vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC
State: FL

Complaint narrative:
XXXX was purchased for a new home purchase on XXXX/XXXX/XXXX form XXXX XXXX XXXX.On XXXX/XXXX/XXXX an inspection was conducted and I received notice on XXXX/XXXX/XXXX that the water heater needed to be replaced due to its age and location, as well as, a missing shut off valve in the guest bathroom.I contacted the customer service dept and explained that the water heater was inspected in XXXX and was in very good condition and the work being requested was significant and costly, and wasnt financially feesible at the time. I was told that the policy would not be cancelled, however, not renewed, if the work was n't completed by that time of renewal. This information was incorrect, I received notice that the work needed to be completed by XXXX/XXXX/XXXX. I then recieved a cancellation notice on XXXX/XXXX/XXXX stating that the policy was being cancelled on XXXX/XXXX/XXXX. Upon binding the policy with XXXX XXXX XXXX on XXXX/XXXX/XXXX, a home inspection report was sent to them for review and the information regarding both water heater and shut off valve was clearly indicated on it and they chose to bind the policy. As a result the coverage lapsed and I was not able to obtain coverage immediately, due to high cost of premiums from other carriers and lack of sufficient finances. On XXXX/XXXX/XXXX I was able to obtain a new policy, however, Pacific Union Financial which is the morgage lender sent a notice on XXXX/XXXX/XXXX that they woud be assessing a {$2700.00} forced insurance policy for the time period of XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. I called Pacific Union Financial on XXXX/XXXX/XXXX to obtain clarification and was told that unless I provide proof of insurance this amount woud be added to my mortgage. I explained to them that I was in disagreement with this because this lapse occured in the past and the home was currently insured. I asked for them to justify placing insurance on the home to cover the past and the nature of the risk being assumed for this period of time, which had already past. I was told that it was thier policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 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: MA

Complaint narrative:
I have tried to contact XXXX XXXX XXXX regarding this fraudulent account to no avail. I have been under the impression that this fraudulent credit card account ( opened by my mother in XXXX XXXX without my knowledge or consent since she has access to my social security number ) would be totally removed from my credit report since I had nothing to do with this credit card account. The credit card maximum is {$5000.00} which she has maxed out. I am a XXXX in college just starting to get started in the world of credit and I do not have a good relationship with my mother. I just want this to end now. 

I have filled out an FTC Identity Theft Report on XXXX XXXX and have mailed a follow up letter to XXXX XXXX XXXX on that same day and have received no response. I also contacted XXXX via a letter for them to correct my credit report. I received the ' '' corrected '' credit report today in the mail ( XXXX XXXX ) which still has the XXXX XXXX XXXX credit card account on it. While it does say that the account has been closed, it says that the account will appear on my report for two years. What is the reasoning behind this fraudulent account staying on my credit report for two additional years? 

I have been trying to get answers and trying to get this fraudulent information off of my credit report from XXXX XXXX when I first contacted XXXX XXXX XXXX. 3 months now! When I spoke to the representative from XXXX XXXX XXXX on XXXX XXXX, the woman said that the credit card was opened with a birthday that was not mine. What kind of system is this where someone can just open a credit card with the wrong birthday? My patience is running thin. I am a college student and having to deal with all this nonsense during my exams and finals period is extremely unfair. I demand answers.

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 2017-12-13 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: CT

Complaint narrative:
My information has been compromised as a result of the XXXX security breach. I have pulled my reports and have been unsuccessful with removing fraudulent inquiries listed on my credit report with submitted documents.

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 2017-12-13 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: CT

Complaint narrative:
My information has been compromised as a result of the Equifax security breach. I have pulled my reports and have been unsuccessful with removing fraudulent inquiries listed on my credit report with submitted documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alorica Inc.
State: FL

Complaint narrative:
Less than a year ago, I unfortunately had to be hospitalized and at the time I did not have health insurance and I was told by the hospital that I would qualify for emergency XXXX based on my circumstances. I have never received a bill or any form of notice. 

A few months later, I was checking my credit report and I was shocked to learn that I had all of this outstanding debt that had gone into collections. I never received/done any business with any of these entities listed in my report. 

The list goes as followed : XXXX XXXX XXXX, XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX 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 2017-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION
State: NJ

