vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a dispute with Experian regarding an old XXXX acct that reported late back in XX/XX/XXXX.. In XX/XX/XXXX and told them that a XXXX supervisor stated that this acct would be deleted after 3 years from date of late as agreed, this acct has already been removed from both equifax and transunion however Experian still has this acct on my credit report.please delete XXXX  acct as agreed since its been well past 30 days..

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 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On my XXXX credit bureau report, there is a " hard '' inquiry listed by SEARS/CNBA that is outdated. 

I have contacted both XXXX  and Sears/CNBA in writing to have this old inquiry deleted from my credit report, to no avail. 

The FCRA ( Fair Credit Reporting Act ), passed by Congress, dictates that any inquiries on a consumer 's credit report that are outdated, must be deleted from his/her credit report.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 2018-04-11 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: MS

Complaint narrative:
I just looked at my credit report and was shocked to see the numerous amounts of errors Experian have listed. I am filing a complaint to have remove them immediately. Experian Report Number : XXXX, claimed information that is incorrect and error on my credit report as accurate and verified. XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. I received a letter from XXXX XXXX/XXXX   only that was not validated or verified proof of the late payments that are reporting on my credit reports. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to, promptly delete all information which can not be " verified '' I " validated '' that I have disputed. I have not received any verification or validation of late payments reporting from XXXX XXXX XXXX and XXXX XXXX in which was originally reporting 30 days late and was updated on my credit report to " ND. '' IDENTITY THEFT REPORT ATTACHED.

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 2018-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MD

Complaint narrative:
XXXX fraudulently claimed that it returned an overpayment of approximately {$800.00} to XXXX XXXX. XXXX claims that no such payment was received. XXXX refuses to provide evidence to support its claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am being forced to file this Complaint because Select Portfolio Servicing , Inc., hereinafter referred to as SPS, refuses to abide by the Fair Debt Collection Practices Act, hereinafter referred to as the FDCPA and the California XXXX Fair Debt Collection Practices Act, hereinafter referred to as RFDCPA. I took out a loan with XXXX XXXX XXXX on XX/XX/XXXX. Due a financial hardship in XX/XX/XXXX, I fell behind in my scheduled monthly payments. The last time I made a payment on this consumer debt obligation was XX/XX/XXXX. The debt obligation is currently contractually due for the XX/XX/XXXX payment. In XX/XX/XXXX, it is purported that XXXX XXXX As Trustee of the XXXX Trust was assigned the beneficial interest under my Deed of Trust and not the Promissory Note. At the time of this purported transfer, the debt was contractually due for the XX/XX/XXXX payment. SPS purportedly acquired the mortgage servicing of this debt obligation effective XX/XX/XXXX. Pursuant to the FDCPA and the RFDCPA, SPS and XXXX XXXX as Trustee are " debt collectors '' and not " creditors ''. They are threatening and attempting to proceed with a nonjudicial action to dispossess me from my home without the legal right or authority to do so. Despite numerous attempts, they have failed to validate the debt and have failed to provide me with any documentation to demonstrate they have the legal ability to attempt to collect the debt, collect the debt, or enforce the power of sale contained in the deed of trust. Although I have taken legal action against them, they have not stopped their collection and enforcement activities. I am filing this Complaint to make the CFPB aware of their wrongful and illegal actions. The California Supreme Court has confirmed that a borrower is not entitled to pay an entity that is without the legal right and authority to collect and is enforce. In California only a creditor, or an agent of the creditor, may attempt to collect a debt or collect a debt and/or initiate and complete a foreclosure action. Falsely representing that the foreclosure documents are legal process is prohibited and misleading and is in violation of California Civil Code 1788.16. SPS and XXXX XXXX are engaging in acts that are causing substantial harm not only to me but to California consumers and taxpayers. Immediate action must be taken to stop them from engaging in unfair competition. Their conduct is unlawful, unfair and deceptive. They are blatantly disregarding federal and state laws they are mandated to abide by.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Product : Mortgage We write and enforce rules that keep banks and other financial companies operating fairly. 

I guess that statement is totally bogus.

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 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
this account belong to someone else please removed it from my credit report. 

XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1200.00} Balance Updated - Credit Limit - Past Due Amount {$1200.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor XXXX Company Sold-to - Original Amount {$1200.00} Comments - Payment History

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 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
this account belong to someone else please removed it from my credit report. 

XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1200.00} Balance Updated - Credit Limit - Past Due Amount {$1200.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor XXXX Company Sold-to - Original Amount {$1200.00} Comments - Payment History

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 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
this account belong to someone else please removed it from my credit report. 

XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1200.00} Balance Updated - Credit Limit - Past Due Amount {$1200.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor XXXX Company Sold-to - Original Amount {$1200.00} Comments - Payment History

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have been a customer of Barclays XXXX rewards ( account ending in XXXX ) since XX/XX/XXXX. 

My account was randomly closed, & without explanation when calling to report my card lost on XX/XX/XXXX. I was not aware that it was closed. 

The CSR advised that the card was closed by a back office representative earlier in the day, approximately around XXXX. I was in shock. 

This acccount was closed one day after a payment, and 3 days before a new statement was to generate. 

This type of behavior by a credits issuer is damaging as it could trigger knee jerk reactions by my other card issuers, some which span more than a decade ( ie - XXXX, XXXX, XXXX XXXX, & multiple store branded card issuers as well ). 

I contacted Barclays and have yet to receive a response, this knee jerk type of activity is very damaging to a credit report, specifically the Debt to Income Ratio & AAOA ( Average Age of Accounts ). My revolving balances are steadily decreasing across the board and it shows as my FICO XXXX has steadily increased over the last 4 months ( XXXX to XXXX to XXXX to XXXX - my score was XXXX when originally approved for the card ). 

This random activity without explanation damages this.

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 2018-04-11 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have call XXXX and told Them That XXXX  XXXX XXXX XXXX shouldn't be showing on my inquiry on XX/XX/XXXX because I haven't apply for no service with XXXX  XXXX an they told me that they can't remove. An I don't have no cell phone service with XXXX I have XXXX XXXX XXXX service This is what is listed on my inquiry : XXXX XXXX XXXX XXXX -XXXX XXXX EQUIFAX inquiries listed incorrectly doesn't belongs to me XXXX   XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX incorrect inquiries don't belongs to me XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My wife and I signed a 2nd mortgage loan with CitiMorgage on XX/XX/XXXX for {$130000.00}. The loan was sold to XXXX XXXX as a first mortgage. 
Due to the US economical crisis I lost my employment in XX/XX/XXXX, stopped making payments and filed for bankruptcy in XX/XX/XXXX. The total amount of the 2nd mortgage debt was {$130000.00}, including late fees. 
In accordance with the bankruptcy documents there was only {$27000.00} available as a colateral for CitiMorgage. 
CitiMortgage charged off this debt on XX/XX/XXXX because the colateral was not enough for a 2nd mortgage foreclosure. The loan balance after that was XXXX and the loan was deleted. 
XXXX XXXX does not have any register of this loan. In accordance with the XXXX XXXX web site for loan look up, this loan does not exist. So I think it was discharged. 
My credit reports do not not mention any debt with CitiMorgage or XXXX XXXX. 

CitiMortgage has sent me a letter recently saying that my loan is in default and I have to pay {$49000.00} to stop a home foreclosure. 

I have called CitiMortgage to find out why they are collecting a loan that was discharged, but they do not give me any information. They say the loan investor was XXXX XXXX and I say XXXX XXXX   discharged that debt, so you are not able to collect a discharged debt. 

Please let me know if a home foreclosure is legal considering a no existing XXXX XXXX loan. 

I would appreciate if you could help me to solve this matter.

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 2018-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
I purchased XXXX LTC/BTC coins on Coinbase then approx. a week later they disappeared from my wallet.I called coinbase, they sent an email asking for screenshots.I sent them right away then heard nothing.A couple of weeks later I emailed them again.They asked for the same screenshots which were sent within minutes.I waited a couple of weeks and received no response.I emailed coinbase again and called each time they ask for the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA

Complaint narrative:
XX/XX/XXXX I received a text from Moneygram indicating that I had been sent money ( from a friend, I was expecting this notification ). XX/XX/XXXX and XX/XX/XXXX I  went to three different locations listed on the website in the XXXX   virginia area -- none of which were working ( all CVS ). Because my mother is ill I came to Ohio. XX/XX/XXXX I went to the Moneygram website and found the listed locations in Ohio. I first tried XXXX -- they said they were planning to be a money gram site but had not yet gotten activated. XX/XX/XXXX I then went to local CVS. Their money gram was up and running., Despite the fact that I had the senders name, my name, the amount, and the 8 digit confirmation number, my request was denied because ( 1 ) I didn't know the middle name of the sender and ( 2 ) "  the money was sent to Virginia , not Ohio '' The person that I talked to could not help me further. The instructions in the text I received were to bring my driver 's license and the confirmation number. I've asked the sender to cancel the transfer but I don't know if he will be able to do that. 
Moneygram should not post on the website locations that are not actually operational. Further Moneygram should not advertise itself as a national/international transfer organization since it can't handle interstate transfers appropriately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
Round Point Morgage company services my loan. I have been affected by Hurricane Harvey by means of flood water. This is my second flood in two years, so i kind of knew what to expect with Roundpoint. When dealing with an insurance claim you must deal with their loss mitigation department. This department handles all insurance claims for the company. To actually speak to one of those agents is almost impossible. I have called more than 30 times and waited on the phone on average of 1 hr before actually speaking to one of these agents. While waiting agents will come on the phone and tell you they in fact work for the department, only to find out after 30 mins not being in that department and cant really help you. They do not have a clear set of rules when dealing with contractor payments and documents needed.They also offered me a plan to " help '' to only pay xxx amount for 3 months then role the balance at the end after a trail payment period of three months. I have since made in full my mortgage payment for a consecutive 5 months only to learn this does not match the trial period guidelines and there may be a problem. This company is very shading and trusting them to do the right thing isn't advised.

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 2018-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hi, Chase closed all my credit card accounts citing too many new accounts : 1 ) I closed several accounts so the absolute number went down compared to 6 month ago 2 ) Chase just approved 2 credit card accounts and now they complain I have to many accounts ( they caused this problem )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
We want the CFPB to have Ocwen show how they could service a loan for a company that was out of business before we got the loan? 

We would also like the CFPB about Ocwen 's breach of contract. Ocwen started servicing our loan, XX/XX/2013. They applied the first payment on time but charged us a late fee. 

Also, we would like the CFPB why they breach our contract from XX/XX/2013 - XX/XX/2013 without paying our homeowner 's insurance? When we requested a rescission all of the TIL disclosures were incorrect and Ocwen had been in breach of our contract for failure to pay XXXX for 6 months. This violates RESPA and Georgia Residential Mortgage Act.

False disclosures are the same as non-disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
After speaking with the company and submitting a prior complaint, I researched and called the Secretary of the State and this company isnt bonded in the state of Texas to collect any debt. I have obtained a certificate from the state that has this information enclosed and will attach the document to this complaint. I would like for this item to be deleted from my credit report with all 3 bureaus immediately in fairness of my rights with the state laws along with the laws and regulations of the FCRA. This company has caused financial hardships and making it difficult for credit worthisness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NY

Complaint narrative:
The collection agency for XXXX is XXXX XXXX XXXX. XXXX does business by sending catalogs to peoples home that is linked to people Old account I had call them to tell them stop sending catalogs I am not I tersted. Recently they send me a bill I call them to tell them I did not make any purchases they keep insisting that I did. I use to buy their products 35 years ago and I paid back all the money I owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: REGIONS FINANCIAL CORPORATION
State: KS

Complaint narrative:
We received the bill for our 16 company fleet fuel cards ( XXXX XXXX XXXX ). 
We have had this account for more than 10 years. 

One of the cards showed 4 purchases for gas in XXXX. The 4 purchases were all made within a 70 minute period at 3 locations on XX/XX/XXXX. Total of the fraudulent charges was {$1100.00}. A 5th purchase was attempted, but the credit card company declined the charge. 

The card was in our possession in Kansas at the time of the charges ( it was not lost or stolen ). 

Furthermore, the cards all require a passcode to authorize charges. The passcode was not used for these fraudulent transactions. 

We notified the credit card company via phone and in writing on XX/XX/XXXX. Their fraud department stated that we are liable for all charges on lost and stolen cards because our company has more than 10 credit cards for the fleet. The card agreement states that we are liable for " unauthorized use '' if the card is lost or stolen. The card was not lost or stolen, and the credit card company didn't do their required authorization check of asking for a passcode.

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 monetary relief