vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-10 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: GA

Complaint narrative:
On XX/XX/XXXX I mailed a certified letter to the credit bureau disputing errors and unknown accounts that appeared on my credit file. I have waited well over 30 days for my results as informed by The Federal Reporting Act., However i never received any results or validation of these accounts. At the moment the credit bureau is in violation of the law section 601 ( a ).

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 2018-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
Recently, I have applied for the program deed in lieu of foreclosure. HSBC has sent me the forms for the process. Again they are requiring forms that have not been sent to me.I wish they would send me all the necessary forms to complete this process. This is an ongoing problem with them. I need the following forms sent to me : 1. Authorization to disclose information form 2. Permission for entry into the Property form.

Can you please have HSBC send the forms to you and in turn to me.

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In XXXX 2014 my husband and I bought a mini van from XXXX. XXXX in XXXX Ma. We had nothing but problems form the initial inspection it failed. They fixed the issue ( horn ) but we had multiple problems the entire time we had the van. On multiple occasions XXXX the manager of there auto shop never returned my calls about needing things fixed. We had no choice but to give them the van back. We were not comfortable butting our children in it because we never knew when the next issue would arise. XXXX was very understanding when i showed up to give them the van, they even seemed somewhat aware of similar situations. The problem we are having now is it is listed on our credit reports as a repo and having a balance and it is making it difficult for us to move ahead. We really had no other option but to bring them the van back as we did not feel it was safe for our children to be in.

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 2018-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
In XXXX 2014 my husband and I bought a mini van from XXXX XXXX in XXXX Ma. We had nothing but problems form the initial inspection it failed. They fixed the issue ( horn ) but we had multiple problems the entire time we had the van. On multiple occasions XXXX the manager of there auto shop never returned my calls about needing things fixed. We had no choice but to give them the van back. We were not comfortable butting our children in it because we never knew when the next issue would arise. XXXX was very understanding when i showed up to give them the van, they even seemed somewhat aware of similar situations. The problem we are having now is it is listed on our credit reports as a repo and having a balance and it is making it difficult for us to move ahead. We really had no other option but to bring them the van back as we did not feel it was safe for our children to be in.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In XXXX 2014 my husband and I bought a mini van from XXXX. XXXX in XXXX Ma. We had nothing but problems form the initial inspection it failed. They fixed the issue ( horn ) but we had multiple problems the entire time we had the van. On multiple occasions XXXX the manager of there auto shop never returned my calls about needing things fixed. We had no choice but to give them the van back. We were not comfortable butting our children in it because we never knew when the next issue would arise. XXXX was very understanding when i showed up to give them the van, they even seemed somewhat aware of similar situations. The problem we are having now is it is listed on our credit reports as a repo and having a balance and it is making it difficult for us to move ahead. We really had no other option but to bring them the van back as we did not feel it was safe for our children to be in.

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 2018-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
I was contacted on XXXX/XXXX/XXXX By XXXX XXXX XXXX in which they threatened me to take legal action over very old debt from XXXX for a XXXX XXXX phone bill. I never signed or agreed to pay XXXX XXXX anything. I currently have a XXXX XXXX account in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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: Equitable Acceptance Corp
State: IL

Complaint narrative:
the information for EQUITABLE ACCEPTANCE COR is incorrect. There is no balance due and the account has been paid in full. This was an agency helping me with my student loan. The service was canceled and no further payments were due.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
On XX/XX/XXXX Coinbase.com ( US-based digital currency platform company ) credited me with inaccurate ( insufficient ) Bitcoin Cash balance. I opened a case with Coinbase Support on XX/XX/XXXX and has n't received any non-automate response since. Despite the fact that case was clearly non-resolved the case got closed without any message. 

Background : According to Coinbase.com Bitcoin Cash policy all customers who held a Bitcoin balance on Coinbase on XXXX XXXX, XX/XX/XXXX should receive equal balance of Bitcoin Cash. This was communicated on Coinbase Blog ( url # 1 ) and now is stated on Coinbase FAQ ( url # 2 ), links provided below. 

# 1. Coinbase blog post regarding Bitcoin Cash : https : //blog.coinbase.comXXXX # 2. Coinbase FAQ regarding Bitcoin Cash : https : //support.coinbase.comXXXX Here are exact excerpts from Coinbase FAQ : Excerpt 1 : " How can I trust that Coinbase knows the exact amount of Bitcoin Cash that was in my account at the time of the fork? 
At the time of the fork, we duplicated the current balance of all Coinbase customer accounts. Customers can download a copy of their transaction history to see a running log of their balance for each Bitcoin wallet. '' Excerpt 2 : " If my Bitcoin was in my Coinbase Vault at the time of the fork, will I still receive my BCH? 
Yes, you will still receive your Bitcoin Cash funds. All BCH will be credited to a single BCH wallet in your Coinbase account. '' As instructed in excerpt 1, I downloaded my transaction history for both Bitcoin Wallet and Bitcoin Vault. They both confirm that my Bitcoin Cash balance is inacurrate. The missing amount equals to BTC balance held in Vault, but as stated in Coinbase Bitcoin Cash FAQ ( excerpt 2 ) this should not matter where BTC were held. 

