vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
My insurance and taxes are included in my monthly payment. They are refusing to pay the insurance premium from my escrow account. It's a rental and a fire policy only is required since liability is on my primary home which I pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: CITIBANK, N.A.
State: TN

Complaint narrative:
Old Case # XXXX No one can validate this XXXX XXXX account - no signatures, no ID 's, not tracking numbers, no. They are supposed to keep these on file, but instead the only sent me unsigned receipts for purchases in the state of Florida. That is not validation! They are also reporting the account late and with a balance. How can this be legal.

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 2018-05-01 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Unverified late payments listed on my Wells Fargo Student loan - I was still in school and payments should have been deferred but the loan was sold. I was not late! I was in school!!

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 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I accessed my Experian credit report on XXXX XXXX 2018, around XXXX XXXX EST. I was offered the chance to purchase XXXX and XXXX report as well, for XXXX. When I tried to print out a copy of the report, I received the following message : XXXX XXXX XXXX. The service is unavailable.

I called the company at XXXX XXXX and spoke with a representative. I asked the representative to please refund my money as I could not print the reports. The representative was rude, refused to refund my money saying that " you had agreed to the terms when you agreed to pay. '' I asked to speak with a supervisor, the representative instead hung up on me. When I tried to call back, the recording said the company was closed.

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 monetary relief
Consumer complaint received 2018-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Unverified late payments listed on my XXXX XXXX Student loan - I was still in school and payments should have been deferred but the loan was sold. I was not late! I was in school!!

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 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Unverified late payments listed on my XXXX XXXX Student loan - I was still in school and payments should have been deferred but the loan was sold. I was not late! I was in school!!

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 2018-05-01 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: Prosper Marketplace, Inc.
State: TN

Complaint narrative:
Prosper says they say the sold a loan under my name in XX/XX/XXXX and then transferred inXX/XX/XXXX to XXXX XXXX, and now it is in house under one of them as they own both companies. Prosper has not sent any loan docs with my signature, the ID they would have been required to obtain, and seems nearly clueless when I call them. Yet, someone inside the company has no problem changing and account they are reporting to my credit profile every month but can not physically verify that it was ME who signed up for their program. HUGE lawsuit coming if they don't fix.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
I have XXXX US dollars frozen on my Pay Pal account. They refuse to release those founds to me sinceXX/XX/2018 They claim that this money belongs to me, but they will not transfer that money to my bank account. 

Account is linked to email address : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
BBVA Compass had a checking account sign up promotion for {$200.00} ( " XXXX XXXX XXXX XXXX XXXX '' promotion ). The terms stated the following requirements : 1. Must have a direct deposit within 60 days of opening the account from an unrelated 3rd party company ( employer or a government agency ) in the amount of at least {$300.00} to post into the new checking account.

2. The account must have been opened between the dates of XX/XX/XXXXto XX/XX/XXXX.

3. You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 90 days or closed due to negative balance to be eligible for the bonus.

I applied for the account onXX/XX/XXXX, however the account was not opened until XX/XX/XXXX, 12 days later. They claimed that because the account open date was after the promotion date, I did not satisfy the second requirement above. I have confirmed with BBVA that I satisfied the first and third requirements.

I want to note that the language in the promotion did not clearly distinguish " applied '' versus " opened ''. I applied within the promotion eligibility period, but I did not expect the account to take a whole 12 days to be approved. If approval takes 12 days, based on that interpretation of the rules, in order make it in before the XX/XX/XXXXend date of the promotion, I'd really have to apply no later than XX/XX/XXXX ( 2 days after the promotion began ). Even so, what's to prevent BBVA from taking even longer to approve accounts, thus rendering the promotion meaningless. The " account opened '' eligibility was not clearly defined. I feel that this is a bait and switch and am deeply disappointed. I would not have applied and opened the account had I known their interpretation of the rules.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The small bank has reported an " overdraft installment loan '' to my credit report late every month since XX/XX/2014. I told CFPB and they said they sent to branch that over sees credit union 's but I never heard back. Additionally I told the big 3 credit bureaus that I never had an overdraft agreement with that bank, or an installment loan. I lived in another state ( Virginia ) and received no communication from XXXX   after we moved and the account was closed. Additionally I called them today, and they said the account was sold to a 3rd party and they had no control over the 3rd party and couldn't even speak to me about the balance or any loan documents. It is a real shame that no one can provide documents or help to fix this error. One last shot trying to contact everyone before attorneys get involved - I'm sure there are many consumer laws being broken. Please someone 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 2018-05-01 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: TN

Complaint narrative:
The small bank has reported an " overdraft installment loan '' to my credit report late every month since 2014. I told CFPB and they said they sent to branch that over sees credit union 's but I never heard back. Additionally I told the big 3 credit bureaus that I never had an overdraft agreement with that bank, or an installment loan. I lived in another state ( Virginia ) and received no communication from XXXX   after we moved and the account was closed. Additionally I called them today, and they said the account was sold to a 3rd party and they had no control over the 3rd party and couldn't even speak to me about the balance or any loan documents. It is a real shame that no one can provide documents or help to fix this error. One last shot trying to contact everyone before attorneys get involved - I'm sure there are many consumer laws being broken. Please someone help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Payments are showing as late from the period when I was in school - this account has also been paid in full years ago but for some reason is showing as late while I was attending school.

