vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Machol & Johannes, LLC
State: OR

Complaint narrative:
On XX/XX/XXXX a Lawsuit was filed against me by XXXX , XXXX as the " successor-in-interest to the original creditor, XXXX. Represented by XXXX XXXX XXXX : Attorney XXXX XXXX. 
The lawsuit was for a " Prayer Amount : {$760.00} '' The Summons and court filing was my first awareness of either company. 

After months of paperwork filings and court proceedings ( which I have copies of it all ) a ruling was presented : " The court entered a Judgement - General Dismissal on XX/XX/XXXX in the court register. '' This credit reporting needs to be removed from my credit report. As of XX/XX/XXXX they are still reporting this account. 
In the mean time a new Attorneys Office Machol & Johannes has been contacting me regarding the same account claims from XXXX , XXXX. So, even after the lawsuit and judgement XXXX XXXX has sent a new attorney to harass me for the same case. 

In calling XXXX ( the reported original creditor ) to get this removed from my credit report following the court ruling, I was informed that they where not responsible for the information any more and to call the debt collector who purchased the account from them, XXXX XXXX. 
XXXX XXXX does not respond to the information and claims that The XXXX XXXX XXXX is who to talk to, and they are unresponsive. 
In calling Machol & Johannes they are still harassing me for the same case that the court closed. 

I have been getting the run around and passed off by every person ( company ) involved in the situation. I would like for this information to be removed form my credit report as it has been closed by the Circuit Court, ruled in my favor, and all of my attempts at communication have been overlooked or passed on to someone else. 
The claim/account does not have any validity and can not legally keep getting passed to different law firms regarding the same claims. No validating information was ever presented by XXXX XXXX, XXXX, The XXXX XXXX XXXX : Attorney XXXX XXXX or Machol & Johannes, hence the court ruling in my favor. A court ruling has been decided as " Dismissed '' and all parties need to adhere to the ruling.

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 2018-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Signed up for {$4.00} trial membership, cancelled before the trial was over. 29 days later I have been billed {$14.00}. Hold times to cancel by phone are over 90 minutes.

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 2018-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch
State: IL

Complaint narrative:
Currently, our home is in the final stages of foreclosure and our repeated attempts to modify our loan have been denied by XXXX and the investor that bought the loan from XXXX XXXX. We request your help in obtaining a modification of our mortgage. 

The beginning of XX/XX/XXXX my wife lost her job and our household was suddenly without an income as we were both unemployed. We were able to remain current with our mortgage for a couple of months and received temporary relief from our current mortgagor, XXXX XXXX, under the HAMP program. Our mortgage was dramatically reduced for a period of 6 months to provided time to find another job. At the end of the six months the difference between the reduced payments and the full payment as instantly due. Since neither of us had a job yet, a modification was not feasible and shortly thereafter XXXX filed a foreclosure action. 
In XX/XX/XXXX XXXX sold the loan to XXXX XXXX XXXX XXXX XXXX d/b/a XXXX XXXX. The loan was serviced by XXXX XXXX. 

In XX/XX/XXXX we filed for a loan modification and was denied because our loan to value at 21.35 % was too low. It is true that the loan to value for the XXXX loan is only 21.35 % but the overall loan to value of the combined first ( XXXX ) and second ( XXXX XXXX ) mortgages is much higher. 

The principal, interest and real-estate taxes and fees due XXXX currently amount to {$170000.00} and the amount due the XXXX is currently {$460000.00}. The total due of {$630000.00} is 112.5 % of the appraised value of {$560000.00}. The existence of the XXXX loan makes it impossible for us to refinance the first with any lender because of a combination of loan to value and a low credit score.  XXXX refuses to take into account the second loan in determining loan to value of the property. 

In XX/XX/XXXX my wife obtained a job that pays {$170000.00} per year plus a 30 % bonus. This income alone can service both loans if we were able to modify both loans. XXXX XXXX has indicated that they are willing to modify but that we need to get the first modified first. 

