vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax,  XXXX  and   XXXX   XXXX   continue to report the following on my credit report resulting in deleterious results and/or ability to obtain credit and/or instant employment, to wit : ( 1 )   XXXX   XXXX   XXXX   XXXX   XXXX   US Bankruptcy Court  XXXX , VA  XXXX  Status : Docket #  XXXX , DISMISSED. ( 2 )   XXXX   XXXX   XXXX   XXXX   XXXX   US Bankruptcy Court  XXXX , VA  XXXX  Status : Docket #  XXXX , DISMISSED.
Each continue to list the dismissed bankruptcy on my credit file due to their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years.
However, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from, " date of adjudication '' or date of " order of relief ''.
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, each of the   XXXX   reporting agencies have no right to maintain information which the government has deemed nonexistent.
Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, [ all   XXXX   ] must delete this information from my credit report and send me an updated copy when this action is completed.
I previusly provided each of the three agencies with Court Order related to the public notice filings, to wit : Attachment # 1 : CASE NO.  XXXX  was DISMISSED on XX/XX/XXXX  and therefore should not be on my credit reports. Attachment # 2 : CASE NO.  XXXX  was DISMISSED on  XX/XX/XXXX . Attachment # 3 : CASE NO.   XXXX    FINAL ORDER discharging the Trustee and closing the case without a bankruptcy discharge and/or any other relief.
These Court ORDERS should be sufficient in supporting my contention that each of the   XXXX    Credit Bureau s, Equifax,   XXXX  and   XXXX   XXXX   should immediately remove these Public Notices from my credit reports and provide me a clean report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
LoanDepot, my mortgage company, has yet to pay my property taxes to   XXXX   XXXX    XXXX  for  XXXX     2017.   They have, however, paid the taxes for  XXXX  2017- XXXX     2017. T hat payment was only made just recently, as up until just a few weeks ago both  XX/XX/XXXX  and  XX/XX/XXXX  payments remained unpaid After many phone calls to their customer service department and many emails to their " delinquent taxes '' department asking for a solution, I continue to be put off and told that " funds were disbursed '', yet these taxes continue to remain unpaid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MB FINANCIAL, INC.
State: GA

Complaint narrative:
XXXX  XXXX /2017 called to order a short sale package informed the customer service rep that I was actively trying to sell my house with a realtor.
 XXXX / XXXX /2017 called back to ask for another short sale package never received the first one.
 XXXX / XXXX /2017 my realtor and I called in on a conference call because the package received was for a loan modification and I told the CSR that I was unemployed and that we were actively showing the house to sell it. The CSR confirmed that if we sent that package in for a loan modification that the foreclosure would be put on hold to allow us time to process that request in the hopes of securing a buyer.
 XXXX / XXXX /2017 loan modification was faxed over 135 pages completed the checklist of documents requested.
 XXXX / XXXX /2017 we received a full price offer enough to pay my loan in full. My realtor and I called the foreclosure attorney to make sure that the foreclosure had been put on hold and we were told the house sold to a 3rd party at foreclosure on  XXXX / XXXX /2017  XXXX  at the law office told us to contact MB Financial Mortgage and let them know we had a full price offer to pay the mortgage in full. We called and  XXXX  at MB Financial Mortgage verified that the documents for the loan modification were received and they were missing 5 pages so my realtor sent them to her immediately and  XXXX  confirmed she received them.   XXXX   proceeded to inform my realtor that she would ask her supervisor to " Reinstate the loan '' and she would send an updated payoff. She informed my realtor that the reinstatement of the mortgage was APPROVED to continue with the sale of the house! An hour later my Realtor had the purchase and sale agreement executed.
The buyer has proceeded with an inspection {$400.00} and Appraisal {$550.00}.
 XXXX / XXXX /2017 My realtor called MB Financial Mortgage and spoke to 4 different people over the course of 2 hours and was told that they will not reinstate the mortgage she even spoke to a Vice President of the Mortgage Company and he refused to help also. My Realtor 's attorney and the Mortgage Company 's attorney have both confirmed that they have up to 30 days to rescind the 3rd party sale and reinstate this mortgage so we can pay it off in FULL on  XXXX / XXXX /2107.
I am begging you to put this at the top of the list as we are about to lose this buyer. My realtor could face punitive damages for listening to   XXXX   and MB Financial Mortgage promise to reinstate this mortgage. I appreciate your prompt attention regarding this very urgent matter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On   XXXX   XXXX  , 2017, I received a letter from Home Depot stating that my credit card issued through   XXXX   XXXX   XXXX   had been closed due to an adverse credit score. I checked my credit report and it was excellent. I called them and was told that hundreds of letters had been sent out by mistake informing customers of account closures due to poor credit. They refused to re-open my account as I requested and stated that a warning letter had been sent out prior to closure informing me that my account would be closed due to inactivity if I did n't use it.I told her that I never received such a letter. She still refused to re-open the account. On or about   XXXX   XXXX  , 2017, I spoke with a supervisor named  XXXX  who admitted that no warning letter was ever sent as previously indicated even though it was company policy, but again refused to re-open the account. My credit score has dropped more than   XXXX   points as a direct result of their negligent and incompetent handling of my account by closing it without notice or consent. This has had a devastating effect on my ability to become employed in my field. My credit score is very important to me as it is closely scrutinized on a regular basis as a first responder. I engaged a lawyer who found case after case of case law of situations that dealt with " covenant of good faith '' that illustrated a clear violation on the part of Citibank of this concept in Arizona law. I will be happy to provide a copy of that letter which was sent to Citibank on my behalf urging them to re-open my account. Yet again, they refused. Citibank needs to follow Arizona law, " implied covenant of good faith and fair dealings in every contract. The duty arises by virtue of a contractual relationship. '' They have acted in bad faith and caused me significant harm by not being faithful to the agreed upon common purpose of the contract thereby preventing me from receiving the benefits and entitlements of my account agreement.

