vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
When I first began the process of attempting to resolve my mortgage issues, the Servicer was XXXX XXXX. As instructed, I completed numerous documents in hopes of obtaining a permanent loan modification. 

During that time, and close to an anticipated resolution, servicing transferred to Carrington Mortgage Services ( Carrington ). It is here that I experienced more Servicer -caused hardship - and as a consequence, lost my property to Foreclosure Sale. 

As I attempted to comply with Carrington 's new requirements - they proceeded with the Sale process, contrary to CFPB and HAMP guidelines. The original Servicer, XXXX XXXX, was the successful bidder, and now 'washes their hands ' of this matter. 

As it now stands, I am still trying to resolve the matter with the Servicer ( Carrington ). Carrington stated that XXXX XXXX did not transfer the documents I submitted to them. XXXX XXXX states that all was submitted, but also, that I did not respond to all requests. 

If the paragraph above was confusing, you can understand a little of how I feel. I want to keep my home, but dont know what else to do. My property is in limbo, as the title has not yet been issued. I am trying my best to keep my home and need your intercession. 
To try to be as concise as possible, I attempted to resolve my default and foreclosure matters with the Servicer of my home loan. In good faith, I submitted various hardship assistance applications in hopes of resolution. Mid-attempt, the Servicing changed from a National Bank regulated by the OCC ( Office of the Comptroller of Currencies ) and subject several lawsuits and settlements germane to my plight to a collections company type, governed by you the CFPB. 
I need you ( the CFPB ) to please research the history of these transactions including my timely submission of all requested documents and the non-review of the same. I requested this ( Servicing History ) of both Servicers, and was advised by XXXX XXXX, that the requested information was proprietary.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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: NJ

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03 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 had an open coinbase support ticket for over a week ( Case # XXXX  ). I have an entire transcript of the issue as well. I withdrew cryptocurrency ( ethereum ) from my wallet - and a glitch in their system has yet to send it to the blockchain. Support has been entirely unhelpful, as they ignored the problem many times stating that the transaction was sent. I sent 4 transactions for the same amount ( .XXXX  ethereum ) and 3 were successfully sent. The support team keeps telling me they were sent referencing the 3 successful transactions. Four days ago, they acknowledged the unsuccessful transaction ( finally ), have said they are working on a fix, but have not provided one nor any timeframe in which theyll have a solution. Because of this, my account has had .XXXX  ethereum removed from it, which is being held by Coinbase since they have yet to send the transaction to my original withdrawal address or credit back my account because of their own internal issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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: FL

Complaint narrative:
On XX/XX/2018 I wrote to XXXX  ; Equifax and XXXX  credit reporting bureaus ( see attached letters and proof of certified delivery ) informing each that they are reporting an account that is unknown to me and that they are reporting inaccurate data regarding this account and the company 's contact information because my mail to them was returned by the post office as undelivered. I informed them that I have attempted to contact this company but the contact information stated on my report is incorrect. 

I wrote to the collections company on XX/XX/2018 stating the listed account # XXXX reported by XXXX XXXX  XXXX XXXX XXXX is not known to me and that I requested full validation. This is over ( 7 ) months please note that this collection agent is in non compliance with FCRA and the FCRA. 

I have received no response from any of the bureaus regarding my dispute regarding the non compliance of the collection agent although I sent supporting documents including the envelope stamped as undelivered by the US postal service ; copy of letter requesting validation sent to XXXX XXXX XXXX XXXX XXXX ; Copy of certificate of mail ; copy of my driving license ; copy of my social security card ; copy of recent XXXX for verification of address of residency. 

The bureaus have failed to comply within the 30-45 day time frame and to date the account is still reporting on my credit ( see attached account reported on my credit report ) therefore I have no recourse to moving forward without the assistance of the Consumer Financial Protection Board.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES
State: NC

Complaint narrative:
I just received a notice from Zwicker & Associates, P.C, a debt collector of XXXX XXXX. This communication is to dispute owed of {$5700.00} from XXXX XXXX. My card was used without my permission by my ex husband and charges were incurred by him and other persons. I have always paid my debt timely and XXXX XXXX refused to take disputed charges off. As a result, my credit has been impacted and the debt was charged off and they refused to even file a claim. XXXX behavior violates consumer protection laws and the law firm is engaging in predatory debt collection practices. This is ridiculous, I want this deft off my credit ASAP. SO THIS IS MY FORMAL DISPUTE WITHIN 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I filed a billing dispute with JP Morgan Chase on a Visa for a charge for a hotel room in which bed bugs were discovered. JP Morgan Chase refused to file a charge back with Visa  even though I have supporting documentation about the bed bugs and a dispute right in accordance with Visa rules and regualtions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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: NJ