We are looking for any help we can get to get XXXX to modify our loan so we can stay in our home of 24 years and get back in track financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Cancelled monthly monitoring services with Experian at XXXX XXXX  on XX/XX/2017. Since that period, Experian has continued to charge my Debit Card {$24.00} every month. The debit card is only given enough money to cover specific monthly expenses. Because they keep charging me, my account keeps getting charged overdraft fees. Each time I try to call Experian, my average " hold time '' is an hour and 45 minutes.

They continue to keep attempting to charge my debit card and I have had to cancel the bank account to avoid continuing charges.

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 2018-02-28 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: TX

Complaint narrative:
Filed a dispute with TransUnion in XX/XX/2017, it still shows " in progress ''. They have not communicated with me any information. the File identification number for the dispute is 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 2018-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Social Finance, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an alert that a 30-day late payment was reported on my SoFi account. 

The 30-day late payment is inaccurate. I made an online payment on XX/XX/XXXX for the amount of {$1600.00}. I spoke to one of the customer service representatives and was told that although I made the payment on XX/XX/XXXX, the credit did not post until XX/XX/XXXX. I requested to have this corrected, and honor the actual payment date and not the posting date.

He suggested I email customer service.

I did, and was told to call in. I called in on XX/XX/XXXX, and I told another customer service representative what happened. She said that she can only see the posting date. I said that is inaccurate information and I need to speak to someone in the credit reporting department. She said I should send in a letter. I said I need to speak to someone and this was over my 5th attempt to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2018-02-28 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2018-02-28 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I purchased this vehicle at a desperate time. Santander approved the loan which was considered a bad loan ( See XXXX million settlement information for Massachusetts ). I got to a point where i could no longer pay for the very high vehicle payment ( {$550.00} ) interest rate of 21 %. The vehicle got repossed two times. i will include why they violated all of my rights and didnt follow the law. 

1. When i was late on the payment they were very aggressive on the phone with me and threatened me with repossession and yelled at me. 

2. called my employer, requested a supervisor and told my supervisor i was late on my car payment and that i needed to make a payment. Gave him details of my account. days i was late and amounts. 

3. I didnt receive notices prior and right before the repossession.

4. the car was repossessed from my long shared driveway. my car was all the way at the end of the driveway. it is shared by 2 houses with one of them being condominiums and owned by 4 owners. Not in a public way and didnt get permission from anyone to go in the driveway. This is against the law. 

5. on the repossession mentioned above. it was conducted at XXXX. I only know this because the repo man knocked on my door, rang the bell and woke me up. totally disturbed my peace and my neighbors who all woke up. He showed me the order from santander for repossession. 

6. I received the vehicle after paying crazy fees. when the vehicle was taken it was damaged and also involved in a hit and run. i got a check from the insurance to repair it. 

7. i continued to struggles with backed up payments. the repair check was sent to santander. i called and told them i planned to return the vehicle but wanted it fixed first prior to selling it at auction. 

8. I took the vehicle to an autobody shop. he could not get the check from santander who refuse to release it. Eventhough the check was from my car insurance that i paid for and had every right of the check. 

9. Santander once again violated more rules and repossessed the vehicle from the auto body shop. talked to the owner and he said they never released the check and they showed up in the morning and took the vehicle. 

10. the car was never repaired as requested by the insurance. the vehicle was sold at auction damaged and i never received any notice of the sale or anything. the insurance check is still unknown what happened to it. they cashed it? spend it on gifts? i dont know. 

11. Santander is still haunting me. i cant purchase a home for my family and live in a tiny apartment because they destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: FL

Complaint narrative:
I have found 16 credit inquires that I did not authorize. I need this reported so that my credit score returns to the true score.

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 2018-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I had invested a total of XXXX USD with Coinbase. Everything was good until about a month ago when I had some problems with my laptop. Among other information, I lost the authenticator app and the secret key for my account. That meant that I would have to be reauthorized by Coinbase.

So, I entered my username and password. Then I entered my cell number and they sent me a verification code. After I entered the code, I was prompted to either show an ID to my webcam or upload an ID. I chose to upload pictures of the front and back of my driver license. Then I was prompted to use my webcam to take a picture of myself. I did this and within about a minute or so, it came back with unable to verify.