I can provide transaction history reports generated via Coinbase reports tool ( as instructed by Coinbase FAQ ) for my account that confirm that my Bitcoin Cash balance does n't reflect my Bitcoin balance held in Wallet and Vault on Coinbase on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: NC

Complaint narrative:
Stoneleigh Recovery Associates/The Bureau did not validate the collection placed on my account and was required by law to remove the collection from my file in XXXX 2017. 60 days later they placed the collection back in my file without providing myself or my legal representative proof of debt validation. To date, they have not provided proof of debt validation and did not notify myself or my legal representative that they would place the collection on my file again ; a collection that has been disputed, removed once and still not verified by their collection agency. I have not been contacted via telephone, email or written correspondence since the collection was first removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Perfection Collection
State: FL

Complaint narrative:
This was for XXXX security alarm company. The contract was over and it continued even after it was supposed to terminate. I called them and sent them written notification of cancellation. Yet, they continued to bill me. I paid them once again and advised them that my contract was over and I no longer wanted the service. They waited for almost 3 years after contract has been done and they have put my account in collections for XXXX dollars I have not had any service there in at least 3 years and moved away from there over a year ago. This is abusive it is fraud.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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: Core Recoveries, LLC
State: NJ

Complaint narrative:
My defaulted student loan has been paid in full as of XXXX/XXXX/XXXX with Department of Education. I attended XXXX XXXX XXXX XXXX located in XXXX XXXX, NJ ( original transcript attached ) and graduated with XXXX in XXXX. While attending this XXXX I took out a XXXX loan. The original servicer was XXXX XXXX who transferred my student loan a few times. I made a few payments and later defaulted on the loan. In XXXX the debt was paid and I received a paid in full letter from the secondary agency XXXX. I have sent supporting documentation such as Federal Income Tax return, proof of payment history provided by XXXX, certified original note reflecting the debt in question is one and the same without avail. The contracted agency Account XXXX XXXX XXXX have harassed and dismissed my statements about my debt is paid in full. They Collection agency is currently garnishing my payment with my employer with is a violation. I have paid this debt and they are getting twice for my loan. I am without any help and need guidance and direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
On or about XX/XX/XXXX, I made the decision to port my three mobile telephone line from XXXX to XXXX wireless. I informed XXXX that day because I had a previous balance that was due. The XXXX representative informed me that the previous balance and the current balance would be adjusted once the old devices were returned to XXXX. I was also instructed that it would take approximately two weeks to get the package and posting documents to send the devices back. On XX/XX/XXXX I received an email stating that my account as going to be turned over to collections for none payment. I contacted XXXX and they told me to disregard the email because the devices were in route back to the company and the adjustments would need to be made to the balance. I was then informed that no later than XX/XX/XXXX I should receive my final bill with all my adjustments. I waited for the updated bill and logged into my account but the balance still read {$770.00}. 

On XX/XX/XXXX I received a phone call from a collection agency named Receivable Performance Management in regards to my XXXX account. The customer service rep I spoke with was very aggressive and when I tried to explain that XXXX has not forwarded me my finalized statement she then began to over talk me and yell a break down of charges on my account. I attempted on three different times to explain to her that credits needed to added to my account and them I would pay XXXX my remaining balance due. She told me that XXXX would not take payment and that they would forward me back to her. I then hung up. 

I contacted XXXX that same day at approximately XXXX and spoke with XXXX . He reviewed my bill and looked over the charges. He even broke down the charges for the remaining balance. He even observed that I was charged for a service that I did not have on my phone. He called the adjustments department and had them remove it which he stated could take up to two days. When I asked about my tablet he informed that services were not suspended when I asked but were done at a later date. He informed me that those charges will need to be added to the final balance but that final bill will not come due to XX/XX/XXXX. He then stated that I should be able to login to my account and see the final bill by XX/XX/XXXX. When I asked him about payment he informed me that XXXX will still accept payment on the account and that the account is still with them. He also stated that once the payment is made they will notify the collection agency, but they still legally own the account. He informed me that no action can take place until the tablet charges are added to the final bill.

