vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-04 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: GA

Complaint narrative:
On XXXX XXXX, 2018 I checked my credit score with XXXX and my Equifax score had dropped 18 points, although my XXXX report had gone up by one point. So how does one report drop you 18 points while another raises your score? I called Equifax and spoke to someone named XXXX ( probably not his real name ) from the XXXX. We had a SERIOUS communication problem. When I ask why my score had dropped, he put me on hold for over five minutes. He came back and said that it was due to a XXXX bill that had been paid off A LONG TIME AGO. and he could give me no other explanation. He said that XXXX XXXX uses a different software than Equifax and that their scores may not be accurate. I asked him what was my score and he wanted me to pay him {$7.00} to tell him. {$7.00} for him to tell me my score? It is enough that our information has been compromised, but to charge me to find out my score is nothing more than a rip off. I am a XXXX veteran and a XXXX XXXX and I am trying to buy a house, using my VA benefits and this drop in score is hurting me. I am current with all my bill and have been for well over a year. I think that all three credit reporting agencies should be regulated by the federal government. They 've got too much power to hurt Americans who have served this country, only to be controlled by someone in another country. RIDICULOUS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX has harassed me by repeatedly emailing me ; XXXX XXXX was the name used in these harassing emails. He emailed almost on a daily basis. Emails were inappropriate and threatening while also suggesting he was " watching '' me. XXXX XXXX has charged me a ridiculous amount in fees. I had a credit card bill from them in the amount of {$700.00} and had paid $ XXXX-XXXX and within the next month my bill turned into {$650.00} dollars which was completely wrong and I refused to pay it so they started emailing me almost daily for over a year threatening to take legal action but their emails were worded so inappropriately it made me feel uncomfortable as if they were hacking into my email box and could see I was reading their emails without responding. They emailed me from in the year XX/XX/XXXX to partially XX/XX/XXXX. Emails were saved due to their threatening nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
On XX/XX/17 I sent communication to the company requesting that they validate the debt as I do n't recall having this account. Because of the possibility of this account being a product of identity theft, I asked them for a copy of the original business transaction that binds me to this debt ( Per Section 609 ( e ) of the Fair Credit Reporting Act ). 

The company proceeds to respond to me that they have verified the debt, provides a statement from the original company that explains how the charges were accumulated, however does n't show any original binding contract that I agreed to, which I am well within my rights to request. 

It is unfortunate that a company can not furnish the information requested, but is easily able to apply it to my credit report without any reasonable explanation. This has caused me time and money due to my attempts at purchasing a home with lower interest rates.

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 2018-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
Hello, I have 2 wire transfer withdraws that have been initiated through a cryptocurrency company called Coinbase in which i sold Bitcoin through them at market price to deposit in my checking account. Both of these wire transfers withdraws were initiated XX/XX/XXXX and show completed XX/XX/XXXX on their website. However both of these wire transfers have yet to be posted to my verified XXXX checking account. It has been 15 business days, way too long, even with the 5 business day delay for wire transfers they state on their website. Keep in mind they also charged {$25.00} dollars each for wire withdraws which have not been processed in a timely matter. I already have a support ticket that has been open for over 2 weeks thate has yet to be resolved, Case ID : XXXX. One wire transfer was for XXXX Bitcoin ( BTC ) for {$220.00} that shows completed on XX/XX/XXXX, reference code XXXX. The other was for XXXX Bitcoin ( BTC ) for {$240.00} that shows completed on XX/XX/XXXX, reference code XXXX. 

My Email for reference is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I got a XXXX XXXX credit card ( XXXX ) a few years ago which was only supposed to cost ~ $ 50/year. Since then, I have never used the card I probably had to pay $ 500+ in fines, late fees etc. Several times I logged into their website and put my bank account for automatic payments. Also did the same by calling them. But every few months I get a letter which shows a {$40.00} late fee for a {$2.00} min fee that I failed to pay. I do n't want to pay late fees for automated {$2.00} payments that failed to process The company which is managing this card ( XXXX ) is a completely incompetent scammer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit is being destroyed by medical bills even though I have had insurance in the past year and had no idea that that would stop me from getting my financial life in tact and steady

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 2018-01-04 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
This complaint is with XXXX XXXX, for my XXXX XXXX account, account ending in XXXX This account was charged off/written off. After it was charged off, I contacted XXXX  to pay the balance off and that 's when they told me it has been charged off, but offered me a settlement amount, which I declined, because I wanted to PAY IN FULL, because I needed this account deleted from credit report, as I am trying to buy a house, as I explained to my account manager there, XXXX XXXX, ext XXXX. She said once the debt is paid to send a letter to their credit dispute reporting department to have it removed from my report. when I contact them to dispute, the only thing they keep doing is updating the status as " paid collection '' I also was told I would get a paid in full letter, but I have not got one yet, so I called my account manager again XXXX to ask for one and her words were " oh you have not gotten one yet, ok I 'll get one out to you '' Since I paid this account in FULL, I am no longer responsbile for this debt Also, XXXX still collected the full balance on this account from me after they had already written it off as profit and loss, so they got double paid. I am asking once again for XXXX to please delete this account off all three credit reports, as I have paid my debt in FULL and they were compensated twice, when they wrote this account off as profit and loss and their taxes and when I PAID THEM IN FULL. I am still waiting on my PAID IN FULL LETTER, so I can have in case I need to further dispute this account by other means,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
In regards to our loan with Ally Bank and serviced by XXXX XXXX, we were approved for a short sale in XX/XX/XXXX. This was after one year of multiple submissions of paperwork and then the need to escalate to the President 's Office at XXXX XXXX to gain final approval. 