Complaint narrative:
My bank who held my mortgage was sold quickly over a course of a few months. XXXX XXXX was bought by XXXX XXXX XXXX, then XXXX XXXX, and finally BBT. I believe that my mortgage was reported late for 4 months straight during this time in error which is now effecting my credit score to  purchase a new property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 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: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
This is to show that Nationstar Mortgage that holds my current VA loan is blaming the credit bureaus with not correctly reporting all of my payments that have been made on my loan since XX/XX/XXXX. I have also attached two bureau reports, current, showing only XX/XX/XXXX and XX/XX/XXXX as reported as payments being made. I have a paper trail showing via cashed checks otherwise. I also have submitted Nationstar 's payment report file that does n't not reflect accurate information on all three credit bureaus. 
I have kept in touch with the credit bureaus, in which, I was told that Nationstar will need to fix the errors regarding inaccurate reporting, as well not reporting all payments that have been made on my loan since XX/XX/XXXX. Regardless, if my account is in forbearance, payments, regular mortgage payments that have been made, should still be reporting to the proper bureaus. I was told by the bureaus through numerous phone calls that the issue is not with them. They only report what is being sent by Nationstar. 
This is the sixth complaint and will continue until my payments are being correctly reported to all three credit bureaus. 
As per attachments. Nationstar can clearly see the issues that I have continued bringing up to them. Yet, still not being resolved. 
I was also 'suppose ' to receive a call back from a XXXX consumer advocate this afternoon and a representative from Nationstar . I never received that phone call. I did leave a voicemail with XXXX. I have a buyer on my home and can not proceed ahead with a new loan due to the underwriter with that bank needing the information corrected with the credit bureaus reflecting any and all payments that have been made on my VA loan. Nationstar ... you are holding back me moving forward with the purchase of my home by the buyer. 

The deadline from the buyers gave me until the end of the this month. 
The clock is ticking. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
XX/XX/2017 I OBTAIN A COPY OF MY CREDIT REPORT AND I NOTICE AGAIN XXXX XXXX XXXX CURRENTLY REPORTI

NG FOR 6 ACCOUNTS WHICH APPEARS TO BE DUPLCATE OF 4. ITS 6 ACCOUNTS 4 ARE THE SAME SHOWING THE SAME ACCOUNT NUMBERS BUT DIFFERENT OPEN DATES WITH THE SAME AMOUNT I CONTACT
ED XXXX XXXX XXXX FOR VALIDATION AND AFTER 30 DAYS I RECIEVED NOTHING I DONT BELIEVE THESE ARE MY DEBT AND SHOULD BE REMOVED IF XXXX XXXX CAN NOT PROVIDE THE PROPER INFORMATION ON THE DEBT REPORTED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 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: IN

Complaint narrative:
This is to show that XXXX XXXX that holds my current VA loan is blaming the credit bureaus with not correctly reporting all of my payments that have been made on my loan since XX/XX/XXXX. I have also attached two bureau reports, current, showing only XX/XX/XXXX and XX/XX/XXXX as reported as payments being made. I have a paper trail showing via cashed checks otherwise. I also have submitted XXXX 's payment report file that does n't not reflect accurate information on all three credit bureaus. 
I have kept in touch with the credit bureaus, in which, I was told that XXXX will need to fix the errors regarding inaccurate reporting, as well not reporting all payments that have been made on my loan since XX/XX/XXXX. Regardless, if my account is in forbearance, payments, regular mortgage payments that have been made, should still be reporting to the proper bureaus. I was told by the bureaus through numerous phone calls that the issue is not with them. They only report what is being sent by XXXX. 
This is the sixth complaint and will continue until my payments are being correctly reported to all three credit bureaus. 
As per attachments. XXXX can clearly see the issues that I have continued bringing up to them. Yet, still not being resolved. 
I was also 'suppose ' to receive a call back from a XXXX consumer advocate this afternoon and a representative from XXXX . I never received that phone call. I did leave a voicemail with XXXX. I have a buyer on my home and can not proceed ahead with a new loan due to the underwriter with that bank needing the information corrected with the credit bureaus reflecting any and all payments that have been made on my VA loan. XXXX ... you are holding back me moving forward with the purchase of my home by the buyer. 

The deadline from the buyers gave me until the end of the this month. 
The clock is ticking. 

Sincerely, 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 2017-12-13 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: IN

Complaint narrative:
This is to show that XXXX XXXX that holds my current VA loan is blaming the credit bureaus with not correctly reporting all of my payments that have been made on my loan since XX/XX/XXXX. I have also attached two bureau reports, current, showing only XX/XX/XXXX and XX/XX/XXXX as reported as payments being made. I have a paper trail showing via cashed checks otherwise. I also have submitted XXXX 's payment report file that does n't not reflect accurate information on all three credit bureaus. 
I have kept in touch with the credit bureaus, in which, I was told that XXXX will need to fix the errors regarding inaccurate reporting, as well not reporting all payments that have been made on my loan since XX/XX/XXXX. Regardless, if my account is in forbearance, payments, regular mortgage payments that have been made, should still be reporting to the proper bureaus. I was told by the bureaus through numerous phone calls that the issue is not with them. They only report what is being sent by XXXX. 
This is the sixth complaint and will continue until my payments are being correctly reported to all three credit bureaus. 
As per attachments. XXXX can clearly see the issues that I have continued bringing up to them. Yet, still not being resolved. 
I was also 'suppose ' to receive a call back from a XXXX consumer advocate this afternoon and a representative from XXXX . I never received that phone call. I did leave a voicemail with XXXX. I have a buyer on my home and can not proceed ahead with a new loan due to the underwriter with that bank needing the information corrected with the credit bureaus reflecting any and all payments that have been made on my VA loan. XXXX ... you are holding back me moving forward with the purchase of my home by the buyer. 

