vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-20 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: HW Holding, Inc
State: FL

Complaint narrative:
Hunter Warfield and its representatives are attempting to collect an account for which I didn't sign a lease. Hunter Warfield contacted me about collecting a debt that I don't have any responsibility for. If there is reason to believe that I am responsible for this debt mail me documentation with my wet signature that I have entered into a contract with Hunter Warfield and its representatives who are attempting to collect an account for which I didn't sign a lease. I never entered into an agreement via a signed a contract with Hunter Warfield and I do not owe for this debt. I request that all other communications with me and with this address cease and a record entered that I dispute having any obligation for this debt. If Hunter Warfield stops collection of this debt and forwards or returns it to another company, please indicate to them that it is a disputed debt. If this debt is reported or has already been reported to the credit bureau, also report that the debt is disputed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I am contacting you in regards to a vehicle loan I had with XXXX XXXX up until the beginning of 2017. I have tried for well over a year to have XXXX XXXX  explain to me why I owe them any money to no avail. 

Back in 2017 my vehicle was stolen. I reported the theft to the police and within days the police found the vehicle. I also reported the theft to my insurance. After it was found, my vehicle was impounded for evidence by the police and held at a towing facility. During this time, I was in constant communication with the police, the insurance company, and the finance company. Short of the fact that the police department was not releasing my vehicle, everything seemed like it was going good. The insurance company said they would check the vehicle out to see if they were just going to total it or pay for the repairs and give it back to me. It wasn't until several months later when the insurance still was unable to view the vehicle even though they had been asking to for months did I get seriously concerned. It turns out my concerns were warranted. 

Not only did the insurance never got the permission to inspect the vehicle, but the vehicle was somehow given back to XXXX XXXX and XXXX sold it at auction! 
I tried to figure out what was going on since I was up to date on my payments but I never got anywhere with the police or XXXX. They simply placed a charge-off on my credit report after the vehicle was auctioned. I then decided to talk to a professional about this. I hired a company called XXXX XXXX XXXX to help me with this situation. They also worked on it for months. XXXX XXXX XXXX gave me a very detailed description of their investigation which I will forward to you. Honestly, that letter describes my complaint very well and details exactly what happened to me and how I've been taken advantage of by XXXX XXXX. I'm at the point where either this complaint will get XXXX to realize they are breaking the law and to stop trying to collect a debt I should not owe or I will have to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
Never notified of any debt from XXXX XXXX XXXX . They Sent bill to collections phoenix Recovery group, showed up on my credit. I personally went and spoke to that apt . complex where I was told there is No contract. There is also no history of me ever living there!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CT

Complaint narrative:
RE : Nationstar Mortgage LLC ( AKA. Mr. Cooper ) I purchased a home financed by a VA mortgage through NationStar Mortgage LLC on XX/XX/XXXX. 

When I received my first bill, I realized the amount was wrong, in that it was approximately {$200.00} too little ( Approximately {$1800.00}, should be {$2000.00} ). 

This {$2000.00} reflects my mortgage, and insurance, and taxes paid in escrow. 

I pointed this error out to NationStar immediately, and paid {$2000.00} towards my payment, as it should be. The error was in the amount calculated for taxes. 

I continued to pay my mortgage in the amount of {$2000.00} for the remainder of the year. 

On or about XX/XX/XXXX, I received a letter from the town of pending lien, that my taxes had not been paid. 

I notified NationStar, and was assured that it would be taken care of. 

On or about XX/XX/XXXX I was sent a follow up notice of pending lien, and I called the city tax-collector and confirmed that NationStar had not dispersed the taxes due.

I again called NationStar, and they again assured me that it would be sent to their tax department to take care of and that I should not worry about it.

On the date the lien attached, I called the city tax collector to confirm that the taxes had been paid. They told me the taxes had not been paid, and a lien would be in the mail the following day.

I called NationStar again, and after 20 minutes on the phone, they apologized profusely and assured me that it would be taken care of.

I received the Lien in the mail a few days later, and again called the tax collector, and again called NationStar, and was told the same thing again.

To date interest of {$110.00} has accrued, a lien fee has gone on the public record of my house, attached to my name, and a lien fee of {$24.00} has attached, a total of {$1400.00} has gone unpaid in taxes, and I have over {$3000.00} in my escrow account with NationStar that they will not release to pay them. 

