vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
In XXXX I took out a mortgage with XXXX XXXX Mortgage XXXX XXXX XXXX for the amount of {$350000.00}. I defaulted on my mortgage payments because I could not keep up with the increasing mortgage payments. On XX/XX/XXXX there was an assignment of mortgage filed with the XXXX XXXX XXXX 's office. The assignment of mortgage assigned the mortgage from XXXX Mortgage XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX started a foreclosure action against me in the amount {$310000.00}, which is about {$400000.00} from the original mortgage 6 years earlier, when I had paid over {>= $1,000,000}. How is that possible? I also never received mortgage statements from XXXX Bank XXXX, instead I have been receiving mortgage statements from XXXX. I would like the opportunity to reach a settlement with the bank without my house being sold at an auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
MY NAME IS XXXX XXXX I BOUGHT A TRUCK FROM A MAN IN XXXX WITH NO LIEN ON TITLE I WENT TO MY DMV IN XXXX  GOT MY PLATES SENT OFF FOR TITLE IN A WEEK LATER THE DMV SENT A LETTER THAT THE TRUCK I BOUGHT HAD A LIEN ON IT FROM WELLS FARGO THE LIEN WAS FROM XX/XX/XXXX IN THE NAME OF ( XXXX XXXX ) XXXX XXXX XXXX VIN # XXXX I HAVE TRIED FOR 7 DAYS TO GET THEM TO RELEASE THE LIEN AS IT HAS BEEN PAID OFF A COUPLE YEARS AGO I FAXED SEVERAL TIME TO 3 DIFFERENT FAX NUMBERS WITH INFO THEY WANTED AND NO RESPONSE FROM THEM I FAXED ORIGINALLY LAST TUESDAY XX/XX/XXXX AGAIN FRIDAY XX/XX/XXXX AND AGAIN TODAY XX/XX/XXXX I FAXED EVERYTHING THEY WANTED-NOW THEY ARE ASKING ME TO FIND THE MAN XXXX XXXX TO GET A BILL OF SALE FROM HIM BUT I DID NOT BUY TRUCK FROM HIM AND I CANT FIND HIM ANYWHERE HE WAS 3 OWNERS BACK HE COULD BE DEAD OR IN ANOTHER COUNTRY -- I KNOW HIS LOAN WAS PAID OFF I JUST NEED A NOTARIZED LIEN RELEASE FROM WELLS FARGO SO I CAN GET MY TITLE FROM XXXX DMV PLEASE HELP ME ITS BEEN VERY FRUSTRATING FOR ME

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 2018-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Where to start.. 
XXXX XXXX XXXX, They told my insurance company during our loan process ( before conditional approval ) they were the lien holder, now I have an insurance check for XXXX with there name ( shellpoint ) I can't cash. Further more they have miss calculations on multiple occasions for DTI ratio and Escrow, and decided to only use my XXXXst quarter profit and loss, not my two year average. Also they have given false information about my XXXX loan multiple times. Management won't contact me back!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I checked my credit report and noticed that XXXX was reporting negatively with a balance past due of {$190.00}. However, this is incorrect. I closed my account in good standing in XX/XX/2018 and the balance was {$0.00}. There should have been no charges after that point. I have never received anything the mail from them about a debt owed. They didnt give me a chance to pay a balance, if there was one owed.

