vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-25 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: LD Holdings Group, LLC
State: IN

Complaint narrative:
First husband died did not know he had a loan for truck and had put me on as well I was told if I paid the debt that they would finish putting paid as agreed never late because it was late due to me having no idea about the lone on the other two accounts mortage and credit card my Id and all personal information was stolen because Im on ss it took me awhile to catch it up in fact Im current but I took from other bills and paid mortage cause was told once it was current they would take off the fees as well as off report and put paid as agreed still not done on credit card also cause of robbery tried to make minimum payment till they did investigation on what was mine or the theft said wouldnt take a payment cause it would cause the fraud case to stop tried several times to paid in various ways was told it wouldnt go on credit report nope they reported it late for months that they were working on it infact I had auto pay set up and the money was in bank they never took I do not feel I should be punished in any of these cases I pay ontime always as well as do not normally keep balance more then 30 days as it shows on report now Ive got maxed out cards and bad credit for nothing to do with me not paying they ran so high and stole so much money that Im struggling to keep up all the mortage and credit cards fault they said theyd take off that was in XX/XX/XXXX still there as of XX/XX/XXXX plz help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
There's 4 collection accounts dated XXXX17 on my report inwhich I have no knowledge of, yet has not been physically verified by the very credit reporting agencies inwhich is reporting such damaging unverified information on my report. Now according to the FCRA accounts must be PHSICALLY verified if not then they must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/17 i Transfer {$1800.00} from my wells fargo checking account using XXXX. 
I add the recepient email address to send him the funds. 
The recepient receive the email confirmation that the funds where on its way but they never arrived and the curios things is that the email he received say that the funds where going to a different bank and to a different name. 
As soon as this happened that same day we contact wells fargo over the phone and also in person, they open a claim at the branch and one claim over the phone. 
After a couple of weeks i got a letter that there is nothing they can do because the funds went into someones account and the bank that receive it ( XXXX ) cant cooperate on providing information on the person who receive the funds. 
After this first claim i tried 3 more times opening new claims, and the answer was always the same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
There's 4 collection accounts dated XXXX17 on my report inwhich I have no knowledge of, yet has not been physically verified by the very credit reporting agencies inwhich is reporting such damaging unverified information on my report. Now according to the FCRA accounts must be PHSICALLY verified if not then they must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: MO

Complaint narrative:
There's 4 collection accounts dated XXXX17 on my report inwhich I have no knowledge of, yet has not been physically verified by the very credit reporting agencies inwhich is reporting such damaging unverified information on my report. Now according to the FCRA accounts must be PHSICALLY verified if not then they must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
First husband died did not know he had a loan for truck and had put me on as well I was told if I paid the debt that they would finish putting paid as agreed never late because it was late due to me having no idea about the lone on the other two accounts mortage and credit card my Id and all personal information was stolen because Im on ss it took me awhile to catch it up in fact Im current but I took from other bills and paid mortage cause was told once it was current they would take off the fees as well as off report and put paid as agreed still not done on credit card also cause of robbery tried to make minimum payment till they did investigation on what was mine or the theft said wouldnt take a payment cause it would cause the fraud case to stop tried several times to paid in various ways was told it wouldnt go on credit report nope they reported it late for months that they were working on it infact I had auto pay set up and the money was in bank they never took I do not feel I should be punished in any of these cases I pay ontime always as well as do not normally keep balance more then 30 days as it shows on report now Ive got maxed out cards and bad credit for nothing to do with me not paying they ran so high and stole so much money that Im struggling to keep up all the mortage and credit cards fault they said theyd take off that was in XX/XX/XXXX still there as of XX/XX/XXXX plz help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-25 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: Nicholas Financial Inc.
State: IN