For the record, on multiple occasions and even after escalation, the Real Estate Agent representing the property struggled with XXXX XXXX to provide up to date and accurate information. Specifically, and on more than one occasion, the Real Estate Agent was denied access to the loan information even though approval had been provided formally by the property owners with the submission of necessary paperwork to allow access. And, while the President 's office was responsive to our needs the " left hand did not know what the right hand was doing '' and the communication was lacking and in some cases contradictory, i.e., the information provided by the Customer Service Department and the President 's Office was not the same. 

Specifically, as an example of the lack of accurate and necessary communication, on XX/XX/XXXX and XX/XX/XXXX, the representing Real Estate Agent spoke with both the Customer Service Department and the President 's Office at XXXX XXXX and was not informed that the approval for short sale had expired on XX/XX/XXXX. 

In regards to this, the policy automatically becomes foreclosure 14 days from the expiration of the short sale approval. While the representing Real state Agent was able to garner a 1 week extension they were still not informed, in any conversations on XX/XX/XXXX or XX/XX/XXXX, the short sale approval had expired. Their was no specific reason provided as to the reason the property was going into foreclosure. 

To summarize our position, if XXXX XXXX had informed the Real Estate Agent that the short sale had expired, the necessary paperwork for resumption of the short sale could have been provided and the automatic 14 day foreclosure policy would not have come into play. 

Finally, we have provided to Ally Bank through XXXX XXXX a legitimate sale offer but Ally Bank not understanding the issues with XXXX XXXX has refused to rescind the date of auction. 

In the end, we are asking Ally Bank to rescind the foreclosure and to remove the property from auction on XX/XX/XXXX and to consider the sale offer. 

Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: LA

Complaint narrative:
I received my credit report for all three bureaus and noticed that Security Credit Services was reporting that I owe a charge off balance of {$1100.00} for a Company called XXXX leasing company. I only leased an amount of {$530.00} for a furniture company called XXXX XXXX XXXX, and I have paid XXXX XXXX over {$600.00}. for the lease and was told by XXXX that my by out amount was only {$140.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX Customer Support p : XXXX | XXXX f : XXXX | XXXX XXXX : XXXX m-sat : XXXX XXXX est sun : closed Purchase was made XX/X/2016 for {$530.00} Reporting to credit bureau Security Credit Services {$1100.00} Security Credit Services XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 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: MI

Complaint narrative:
2nd request* I the consumer declare that in XX/XX/XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed there were many accounts and hard inquiries I did not open or recognize and did not authorize and origination dates that are clearly erroneous. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission since XX/XX/XXXX to XX/XX/XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.

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 2018-01-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LOAN TO LEARN
State: VA

Complaint narrative:
XXXX loan has been paid in full and need to be removed from my credit report. Debt is reporting negatively on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 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: MI

Complaint narrative:
Experian stated from previous dispute X/X/2018 that majority of the accounts that I stated are not mine, provided proof they were not mine, Experian is saying they were verified. There is no way that the accounts could be verified as mine because I was the victim of identity theft. Experian deleted four accounts on that ground but want to validate the others. Experian is in complete violation of protecting my private information that I did n't give them permission to share in the first place. Also, because Experian falsely reporting on my credit, failed to follow reasonable procedures, and failed to conduct reasonable reinvestigation with respect to the inaccurate credit information. I contacted the Court about the false bankruptcies and they stated that Experian did not contact them concerning the Bankruptcies falsely reporting on my credit report. So, Experian must have verified false information with a third party which is also a violation for misrepresenting to me that you contacted the actual creditor when you did not.

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 2018-01-04 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 — Other problem getting your report or credit score
Company: Ditech Financial LLC
State: HI

Complaint narrative:
I filed a complaint almost two years ago that the mortgage company was not reporting my mortgage to the credit companies. Their response was that they are working to fix this issue. They have yet to fix their system to be able to report on the three owners of the property.