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 2018-06-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There is a laundry list of issues with equifax, first they refuse to allow me access to my own credit report. They ask me to identify information on the reports which they have listed as incorrect, for instance, an address I haven't lived at in 15 years, and an employer i haven't worked for in over 20 years. Secondly I've sent identifying documents to this agency three times, drivers license social security cards, birth certificates, utility bills, and they refuse to allow me to access my credit report. They also are allowing a fraudulent creditor who is under a XXXX XXXX XXXX  advisor alert to add fraudulent and false information on my credit file. They aren't allowing me to dispute the entry, and they refuse to seriously investigate, I've attempted to dispute three times with the little info I have. I was able to successfully retrieve a report through XXXX, but this agency will not talk to me over the phone about my own credit file, they are again wanting me to verify information such as addresses that they have wrong on their file, and they will not remove this fraudulent entry nor seriously investigate if it should be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
I was contacted in XX/XX/XXXX from a company called XXXX XXXX. They claimed to receive information from Navient about my existing student loan and wanted to offer assistance through the XXXX XXXX XXXX XXXX. I had an existing student loan balance with XXXX XXXX from my previous degree, and I specifically asked if I was able to quality through them since I had already paid several years with them. They clearly said no and that they would be able to help me with the Navient accounts. I stated I would look into it and thought I did need to do something about my loans but I had NOT yet submitted any paperwork. Shortly after, my XXXX student loan was consolidated to Navient. The consolidation forms were electronically signed and dated on XX/XX/XXXX ( not by me ). My loans were then immediately placed on forbearance. As time passed, I was unaware of what was happening, I contacted XXXX and they stated I needed to sign and submit certain paperwork to continue with the process, however, I did not submit and sign paperwork until XX/XX/XXXX, yet all was done back in XX/XX/XXXX. Today, XX/XX/XXXX, I contacted Navient to find out what was happening with my loans and why I was being charged {$82.00} a month from XXXX XXXX, they did not know anything and were not able to provide me with answers, I was asked by the Navient representative to contact XXXX XXXX. I contacted XXXX XXXX XXXX after my phone call with Navient, and I learned some more disturbing news. The representative from XXXX I spoke to stated clearly that " they had screwed my account '', I was able to qualify for the public service loan forgiveness through them and they would have taken my previous payments into consideration, something that I was told I could not do. I'm very upset and confused on what is happening with my account. 

I do want to stress that in no way is my complain against XXXX XXXX, they have been the only ones to be able to help me and answer my questions. This complain is against Navient and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: TX

Complaint narrative:
XXXX XXXX have been calling and emailing me threatening to contact my employer if I don't pay the loan. I received an email from XXXX XXXX stating and I quote " This is the final notice about your loan we have tried in many different ways contact you to talk about your past due balance, we demand the payment of the past due balance as soon as possible. 


At this time we must make a decision on whether we need to increase collection efforts by attempting to contact you at your place of employment that you gave us when loan was originated. You can avoid this disturbance by reaching out to us Please contact me at XXXX If you decide ignore this notification your account will be forwarding externally. 

Best Regards, XXXX XXXX I need them to stop all methods of contact immediately because I have contacted the Federal Trade Commission and will take other legal avenues if neccessary. DO not contact my employer at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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:
XX/XX/2017 during Hurricane Harvey we spoke with our mortgage company XXXX/XXXX XXXX and they agreed to let us work on a payment plan due to the devastation of the hurricane. They agreed to report the payments as being on time yet when I received a copy of my credit report the months they agreed to report as current are showing delinquency. I tried to dispute it with the bureaus thinking the problem was they were not communicating with the company but they indicated they did. I was told buy XXXX/XXXX XXXX it shouldn't be reporting late. I don't know what else to do can you  please help me get this resolved?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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:
XX/XX/2017 during Hurricane Harvey we spoke with our mortgage company XXXX/XXXX XXXX and they agreed to let us work on a payment plan due to the devastation of the hurricane. They agreed to report the payments as being on time yet when I received a copy of my credit report the months they agreed to report as current are showing delinquency. I tried to dispute it with the bureaus thinking the problem was they were not communicating with the company but they indicated they did. I was told buy XXXX/XXXX XXXX it shouldn't be reporting late. I don't know what else to do can you please help me get this resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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:
XXXX  of 2017 during Hurricane Harvey we spoke with our mortgage company XXXX/XXXX XXXX and they agreed to let us work on a payment plan due to the devastation of the hurricane. They agreed to report the payments as being on time yet when I received a copy of my credit report the months they agreed to report as current are showing delinquency. I tried to dispute it with the bureaus thinking the problem was they were not communicating with the company but they indicated they did. I was told buy XXXX/XXXX XXXX it shouldn't be reporting late. I don't know what else to do can you please help me get this resolved?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Noticed an account from XXXX that is incorrectly being reported. I contacted the debt collections agency and they stated they do not have an account under my information, as it was returned to the original creditor, XXXX. However this is still reporting incorrectly on my credit report for both Experian 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 2018-06-26 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: TX