I sent an email to Coinbase support which stated this problem. What transpired after this can be understood in a series of email replies back and forth, which I will include with this complaint. The bottom line is that at this point I almost feel as if I have lost the money I invested, because they now have been unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I submitted a letter of validation to Equifax XX/XX/XXXX asking them to validate the debt from XXXX XXXX XXXX   XXXX and between XX/XX/XXXX and XX/XX/XXXX it was removed from my credit report. I recently checked my reports to see if a status was updated for my credit card and I noticed that XXXX XXXX XXXX XXXX  was back on my report. I did not receive anything from anyone stating that pertains to an update and I know that it is a violation the FCRA 623 ( a ) ( 8 ) ( D ) that I should have been notified in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: WA

Complaint narrative:
Hello, I would like to file a complaint against Diversified Consultants. They have called and spoken to my husband and myself multiple times per day this week ( at least 5 ).

They called last night and lied to my husband saying that they had already spoken to me ( which they did not ).

They called me today and said that my husband agreed to pay last night but they needed to talk to me for payment ( he never agreed to pay, nor did I ). She also got very belligerent, yelling at me and continued to lie to me about their conversation last night ( which I Was present for ).

I told her that they need to stop calling me and my husband and they need to talk to my attorney, she hung up on me then promptly called my husband to attempt to collect from him again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-28 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: AR

Complaint narrative:
My complaint is against the credit agencies, Equifax and XXXX. I have attempted on several occasions disputing an account on my credit reports that is reporting inaccurately. According to the Fair credit reporting act any debt collector that is reporting anything on my credit report has to be reporting 100 % accurately. Secondly, XXXX XXXX XXXX failed to provide me with proper verification of the account, per section 611 5a of the FCRA any accounts that can not be verified within 30 days should be deleted. I have also reached out to XXXX XXXX XXXX and they failed to provide me with an accurate validation of the account. I am entitled by law to obtain the following from the collector before I'm obligated to pay them anything. 1. Identity of the original creditor. 2. A complete payment history. 3. Documentation that any collection fees were added pursuant to the original lending agreement. 4. A copy of the original agreement between myself and the original creditor which clearly delineates my acceptance to contract and financial obligation to them. 5. A copy the agreement between you and the original creditor showing you are legally the owner of the debt, have received a proper assignment, and lawfully entitled to collect monies on this account. 6. A verification or copy of any judgment, if applicable. 7. Proof that the Statute of Limitations has not expired on this account. 8. Proof that you are licensed to collect in my state. They are in full violation of the fair debt collection practices act including but not limited to section 807-8 and section 623-b. I have checked with that Arkansas State Board of Collection Agencies and XXXX XXXX XXXX is not licensed to collect debt in Arkansas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Navient informed me on XX/XX/18 that my student loans were getting ready to be in default. I have been making monthly payments of the set amount agreed upon. I have not missed a payment. They informed me that my interest rate had gone up ( something which I was unaware of as I have not received a phone call or statement in the mail ). This increase has made my monthly payment increase and as a result, I am now past due ( which I was also unaware of as they have not phoned me or sent me mail ). I asked for my co signer to be taken off the loan and they told me that I have to make a year of payments on time before I can qualify for this. I have made a year of payments on time but was unaware of my interest increase so now I don't qualify for that. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
I just found in my credit report a collections for {$300.00} from Midwest Recovery System.

I do not owe that money if should be a mistaken identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: UT

Complaint narrative:
on XX/XX/XXXX a person stole my wallet and charged on my credit cards, the bank help with those charges. I put a fraud alert on my credit for 7 year. But my credit report shows in my personal information addresses I live in XXXX, California. never been in California. Now I got a letter from Southwest Credit collection agency collection bill from XXXX XXXX XXXX for {$1300.00} from XXXX, Ca. I don't know how that happens I have fraud alert since XX/XX/XXXX. the same person is renting with my SSN

Company response to consumer: Closed with explanation