vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-26 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: Rocket Mortgage, LLC
State: MD

Complaint narrative:
I have an inquiry from XXXX reported 5 times on my credit report. I don't know why that was authorized. I have called the fraud department at XXXX in XX/XX/ and XX/XX/ to have it removed. They were difficult and did not resolve the issue. I have called the XXXX number and spoke to someone that could not resolve the issue. It has been extremely frustrating between being constantly transferred on the phone through many representatives, but no one can fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BUDGET CONTROL SERVICES, INC.
State: CO

Complaint narrative:
Budget Control svcs Derogatory marks from unknown sources Inaccurate information added to my credit report with out my knowledge Dispute charges for unknown collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I have been mailing in regular payments for about 4 years based on the payment coupons that were sent to me. The loan payments were for 2 loans in active repayment. Navient seems to have acquired additional old closed and charged off debt and has been redistributing my payments to the other accounts causing my active accounts to become delinquent. I was not aware of this until recently when I created an online account in order to request an unemployment deferment. This appears to have started around a year ago. I have submitted an online complaint to Navient and the problem has not been addressed or corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, I initiated an ACH in the amount of {$900.00} to coinbase. Today coinbase withdrew {$3000.00} from my account and attempted 12 ACH request leading to nearly {$500.00} in fees besides the lost money. I contacted coinbase, they can give me no satisfactory answer, say they can not see the transaction on their side and don't know when they can get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
www.paypal.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX They have a large sum of my money ( about {$1600.00} I think ) they won't release because I can not remember the email address & phone number I last used which has changed numerous times, since I last used the account several months ago. But I can prove they have my money because the XXXX XXXX statement shows the transfer of {$2500.00} to my Pal Pal account on XX/XX/XXXX. That account was opened XX/XX/XXXX. I was able to tell them my last transactions and a lot of other information no one else could know. I also gave them my SS # of course Manager " XXXX '' ( he pronounced instead of XXXX, whom I spoke to on XX/XX/XXXX ) lied and said they couldn't find the account. 
I spoke to Pay Pal Manager XXXX ( Employee # XXXX ) XX/XX/XXXX Located in XXXX Arizona said her couldn't help. 

I also went through my phone bills with a Pay Pal employee and couldnt find the number. But they do have my money. There are plenty of other ways to verify my identity. 

FEDERAL TRADE COMMISSION REF # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
Back in XX/XX/XXXX company responded to complaint and said they would have item deleted off credit reports it has yet to be submitted to credit bureaus as I have already called and verified this with the bureaus. 

See attached documentation ... 

The only proof that they have supplied is statements from original creditor which is not Validation of a debt owed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Opened a fraudulent loan under my name and social.I 've attempted to resolve the issue with Wells Fargo several times but have gotten nothing but the run around and a extremely unfair investigation. 

Wells Fargo has failed to properly Idenitfy me and has failed to ask for documents that would prove the validity of my claim. The refuse to look at information that is given and continue to assign the file to the same negligent investigator. 

The have discriminated me and slander my name and affect me and my families ability to gain job or credit due to a bogus fraudulent account that they continue to report. They continue to ignore all material information and facts that I have that would resolve the claim in my favor.

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 2018-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: SC

Complaint narrative:
I have a mortgage with The Money Source. My escrow balance went up dramatically. I was told that they made a mistake in figuring my taxes, however, they refuse to adjust my payment to the correct level. I believe they are misapropriating these funds

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DRB-40, LLC
State: OH

Complaint narrative:
On XX/XX/2018 at XXXX XXXX, my cell phone received a missed call from XXXX. The caller by the name of XXXX left a message on my voice mail stating that he was trying to contact me on behalf of a person known to me, concerning a job recommendation. The caller left a phone number of XXXX extension XXXX and stated his name was XXXX. 

I first called the person known to me and was informed they are employed and were not looking for any job recommendations. 

I then called XXXX the female that answered, stated it was Diversified Recovery and asked if I was calling about the person known to me. I informed the person to remove my phone number from their list of people to call.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Due to a change in employment and a move, I had to short sell my house. Bank of America was my mortgage servicer. My account was closed on XX/XX/XXXX. 

In XX/XX/XXXX I received a credit report alert on a past due account. The alert showed that I was past due on my mortgage payment by more than 30 days. This situation caused my credit score to drop by more than 100 points. My credit score is usually in the high XXXX. 

I contacted Bank of America and was told that because my account was closed, they couldn't fix any errors on my credit report.

