney general office reports related to my child support. The texas attorney general office continues to report inaccurately past payments being missed without confirming with my former spouse because they do not receive the payments through their office. I am a XXXX XXXX and pay my x directly more than what is ordered even. So my question and complaint is that if my X is not reporting that she is not being paid then why are they reporting to my credit reporting agencies. She then has to fill out an affidavit to report the payments and when they were received because if not they will show a XXXX balance but continue to report the missed payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIRST CALIFORNIA MORTGAGE CO., INC.
State: CA

Complaint narrative:
I applied for a mortgage loan with First Cal mortgage phone # XXXX was approved the escrow went through and we moved in and my first payment was due XX/XX/XXXX, ,I received a letter XX/XX/XXXX ( dated XX/XX/XXXX ) that a new servicer XXXX/XXXX  XXXX will be accepting my payments so I called the provided phone numbers from each company and verified that I have to make the payment to new company with a new loan number, XX/XX/XXXX I made my first payment with a check draft out of my checking account, on XX/XX/XXXX I received a statement from First Cal demanding payment for XX/XX/XXXX and XX/XX/XXXX so I called them to verify and they said it 's probably a clerical mistake I asked them please to correct their statement and this is causing a great deal of XXXX for me and my family the lady on the phone promised it wo n't happen again,, on XX/XX/XXXX late in the afternoon I had a message left on my voice mail from First Cal collection department which I tried to call back but because of Hollidays could not get hold of no one this has turned into a nightmare, I have followed instructions from First Cal whom to make my  payments to and now they are demanding payments again I need some help please.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Collection report date onXX/XX/XXXX 2017 Original creditor : XXXX XXXX XXXX Amount : {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I saw numerous inquiries on my report that were considered hard hits by companies I do not recognize. 


XXXX XXXX, 2016 by XXXX XXXX XXXX, 2106 by XXXX XXXX XXXX XXXX XXXX XXXX, 2016 by XXXX XXXX XXXX XXXX, 2016 by XX/XX/XXXXXXXX XXXX, 2016 by XXXX XXXX for credit cards and airlines

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I am a cosigner on a loan with my son at USAA. The loan was for a {$67000.00} signature loan taken out in XX/XX/XXXX. At all times during this loan, payments were always made on time. 

On XX/XX/XXXX, my son ( one of the applicants on the loan ) filed for bankruptcy. However, my ex husband and myself did not ( co-applicants on the account ). So according to the loan agreement, I am still responsible for the payment of this loan. I did not file for bankruptcy. After the bankruptcy was filed, USAA charged the account off and reported the account as a charge off to my credit report. This action dropped my credit score over 135 points. At the time this loan was charged off, the account was current. It is also noteworthy to mention that USAA took a payment on XX/XX/XXXX and subsequently returned it to my son. USAA never notified me that one of the applicants filed for bankruptcy and they never gave me an opportunity to make payments on the loan. 

USAA is damaging my credit report by reporting this account as charged off. They charged the account off while it was current. Furthermore, a bankruptcy filing by one of the three applicants on the loan should not negatively affect the credit of the other two non-filing applicants, especially when payments have been made on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NE

Complaint narrative:
Dear CFPB, I withdrew XXXX Litecoins from Coinbase as a sell and wire transfer to my bank account on XX/XX/XXXX. I figure that it might take a couple days to process and go to my bank checking account so i waited to check. I then went back on coinbase to check the process on XX/XX/XXXX and found that the wire transfer was processed on XX/XX/XXXX to my bank on XX/XX/XXXX, but no funds were in my checking account. I then went ahead and sent Coinbase an email on XX/XX/XXXX expressing my concern. I heard nothing from them in the next couple days. I decided to give my bank a call to see if they were holding the wire transfer and was told that there was no pending wire transfer into my account. I then decided to send Coinbase another " Follow Up '' email on XX/XX/XXXX since i did not hear any response back from my previous email on XX/XX/XXXX. I was looking for some assurance that my funds were not lost. I did not hear anything from them to this date XX/XX/XXXX. I called my bank again and they said that there are no wire transfers in the amount of {$2100.00} ... I also did a support request on Coinbase including all the information of the withdraw i made about a week ago and still have not heard anything back from Coinbase. I have even sat on the phone with them for 40 mins trying to speak with an actual customer service person over the phone before hanging up because of the wait. Please help me get an answer from them so i can receive my funds from Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a cosigner on a loan with my son at XXXX. The loan was for a {$67000.00} signature loan taken out in XX/XX/XXXX. At all times during this loan, payments were always made on time. 