Complaint narrative:
First husband died did not know he had a loan for truck and had put me on as well I was told if I paid the debt that they would finish putting paid as agreed never late because it was late due to me having no idea about the lone on the other two accounts mortage and credit card my Id and all personal information was stolen because Im on ss it took me awhile to catch it up in fact Im current but I took from other bills and paid mortage cause was told once it was current they would take off the fees as well as off report and put paid as agreed still not done on credit card also cause of robbery tried to make minimum payment till they did investigation on what was mine or the theft said wouldnt take a payment cause it would cause the fraud case to stop tried several times to paid in various ways was told it wouldnt go on credit report nope they reported it late for months that they were working on it infact I had auto pay set up and the money was in bank they never took I do not feel I should be punished in any of these cases I pay ontime always as well as do not normally keep balance more then 30 days as it shows on report now Ive got maxed out cards and bad credit for nothing to do with me not paying they ran so high and stole so much money that Im struggling to keep up all the mortage and credit cards fault they said theyd take off that was in XX/XX/XXXX still there as of XX/XX/XXXX plz help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
I have two accounts with Coinbase.com and have contributed about {$30000.00} to my account. Coinbase isn't allowing me to withdraw my holdings out of my accounts and is showing less money in my account than I contributed. I have reached out to them numerous times over the past 10 days and haven't gotten any resolution. i don't know what to do. I need my money immediately for a home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I initiated a refinance home loan now serviced by Caliber Home Loans ( Caliber ). 
I set up automatic payments to Caliber through the XXXX XXXX XXXX XXXX ( XXXX  ), which used the iPay Bill Pay Service from XXXX XXXX XXXX XXXX ( XXXX XXXX ). 
Automatic monthly loan payments ( {$1300.00} ) started in XX/XX/XXXX. 
Monthly payments were routinely sent from the XXXX to Caliber, in check format as scheduled from XX/XX/XXXX, through XX/XX/XXXX, via XXXX XXXX. 
In XX/XX/XXXX, Caliber notified XXXX XXXX they would stop accepting payments in check format, and would begin only accepting electronic payments instead. [ THIS CALIBER INITIATED ACTION is root cause # 1 for the missed payments ] XXXX XXXX then stopped check number XXXX ( the XX/XX/XXXX payment in process ) to change the payment method to electronic. 
However, Caliber REJECTED the subsequent electronic payment from XXXX XXXX for XX/XX/XXXX. [ THIS CALIBER INITIATED ACTION is root cause # 2 for the missed payments ] This rejection DEACTIVATED the XXXX XXXX XXXX reoccurring payment to Caliber, that was previously set up. 
Caliber immediately reversed itself and notified XXXX XXXX to change the payment method back to check format, as they had NOT completed their set-up to accept electronic payments. 
Since the automatic payments were deactivated by the series of actions initiated by Caliber, the XX/XX/XXXXand XX/XX/XXXXpayments due to Caliber went unpaid. 
As I was on an XXXX XXXX in XXXX, and thinking my payments were automatic, I was not aware these payments were late until my return to the US in late XX/XX/XXXX. 
Upon my return to the US, I immediately scheduled the late XX/XX/XXXX and XX/XX/XXXXpayments. 
The XXXX 's XXXX XXXX XXXX again started sending payments in check format to Caliber, automatically as scheduled, as Caliber still had not set up to receive electronic payments. 
ONLY in XX/XX/XXXX, 3 months after their initial communication, did Caliber complete their set-up and begin receiving electronic payments from XXXX and XXXX XXXX. 
I have never missed any payments on this loan ( or any previous mortgage ) prior to, or after the payments impacted by the Caliber initiated actions. 
Had Caliber not rejected the first electronic payment attempt, made at their request, these late payments would have never occurred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-25 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 — Problem with personal statement of dispute
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
I disputed debt from a bank account. I didn't use my bank card nor did I have my card. When a finally received my bank statement, due to me moving I didn't receive it for awhile, I noticed I was in the hole {$2000.00} I believe. At that time I went to my wallet only to find that my card was gone. I contacted my bank but because it had been a certain amount of days I could no longer get dispute it. I do not believe it's right to be on my credit report due to the fact that I did not authorize withdrawals from my account I know owe {$2600.00} to knight adjustment bureau and they refused my dispute. I'm very unhappy with this decision because I don't think it's fair for me to pay back something I didn't spend. It's been sense XX/XX/XXXX that this has been on my report and it happened back In XX/XX/XXXXor XX/XX/XXXX I believe when my account was actually closed at the bank and XX/XX/XXXX I believe when I contacted my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I previously sent XXXX XXXX a validation of debt letter under the Fair Debt Collection Practice Act to validate what they claim that I owe them. And all I received was an itemized list of alleged charges. This does not meet the Federal Trade Commission guidelines of what constitutes proper debt validation. ( I have attach the original Validation letter ). During my request of proper debt validation with XXXX XXXX I notice that they are still reporting this collection on my credit report, which is considered to be a collection activity. They are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collection on my credit report are causing me severe problems in trying to purchase a home and the damage could lead in to the {$1000.00} 's. Reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all benefits of good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: CONTRACT CALLERS INC
State: UT