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 2018-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Consumer Shield
State: AL

Complaint narrative:
The credit counseling company is called Consumer Shield of XXXX Florida XXXX. I signed a contract with them XX/XX/XXXX through a company called XXXX XXXX XXXX. But their so call lawyers, that's what I was told will not respond to me, anyway XXXX XXXX left the company shortly after he talked me into adding {$3000.00} to my already existing account of {$9000.00} and this money was to go in an escrow account until they got paid then they would take care of my creditors of which I have several, they only communicated with one that I know of and that was XXXX. I got a summons from one of my creditors and consumer shield sent a letter deputing the charges, but a date was set for XX/XX/XXXX anyway and I had to face the creditor without any representation .I called over 45 times from the date i got the letter until I went to court.I pleaded for any kind of help I could get but got no response I also sent numerous emails asking for advice but again I got no response.They finely answered the phone XX/XX/XXXX and I asked to speak to one of the lawyers, I was given the run around and was told someone would reach out to me well this is XX/XX/XXXX XXXX and I have yet to here from them they are nothing but scammers and I wish I could get my money back because they have not done what they said they would do, I had to file Bankruptcy for fear of loosing my house. I thought they were an honest company because they were so nice.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CFPB, per our past attempts to correct Experian 's non sense, non compliance with the FCRA and their willful non compliance to the FDCPA regarding inquiries that we did not approve of nor did we give anyone at XXXX XXXX or anyone else for that matter approval to check my credit report for any reason, and after contacting XXXX   XXXX and they responding with advice to put a credit alert on my reports which I have done, to insure no one checks unauthorized my reports, I've noticed that Experian continues their practice of non compliance to state and federal law. 
This problem needs to be dealt with more harshly because of Experians non compliance with these laws, because as of today XX/XX/ they have done nothing to remove these inquiries that I did not approve of. They haven't shown one shred of evidence that I or anyone in my house approved anyone to look into my credit report, not one shred of evidence, not one signature, not one contract, no nothing and yet they still insist on lying to me and to you concerning this matter. Therefore, we are requesting a strong investigation into the practices of Experian.

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 2018-01-26 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: NV

Complaint narrative:
On XX/XX/XXXX, I filed a charge dispute with my credit card issuer, Chase Bank regarding a charge made on XX/XX/XXXX with XXXX XXXX XXXX, under chargeback reason code 30. ( Failure of XXXX XXXX XXXX to provide service as stated in their service contract to me. 

I received acknowledgement of my dispute from Chase shortly thereafter, however on XX/XX/XXXX, I was advised by Chase that the dispute was closed due to no response from me to phone calls or letters mailed to me. I advised the Chase CSA 'XXXX '' that I never received no phone calls or correspondence from Chase through the pending dispute. XXXX advised me to resubmit the complaint requesting the dispute be opened. 

On XX/XX/XXXX, I resubmitted the dispute to Chase. 

Today, XX/XX/XXXX, I telephoned Chase for a update, since I never received any correspondence or update regarding the re-opening of this dispute. 

The Chase CSA ' XXXX ' advised that Chase did receive the dispute and it has been assigned and they are waiting for a response from the merchant. 

I asked if they ever received a response from the merchant since I initially opened the dispute on XX/XX/XXXX. He could not provide an answer. I asked XXXX, why Chase is not acknowledging my complaint received as required by law. he could not give me an answer. I asked XXXX if they have record of the aledgedly phone calls or letters mailed to me prior to Chase closing the dispute. He could not provide an answer. 

I believe Chase is not servicing this dispute in the time constraints required by credit protection law and request an intervention by the CFPB in this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
I transferred by wire transfer on XX/XX/XXXX, XXXX to Coinbase.com to be able to buy bit coin. The transfer was executed correctly by my Financial institution according to the directions on their website and it was received by the beneficiary bank, XXXX XXXX XXXX. It has not been applied to my online account and when I tried to call coinbase they do not take human calls and require an email to discuss the issue- after several tries to reach them I spoke to a person named " XXXX '' in the fraud department and he sent me email on XX/XX/XXXX saying he was working on the issue. When I emailed back to check status onXX/XX/XXXX I received a automatic reply that the email address I was given no longer accepted direct emails and I still do not have my XXXX back. I called XXXX XXXX and they said the money would be in Coinbase 's account and that Coinbase would have to release it back. They will not respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Good afternoon, I am making a dispute against Regions bank, XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX for making a hard inquiry against my credit report. I believe I was sent a pre-approval offer letter from Regions to me in the mail and was told that ANY pre-approved offers should be reported as a soft inquiry. 

