vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-27 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:
A month or so ago, I contacted XXXX  to let them know that they were reporting my account with XXXX XXXX as " OPEN '' with a high balance, when in essence, the account had been closed in XX/XX/2017. I faxed them a statement, " PROOF '', from XXXX XXXX that proves the account was " CLOSED '', and that XXXX  XXXX had advised me on that statement, that they would alert all 3 credit reporting agencies, that my account was in a " CLOSED '' status. I even faxed proof to XXXX. In the interim, they emailed me that the dispute had been " resolved ''. When I went in to check the dispute disposition, I discovered that XXXX had " DELETED '' my XXXX XXXX account from my credit report file. I did not ask them to " DELETE '' my entire credit history with XXXX XXXX. They can not legally do that as if I never had a 4-year pristeen credit history with the company. I asked them to change the " OPEN '' status, showing I owed XXXX XXXX about {$6000.00}, to " CLOSED ''. XXXX  XXXX is an angry, vindictive corporate entity that wishes to hurt my excellent credit in any way that they can because I terminated my relationship with a horrific company with an exorbitant APR that had been " sucking the life out of me '' for years. My credit report has to be returned to the correct current status.

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 2018-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
The company, Portfolio Recovery, has been calling my number for 6 months from different phone numbers on a daily basis. I know that it is this company because when I looked up the numbers on the XXXX app, it recognizes that the phone number listed is a " spoofed '' number. They are using phone numbers that have the same area code and prefix or using phone numbers that belong to different companies. On XX/XX/18, they called using the number ( XXXX ) XXXX which belongs to XXXX XXXX ; ( XXXX ) XXXX. In XXXX, they called using the following numbers ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. In XXXX, ( XXXX ) XXXX. 

If I owe them, I have yet to receive a written correspondence via mail. I refuse to answer calls of numbers that I do not recognize due to the many phone scams that are currently being reported on the news and consumer reports sites. When they call, they never leave a message. According to the XXXX app, they several people have complained that they are spoofing numbers, calling people with debts that do not belong to the person called, rude representatives, and calling without leaving messages

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: SC

Complaint narrative:
Company is stating that I owe an apartment complex. I have never resided at this community or had utilities at this particular location. I have reached out to the property management company, which stated they had no record of a lease due to new ownership. I also attempted to dispute the claims but have failed. They just state I owe an outrageous amount and that it needs to be settled.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Hi on the i sent XXXX Ethereum from my digital wallet on XXXX  to the ether wallet on my account on XXXX. It still hasn't shown up and i have been sending daily Emails asking for help as this is XXXX worth of aud and pretty much all my savings. XXXX has been great helping with proof of the successful transaction, which i have offered to provide to coinbase on multiple occasions but still no response. I have also tried calling there American number but i can never get through and this is costing me a lot of money each attempt as i live in XXXX. I am desperate and this is heavily effecting my mental health, and just can't understand the lack of support from such a big company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a notice from Bank of America and gave me a XXXX. The account was settled less than the full balance. Bank of America ruined my credit. They have violated FCRA and robbed me of my rights to access/acquire credit by reporting incorrect information. They are continuing to report a balance and past due balance, They are continuing to report late payments as well.This has been damaging my credit and is a clear violation of the law. Attached herewith is a copy of letter I received and a screenshot of 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 2018-01-27 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: MI

Complaint narrative:
XXXX  and Experian has continued to report an inaccurate and unverified bankruptcy that has no accounts included to support it. I have sent in notarized dispute letter after dispute letter with a document from the court stating that the federal bk court does not furnish any information to credit reporting agencies. XXXX XXXX is suppressed. They will not provide me with any verification of proof that I have requested. One rep from Experian told me over the phone while checking on a dispute that they don't have to provide anything to me. I said that's a violation of section 609 and you have up to 15 days to delete this bk but she 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 2018-01-27 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: HCFS Healthcare Financial Services of TeamHealth
State: WV