Complaint narrative:
I have disputed this conns credit corps account number XXXX many times and Transunion continues to report negative information to my credit report. The account reports inaccurate and incomplete information. I disputed the balance they verified it but Changed the amount how is that possible? Went from XXXX to XXXX. This account number is also a duplicate account with a different balance of XXXX. They refuse to investigate independently from the consumer electronic response with no proof actually being verified. I asked to have all past investigation findings, method of investigation, who verified it and their contact information mail to me as proof of investigation and the refuse to do so. Its been past the 15 days allowed to respond. Pure negligence. The original charge off balance is XXXX and the balance now is XXXX but there is no payment listed after the charge off date of XX/XX/2016. So when and how was XXXX dollars paid on a charged off account and if so why is it not listed as a payment? Proof of no real investigation and negligence. Proof and documents are listed in the attached files. Also there are scheduled payment listed on both duplicate acccount one of XXXX and the other XXXX they are both charged off the balance should be 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 2018-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I initiated a transfer into my Coinbase account. I requested the transfer go to my USD Wallet but instead the funds seem to be held up in my XXXX wallet. The transaction shows as " pending '' with Notes reading " Failed to instantly exchange XXXX ''. What does this mean? I have contacted Coinbase numerous of times. Their response was Our payments team and advocacy team are investigating. Weve marked this email thread as a top-priority case, and well provide info to you as it becomes available. Coinbase seemed to be focusing a lot more on expanding their operations instead of properly serving their existing customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My Issue is with Bank of America Mortgage ( BOA ), I closed on this loan on XX/XX/2018 and I have contacted BOA on several occasions requesting that they notify the credit report agencies to notify to them that my account has been Paid and report account is in a Closed status. I only received mail correspondence from BOA stating account is paid in full effective XX/XX/2018 and that BOA do NOT notify credit report agencies of account status only negative reporting is sent to credit report agencies.

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 2018-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: Select Management Resources, LLC
State: CA

Complaint narrative:
XX/XX/2014 a title loan was taken out in my name, but it wasnt me. They have filed criminal charges against me. I just found out last week. I called XXXX and all the information I. Their system is wrong about me. They wont release my account information to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: FL

Complaint narrative:
I checked my credit report and noticed that XXXX was reporting negatively with a balance past due of {$190.00}. However, this is incorrect. I closed my account in good standing in XX/XX/2018 and the balance was {$0.00}. There should have been no charges after that point. I have never received anything the mail from them about a debt owed. They didnt give me a chance to pay a balance, if there was one owed.

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 2018-06-26 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: FL

Complaint narrative:
I checked my credit report and noticed that XXXX was reporting negatively with a balance past due of {$190.00}. However, this is incorrect. I closed my account in good standing in XX/XX/2018 and the balance was {$0.00}. There should have been no charges after that point. I have never received anything the mail from them about a debt owed. They didnt give me a chance to pay a balance, if there was one owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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:
I checked my credit report and noticed that XXXX was reporting negatively with a balance past due of {$190.00}. However, this is incorrect. I closed my account in good standing in XX/XX/2018 and the balance was {$0.00}. There should have been no charges after that point. I have never received anything the mail from them about a debt owed. They didnt give me a chance to pay a balance, if there was one owed.

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 2018-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
I have made three written requests to cancel PMI, dating back to late 2017. I am entitled to have PMI removed. Nevertheless, LoanCare is continuing to wrongfully charge me PMI every month.

According to LoanCare 's website : " If you have a good payment history, you may request cancellation of your PMI on or after the date the principal balance of your loan : ( 1 ) Is first scheduled to reach 80 % of the original value of the property ( 80 % LTV ). ( 2 ) Actually reaches 80 % of the original value of the property. '' I first qualified for cancellation of PMI ( and requested cancellation of PMI ) based on the above in late 2017. Nevertheless, LoanCare is still charging me {$36.00} each month for PMI. LoanCare ignores my messages.

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 2018-06-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Noticed an account from XXXX that is incorrectly being reported. I contacted the debt collections agency and they stated they do not have an account under my information, as it was returned to the original creditor, XXXX. However this is still reporting incorrectly on my credit report for both XXXX   and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Gatestone & Co. International Inc.
State: FL

Complaint narrative:
On XX/XX/2018 I received a phone call from a company called Gatestone in XXXX. I have never heard of them nor do I owe them any money. I want no further communication from them in any form. They deceptively use phone numbers with an area code that appears to be the same area code as the phone number you are using. Gatestone  is engaging in deceptive debt collection practices in flagrant violation of the Fair Debt Collection Practices Act. They misrepresent who they are and are deceptive. They repeatedly asked for my address when I told them I wasn't going to provide anything to someone who is being deceptive.

Company response to consumer: Closed with non-monetary relief