On XX/XX/XXXX, my son ( one of the applicants on the loan ) filed for bankruptcy. However, my ex husband and myself did not ( co-applicants on the account ). So according to the loan agreement, I am still responsible for the payment of this loan. I did not file for bankruptcy. After the bankruptcy was filed, XXXX charged the account off and reported the account as a charge off to my credit report. This action dropped my credit score over 135 points. At the time this loan was charged off, the account was current. It is also noteworthy to mention that XXXX took a payment on XX/XX/XXXX and subsequently returned it to my son. XXXX never notified me that one of the applicants filed for bankruptcy and they never gave me an opportunity to make payments on the loan. 

XXXX is damaging my credit report by reporting this account as charged off. They charged the account off while it was current. Furthermore, a bankruptcy filing by one of the three applicants on the loan should not negatively affect the credit of the other two non-filing applicants, especially when payments have been made on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01 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: TX

Complaint narrative:
I am a cosigner on a loan with my son at XXXX. The loan was for a {$67000.00} signature loan taken out in XX/XX/XXXX. At all times during this loan, payments were always made on time. 

On XX/XX/XXXX, my son ( one of the applicants on the loan ) filed for bankruptcy. However, my ex husband and myself did not ( co-applicants on the account ). So according to the loan agreement, I am still responsible for the payment of this loan. I did not file for bankruptcy. After the bankruptcy was filed, XXXX charged the account off and reported the account as a charge off to my credit report. This action dropped my credit score over 135 points. At the time this loan was charged off, the account was current. It is also noteworthy to mention that XXXX took a payment on XX/XX/XXXX and subsequently returned it to my son. XXXX never notified me that one of the applicants filed for bankruptcy and they never gave me an opportunity to make payments on the loan. 

XXXX is damaging my credit report by reporting this account as charged off. They charged the account off while it was current. Furthermore, a bankruptcy filing by one of the three applicants on the loan should not negatively affect the credit of the other two non-filing applicants, especially when payments have been made on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-01 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: TX

Complaint narrative:
I am a cosigner on a loan with my son at XXXX. The loan was for a {$67000.00} signature loan taken out in XXXX, XXXX. At all times during this loan, payments were always made on time. 

On XX/XX/XXXX, my son ( one of the applicants on the loan ) filed for bankruptcy. However, my ex husband and myself did not ( co-applicants on the account ). So according to the loan agreement, I am still responsible for the payment of this loan. I did not file for bankruptcy. After the bankruptcy was filed, XXXX charged the account off and reported the account as a charge off to my credit report. This action dropped my credit score over 135 points. At the time this loan was charged off, the account was current. It is also noteworthy to mention that XXXX took a payment on XX/XX/XXXX and subsequently returned it to my son. XXXX never notified me that one of the applicants filed for bankruptcy and they never gave me an opportunity to make payments on the loan. 

XXXX is damaging my credit report by reporting this account as charged off. They charged the account off while it was current. Furthermore, a bankruptcy filing by one of the three applicants on the loan should not negatively affect the credit of the other two non-filing applicants, especially when payments have been made on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have been getting letters from Portfolio Recovery associates in regard to a XXXX account. I sent them a certified letter stating I wanted to validate the debt. All they sent was a statement from XXXX with an amount. I have NOT ordered anything or approved any purchase from XXXX since long before 2010. I do not have any information as to what I am suppose to have ordered, so I have no idea what Principal I am suppose to pay on. I did talk with them several months ago and they said I had an extended warranty on there, but again, I have no XXXX products nor have I ordered any thing from XXXX in well over 7 years. When you purchase a car, you know what your paying on. With XXXX and this collection agency, neither have provided any information as to what I supposedly ordered or I am paying for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
The unvalidated items listed on my credit report in violation of Federal Law [ 15 U.S.C Section 1681 ]. This company is required under the FCRA to have a copy of the original creditor 's documentation of file to validate that this information is mine and is correct. In the results their first investigation, they stated in writing that they " verified '' that these items are being " reported correctly ''. Who verified these accounts with valid proof? 

They have NOT provided me a copy of ANY original documentation ( a Consumer contract with my wet live signature on it ), as required under Federal law. Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " ... .promptly DELETE all information which can not be verified. '' Under the Administrative Enforcement [ 15 U.S.C. Section 1681s ], the law is very clear to remedy the Civil Liability for willful noncompliance [ 15 U.S.C. Section 1681n ], Civil Liability for Negligent Compliance [ 15 U.S.C. Section 1681o ] and Obtaining Information Under False Pretenses [ 15 U.S.C. 1681q ] if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts to be validated or deleted immediately under these false allegations. I have no contracts with these corporations ... .15 U.S.C. Section 1692f. 