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 2017-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am showing General Revenue Corp on my Credit report   XXXX    and   XXXX   for a balance of {$310.00}. I do not have a signed contract with General Revenue and do not owe a debt/balance to General Revenue. I am not aware of any signed contract with General Revenue.

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 2017-07-19 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: Nelnet, Inc.
State: MI

Complaint narrative:
There are   XXXX   accounts that are reporting 120 days late from Nelnet,   XXXX   XXXX   XXXX    XXXX  account and   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX      XXXX   account. I have been attempting to contact these lenders to correct these errors that have caused my credit score to plummet and I am unable to obtain a mortgage. Also all of the above accounts are apart of a loan consolidation so how are they reporting late and the consolidation loan is in good standing. I contacted the FTC last year and they corrected this error so why is Nelnet reporting this way again this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX / XXXX /2015 Wells Fargo Bank Account Acct #   XXXX      XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  -   XXXX    Ca  XXXX  Soc. Sec #   XXXX   Personally went into branch and advised a customer service representative on site of the fraud to this account and the overdrawn amount that was displayed under my name.The representative agreed to have this looked into and reported the issue. Account was supposedly closed, yet I have been informed that it has been reported.
This account was defrauded from a lost check book and has now resulted in this account reported to   XXXX   XXXX   XXXX  . I am requesting that this account be removed as I am having major issues trying to open a checking account with financial institutions.
The amount of {$1100.00} should be corrected and removed from my obligation do to the fraud that I reported to the institution.

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 2017-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NM

Complaint narrative:
I received an offer on my Barclaycard Advantage Aviator Red Mastercard in   XXXX   XXXX   which would result in 30,000 bonus American Airlines AAdvantage miles after spending {$2500.00} per month between   XXXX   XXXX   and   XXXX   XXXX  . The offer stated the miles would post to my account 6-8 weeks after my statement closed after the promotional period. It has been more than 8 weeks since then, but the miles have not posted. I contacted Barclaycardus ; however, I was told the credit card company 's records showed I did not sign up for the offer. The attachment show the offer, confirmation of my registration, and confirmation of my spend on the card.

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 2017-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
My girlfriend and I have been using Coinbase.com /  XXXX  for cryptocurrency trading.
On   XXXX   XXXX  , 2017,   XXXX   initiated a bank wire transfer from her   XXXX   XXXX   to my   XXXX   account in the amount of {$20000.00} to invest. However, it is only after we have not gotten the funds, when we realized that the sending account name has to match with the recipient account name.
We then called   XXXX   XXXX   to ammend the wire instructions, so we can correct the recipient name back to her own name, which we did. We also called the   XXXX   XXXX   ( Coinbase 's bank ) to verify, and they did verify that the funds were deposited.
However, it is now   XXXX   XXXX  , 2017. Almost a week later and nothing has been done. Both of us have been emailing coinbase and   XXXX   with aboslutely no response. We tried support@coinbase.com, wiresupport@coinbase.com,  XXXX  with no response.
Ive tried to message them on twitter, i 've even started a thread on reddit to resolve this issue. Still, nothing happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There is a chapter   XXXX   Bankruptcy and   XXXX   public records on my credit report that does not belong to me. The courts do not report to the credit reporting agencies nor do they report to third party companies such as  XXXX , Equifax,  XXXX , Collection agencies, or   XXXX   XXXX  . I have sent a method of verification letter to Equifax and  XXXX  asking them to fill out the verification form that I sent to them and got no response. These are the accounts in question that are an identity fraud issue : Reference number for Bankruptcy is  XXXX ,  XXXX ,  XXXX , and  XXXX  are the other   XXXX   accounts that do not belong to me.
There is a slew of inquiries that I did not authorize nor did I sign any paperwork to run my credit for any of these inquiries. I called the companies and none of them can send me a signed credit application with my signature stating I authorized these inquiries.
  XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX   XXXX  Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX    Inquiry from  XX/XX/XXXX   XXXX  Inquiry from  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
LoanDepot, my mortgage company, has yet to pay my property taxes to   XXXX   XXXX   XXXX   for  XXXX  2017. They have, however, paid the taxes for  XXXX  2017- XXXX  2017. That payment was only made just recently, as up until just a few weeks ago both   XXXX   and  XXXX  payments remained unpaid After many phone calls to their customer service department and many emails to their " delinquent taxes '' department asking for a solution, I continue to be put off and told that " funds were disbursed '', yet these taxes continue to remain unpaid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: MI

Complaint narrative:
There are  XXXX  accounts that are reporting 120 days late from  XXXX ,   XXXX   XXXX   XXXX    XXXX  account and   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   account. I have been attempting to contact these lenders to correct these errors that have caused my credit score to plummet and I am unable to obtain a mortgage. Also all of the above accounts are apart of a loan consolidation so how are they reporting late and the consolidation loan is in good standing. I contacted the FTC last year and they corrected this error so why is   XXXX   reporting this way again this year.

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 2017-07-19 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: EQUIFAX, INC.
State: MI

Complaint narrative:
There are  XXXX  accounts that are reporting 120 days late from  XXXX ,   XXXX   XXXX   XXXX     XXXX   account and   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   account. I have been attempting to contact these lenders to correct these errors that have caused my credit score to plummet and I am unable to obtain a mortgage. Also all of the above accounts are apart of a loan consolidation so how are they reporting late and the consolidation loan is in good standing. I contacted the FTC last year and they corrected this error so why is  XXXX  reporting this way again this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: MI

Complaint narrative:
There are   XXXX   accounts that are reporting 120 days late from  XXXX ,   XXXX   XXXX   XXXX   XXXX   account and   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX     XXXX    account. I have been attempting to contact these lenders to correct these errors that have caused my credit score to plummet and I am unable to obtain a mortgage. Also all of the above accounts are apart of a loan consolidation so how are they reporting late and the consolidation loan is in good standing. I contacted the FTC last year and they corrected this error so why is   XXXX   reporting this way again this year.

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 2017-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I used Wellsfargo  XXXX  to send money to my mother. I wrote her name and typed in a phone number to transfer the money. Turns out the name and number did n't match, because there was a typo in the phone number. The money was still sent. I immediately called them right after the transfer before it even completed. They waited two weeks before giving me a resolution and just told me according to their research the funds are now gone, and even though the name and the phone number did n't match Wellsfargo still transferred the funds and there is n't anything they can do about it, unless the person voluntary gives it back???
Institution : Wellsfargo Application :  XXXX  Amount : {$500.00} Transfer :   XXXX   XXXX  , 2017 Action :   XXXX   XXXX   2017 - opened claim   XXXX   XXXX  , 2017 - reopened claim Spoke to a banker, he 's trying to file another claim to the internal resolution team and advocate for me I forced them to reopen the claim after they closed it, when they told me they tried " calling '' the other financial institution and that was it. Even if I was take this person to small claims, Wellsfargo will not provide me with documentation of the information of where the money was transfer to so I can take the person to court. So long story, short they are leaving me high and dry. They told me to handle it myself but even then they are not providing me with much information to handle the situation myself.
The general attitude was tough luck to me. I have a personal banker that I encounter that is trying to advocate for me but it seems bleak. I do n't know why they sent my money even if the number did n't MATCH THE NAME!

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 2017-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants Credit Corporation
State: WA

Complaint narrative:
i was responsible to pay my co-pay for a medical visit i had, i waited to receive the mail, i have had issues receiving my mail at times i expressed that, one day i got a bill saying that owed this large balance an i I 'm confused because i know i do n't owe it i have benefits that job covers majority, it says its because i did not pay the co pay but i never received that mail

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
Consumer Portfolio Services calls me repeatedly several times a week, harassing phone calls which I have a number of save message from week to week. This has been going on since  XX/XX/XXXX . I do not have or owe this company any thing. I have asked on numerous occasion for the many different representative to stop calling me on a daily basis. I get at least 2 to 3 calls some times more during the each week. This has been going on for a minimum of 2 plus years no exaggeration. The latest calls were from   XXXX   XXXX  - XXXX    XXXX   XXXX   as of XX/XX/XXXX

Company response to consumer: Closed with explanation