The deadline from the buyers gave me until the end of the this month. 
The clock is ticking. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 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: IN

Complaint narrative:
This is to show that XXXX XXXX that holds my current VA loan is blaming the credit bureaus with not correctly reporting all of my payments that have been made on my loan since XX/XX/XXXX. I have also attached two bureau reports, current, showing only XX/XX/XXXX and XX/XX/XXXX as reported as payments being made. I have a paper trail showing via cashed checks otherwise. I also have submitted XXXX 's payment report file that does n't not reflect accurate information on all three credit bureaus. 
I have kept in touch with the credit bureaus, in which, I was told that XXXX will need to fix the errors regarding inaccurate reporting, as well not reporting all payments that have been made on my loan since XX/XX/XXXX. Regardless, if my account is in forbearance, payments, regular mortgage payments that have been made, should still be reporting to the proper bureaus. I was told by the bureaus through numerous phone calls that the issue is not with them. They only report what is being sent by XXXX. 
This is the sixth complaint and will continue until my payments are being correctly reported to all three credit bureaus. 
As per attachments. XXXX can clearly see the issues that I have continued bringing up to them. Yet, still not being resolved. 
I was also 'suppose ' to receive a call back from a XXXX consumer advocate this afternoon and a representative from XXXX . I never received that phone call. I did leave a voicemail with XXXX. I have a buyer on my home and can not proceed ahead with a new loan due to the underwriter with that bank needing the information corrected with the credit bureaus reflecting any and all payments that have been made on my VA loan. XXXX ... you are holding back me moving forward with the purchase of my home by the buyer. 

The deadline from the buyers gave me until the end of the this month. 
The clock is ticking. 

Sincerely, 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 2017-12-13 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: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
I leased a Hyundai in XXXX and made every payment on time. I leased another Hyundai, in the summer of XXXX and turned in the XXXX car. As part of the deal, my last few payments on the XXXX vehicle were to be paid by the Hyundai dealer. Apparently, the payoff funds were applied to the new vehicle, instead of the old vehicle. I have no idea if the Hyundai dealer or the XXXX XXXX XXXX made the error. I began making payments on the new car and, still today, make my monthly payment on time. 

My credit score took a major hit as 3 payments on the old car erroneously appeared as past due. After much legwork, that I was required to do between the dealer and the finance company ( they would n't do any research, saying it was my problem to resolve ) the finance company agreed that the payoff funds had been received when due and they agreed to remove the late payments from my account. Several weeks later, my score returned to normal. 

Later in XXXX, one of the late payments appeared again ( on the old account ) and I filed a dispute with XXXX. A few weeks later I received a notice stating that the information was correct ... .and I then noticed that all 3 late payments were on the XXXX report. 

After many phone calls, I was finality able to convince XXXX XXXX that the late payments should be removed again, and I assumed this finally solved the problem. 

In the spring of XXXX, I received another notice ( from XXXX XXXX ) that my score had dropped. All 3 late payments were again on my report. Removing the errors took even more phone calls, as I was repeatedly told the data was correct and that XXXX was to blame. I finally reached a reasonable person at XXXX XXXX who saw the full history and actually apologized. I appreciated her help, but stated that I was very concerned with the apparent lack of controls that would prevent this problem from happening again. Knowing that if they did n't correct the source data in their system ( s ), a repeat posting of this data was certainly possible. Unfortunately all this lady could do was correct the data already sent to XXXX. 

Today,XX/XX/XXXX I received yet another notice that three XXXX payments were now showing as late ... ... ... 

XXXX XXXX is n't open in the evening ... but I will call them again in the morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XXXX XXXX I was locked out of my Coinbase account due to changing phones. I sent in all of the necessary paperwork on that. It 's been almost two weeks and I have n't heard a peep from them. I have over $ 50k in the account and ca n't access it nor do I have an update from them at all. I 've sent emails repeatedly, tried calling to no avail, sent messages to their support on XXXX and XXXX to no response. They 've done nothing and have told me nothing while they are holding my money and not letting me sell or get my money off the platform. I do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XX/XX/XXXX i received a notification from XXXX XXXX that my credit score changed I opened the app and noticed XXXX XXXX XXXX XXXX had ran my credit profile without my authorization.. 
Now again in XX/XX/XXXX I received another notification that my credit score changed. And once again I opened the app and noticed XXXX XXXX XXXX XXXX had ran my credit profile without my authorization or knowledge again. .. 
Please investagate this breach and missy of the credit bureau ... and I want to file chargers against XXXX XXXX XXXX XXXX.. 
I will be will to start a class action lawsuit against XXXX. I know this is more likely normal bad buisness practice for them I see a pattern of abuse ...

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