vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I personally filed a police report regarding identity theft/fraud. 
I sent a letter and the police report number Case # XXXX, attached with my valid Id and a current copy of my credit report, along with FCRA 605B ruling. I sent this certified mail - XXXX - XXXX, XXXX XXXX, Transunion XXXX to all three credit agencies. 
I spent {$39.00} on certified mail, it has been over 30 days on ( XX/XX/18 ) and the accounts are still there. When i contact them they all state the accounts are valid. when clearly then can see it was related to fraud case. Refusing to suppress those accounts.? 

This is causing so much stress and frustration. plus i have lost a chance to secure a solid job. due to these delinquent account that are not related to me. in fact the only person behind this was my ex husband

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07 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: WA

Complaint narrative:
I personally filed a police report regarding identity theft/fraud. 
I sent a letter and the police report number Case # XXXX, attached with my valid Id and a current copy of my credit report, along with FCRA 605B ruling. I sent this certified mail - XXXX - XXXX, Experian XXXX, XXXX XXXX to all three credit agencies. 
I spent {$39.00} on certified mail, it has been over 30 days on ( XX/XX/18 ) and the accounts are still there. When i contact them they all state the accounts are valid. when clearly then can see it was related to fraud case. Refusing to suppress those accounts.? 

This is causing so much stress and frustration. plus i have lost a chance to secure a solid job. due to these delinquent account that are not related to me. in fact the only person behind this was my ex husband

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I was contacted by " Receivables Performance Management '' XXXX XXXX XXXX XXXX XXXX, WA XXXX I was told the had a debit for a previous account I had, they asked me if I wanted a settlement. I paid from my debit card on XX/XX/XXXX and the funds were taken from my account. It was removed from my credit report. More then a year later I received a piece of mail from XXXX XXXX try to collect on the same account. I immediately called them and told them about RPM and the settlement. They told me they would look into it in contact me. I got on the phone and contacted RPM and I was told they were going to have to pull the voice recordings from XX/XX/XXXX. I was to be contacted, I did not hear back I called back 25 times! Manager to manager excuse after excuse the files were stored in a separate location they had to submit to get the audio file. I ask my bank to revoke the transaction of settlement from them because it was obvious they had taken by money and they weren't consered with helping. Unfortunately it had been over 6 months, and the funds couldn't be pulled back. 

There was previously a reslease and RPM and XXXX amount on the closed account on my credit report. Today after I have spent a lot of time energy a money to XXXX out everything on my credit report XXXX XXXX is still Harassing me and trying to collect on something that's been paid for over 2 years! Now it's on my credit report and I'm freaking out. Despretly need addvise, please help me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am requesting the removal of two judgments ( listed below ) from my Experian credit report due to Civil Case No. XXXX, XXXX XXXX , XXXX Al., v. XXXX XXXX XXXX , XXXX. I requested in writing and over the phone on MULTIPLE occasions over the last year and I still have not received anything. Today, XX/XX/2018 at XXXX on a recorded line I spoke with XXXX in the special service department who told me, 'Experian can't give me any documentation supporting their verification and I must get it directly from the creditor ', who has already put in writing that they did not verify anything with any CRAs. I do not know the source of their verification information on these bankruptcies and due to this, Experian has violated the Fair Credit Reporting Act ( FCRA ). Please  remove these bankruptcies as soon as possible. 


Since this is a request and not a dispute, I would like to receive confirmation that all bankruptcies listed on my credit report have been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was trying to pay Amex bill through XXXX XXXX  account app but the money went to anther Amex account which is not related to me my bank account was hacked first transaction was a payment of {$1300.00} on XX/XX/XXXX. Second one on XX/XX/XXXX payment of XXXX both transaction went to account no XXXX whit is not my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX Call said regions bank collection. I work for XXXX I do not owe a debt never applied for any loans within the regions bank. Consistently calls my parents house.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have repeatedly contacted XXXX  as well as transunion about a collection company. ( XXXX XXXX XXXX ). In XX/XX/XXXX I filed for bankruptcy. In XX/XX/XXXX I received a discharge. XXXX is a debt that was successfully discharged. However XXXX changed the effective date of debt to reflect as if the debt accumulated post bankruptcy. The collection account appeared on my credit 8 months after bankruptcy dates XX/XX/XXXX. I have submitted at least two investigations with transunion and was told to forward a copy of the discharge to insure that the original debt was discharged. I have submitted those documents and still it's on my report. I've submitted the same paper work to XXXX on three different occasions both mail and fax and each time they've claimed to not receive them. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/2018, Coinbase made an unauthorized withdrawal of {$240.00} from my XXXX XXXX XXXX checking account. The transaction listed itself as a Bitcoin ( BTC ) purchase. I did NOT request this. I also did not receive any notifications/confirmations via email or in my coinbase account. I did not receive the BTC that was supposedly purchased. 