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 2018-01-04 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: LOAN TO LEARN
State: VA

Complaint narrative:
LOAN TO LEARN ACCOUNT IS NOW IN COLLECTION WITH XXXX XXXX IN XXXX VA. I CURRENTLY HAVE A PAYMENT PLAN WITH THEM, AND HAVE BEEN PAYING ON TIME MONTHLY. SINCE THE LOAN IS NOW IN COLLECTIONS, AND IS NO LONGER WITH LOAN TO LEARN, THIS INFORMATION SHOULD BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX SHOULD BE REPORTING MY PAYMENTS SINCE MY ACCOUNT IS NOW WITH THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 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: AES/PHEAA
State: CA

Complaint narrative:
The dates for which this loan was applied for was in XX/XX/XXXX. I was signing up for vocational training at XXXX XXXX in XXXX, California. Only went through the admissions and financial aid process. Informed school I would not be attending and federal loan was never used. I have been sent multiple letters in the mail as recent as XX/XX/XXXX stating I could be forgiven for the loan I borrowed, but I never borrowed the loan. Never saw a cent of it and never went attended a single day of school at XXXX XXXX. XXXX XXXX XXXX reports my to my credit report three different loans being accounted for ; Listed as two accounts being opened XX/XX/XXXX and being closed on XX/XX/XXXX, and another account being opened XX/XX/XXXX and being closed on XX/XX/XXXX. I have filled out their return letters stating I have never used their loan and to please remove the accounts from my background, but it remains on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On several different occassions I have submitted disputes pertaining the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Credit Card. 
XXXX XXXX Credit Card has reported my account closed and as a charge-off. This account has been sent to a collection agenc for collections. Under the FCRA, the account balance shoudl reflect as a " XXXX '' balance. I have disputed this account several times but the three consumer reporting agencies does not request validation from the original creditor. 

XXXX XXXX XXXX This account has been reported on my credit report as charged-off and closed as of XX/XX/XXXX. I have been contacted by an outside collection agency who has reported that they have purchased the account. Under the FCRA, the account balance should reflect as " XXXX ''. This has been dispiuted several times but XXXX has not provided validation to show who specifically owns the rights to the account. 

XXXX XXXX XXXX This account has been reportd as a charge-off as of XX/XX/XXXX. I have been contacted by an outside collection agency regarding this account. Under the FCRA, the account balance should reflect as " XXXX ''. This has been disputed several times but XXXX XXXX XXXX to show who specifically owns the rights to the account. 

XXXX XXXX XXXX This account is an auto account for a vehicle purchase that took place in late XX/XX/XXXX. The loan was paid in full in XX/XX/XXXX as apart of a purchase of a new vehicle, When i reviewed my credit report it stated that the current account status was 30 days past due instead of the account being current and paid. The worst account status was a 30 day late payment that took place in XX/XX/XXXX, but the overall account status should be current because the balance was paid off and the account was closed with a XXXX balance.

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 2018-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
Dear sir or Madam : I am writing because I need your assistance seeking a resolution for unauthorized purchases on my American Express Serve Prepaid Card. I loaded {$500.00} XX/XX/XXXX and {$250.00} XX/XX/XXXX to take advantage of the up and coming online discounted merchandise after the Holiday season. I received a Fraud Alert directly to my cell phone XX/XX/XXXX inquiring did I recognize the attempted purchase at XXXX XXXX in the amount of {$170.00} I immediately responded indicating NO in fact, I sent 6 separate messages stating the attempted charge was NOT authorized. That same day XX/XX/XXXX I followed up the text messages with a call to American Express customer service. I explained apparently my card was lost because I did not have it in my possession and I did not attempt to make a recent purchase. The American Express agent advised there was numerous pending transactions on the account but may take a few days to complete. I immediately requested the American Express card to be cancelled. I was informed the card was reported lost, cancelled, a new one would be issued and I would receive a dispute form via email. I just needed to fill out the form accordingly and return within 10 business days. I received the Declaration of Fraud Form via email XX/XX/XXXX. 
I promptly returned the form XX/XX/XXXX answered all pertinent questions, and indicated the following purchases were unauthorized. XX/XX/XXXX XXXX # XXXX XXXX XXXX, XXXX amount {$69.00}, XX/XX/XXXX XXXX # XXXX XXXX XXXX, XXXX amount {$23.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX amount {$34.00}, XX/XX/XXXX XXXX # XXXX XXXX ON amount {$110.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX amount {$63.00}, XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX amount {$120.00}. I am requesting unauthorized purchases of {$390.00} including but not limited to Fee for Foreign Transactions in the amount of {$10.00} and any other charges associated with these unauthorized purchases be refunded immediately. The XXXX charge in the amount of {$34.00} on XX/XX/XXXX was a recurring purchase also charged XX/XX/XXXX. I was able to resolve this discrepancy directly with the merchant. I am shocked and appalled American Express would have the audacity to send an electronic letter XX/XX/XXXX indicating and I quote Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized Our financial institution ( s ) have hit absolutely rock bottom Logically am I to think there was a thorough investigation conducted all within 8 hours? Moreover, I reside in XXXX, Iowa USA these unauthorized purchases was in XXXX, YES, XXXX!!! Please assist in resolving this concern. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief