vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-22 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
In XX/XX/XXXX I became aware of possible compromises to my credit report. I ran the usual inquiries to the 3 agencies. 2 of which i encountered problems accessing my free credit report due to false info existing on them. I had to fax in personal information to both agencies to receive my free report via US mail. One company has followed through, and i was able to access my report. Equifax however has failed  to comply. I faxed all information requested on XX/XX/XXXX to phone number XXXX. I still have not received anything by mail. I try to access my report online, and none of the wrong information has been corrected so I am still unable to do so. Today, XX/XX/XXXX, I attempted to call again, and i was told the systems are being updated, and to call back later. This is what they tell me every time I call or after over 2 hours of waiting I simply give up because I have other things I have to do.I travel year round so finding the time to get these issues fixed is a monumental task.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Worldwide Processing Group, LLC
State: ND

Complaint narrative:
This company, who identified themselves as Forward Movement Recovery, has been calling me dozens of times per day for an alleged debt that is at a minimum of 12 years old, for a pay day loan that I do not believe I ever took out. It is currently XXXX and I have received 3 calls so  far today. And now my dad says that he is getting repeated calls from this company every day also. I am XXXX years old. I just talked to 2 different people from this company, one that hung up on, and one that was so rude that I gave him a piece of my mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
cra violation XXXX XXXX as id theft letter XXXX report and court records

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: TX

Complaint narrative:
cra violation XXXX XXXX as id theft letter XXXX report and court records

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 2018-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MT

Complaint narrative:
I have had a credit card with XXXX XXXX XXXX for over 10 years with no late payments. I got this credit card when I was still working in Florida and in good health. 
Now I am on XXXX due to XXXX XXXX, XXXX XXXX issues and only XXXX XXXX issue. I only receive about $ 1100 monthly. XXXX XXXX XXXX was charging me 22 % interest. I talked with them twice this week about reducing my interest rate. They did reduce the interest rate ... but only to 21 %. My current balance is about {$3300.00}. 
The interest they are charging me is way too much for my current income. I do not want to file bankruptcy! I only want XXXX XXXX XXXX to reduce my interest rate much more than they have. This would help me pay the debt I owe to them. 
As it is now, I can not make ends meet. 
Please help me resolve my dilemma. 
Thank you so very much for your time and consideration ...!!!

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 2018-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Im exercising my right as a consumer section 609 of the FCRA states that proper documentation has to be provided with a original signed contract with my signature. XXXX XXXX account is being reported on my credit report this account was deleted but yet is still being reported. Ill attach documents that this XXXX account was deleted from XXXX XXXX. So I need XXXX to remove this as well. Reach out to Web bank XXXX XXXX and ask them to provideyou with what Section 609 of the FCRA wants. Experian you never provide how you did your investigation what method you provided to get accurate results instead of number codes.

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 2018-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company
State: KY

Complaint narrative:
I noticed a medical bill last year that showed up on all 3 of my credit bureaus in the amount of {$320.00} first opened on XX/XX/2016 by  Merchants Credit Guide. I have called several times attempting to resolve this debt because it is mine. However I was told by XXXX XXXX XXXX that the account was paid in full by my insurance XXXX XXXX. After several attempts by myself and XXXX and XXXX XXXX to resolve this issue we get No where. I have called several times myself and been on 3 way calls with the billing clerk at XXXX XXXX XXXX and Merchants to resolve the issue and Merchants Credit Guide, but they persistently say the bill was Never paid XXXX XXXX also attempted to fax them documents showing it was paid and they still refuse to remove the collection. Merchants Credit Guide customer service is very rude and demanding. I asked them to send me a form of validation and I never received it. This account is actually mine, but it's been paid by XXXX XXXX and Merchants Credit Guide still refuses to remove the collection. They have threatened to sue me in court contact the police and been harassing me with phone calls. I have prove it was paid and since they choose to not send me a form of validation I will not contact them anymore. I would really appreciate any insight or help resolving this issue. I have disputed it 3 times with No luck.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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/2015 I attempted to purchase a Time Share from XXXX XXXX in XXXX XXXX. My husband and I traded in our time share to XXXX XXXX for a XXXX trade in price. I started to get bills from our ( thought traded time share XXXX XXXX ) we found the time share had not been in fact purchased By XXXX XXXX and that we still owned the one we thought we traded. We were told the developer at XXXX XXXX was not able to purchase our time share because of inventory issues. Shortly after we stopped paying maintenance fees on the new time share because we don't own it. I received a call from from XXXX XXXX a collection company in California ( who has assumed our debt ) telling us that we did not have an agreement for a trade and that we owe for both time shares. XXXX is in California and XXXX XXXX is in XXXX. Out attorney sent XXXX and XXXX XXXX a cease and desist letter. We then had our attorney file on our behalf a letter asking XXXX XXXX to remove it from my credit report since we were in litigation. I submitted three disputes and they came back with a response that the collection " had been verified '' I attempted to submit a letter to the credit bureau and it will not allow me to dispute the issue as it states I have submitted a dispute in 120 time frame. I explained to Trans Union it is  severely damaging my credit. They refuse to remove it. XXXX XXXX only called me once and immediately put me in collections. Their practices are unlawful and I reserve the right a consumer to have fair reporting. They are not reporting it honestly, it affected my car rate and it is affecting my credit reporting 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 2018-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
Company called me 3 times in a row after hanging up on me the first time. This is harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: IL