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 2018-01-10 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: OH

Complaint narrative:
I am Demanding a re-investigation with XXXX account # XXXX that is listed wrong on my credit profile this account has the wrong balance and has been paid in full. This account is not accurate error please delete. FCRA 611 ( 15 U.S.C. 1681I ) The account is settled in full and need to be removed the information is incorrect on my 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 2018-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
Notified Diversified Consultants on XXXX that negative item was placed on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Requested Diversified Consultants to remove incorrect information off my credit report. More importantly, Diversified Consultants are in violation of FACTA section 623 ( A ) ( 7 ). Never received any mail from Diversified Consultants.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Because of the market crash and my home value decreasing so that I could n't sell it for what was owed and other personal harships, on XXXX XXXX 2013 My home was foreclosed. The 1st lienholder XXXX XXXX received release from the 2nd Lien holder GMAC to foreclose on the property. After foreclosure the 1st lien sold the home for the full mortgage amount. I called GMAC the 2nd lien holder to see what would happen at that point since they did not receive money from the sale. They said they filed bankruptcy and wrote it off. Within the next year I started receiving calls from a company called XXXX XXXX XXXX who said the debt was sold to them and they are collecting it. XXXX XXXX XXXX is showing this debt on my credit as an open mortgage with late payments every month. I did some research and I found that legally GMAC should n't have sold the debt if they filed bankruptcy and wrote it off but even if it is okay for them to do that, the Collection company since they were not the original lien holder can not show this on my credit as an open mortgage with late payments every month and continued interest etc ... I have filed a complaint with the 3 credit bureau companies and XXXX refuses to do anything about how it is being reported ; however the other two have updated it. 
My complaint is against XXXX XXXX XXXX  and XXXX. Please help me in straightening this out. I understand the debt has to show on my credit report but at some point it will fall off but as long as it shows an open mortgage it will never come off and it looks like I am paying late mortgage payments every month and I am not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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:
On XX/XX/XXXX I received an alert notice from XXXX XXXX XXXX, an XXXX company. They had received a report from XXXX regarding negative activity on my credit report ( attached ). It states that XXXX XXXX had reported my account with the as " Bad Debt '' and " Placed it for collection. '' On XX/XX/XXXX I received an alert email from XXXX ( attached ) that my FICO rating had changed. My XXXX account details ( attached ) show that my credit score dropped 60 point on the XXXX of XXXX and recommended I contact TransUnion. 

I have contacted all three credit bureaus and filed disputed with XXXX and TransUnion. XXXX referred me to XXXX as the reporting bureau. I will, however, re-attempt to file a dispute / notification with that agency. 

I dispute the negative impact of the " Bad Debt '' classification and the referral to a collection agency, XXXX XXXX, XXXX. I was never informed that such a step was being considered or given an opportunity to payoff my balance with XXXX XXXX, which I would have done. My credit reports ( XXXX XXXX is attached ) document an unblemished 81-month payment history. I also have routinely paid twice the minimum required monthly payment amount. My latest statement is attached, and I can provide two years of statements if needed.

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 2018-01-10 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:
On XX/XX/XXXX I received an alert notice from XXXX XXXX XXXX, an XXXX  company. They had received a report from Equifax regarding negative activity on my credit report ( attached ). It states that XXXX XXXX had reported my account with the as " Bad Debt '' and " Placed it for collection. '' On XX/XX/XXXX I  received an alert email from XXXX ( attached ) that my FICO rating had changed. My XXXX account details XXXX attached ) show that my credit score dropped 60 point on the XX/XX/XXXX and recommended I contact XXXX. 

I have contacted all three credit bureaus and filed disputed with Equifax and XXXX. XXXX referred me to Equifax as the reporting bureau. I will, however, re-attempt to file a dispute / notification with that agency. 

I dispute the negative impact of the " Bad Debt '' classification and the referral to a collection agency, XXXX XXXX, XXXX. I was never informed that such a step was being considered or given an opportunity to payoff my balance with XXXX XXXX, which I would have done. My credit reports ( XXXX 's is attached ) document an unblemished 81-month payment history. I also have routinely paid twice the minimum required monthly payment amount. My latest statement is attached, and I can provide two years of statements if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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:
On XXXX XXXX, XXXX I received an alert notice from XXXX XXXX XXXX, an Experian company. They had received a report from XXXX regarding negative activity on my credit report ( attached ). It states that XXXX XXXX had reported my account with the as " Bad Debt '' and " Placed it for collection. '' On XXXX XXXX, XXXX I received an alert email from XXXX ( attached ) that my FICO rating had changed. My XXXX account details ( attached ) show that my credit score dropped 60 point on the XXXX of XXXX and recommended I contact XXXX. 

I have contacted all three credit bureaus and filed disputed with XXXX and XXXX. Experian referred me to XXXX as the reporting bureau. I will, however, re-attempt to file a dispute / notification with that agency. 

I dispute the negative impact of the " Bad Debt '' classification and the referral to a collection agency, XXXX XXXX, XXXX. I was never informed that such a step was being considered or given an opportunity to payoff my balance with XXXX XXXX, which I would have done. My credit reports ( Experian 's is attached ) document an unblemished 81-month payment history. I also have routinely paid twice the minimum required monthly payment amount. My latest statement is attached, and I can provide two years of statements if needed.

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