Complaint narrative:
I am a XXXX deploying soon. I want to purchase my house before I go. I checked my credit report and discovered a collection for {$1000.00} listed by XXXX XXXX XXXX ( XXXX in XXXX, FL ). I contacted them and they were very rude and hateful. I asked for the CEOs name ; I was refused. I asked for a fax number was refused. I then contacted the hospital, XXXX XXXX in XXXX XXXX, WV and they have been helping me to figure this out. I called my insurance from the debt ( an ER visit in XX/XX/2015 ), who was XXXX ( XXXX XXXX XXXX XXXX ). They said they had paid the hospital, paid for my XXXX and every bill submitted. Not once did they receive a bill from the physician. I did a lot of leg work and phone calls and found out that the physicians group, XXXX XXXX XXXX XXXX, had billed XXXX and not XXXX. THAT was why they did not get a payment. So instead of XXXX contacting me, they turned me over to XXXX collections. I admittedly have not checked my credit the past two years so I was unaware of this false listing. It is not my fault the wrong insurance was billed. It is not my fault ARS refuses to let me provide them a letter from the Governor of WV stating I had XXXX  coverage then. It is not my fault they will not send a bill to XXXX, who says they will immediately pay and end this matter. NO, XXXX is a hateful F rated company who enjoys making others suffer. I feel this needs to be off my credit reports immediately. I have filed a complaint with the Federal Trade Commission and am considering legal action. I was told as soon as this debt is off my report, I get my loan. I have pleaded and begged ... no more! I am tired of being talked to like a dog and no cooperation. I was even told by a XXXX XXXX that only the physician could remove the debt. I have recently discovered she is not even in the US anymore. So how are they being fair? Enough!

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 2018-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: AZ

Complaint narrative:
I have fallen behind on payments. The company XXXX XXXX left a green note at an address of a friend with no name just a reference number and phone number to call. The friend called the number and the women told him they were looking for me to collect my vehicle. He advised her that he was not me and to contact me and she advised him they were trying to contact me by leaving the note. The issue is they advised him that there were collecting a debt and told him my name and make, color and model of car. This person is not on any of my title loan information. They just provided my info because he called the number that was left on his door that did not state who the information was for but upon calling he was given the info and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
University XXXX XXXX reported a charge to the credit bureaus but failed to send signed contacts and documentation when i requested it. They school emailed me a statement validating that i was once a student there however they did not validate the right to report the debt and a signed contract was not sent. I have paid in full invoices from the school in my 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 explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I applied for the XXXX  XXXX XXXX and was told I would get XXXX miles and a free companion ticket. I did not receive these. When I followed up everyone kept telling me to wait. I followed up again as was told I would not receive this at all. I was still charged the {$50.00} account fee even though I did not receive any of the benefits. I cancelled the card and asked for a refund, or even a prorated refund, of the account fee and it was refused. I don't see why I should pay for an account fee when ( 1 ) I don't receive the advertised benefits and ( 2 ) I don't keep the card for the full length of time. I should get a full refund for the account fee, but at a minimum I should receive a prorated refund since I am not keeping the account for the full year. Additionally, you should look into the shady and misleading practices of Bank of America. When I apply for a particular card and am approved, I should not get moved to some other program without my permission and it certainly should not be a bait and switch, misleading situation.

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 2018-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
In XX/XX/ my vehicle was repossessed and I was verbally told I can redeem it as long as I paid a certain amount by the XX/XX/XXXX. I in fact paid it and was then told I needed a release to obtain my vehicle back. After several calls I finally received the release but when I called the auction where my vehicle was being stored for whatever reason they kept telling me they were closed, never received the release and I have to call several days later to make an appointment to retrieve my vehicle back. It now is days later and after several calls to the lien holder I still have no vehicle and since have lost my job since I have no way to work. Also I never received the statuory proper notices by mail per the NJ repo law stating they repossessed the vehicle.

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 2018-01-27 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: DISCOVER BANK
State: MS

Complaint narrative:
The inquiry was on XX/XX/2016 Discover XXXX XXXX, DE XXXX ( XXXX ) XXXX A credit inquiry was performed, and I did NOT authorize it. 
I notified the company, and they claimed they did not see it on their end. XXXX XXXX gave me the run around on removing the inquiry from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 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: Midwest Acceptance Corp.
State: FL

Complaint narrative:
I had a car loan with the company Mid West Acceptance. The vehicle I had I traded it in a a dealership for a new vehicle XX/XX/2014. Mid West Acceptance Marked me late on my payment for A payment when I no longer owned the vehicle. I spoke with a supervisor at Mid West Acceptance and he stated I got a late payment on my credit because of the dealership I traded the vehicle into.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX. In XX/XX/ I notice that someone had done several withdrawals from my checking account funds were missing I call to make a compliant spoke to XXXX from chase bank in XXXX then received a letter that no errors had occurred I request that my funds be restored ... thank you. Date XXXX ... XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO

Complaint narrative:
Without knowing how close our loan was to payoff, we sent a payment this month, which my bank told me it was putting back into my account, saying " it was returned to our processing center due to the payee 's refusal to accept the payment. '' We assumed it was because the amount we sent was over the owed amount. We never saw a statement for XX/XX/XXXX. 