Complaint narrative:
After calling to resolve this debt, that wasn't mine, they threatened to ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There are two attempts to get a XXXX charge card on my credit report. Clearly someone is trying to use my information that has no idea who I am. You can see that they applied totally spelling my last name wrong both times but the same each time. I dont even know how stupid someone would have to be to NOT detect that this is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I want all my " citi '' accounts closed and a check for the balance mailed to 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 explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, I was not able to make a payment due to being placed on FMLA at my job and receiving late pay from my employer. On XX/XX/XXXX the area I presently reside in was hit by hurricane Harvey and I was told by my mortgage company Round Point Mortgage not worry because they could place mortgage payments in suspension for 3 months due to the area I live was declared a disaster area by my state. I was told by Round Point to start making payments again in XX/XX/XXXX. They also stated that I would receive a borrower assistance package in the mail in XX/XX/XXXX. When XX/XX/XXXX came. My mortgage company raised my payment by XXXX dollars and they stated this was due to not having insurance in XX/XX/XXXX. Round Point stated that if I could prove that I had insurance in XX/XX/XXXX they would credit the difference back to my account. I sent in proof from my insurance carrier and was never given a response. I have been paying XXXX dollars more over the past 6 months. So this should mean that I am only 4 months behind. I recently requested to be sent a statement showing the amount I am behind. The statement I received shows that I am five months behind and is not correct. Also it states that none of the payments I have made including a double payment in XX/XX/XXXX have been credited to my escrow account also it states that after I pay the amount requested my payment will still be XXXX dollars which is also incorrect this legalized robbery. I also want to mention that at no time during this period did XXXX XXXX XXXX XXXX ever state that late charges would be placed on my account and they also have been charging late fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I disputed these items back in XX/XX/XXXX. The CFPB sent me 2 emails apologizing for the XXXX XXXX XXXX not responding in an appropriate time. You ( CFPB ) threatened to take action, so instead, in XX/XX/XXXX XXXX XXXX XXXX said that my Dispute was frivolous and unfounded. It is not my debt and when I Disputed all 3 of these again in XX/XX/XXXX through Experian, they removed 2 of the 3 because they couldn't back up the information. I have Disputed now again after XXXX reports the inaccuracies yet again. This is getting ridiculously redundant and all parties involved now are purposely ruining my Credit and my Name! I want this matter resolved ASAP, the remaining account that is charged off is too be removed in XX/XX/XXXX/XX/XX/XXXX. Experian removed 2 of these items in XX/XX/XXXX and now has put them back. I see no other way of looking at this but that these companies are directly sabotaging my Credit Reports. These need to be removed immediately and my scores adjusted accordingly. 

Thank you for your immediate attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25 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: AES/PHEAA
State: TX

Complaint narrative:
XXXX has missed payment on my credit but told me it would be corrected due to an issue on their end by sending letters to the old address. Once I caught the error I contacteded them and was told it would be fixed. It has not been fixed and it has been over 6 months. The rep said that they were signing me up for a retroactive payment plan and it would take care of the miss payments because the letter was sent to an old address even though they had the new address. I disputed it and they said the info was correct. I have a recorded call where the rep said the missed payments would be removed because of a mistake on their end. This wasnt my fault and it needs to be corrected ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I never authorized this companies to obtain a copy of my credit report. I disputed this with company and credit bureau with no response. I want to see the application signed by me which should be on file. This violates the Fair Credit Reporting Act. These inquiries need to be removed or show me where I authorized these companies to obtain my credit report. The credit bureau 's need to remove the following inquiries : XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX   XXXX XXXX. XX/XX/XXXX I never authorized any of these companies to obtain my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX has missed payment on my credit but told me it would be corrected due to an issue on their end by sending letters to the old address. Once I caught the error I contacteded them and was told it would be fixed. It has not been fixed and it has been over 6 months. The rep said that they were signing me up for a retroactive payment plan and it would take care of the miss payments because the letter was sent to an old address even though they had the new address. I disputed it and they said the info was correct. I have a recorded call where the rep said the missed payments would be removed because of a mistake on their end. This wasnt my fault and it needs to be corrected ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX has missed payment on my credit but told me it would be corrected due to an issue on their end by sending letters to the old address. Once I caught the error I contacteded them and was told it would be fixed. It has not been fixed and it has been over 6 months. The rep said that they were signing me up for a retroactive payment plan and it would take care of the miss payments because the letter was sent to an old address even though they had the new address. I disputed it and they said the info was correct. I have a recorded call where the rep said the missed payments would be removed because of a mistake on their end. This wasnt my fault and it needs to be corrected ASAP.

Company response to consumer: Closed with explanation