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2018-08-03 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: NJ

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2018-08-03 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: FL

Complaint narrative:
On XX/XX/2018 I wrote to TransUnion credit reporting bureau ( see attached letters and proof of certified delivery ) informing them of the incorrect reporting of an account that is unknown to me and that they were reporting both inaccurate data regarding this account and the company 's contact information because my mail to them was returned by the post office as undelivered. I informed TransUnion that I have attempted to contact this company but the contact information stated on my report is incorrect. I wrote to the collections company on XX/XX/2018 stating the listed account # XXXX reported by XXXX XXXX  XXXX XXXX XXXX is not known to me and that I requested full validation. This has been over ( 7 ) months please note that this collection agent is in non compliance with FCRA and the FCRA. I have received NO response from TransUnion regarding my dispute and the non compliance of the collection agent although I have sent supporting documents including the envelope stamped as undelivered by the US postal service ; copy of letter requesting validation sent to XXXX XXXX XXXX XXXX XXXX ; Copy of certificate of mail ; copy of my driving license ; copy of my social security card ; copy of recent XXXX for verification of address of residency. Both TransUnion and XXXX XXXX  XXXX XXXX XXXX have failed to comply within the 30-45 day time frame to date the account is still reporting on my credit ( see attached account reported on my credit report ) therefore I have no recourse to moving forward without the assistance of the Consumer Financial Protection Board.

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 2018-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I opened one account with XXXX XXXX XXXX for a wireless phone. I paid consistently on my bill. Somehow, there were 2 accounts created when I did this, and XXXX XXXX XXXX already told me I only owe {$170.00} total. They couldn't even figure out what the other amount was for. They admitted they had never seen this before, but it was their mistake. So of {$360.00}, I ony actually owed them {$170.00}, which I have paid. The XXXX   people called the debt collection agency, Diversified Consultants, Inc., and while I was there XXXX and I both spoke with the collection agency. They agreed to lower the amount that I owed to {$170.00}. I paid the amount a few days later. But there's still a balance of what was left from the {$360.00}, and it ended up on my credit report. XXXX  can not do anything about it but said to dispute the charges with Diversified Consultants.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax continues to list a dismissed bankruptcy as confirmed within my credit file. Although it is Equifax 's policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief ''. In addition, Section 1681c does not specify a minimum period for which a bankruptcy must remain on an individuals credit file. TransUnion has abided by the guidelines set forth by the FCRA and removed the bankruptcy, yet Equifax continues with the erroneous misinterpretation of said guidelines.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Equifax must delete this information from my credit report and send me an updated copy when this action is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc.
State: KY

Complaint narrative:
Ive contacted the company numerous times pertaining to a collection thats reporting on my credit report. Ive requested that they send documentation validating the debt that is owed and theyve failed to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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: GA

Complaint narrative:
I went down to my local police station and filed a police report when I discovered accounts has been manufactured in my name. I had the police report stamped and I filed a repot with the FTC. In addition, I went and saw a notary and had all documents notarized.

I submitted the documents/information to the bureaus and the unknown information remains on my credit an I have not received a new credit report to show the information was disputed. 

XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX US BKPT Identification Number XXXX US BKPT Identification Number 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 2018-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BB&T CORPORATION
State: KY

Complaint narrative:
I went to BB & T Bank on XX/XX/2018 to cash a check payable from a BB & T business customer checking account. The manager said they didn't have enough cash to cover the check amount and offered a small partial payment of cash and a cashier 's check for the remaining balance which was the majority of the amount of the check. The manager did not offer to aquire the cash needed to pay the check from BB & T. The manager did not offer to set up an appointment for me to receive payment for the check. I was also offered the option to open an account at BB & T but I was informed I would be charged {$50.00} if I withdrew the funds and closed the account within 90 days. I have a check on a BB & T account in good standing and yet BB & T did not offer to aquire the funds to pay it. I have a piece of paper with numbers on it and BB & T has my money.