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 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Payments are showing as late from the period when I was in school - this account has also been paid in full years ago but for some reason is showing as late while I was attending school.

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 2018-05-01 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: AES/PHEAA
State: TN

Complaint narrative:
I have three XXXX accounts that were paid in full - but are reporting as late in XX/XX/XXXX/XX/XX/XXXX when I was in school.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
In XX/XX/XXXX, I received a promotion from XXXX  for XXXX flight miles when approved for a Gold AMEX card. I applied and was approved. I immediately saw that I was congratulated with the wrong promotion ( XXXX  ). I emailed, but the company never replied. In a month, I've spent the needed {$1000.00} to receive the miles and was awarded XXXX  instead of XXXX. I called XXXX  and they said that the case would take 6 weeks. After 6 weeks passed, I called again and was assured that it would be taken care of in one more week. It has now been two months with out a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have three XXXX accounts that were paid in full - but are reporting as late in XX/XX/XXXX/XX/XX/XXXX when I was in school.

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 2018-05-01 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: TN

Complaint narrative:
I have three XXXX accounts that were paid in full - but are reporting as late in XX/XX/XXXX/XX/XX/XXXX when I was in school.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have three XXXX accounts that were paid in full - but are reporting as late in XX/XX/XXXX/XX/XX/XXXXwhen I was in school.

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 2018-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase.com has closed account without reason and locked funds.

I have an account in good standing but Coinbase decided to close it and lock my funds. Several thousand dollars. I know it was silly to trust Coinbase in the first place with a large sum of money. Every time I contact support about the issue I am fed the same auto response. This has gone on for months now and I am not sure where to complain to about this shady company.

Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update.

Please let me know if the matter develops further as we investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen has been reporting my mortgage late in error. Disputes were submitted through the credit bureau 's for correction of payment histroy. XXXX  updated payment history for myself correctly, however, Ocwen is still reporting erroneous late payments to my XXXX  report and also on my wife 's XXXX  and XXXX  credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This investigation has now been well over 30 days to determine is there was late payments. The credit bureau will not validate late payments - it's been over 30 days and still no documents that show my payments were ever late. Isn't this illegal?

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 2018-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I purchased a vehicle XX/XX/XXXX. I traded in a Traverse and purchased a Honda Civic. My payment for the traverse was due XX/XX/XXXX. I asked the dealership if I would still be liable for the payment of the XXXX  and they said if I was worried inshoudl call XXXX, that my loan was through, and cancel my payment. I did not cancel the payment because I didnt wasnt my credit affected negatively. I called XXXX XXXX  in XXXX  Ca on XX/XX/XXXX to inquire about my first payment dueXX/XX/XXXX for the Honda and left multiple messages, never getting a call back. On Saturday XX/XX/XXXX XXXX took another payment for my Traverse that I traded in. I finally got someone to answer my call on Saturday, they said theyd speak to their manager on Monday XX/XX/XXXX. At XXXX XXXX I drove the hour away to make my payment to the dealership because I have no other information as to where to make the payment. The dealership said Im out the interest that Ive paid on the traverse even though I gave it to them on XX/XX/XXXX. I cancelled the insurance on the traverse and as far as the DMV is concerned I still own the Traverse, my drivers license could be suspended because it doesnt have insurance. The dealership did not process my contract until XX/XX/XXXX according to them. How can they wait 45 days and make me pay 3 car payments for 2 cars? 1 I dont own?? I cant add a loan number or account number because I still havent received any paperwork stating I own the car!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This investigation has now been well over 30 days to determine is there was late payments. The credit bureau will not validate late payments - it's been over 30 days and still no documents that show my payments were ever late. Isn't this illegal?

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 2018-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion flagged my account with " XXXXSerious Delinquency '', when I do not have any accounts late and never had. 

Credit Report from TransUnion shows all payments paid on time and none ever late, but in spite of it my account has a " serious Delinquency '' flag.

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 2018-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
OCWEN Loan Servicing regularly diverts one of our monthly payment each year aroundXX/XX/XXXXXX/XX/XXXX /XX/XX/XXXX,  towards our Loan Principal and then levies late fees and foreclosure warnings. Although the payments are separated by a month approximately, they pretend that we have made more than one payment in a month, for example a payment made on XX/XX/XXXX and XX/XX/XXXX and then divert one payment towards the loan principal of our loan and then claim that we did not make that month 's payment and charge almost $ 100/- each month. After two months they send you a foreclosure notice. And once you follow up, they reverse the payment, but do not give back your late payment penalty.

This way they get to keep {$100.00} to {$200.00} dollars from the customers towards " Late Payment penalty '', while pretending to not received a monthly payment or received an " EARLY '' payment.

Company response to consumer: Closed with explanation