vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I saw a missed call on my work phone. I called back it was a company called Diversified Consultants. I was told they we're calling in reference to a XXXX bill. I 1st asked the rep to remove my work number and she continued to talk about the bill that was XXXX. I informed her that I worked for XXXX years ago and had free cable and to please remove my work number again. Then on XX/XX/XXXX I get another call from a rep from their company name XXXX. I asked to call back I called back and spoke to XXXX XXXX, I informed her that I spoke with them and asked the last time to remove my work number. She stated the rep claimed she didn't have a chance to verify which number to remove. That's not true because I repeated the work number to be removed and never called. She continue to talk about the bill. I do not owe. I told XXXX this is a violation of debt practices. XXXX said she would open a dispute and remove my work number. However, the number should have been removed the 1st time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Good morning, I'm writing to you for the second time now, in the hopes that you will be able to assist me with Chase. 2 years ago my wife became Gravely ill and it ate up all of our savings. She's better now and we've been able to get a hold of our finances. I've been trying for more than a year now, to modify my loan with Chase and have been declined four times. 

I've attached my income and expenses and you'll see that I have more than enough disposable income, to warrant a modification. However, Chase is NOW claiming that because this is a USDA Farm loan, my wife 's SSI income is not allowed to be considered part of our household income. This is ridiculous! 

Her income has always been part of our household income and it's the reason why we were able to get back on our feet. 

This file has been escalated to the office of the chairman at Chase. And, as of recent, I've been dealing with XXXX XXXX - XXXX XXXX Please assist with this!! I haven't been able to find anybody at the USDA Farm loan programmed to give me a straight answer on this - I strongly feel that it's simply Chase trying to muddy the waters and grab land.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: IL

Complaint narrative:
On XX/XX/ I purchased {$180.00} worth of Litecoin cryptocurrency with my XXXX XXXX. 
On XX/XX/ I recieved an email from Coinbase stating that payment for my Litecoin order was reversed by my card issuer. 
On XX/XX/ Coinbase restricted access to my XXXX  account with {$3300.00} of my funds locked in the account. I contacted Coinbase customer support about this issue via email and received a reply stating that my case has been " escalated '' and their " subject experts '' will be completing a review of my purchasing power. 
It is now XX/XX/XXXXthere is still no resolution and I have contacted Coinbase customer support three times and have not gotten a response about my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In XXXX had a financial problem, because of the decline in the economy I was not able to collect my income from my job. Over {$70000.00}. was owed to me and I could not collect it. 
I tried to pay whatever I could on my mortgage. They returned the payments that I made to me and put me in foreclosure. I hired two different attorneys to help me and have paid over {$6500.00}. plus {$1200.00} to the Trustee on a Bankruptcy that was incorrect. 
I now have a sale date on my home for XX/XX/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 non-monetary relief
Consumer complaint received 2018-03-06 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: FL

Complaint narrative:
In XX/XX/XXXX the credit bureaus adopted a new policy : tax liens and judgments will be removed from credit reports if they do not include the proper information identifying them to the individual. 

On XX/XX/XXXX I sent a letter to all three credit bureaus requesting that the following judgement be removed from my credit report due to the adopted new policy. 

XXXX XXXX Account # XXXX TransUnion XXXX the judgement and then added XXXX XXXX to my credit report as a collections account. According to Florida State Statute 95.11 ( a ) ( b ), a debt is no longer legally collectible after five years, thus making this debt no longer legally collectible. 

In XX/XX/XXXX, I was denied credit and requested a free copy of my credit report from all three credit bureaus. 

In XX/XX/XXXX, I received my free TransUnion credit report. I mailed a certified letter to dispute the XXXX XXXX collections and several other accounts that are listed on my credit report. 

XX/XX/XXXX, I received the results of TransUnions investigation. TransUnion stated that XXXX XXXX was Verified as Accurate and Updated. When I received my updated FICO score in XX/XX/XXXX, I noticed a 21 point drop in my FICO score. When I inquired as to why there was a significant drop in my score, the report states Presence of serious delinquency and public record or collection. 

Prior to me disputing the accounts on my credit report. My FICO score history was as follows : XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  According to the free TransUnion report I received in XX/XX/XXXX, Portfolio Recovery was showing on my credit report as a collections account and my score at said time was XXXX. However, after I disputed the XXXX XXXX my score dropped 21 points because of the presence of serious delinquency and public record or collection account appearing on my credit report. 

This leads me to believe that when TransUnion verified and updated my credit report, they reported the debt as new, which is called re-aging. This being the reason why my FICO score dropped 21 points. 

A creditor or collection agency that deliberately changes the date of a debt for the purposes of making it show up on my credit history or appear to be within the statue of limitations is breaking the law. 