Complaint narrative:
I ordered a copy of my credit report from Equifax and noticed there were/are items still listed on my report that's over 10 years. I called and asked Equifax to remove those items and instead of them treating this as an inquiry, they treated it as a " Dispute '', which to them means that an investigation took place, they verified the information in the report was/is accurate and instead of them removing the item, they said that because I " Disputed '' the item, it will last on my report for another ten years. I was flabbergasted in that the items were never disputed, only brought to the attention of the credit agency as needing to be removed because they were listed on my report for longer than ten years. Equifax is misinterpreting the meaning of an inquiry and is noting the inquiry as a dispute, which according to federal law ( as stated to me ), that all " Disputes '' must remain on the file for 10 years from the date of reported. The " Items as of Date Reported '' is also being misused to mean that the creditor reported something new instead of Equifax verifying the information reported by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
This complaint is about Citizen 's Bank. I believe I have been subject to privacy and human rights violations that extend back to my time at XXXX University in XX/XX/XXXX-XX/XX/XXXX and some currently connected to theft and malicious takeover attempt of commercial projects, notably copyright XXXX which is a film related to the anti nuclear movement from the XX/XX/XXXX and XX/XX/XXXX. However there are other developments surrounding XXXX   or other issues. Unfortunately, the violations are severe. At the time I was at XXXX I had an account at Citizen 's Bank. I would like all account information and anything else logged to my name including all available investigative material. Due to takeover I would like to know any participation or conflicts of information the bank could have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: NY

Complaint narrative:
I received a Notice Of Collection dated XX/XX/XXXX.

on XX/XX/XXXX I called the number of the company, I asked for supporting documentation to support their collection amount, and more details, because the information on the letter is not correct. 
The representative simply hung up the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I signed up with big picture loan for a pay day loan for the amount of {$600.00}. I have been making payments of {$140.00} twice a month since XX/XX/XXXX until now. I made around 17-18 payments ; totalling over {$2500.00} ; as of today my balance remain at {$550.00}, only {$46.00} went towards my balance. And that's where my problem are with big picture loan, {$2500.00} all in fees?.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: LA

Complaint narrative:
I deposited {$450.00} into XXXX ( This is a coinbase company ) to invest in BTC and my money was withdrawn from my bank 2 days ago on XX/XX/18. XXXX was showing pending transaction. When I checked in today to see if my money arrived yet, I was surprised with an account closure notice. No reason given. and they already have the form filled out and checked off that there is XXXX balance and no pending transactions. When I called their customer service the lady told me there was no reason listed and she could only refer me to read the terms and conditions. She then said " I will be terminating this call '' and hung up on me. Wow!!! I thought Coinbase was supposed to be one of the most trusted and secure cryptocurrency companies? Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: IL

Complaint narrative:
As of XX/XX/XXXX, Equifax has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX PUBLIC FILINGS XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a charge on my statement from XXXX XXXX for {$12000.00} dated XX/XX/XXXX. this transaction is fraud and I reported this charge to chase as fraud by phone, and again by a letter. At first Chase gave me credit for this transaction in XX/XX/XXXX, but later Chase made me crazy, dragged the process and ultimately they closed the case and rebilled my account without merit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: DataMax Corporation
State: NC

Complaint narrative:
REFUSED MEDICAL ATTENTION WAS DENIED BY INDIVIDUALS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: NV

Complaint narrative:
AmeriHome Mortgage Company managed my mortgage until XXXX when I refinanced with XXXX XXXX. On XX/XX/XXXX, XXXX XXXX paid off the mortgage and a new loan was created with XXXX XXXX. 

On XX/XX/XXXX, AmeriHome also withdrew the XXXX Mortgage payment. 