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 2018-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: CA

Complaint narrative:
As mentioned to Discover, I did not open an account with this company. It may have been a result of someone using my personal information. Discover has not produced any physical documentation after various requests. They do not have a copy of any contract that I, myself, have signed or even have a copy of the ID used to open the account. Anyone who may have had access to my personal information may have opened this account. My request for a reasonable investigation has yielded nothing more than the " XXXX '' " verification method, which has done nothing but match information already recorded. Discover HAS NOT investigated who may have actually opened this account, by sending me a copy of the contract and/or ID used to open it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am trying to get Equifax to correct my date of birth. They have it as XX/XX/XXXX, and it is XX/XX/XXXX. I have talked to 3 agents, 2 supervisors, and 1 manager. They all say to FAX my documents, but all the FAX machines never answer, or say Busy.

I'm in the middle of a sizable remortgage and running out of time to complete the transaction. Due to their error the lender will not complete the loan. This is going to cost me a great deal of money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03 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: CA

Complaint narrative:
PLEASE READ MY COMPLAINT CAREFULLY!

After this complaint I am going to sue you Equifax.

I have attached on this complaint the tremendously inaccurate accounts which you are displaying. PLEASE note, you have two accounts with the same ACCOUNT NUMBERS appearing on my credit report as a DUPLICATE! What is going on, why can't you guys see what I am talking about? One has a 30 day late on it and the other is perfectly delinquency free! Why are you displaying the one account that is CLEARLY stating that it is closed but still have the other account with the SAME account number, status, open dates on it with ZERO delinquencies? I have told you time and time again that I HAVE NEVER BEEN LATE On my XXXX card # XXXX  ... you are illegally reporting incorrect information. Why did you contact XXXX  to verify if it is open or not an ONLY confirmed that information with me? That is NOT what I am disputing here! There is 1 ACCOUNT on my credit report from XXXX which states STATUS : CLOSED with a false 30 day LATE on it! DELETE THAT IT IS NOT ACCURATE! MY CARD IS OPEN I KNOW THAT! This is not an account that belongs to me and the information is inaccurate, mixed up and false ... what is so hard for you to understand!

2- SECond reason why I am going to sue you is that you have not carried on an investigation into XXXX  # XXXX! this is NOT a negative account and you have it as a negative Collection account! DELETE it because it is harming my credit! Who in the world is handling my case? What is going on here? it has been 5 months of this back and forth madness and NOT ONCE have you placed a DISPUTE mark on this account and sent me a single thing regarding an investigation!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I just received a notice from XXXX XXXX XXXX, XXXX, a debt collector of American Express. This communication is to dispute owed of {$5700.00} from American Express. My card was used without my permission by my ex husband and charges were incurred by him and other persons. I have always paid my debt timely and American Express refused to take disputed charges off. As a result, my credit has been impacted and the debt was charged off and they refused to even file a claim. AMEX behavior violates consumer protection laws and the law firm is engaging in predatory debt collection practices. This is ridiculous, I want this deft off my credit ASAP. SO THIS IS MY FORMAL DISPUTE WITHIN 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am a severly XXXX, formerly homeless unemployed veteran with no money and no assets. I had XXXX $ in my account which my widowed XXXX year old mother gave me to eat and wells fargo bank stole it, YES STOLE IT, out of my account without notifcation, THE WEEK ENDING XX/XX/2018. I have not been able to eat or supply myself basic needs becuase of this in over a week. 
I CONTACTED THE WELLS FARGO AND THEY TOLD ME TO GO TO XXXX. THIS IS HOW THIS DIRTY EVIL CORPORATION, WITH BILLIONS OF LAWSUITS AND GOVERNMENT SANCTIONS AGAINST IT, TREATS OUR NATIONS VETERANS!! I DEMAND MY XXXX $ BACK NOW!!

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 2018-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
As mentioned to Capital One, I did not open an account with this company. It may have been a result of someone using my personal information. Capital One has not produced any physical documentation after various requests. They do not have a copy of any contract that I, myself, have signed or even have a copy of the ID used to open the account. Anyone who may have had access to my personal information may have opened this account. My request for a reasonable investigation has yielded nothing more than the " XXXX '' " verification method, which has done nothing but match information already recorded. Capital One HAS NOT investigated who may have actually opened this account, by sending me a copy of the contract and/or ID used to open it.

Company response to consumer: Closed with explanation