Uploaded : Letter of Dispute XX/XX/XXXX credit report XX/XX/XXXX credit report XXXX FICO score report TransUnion XXXX FICO score report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This company has inaccurately been reporting their address on my credit file I have sent a numerous amount of letters over to the company and they have all been returned. Reporting anything inaccurately on a credit report is a violation of FCRA! they have provided a false address to reach them. Also, the account number on my account is reporting inaccurately I am not familiar with it. It also says this debt has been charged off which means this contract was cancelled there is no contract!

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 2018-03-06 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: GA

Complaint narrative:
Never Authorized credit inquires ( Not associated with an open account ) Identity Theft Victim!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Business Corporation
State: AL

Complaint narrative:
I lost my job two years ago and took advantage of the Alabama Hardest HIt program where they will pay your mortgage for one year. I was assured in a three-way phone conversation by both Hardest Hit Alabama rep and SWBC rep who works with these types of programs that this would not negatively effect my credit. I was concerned when i first went through the application payment because the end of the month would come and they hadn't paid it so I would pay it to keep it current and they told me to stop paying it, late payments under these programs would not be reported to my credit. This fall, the Hardest Hit program made three late payments, I believe on over 60 days late and two over 30 days late. This was reported on my credit and now my score has dropped drastically and I am having my credit card companies cancel cards on me. I filed a dispute with the credit agency, who told me I had to also file one with the mortgage company, which I did via a letter and also email. I received a letter from them last week assuring me it was under investigation. Yesterday, XX/XX/XXXX, I received a second letter from SWBC stating that the found the information to be accurate and are not going to fix this. This puts me in great jeopardy as I have started a business and my money is tied up and until it becomes liquid, I am dependent on credit cards - which I have always made my payments to all of them, mortgage included ON TIME!!! Please help me! I'm going under! My retirement is at stake here! Please help!!!

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 2018-03-06 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: DE

Complaint narrative:
There were 2 items placed on my cbr that are not mine. I share the same name as my mother who recently filed a chapter XXXX bankruptsy so I believe these creditors put her information on my cbr out of frustration. I verified with my mother that these items also showed on her cbr.. And she advised they did. And they both show as a chapter XXXX bk. I disputed the items XXXX XXXX XXXX and XXXX XXXX and advised them. Of this information. The dispute results finally came back and experian advised that they were both updated.. They remained ... So I called experian and the rep could not tell me anything about the dispute. I know for certain tht these are my mothers so I asked what kind of proof did they provide validating that these debts were mine? Rep advised they did not and do not need to provide proof and that they just notified them stating debt was mine. I find that absurd. The representative then said he did not show the XXXX XXXX dispute and that it was never disputed. I was appalled and advised him that I had received emails from them advising of the disputed items being completed and that i also had the email confirmations whsn i first placed the items in dispute. The rep then miraculously saw that XXXX XXXX was disputes..but told me it was. Still showing on my cbr And that there were no notes so that must mean that they verified the debt. Could not tell me a thing concerning that dispute and had no proof or notes and yet they have decided that these 2 debts that are not mine and are already being reported to someone elses cbr as well are to remain. I find this unjust and plan on taking legal action if need be. Asked rep for supervisor, he advised they would tell me the same thing..placed me on hold for over 30 mins and never returned when I decided to end call.

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 2018-03-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX I filed the following complaint on-line with the Office of the Comptroller which acknowledged receipt, assigned a case number ( XXXX ) and then mailed me a letter, dated XX/XX/XXXX, saying our case would be under the jurisdiction of the CFPB. They were " forwarding '' it. I now am told you have no record of this. Thus, I am resubmitting on your form the exact information I sent them : In late XX/XX/XXXX, we began the process of getting information on reverting our current line of credit 2nd mortgage back to interest-only. Our experience at our local Bank of America branch was alarming -- with extremely incompetent help. We contacted XXXX XXXX, Wealth management Retail Sales Manager and Sales Manager, as his name and phone number were on the documents we received. He apologized and asked us to " start over, '' that he would handle it personally. He came to our house on XX/XX/XXXX. After giving us information we all agreed that the best choice was just as we wanted ... to go back to an interest only home equity line of credit. My notes show he said we could have an interest-only home equity loan as long as we kept it for 3 years. He initiated the process. It took Bank of America until late XX/XX/XXXXto finally get the loan processed even though we have a checking account, first mortgage and the 2nd mortgage with them. Suffice it to say we have gotten numerous alarming and confusing mailings and phone calls asking for information, only to be followed with someone telling us the information requested is not really needed. Late XX/XX/XXXXwe got a call to schedule settlement. Details such as final interest rate were shared, including our payments. These were P + I payments. I explained that we were getting an interest only loan. I was told by the caller, XXXX XXXX of the closing department, that Bank of America dpes NOT even offer an interest-only loan any longer! We were shocked and dismayed. We feel this is an obvious bait and switch, with us investing time and energy in a process only to find they never were giving us what was promised. We are extremely concerned with this level of deception and want it investigated in the hopes of preventing other consumers from experiencing 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 2018-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST HOME MORTGAGE CORPORATION
State: MD

Complaint narrative:
I am writing this letter to inform you of, what seems to me, to be a lending practice that discriminates against women by requiring additional documentation from female loan applicants. I have cancelled my transaction with the lender but felt it was important to report this practice as it may affect others in the future. 