I called Citizens One regarding my account, and they told me that the final payment of the loan has to be sent to a different address. He told me he couldn't take the late fee off without the payment being up to day ( which was already more than the amount we had sent ). He told me he couldn't take my payment, that he'd have to send me to the automated system. I went back through the automated system, and it didn't recognize my account number. I tried to create a username on their website, and it wouldn't recognize my account number. 

I have never heard of a loan company needing the last payment sent to a different address. My last auto loan didn't have that. My wife 's school loans through XXXX XXXX  weren't that ridiculous. All I can figure is that they want to squeeze every little % and late fee they can from us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-27 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: FL

Complaint narrative:
A month or so ago, I contacted Equifax to let them know that they were reporting my account with XXXX XXXX as " OPEN '' with a high balance, when in essence, the account had been closed in XX/XX/. I faxed them a statement, " PROOF '', from XXXX XXXX  that proves the account was " CLOSED '', and that XXXX XXXX had advised me on that statement, that they would alert all 3 credit reporting agencies, that my account was in a " CLOSED '' status. I even faxed proof to Equifax. In the interim, they emailed me that the dispute had been " resolved ''. When I went in to check the dispute disposition, I discovered that Equifax had " DELETED '' my XXXX XXXX account from my credit report file. I did not ask them to " DELETE '' my entire credit history with XXXX XXXX. They can not legally do that as if I never had a XXXX pristeen credit history with the company. I asked them to change the " OPEN '' status, showing I owed XXXX XXXX about {$6000.00}, to " CLOSED ''. XXXX XXXXXXXX is an angry, vindictive corporate entity that wishes to hurt my excellent credit in any way that they can because I terminated my relationship with a horrific company with an exorbitant APR that had been " sucking the life out of me '' for years. My credit report has to be returned to the correct current status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I submitted a request to validate a debt. I disputed this debt based on the fact of it not being my account. I received a response and was told to contact the creditor. I had already contacted the creditor and they sent billing statements in which does not validate the debt as belonging to me. Upon calling the debt collector I was asked the account information and I gave the account info as it was listed on the credit report. The representative asked me was the last 4 of my social XXXX and I immediately yelled out NO my social is XXXX. As he was typing ( I could hear this in the background ) he advised me that he had to forward me to the dispute department, that was all he said before he transferred my call. When my call was answered by the representative who gave me the name of XXXX I went on to explain my situation to him and then he informs me that the social on the account was now my social after I had just given it to the previous representative that told me the last 4 of the social on that account was XXXX. I was livid because this representative has now fraudulently attached my social to this collection account. XXXX placed me on hold to speak with his supervisor in which he told me her name was XXXX was going to go back and listen to the recording to verify whether or not my social was indeed added to the account and also to confirm the last 4 I was told by the previous representative. Needless to say I was not called back but the account status was changed on Transition to closed instead of being deleted from my report. It still remains as an active collection on the other bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: CA

Complaint narrative:
XXXX XXXX of XXXX XXXX, CA is a loan agent for PrimeLending in XXXX, CA is performing illegal mortgage loans by switching social security numbers of clients with good credit with those of his friends and family members so they will get approved. One family member I am aware of is XXXX and XXXX XXXX of XXXX XXXX, NV and XXXX XXXX, CA. XXXX XXXX also performed a false evaluation in 2006 for a XXXX XXXX XXXX XXXX XXXX, CA. He appraised the home for a considerably low amount and then sold it for a much higher price. I am aware that he switched appraisals with one of three homes in XXXX XXXX County at the time. One was in XXXX XXXX, CA. I have reported this to his employer and the XXXX XXXX County Assesor. I am also aware that he uses his clients information to open lines of credit for his own personal uses.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I have called my credit card Barclays multiple times to complain about unsolicited marketing mail. This includes 0 % balance transfers and other garbage.

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 2018-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had a car loan with the company XXXX XXXX XXXX. The vehicle I had I traded it in a a dealership for a new vehicle XXXX  2014.  XXXX XXXX XXXX Marked me late on my payment for A payment when I no longer owned the vehicle. I spoke with a supervisor at XXXX XXXX XXXX and he stated I got a late payment on my credit because of the dealership I traded the vehicle into.

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