However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet from a XXXX excellent score to a XXXX. Being that I was considering of getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lenders.

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 2018-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Transcontinental Credit & Collection Corp
State: CT

Complaint narrative:
I received a bill from XXXX XXXX dated XX/XX/XXXX, I spoke with XXXX XXXX on XX/XX/XXXX trying to resolve this matter, he offered a settlement in the amount of {$380.00} from the original balance of {$480.00}, I advised XXXX XXXX from XXXX XXXX that I was in contact with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX who should have received my application regarding this bill back in XXXX, I went to XXXX XXXX hospital directly today and drop off my application regarding this account for their financial assistance and XXXX XXXX still insisted me paying the {$380.00} discount price and he ignored the fact that XXXX accepted my financial assistance application and threaten to keep my account in collections instead of reaching out to XXXX to verify the information regarding my account. XXXX XXXX would have not taking my applications if they were not will to work with me regarding this. XXXX XXXX was so insisted on me paying {$380.00} instead of contacting XXXX XXXX. XXXX XXXX billing department put a note on my account stating I dropped off all the necessary paperwork regarding my account so the can see if I qualify for assistance, if not I will make payment arrangements with XXXX where the bill is from

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To whom it may concern, I was a customer with chase slate for many years with no history of any late or delinquent payments. Although i had an open account with them i did not use the credit card for any purchases during 2017, to my surprise my credit score dropped due to a negative report by this chase credit card. When i contacted them I was informed there was an XXXX subscription charge in XX/XX/2017. I informed chase that i had no idea about this charge, as i received no electronic notification of a bill. Furthermore I was unaware of the subscription charge by XXXX to this particular account. Due to such circumstances, and my overall 15 plus year of stellar credit history where i never missed a payment I kindly requested chase to take the circumstances into consideration emphasizing that i had never missed a payment in the past. They refused which subsequently harmed my ability to apply for a business credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 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: DE

Complaint narrative:
I have a collection on my file from XXXX XXXX XXXX ( Account number XXXX ) I disputed this account with the bureaus. They left it on the file. I contacted XXXX XXXX XXXX XXXX to resolve the issue. They told me they sold this account to another company last year. 

The bureaus violated my federal rights by leaving a collection on my file that the company who reported NO LONGER OWNED.

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 2018-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I sold my home on XX/XX/XXXX and was told I would receive a XXXX escrow refund. The first check was supposedly mailed out on XX/XX/XXXX to the wrong address which I dont believe because I got correspondence from them about my account to my new address.I have been calling them since XX/XX/XXXXXXXXBank of america has told me on numerous occasions that they sent the check out to me.I have called them at least ten times and everytime I get a different story the first check was lost they escalated my case the check was reprocessed I was told they would sent the check out via overnight mail on XX/XX/XXXX and they would call me back I never got a call or a check, and I am still waiting as of XX/XX/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 monetary relief
Consumer complaint received 2018-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: AZ

Complaint narrative:
XXXX continues to assign an account to collection agencies that I do not owe. I contacted the last agency XXXX XXXX and told them this account is disputed because the service is still active and has never become delinquent. XXXX was handling the billing for XXXX XXXX and that billing was transferred back to XXXX XXXX. The XXXX XXXX account is currently active and has been for over 8 years. There is apparently some transfer of funds issue that occurred between the 2 large companies but the account has never been past due. Currently ERC is attempting to collect this debt. I thought it was closed back in XXXX of 2017 when I contacted XXXX XXXX and explained the internal billing error between these companies. My next course of action will be to file a lawsuit aginst all parties involved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One incorrectly and unfairly reported me 30 Days late for the month of XX/XX/XXXX on my account ending in XXXX. I moved from XXXX to XXXX last XX/XX/XXXX. Shortly after, I called capital one and informed them of what my new address is. I was advised that my account/information has been updated. I am not enrolled in estatements/paperless billing nor enroled in autopay. I just mail in check payments with my statements. I just found out that not all of my account was updated to the correct current address. Having two accounts with the same company, all my accounts should have been updated and furthermore, I was advised the first time I called them that the address on the accounts has been updated. I made a payment to them last XX/XX/XXXX for the full balance and a representative updated the address just last XX/XX/XXXX. I should not have been late for that month if only my address was updated. It is the creditor 's obligation to update my information with the current and updated information provided to them. They violated the Califonia Credit Report and I am suffering greatly because of these.

Company response to consumer: Closed with explanation