I called Coinbase the same day and they assured me that my issue would be treated as a priority and the money returned. Nothing happened for two weeks despite multiple email requests for updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
Credit inquiry from XXXX, i did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2018 BOA called my work # ( above ) asking for me again this is not the first time but I sure want it to be the last I dont need to loose my job This is not acceptable at the school that I work at

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: MS

Complaint narrative:
XX/XX/XXXX I called XXXX at XXXX XXXX XXXX XXXX as indicated in the Patient Statement they sent me. I spoke with Communications Manager XXXX regarding my bill for XXXX. After a lengthy talk, we agreed to a XXXX monthly payment to be charged to my credit card every XXXX of the month and such payment will commence on XX/XX/XXXX. On the same day XX/XX/XXXX, my card showed a transaction for XXXX which is against what we agreed on. 

XXXX has not shown good faith in dealing with me. I made several attempts to contact them since XX/XX/XXXX to settle the account. Despite the nagging thought that the charge was somewhat doubtful, I decided to just arrange a payment plan because I was still in recovery from my accident. However, their most recent act showed how they have been less than truthful in dealing with me. I am therefore, questioning the services rendered ( XXXX ) on XX/XX/XXXX which amounted to XXXX, not including the ground mileage ( XXXX ) for XXXX. I was in stable condition when I was moved from XXXX in XXXX XXXX, XXXX to University XXXX in XXXX. I want to know the details of ( XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.

Complaint narrative:
I receive daily calls from South West Credit Systems, They refuse to provide me with any additional identification as to who they are, I have repeatedly asked not to be contacted because I do not have any outstanding balances with any creditors. They will not cease to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CT

Complaint narrative:
I applied for a mortgage and they denied me. They said I needed a debt to income ratio of more than 43 % and they denied me. I have two tenants whose combined rent is more than enough to cover the entire mortgage. He did not look at my current income which includes their rent receipts. 

He did not know how to read a income tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I had a credit card, checking/saving accounts and an IRA account with Capital One. Then Capital One closed my credit card and checking/saving accounts. As a result I do not have access to my IRA account any more. 
I contacted Capital One customer service twice. First time I was told someone would call me back but that did not happen. The second time I was transferred back and forth, spent almost two hours on the phone but it did not help with anything. I was even told that Capital One would close my IRA account and send me a check! 

How could Capital One make a decision on closing my IRA account and force me to pay all the taxes! 