I immediately notified AmeriHome Mortgage Company and asked about my escrow and a last payment refund. The escrow refund was received at the end of XXXX, but the XXXX overpayment was not processed. 

I called every week ( at least twice a week ) and inquired about my XXXX mortgage refund. I had to escalate my problem to supervisors and still did not receive my refund of the overpayment. I was incorrectly advised that the overpayment would be refunded with the escrow ( it was not ). After the escrow payment, I continued to call and request the XXXX mortgage payment. The payment was finally received after XX/XX/XXXX ( more that 45 days after the total loan was paid off. ) As a senior citizen that {$1000.00} plus extra plus mortgage payment puts a burden on me, so I continued to call AmeriHome for a refund of my overpayment. I even overdrew my checking account waiting for this refund. 

I advised them that I would be filing a formal complaint and they advised me that I was not entitled to any late fee or interest. If my mortgage is late, they would charge me interest so their failure to refund my overpayment immediately ( despite numerous calls and complaints ) should include interest.

I discussed filing a formal complaint with the company and they advised me to write the president of the company and that is why I am writing you to escalate my concerns to the president of AmeriHome Home Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
I called Mr. Cooper in late XX/XX/XXXX to request a 2 month deferred payment arrangement as I had missed XXXX and XXXX payment due dates. I was told I was approved for the deferment and made a payment on XX/XX/XXXX. The bank cancelled the deferment and is now telling me that the customer service representative asked if I was able to make a payment this month and since i XXXX have responded affirmatively that I was in default of the terms of deferment. This is not fair as we had been discussing a 2 month deferment which means I would not of had to make a payment until XXXX, which is when I did. The Mr. Cooper representative should not have asked if I could make a payment in XXXX when I was requesting a 2 month deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX my wife & I opened a checking account at Bank of America. At that time we told the rep that we did not want our middle names or initials to appear on checks, debit cards, statements or any other document. Our middle name did not appear on our checks however, that is as far as B of A went in honoring our request. The debit cards showed our full middle names. I called B of A to inform them of the error. New cards were sent without the middle name or initial however, B of A charged us {$5.00} per card for making the change. They later reversed the charges after I called them. Statements and checks sent by B of A when we use bill pay continue to show our full middle names. Numerous telephone calls to the branch and customer service have been made to resolve this ongoing bank error without success. Today, XX/XX/XXXX, I went into the branch and met with XXXX XXXX, Assistant Vice-President, Relationship Manager. Since my wife is ill ( she suffered a XXXX ) I presented a lawfully executed and notarized General Power of Attorney. XXXX XXXX called her legal department and faxed them a copy. The response was that Bank of America declined to honor the General POA because it had not been signed by two witnesses. I pointed out to her that Arizona law allows the option of having two witnesses sign the document or having the document notarized. She said it was out of her control or authority as her legal department said to decline it. I also advised her that two other financial institutions had already honored the POA as well as hospitals, doctors, attorneys and a local court. She stated that there was nothing further she could do. The end result is that Bank of America has refused to honor a lawful General Power of Attorney authorizing me to represent and act on behalf of my wife, Bank of America has refused to correct their errors and remove our middle names/initials from the records and Bank of America has refused to add our trust as a beneficiary to the account.

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 2018-02-22 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: CORELOGIC INC
State: IN

Complaint narrative:
XXXX made a hard inquiry on my account on XX/XX/2017. No institution information is provided. I have no idea what this is from and would like it removed from my credit

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 2018-02-22 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I filed a bankruptcy back in XX/XX/XXXX and it was discharged in XX/XX/XXXX. In this banruptcy I had included a loan from chase home mortgage for a house which belongs to my brother legally on the title. I was never in the title only in the loan. Years later he defaulted again and chase home mortgage claimed that they never received documents from the court regarding my bankruptcy and they are coming after me and threatening to or a lien on my current home and my credit has been ruined again because they have not reported it properly to the credit bureau and have not taken the financial responsibility off my name in their system. My life is being affected yet again since even an employer checks your credit to offer you employment these days and I can't even get a credit card or buy a car, nothing because they have not reported this properly. Chase has taken me to court and asking for something like {$140000.00} or a lien on my property when I declared that debt in the banruptcy and it was discharged! I need these cleared up and my credit cleaned so I can have my life back! Never ever ever lend your credit to anyone and when you file bankruptcy make sure you sun your credit to ensure it is being reported properly. I have learned my lesson but fixing this is taking a long time and causing stress on my marriage and our family! Please help!

Company response to consumer: Closed with explanation