Today on XX/XX/XXXX, I again called NationStar, and was told that they called the tax collector, and the tax collector said nothing was due. I live in a city where the tax collector picks up the phone on the first ring, and can answer my questions in seconds. I have called personally called the tax collector 4 times, and they immediately are familiar with my address, and the exact amount due on unpaid taxes and the status of my lien. There is no scenario in which NationStar is being honest by saying they called the tax collector. There is only a small handful of employees in that office, and every time I've called the person answering the phone is not familiar with anyone from NationStar calling about this lien, although they are always familiar with the lien within seconds as if they have a clipboard in front of them with limited liens on property in this smaller city.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: NY

Complaint narrative:
Attorneys for XXXX XXXX XXXX sued XXXX XXXX in XXXX County Court for an debt owed to XXXX XXXX XXXX XXXX. The debt was settled amicably in said Court on XX/XX/XXXX A clearance of the debt and all relevant information was immediately forwarded to Credit Bureaus Experian, XXXX and XXXX. 

Experian and XXXX have failed or denied all attempts mark debt accurately. 
Several more attempts have been made to clear this matter, including direct calls to bureaus representatives, to no avail. 

As of XX/XX/XXXX, Bureaus Experian and XXXX still advertise the debt as outstanding and late.

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 2018-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient XX/XX/XXXX compliant is I have previous set up a payment plan with Navient. From XX/XX/XXXX. to XX/XX/XXXX this will end. I have paid on time every month. But they are still continuously calling me daily and even on weekends. They sent me an XXXX letter stating I am default and I need to take action soon. I decided to call them and spoke with a representative, she said the representative who set up my payment plan should have never done that. I was never notified about that issue. All I know is that my payment was being deducted from my account every month. Today I spoke with another representative she set a plan that is suffice. ( Forbearance Plan ). 
I was inconvenience for something that wasn't my fought.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The purpose of this letter is to file a complaint against Wells Fargo Bank for an unfair, abusive and deceptive act and practice associated with the up charging of rate lock loan discount fees from the time it was disclosed on the initial loan estimate to the time I received my closing disclosure. There was no additional credit risk taken by the lender at closing and certainly no reason to charge me a higher discount fee. 

My understanding of an interest rate lock is that the interest rate and loan fees or discount fees are locked for a period of time ( 60 days in this case ) based on the loan amount and type of transaction requested. 

I will attached a more detailed letter of explanation when prompted.

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 2018-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
i tried to sign up for XXXX to keep track of my debts and help me reach my goals but they are blocking the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. Actually both XXXX and XXXX has removed them from their database due to several inaccuracies with this account, and yet I'm still waiting for XXXX to remove it. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

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 2018-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has continue to report negative items on my credit report that do not belong to me. They have sent me paperwork indicating that they are no longer on my report, but still have them there which is against the law. The following accounts need to be removed form my Experian report as they are not mine : 1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX. # XXXX 3.  XXXX # XXXX 4. XXXX. XXXX XXXX # XXXX 5. XXXX. of XXXX # XXXX 6. XXXXXXXX XXXX   XXXX # XXXX 7. 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 2018-06-20 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: NM

Complaint narrative:
On XX/XX/2018 I was locked out of my Coinbase.com account. This happened for no reason and I have called the company multiple times with no resolution. Coinbase customer service themselves admitted that it was a " mistake '' and shouldn't have happened. However, 4 months later my account is still locked and they will not unlock it. I can't even speak to anyone other than a general customer service rep who states the same rehearsed lines. I have called them 5 times, emailed numerous times and can not get any form resolution to my problem. My {$3900.00} dollars has been locked up, or may be gone completely, they can't even confirm, for over 4 months with zero help from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To whom it may be concerned, I recently found a lot of my Citi Thankyou points missing. I was appalled to find no transaction history about the missing points through my Citi online account. When I call Citi, I was told by the representative that XXXX Thankyou points were forfeited on XX/XX/XXXX. It was due to the closure of my Citi prestige card I made on XX/XX/XXXX. Actually the Citi prestige card was closed through an automated system and it was done right away without any warning. Although Citi claimed that they notified me by letter that the Thankyou points earned through a closed card would be forfeited if I didn't move or use the points within two months, I was easily misled by Citi 's unclear explanation.