I need to be able to access my IRA account ASAP and I will transfer my IRA account to another bank. I do not want to close my IRA account and pay all the taxes now!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
Message : XX/XX/XXXX @ XXXX HI, my name is XXXX XXXX, my back account was hacked XX/XX/XXXX for {$2000.00} from this place called ORIG CO NAME : XXXX XXXX XXXX XXXX : PAYMENT SEC : XXXX XXXX XXXX XXXX XXXX ACH debit {$210.00} this is just 1, I have 15 more for different amount which totals {$2000.00}, I contacted the XXXX  branch FBI and they told me to get a police report which I did, and the officer said I should let your office know as well.. I done some checking on the place, I think they're from Calif. and the ACH debit means it getting clearance to be wired to overseas. I checked on complaints and there's a serious problem with this company with money fraud. ALSO CONTACTED COMPANY AND THEY TOLD ME THEY CAN'T TRACE THE NUMBERS WHICH TOOK THE MONEY, YEAH RIGHT .... The ORIG ID number is where these transactions took place, I DON'T HAVE THE MEANS TO TRACE THIS ... COULD YOUR OFFICE LET THE FBI KNOW.. THE HACKED BANK WAS XXXX IN XXXX THE POLICE OFFICER WHO TOOK THE REPORT IS XXXX XXXX IN XXXX AND THE CASE # XXXX ... I'LL BE SENDING HIM BANK STATEMENTS ON THIS ... .. THANK YOU VERY MUCH ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
The consumer Portfolio Recovery on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX in the amount of {$420.00} stated that the company received an electronic file of its business records concerning an allege account owed to them. I formally requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount. I also informed the company that per FTC opinion letter from Attorney XXXX XXXX XXXX, that they should be aware that a printout of a bill or itemized document does not constitute verification. 
To this date the company has refused to provide the requested information. They stated that their office considers this matter closed per dispute pursuant to 15 U.S.C. Section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( ll ) of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
My student loan amount has risen to {$110000.00} and the University XXXX XXXX has unofficially dropped me from the school when I only have 9 credit hours left before I can graduate. {$110000.00} is far too costly for any college education. This is ridiculous to charge a person this much. I am hoping that a large portion or the full amount of this loan be forgiven. The University XXXX XXXX and XXXX XXXX XXXX is ripping me and I'm sure others off with these high college tuition rates. Please forgive this loan and return some of the money spent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have repeatedly contacted equifax as well as XXXX about a collection company. ( XXXX XXXX XXXX ). In XX/XX/XXXX I filed for bankruptcy. In XX/XX/XXXX I received a discharge. XXXX is a debt that was successfully XXXX. However XXXX changed the effective date of debt to reflect as if the debt accumulated post bankruptcy. The collection account appeared on my credit 8 months after bankruptcy dates XX/XX/XXXX. I have submitted at least two investigations with XXXX   and was told to forward a copy of the discharge to insure that the original debt was discharged. I have submitted those documents and still it's on my report. I've submitted the same paper work to equifax on three different occasions both mail and fax and each time they've claimed to not receive them. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
The debt collector, TRANSWORLD SYSTEMS , INC. notified me at the end of XX/XX/XXXX that they were going to intiate a wage garnishment on me for failure to pay the debt. They informed me in a letter that I had the right to request a hearing that would be considered before a hearing official. The collector stated that if I requested the hearing within 15 days of receiving the notice that no further action would occur until a decision is made by the hearing official. I wrote back to the collector and filed out the form they sent me to request the hearing. My request was received by them within the 15 day time limit. In XXXX I obtained a lawyer to represent me in the matter. When my lawyer contact the collector by phone they told him that the hearing had already occurred and that they called me. However, I never received any notice of such hearing nor was I ever informed of the date of time of the hearing. I have since written a letter asking the collector why I was never informed of when my hearing would be and my lawyer at the time was never notified. Now I have received statements showing that more interest charges are being added to the debt. I have not been afforded my legal rights as they represented to me in writing and now the collector is making it appear that I did not show for my hearing when I was never notified of the hearing. I would like this investigated because as far as I am concerned the collector did misrepresented themselves and the who fact of my right to request a hearing. I feel that this collector is in violation of my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Date Company Request Originator XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX WELLS FARGO FINANCIAL XXXX, IA XXXX XXXX XX/XX/XXXX WELLS FARGO FINANCIAL XXXX, IA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XX/XX/XXXX WELLS FARGO DEALER SERVICE XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX, NC XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX XXXX AL XXXX XX/XX/XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX my wife and I contacted Capital one about a bill we received that was not our purchases and what we concluded was there was a error created by capital one. Which was that In XX/XX/XXXX I added two authorized users to my account with only providing authorization for one person  obtain a credit card. However, the third authorized user already had a personal account with Capital one. In XX/XX/XXXX the third authorized user with her own personal account lost her credit card and proceeded in XX/XX/XXXX to contact Capital one for a replacement at that point she gave her social security number and Capital one located both accounts but made an error and sent her a card for the account that I am primary over without my authorization or even verification of the account because she has no knowledge of my personal information. Once we tried to explain to capital one we spoke to a rep and two levels of supervisors one by the name of XXXX XXXX who provided horrible, disrespectful Customer service.

Company response to consumer: Closed with monetary relief