I was attempting to refinance my home to consolidate my first and second loans, benefit from a lower interest rate and take some additional cash out to pay off a student loan and do home improvements. I have plenty of income, tons of equity in my house and significant other assets and net worth. I spoke with a loan officer and did not foresee any issues. After massive amounts of documentation was provided, the lender then requested I send copies of my separation agreements from two long dissolved marriages so they could be assured that I didnt have any obligations to my ex-husbands that they needed to know about. The first separation agreement was entered in XXXX, several years before I purchased, as a divorced woman, the property in question. 

Here is a little background. I purchased my house as the sole owner in XXXX and have been the only owner and borrower ever since. I have never owned this home with another person nor has any other person been a borrower or co-signer on the loan. I have refinanced it once and taken out a home equity loan since I purchased it. Never have I been asked for this documentation. In fact, never have I been asked for this documentation for any reason ever. It is simply not relevant. 

As part of the transaction, I was also adding my current husband to the deed and the two of us were co-borrowers. No such request for this type of information was made of my husband. In fact, it was never asked if he had been married before or had any contractual agreements with any individuals. When I questioned the lender about it, I was told my name change triggered this request. That is clearly discriminatory as in the overwhelming majority of cases, it is only women who change their name due to marriage. This practice puts an unfair burden on women to prove they dont have any lingering obligations to past spouses and does not require the same of men. 

I have not faced this sort of blatant discrimination since the time I attempted to purchase a car in XX/XX/XXXXwithout my husband present. My experience has been these archaic practices toward women and marriage ended long ago and I was quite surprised to find it rear its ugly head in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: GA

Complaint narrative:
Never Authorized credit inquires ( Not associated with an open account ) Identity Theft Victim!!!!

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 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX I provided equifax with a police report with fraudulent/identity theft account which was open with my personal information, after the first investigation equifax failed to do there due diligent, and they still left two of the accounts on my credit report, this fraudulent accounts are XXXX  XXXX XXXX and XXXX XXXX, equifax failed to provide me with information on how the dispute was conducted and information XXXX XXXX XXXX and XXXX XXXX provided such as a physical signed agreement or drivers license that was provided when these accounts was open but could not done so, but instead I was told that the only information that was provide to equifax was word of mouth, I filed a complaint two months ago and equifax stated that they was going to reinvestigate the accounts but never did. all I need is for XXXX  XXXX XXXX and XXXX XXXX and equifax to provide information such as physically signed agreement and copy of drivers license when these account was open. and if they do, the information would not belong to me because I never open those accounts with those creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ACOPIA CAPITAL GROUP
State: TN

Complaint narrative:
Broker misled me and lender with lack of supporting documents filed in a timely manner. 

Delays in approval process, closing disclosure, and final clear To close. 

I had to pay builder {$90.00} per day due to his delays. 

The entire process was handled poorly, bad communication, errors at closing table, etc ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Approximately 10 years ago I helped a family member secure the mortgage on her property in XXXX XXXX, Fla. The original Bank was XXXX and is now Wells Fargo. I was to be a " back-up '' instead the mortgage is now on my property here in XXXX and she refuses to pay when she promised she would, to the tune of {$240000.00}. The Bank sent her the check and she signed my name. They have conveniently, misplaced the check. They said the time limit was up. My complaint is that they are refusing to give me a modification. I would like to know why. I am a senior citizen, and at this rate I am having a difficult time paying down the principal. The interest payment alone is {$900.00}. every month. Can you help me. Thank You 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 2018-03-06 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: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX filed a judgement for none payment in XX/XX/XXXX. In XX/XX/XXXX I was asked to pay {$340.00} on XX/XX/XXXX, and {$160.00} every month beginning XX/XX/XXXX. I made the payment XX/XX/XXXX and every month after. After viewing my credit report I noticed my account reporting late for the month of XXXX, XXXX, and XXXX. There policy is a {$10.00} late fee and I was never charged a late fee any of the months mentioned above. I could not resolve the problem so I since payed off the account to avoid any future reporting of late payments.

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