My Thankyou reward was sponsored by both of my XXXX XXXX XXXX access card and the prestige card. When the prestige card is closed, the Thankyou reward account is still valid since XXXX XXXX XXXX card is still open. Citi didn't give explicit statement for forfeiting points in this situation. In fact, the common practices in the industry such as XXXX XXXX 's membership rewards and XXXX 's ultimate rewards are all your reward points are safe as long as the reward account is open. Meanwhile, Citi didn't make the points earning through different Citi cards separated. It didn't show my missing XXXX points are earned through the Citi prestige card and the rest are earned through XXXX XXXX XXXX card. This also lead customers like me to think the points in the entire reward account are the same. 

Citi 's practice of forfeiting rewards is very unclear, misleading, and unfair. Every reward point is earned hard by customers like me. I use the prestige card for more than 3 years to earn this amount of points. For me, the missing points have a worth of more than 500 usd. However, it was taken from Citi in a very surreptitious manner.

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 2018-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am responding to the attached responses from your company dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Originally you were attempting to over collect amount for me until I informed you and provided a copy of settlement letter from your Attorney XXXX XXXX. Upon providing that information you now state that you are willing to accept the settlement offer XX/XX/XXXX from your Attorney. In order for me to continue paying you which ( you have not provided proof as a judgment is not proof that you own the debt ) you must provide the following : Printout of all payments received from you since XX/XX/XXXX with running balance due as your previous letters indicated that I owed over {$40000.00} I have and will notify the Attorney General regarding your false acquisations. 
Upon receipt of letter acknowledging that your agree to the attach settlement along with a printout of all funds received I will review further. If you are not able to provide proof that you have received payments from XX/XX/XXXX - XX/XX/XXXX I can not continue as I do not believe you actually own this debt. Your letter must also contain language that you will be removing abstract judgment as Texas Law does not prohibit Abstract Judgment on Homestead Properties. 

Please refer to settlement and provide requested information. 
a. letter stating you will continue to honor original agreement b. copy of history of payments received with running balance due since XX/XX/XXXX - XX/XX/XXXX ( you have not cashed my payments since XXXX what happen to these payments that was sent to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: MD

Complaint narrative:
Transunion has refused to remove fraudulent inquiries on my credit report. Ive submitted multiple letters to transunion to have them remove the inquiries that I did not apply for. All other reporting agencies have recognized that the inquiries are not mine yet transunion is unwilling to remove these inquiries. 

Inquiries Below : XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On or about XX/XX/2018, I received my car insurance renewal from XXXX XXXX in XXXX XXXX, Virginia. For the past three years my car insurance rates have increased, even though a vehicle has been dropped from the policy. Every year the XXXX XXXX XXXX attaches a letter to my policy that is entitled " Credit Adverse Action Notice ( see attachment ). '' I complained to Equifax last year after receiving the same letter from XXXX XXXX, I never received a response. The insurance company justifies the rate increase each year by stating in the letters that " insurance scoring '' was utilized and that factors in my consumer credit report warranted me not getting the best possible insurance rate. The letter this year justifies the increase by identifying four factors in my credit report that affected my insurance score. The letter goes on to state that two separate credit models were used to determine my insurance score. XXXX XXXX developed one credit model called " XXXX '',  XXXX  developed the " XXXX '' model. My wife and I have have excellent credit, XXXX and XXXX, respectively. According to several of the major consumer credit reporting agencies we have no derogatory marks on our credit reports, but these two models found four negative factors : XXXX XXXX Lack of substantial credit history - XXXX Recently opened auto loan account or no auto loan on report - XXXX XXXX XXXX Age is XXXX and average number of months trades on file is 120 Aggregate credit card payment/balance ratio over last 12 months Months since oldest mortgage opened is 49 months or more. XXXX Months since most recent credit card opened is 25 to 36. XXXX None of the above cited factors are contained in any of our consumer credit reports. Additionally, when did insurance companies become experts in the credit industry that they have developed a credit model that they use to increase consumer rates. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX What if

Company response to consumer: Closed with explanation