This is also a request to remove all non-account holding inquiries over 30 days old as I did not initiate these inquiries. They are required by law, according to [ 15 U.S.C. Section 1681b ] Section 604 ( c ) to remove all inquiries that I did not initiate. What valid proof does the creditors/companies have for the inquiries on my credit report to be, according to them, " a factual record of file access '' when I have no account with them? Non-account holding inquiries and unvalidated inquiries that remain on my credit report that they failed to with maximum accuracy to validate and verify shall be remedied by enforcing my rights under the FCRA. The following inquiries need to be removed from my credit report immediately. 

Thank You, By : 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 2018-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: LICTY, INC.
State: NC

Complaint narrative:
Repeat phone calls and emails to put me in a XXXX XXXX XXXX forgiveness plan. I XXXX XXXX XXXX and have for XXXX years. I talked with XXXX @ XXXX XXXX XXXX and gave info and signed off logically on their service. I sent no money but have gotten no info. They have my banking info but no moneyXXXX XXXX XXXX so there is none.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
In XX/XX/XXXX I signed a lease with the apartment complex XXXX XXXX. I work out of town so I was in and out of the apartment for the months XX/XX/XXXX -XX/XX/XXXX. To pay the rent I would mail a money order thru the United States Postal office. During the month of XXXX I decided to pay my rent in person. When I went in my apartment everything was gone and trashed out. I then went to the apartment manager and showed her what had happen. Before I left i told the whole leasing office that i would not be there. So upon my investigation around the complex, i was alerted that the maintenance men had stolen my things. Because there was n't any forced entrance the police would not write a police report, and the leasing manager was there to witness this. Once we sat down and talked she stated if I paid my XX/XX/XXXX rent i would not be responsible for XX/XX/XXXX and XX/XX/XXXX, which my lease was up then. My deposit was kept and I paid the remanding balance of XXXX . I have pictures of my apartment trashed and of the document signed stating I did not owe anything else. Also since this incident the whole leasing office has been fired due to unprofessional conduct that where done in this company. When i tried to contact the collection agency who has the account I was hung up on and treated very rudely. The whole thing has gotten out of hand they are just very unprofessional and do not stick to their words. They keep on reporting on my credit as if it is a new account which its over 6 years old and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01 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: CAC Financial Corp
State: TX

Complaint narrative:
I never authorized this charge. This company calls me non-stop for a bill I do not owe. I have requested proof that I owe this bill and they refuse to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I bought a car through XXXX XXXX XXXX in XXXX XXXX FL several years ago through credit acceptance. I have paid extra money plus regular payments charged per month. They have charged me extremely high interest and fees making difficult to pay loan off. I have called financing company to lower interest but no such luck. car loan is automatically taken out of bank account. I have never been late paying nor never missed a payment. In addition they have put non accurate information on credit report for amount paid. Since purchasing car XXXX XXXX went out of business. I think it should be illegal to charge so much interest and fees against people with low credit. I am XXXX veteran and feel there is no end in sight of ever paying off credit acceptance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01 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: EQUIFAX, INC.
State: WA

Complaint narrative:
We have XXXX XXXX Account ( {$28000.00} ) account number XXXX, and there is two listings on the Equifax report. 
May we please have the second one ( {$28000.00} ) account number XXXX removed as it is does n't exist or it is a duplicate We only have one account with XXXX from XXXX XXXX XXXX/XXXX. 

XXXX XXXX XXXX XXXX Installment BUREAU DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR XXXX XX/XX/XXXX - {$370.00} {$28000.00} XX/XX/XXXX PAYS AS AGREED - Co-maker BUREAU DAYS PAST DUE HISTORY DATE 24 MONTH HISTORY 30 60 90 Equifax XX/XX/XXXX ____________________________________________________________________ ACCOUNT NAME ACCOUNT NUMBER ACCOUNT TYPE XXXX XXXX XXXX XXXX Installment BUREAU DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR XXXX XX/XX/XXXX - {$370.00} {$28000.00} 09/2017 PAYS AS AGREED - Joint Account COMMENTS FIXED RATE BUREAU DAYS PAST DUE HISTORY DATE 24 MONTH HISTORY 30 60 90 Equifax 09/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Request a RESPA from XXXX XXXX XXXX XXXX However they redirected tequest to servicing company ( WELLS FARGO ). 

Requesting XXXX, TILA & RESPA from first date of origination XX/XX/XXXX. 

XXXX XXXX originators filed bankruptcy, sent to ASC and now Wells Fargo. 

Also, request a amorizatiin from XX/XX/XXXX-present.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01 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: PA

Complaint narrative:
Opened account with XXXX XXXX in 2004. Account was inactive for two years. XXXX XXXX automatically closed account and shows records for it being closed. Equifax shows the account as open and I would like my report to show it was closed.

Company response to consumer: Closed with explanation