vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-21 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: COLLECTION SERVICES OF ATHENS, INC.
State: FL

Complaint narrative:
Please read this message carefully. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX, XXXX Re : Acct # Fraudulent Accounts reinserted without notifying me To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by XXXX XXXX, XXXX XXXX, XXXX, XXXX, Collections Of Athens in the file you maintain under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered recently that the item has been reinserted on my credit report. XXXX XXXX posted several bogus account on my report to try and get some compensation thinking that I was ignorant enough to fall for it. This is by far disrespectful and misuse of my credit report, several laws we 're broken according to FCRA. I am consider filing charges along with filing a civil law suit at the court house in my county upon the response I receive in 5 days or less. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any  information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the BBB. Please govern yourself accordingly. 

XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.

Complaint narrative:
This is the 2nd time I have had Navient do this to me, I did n't bother calling them this time because I basically get told last time " it is what it is, deal with it ''. They have notified me 2 months ago that they were taking over my XXXX student loan bill ( ONE bill around $ 8k with a 5.8 % interest on it. I have just looked at my Navient account this morning ( XX/XX/2017 ) and can see that they have finally shifted my student loan from XXXX to Navient and they have conveniently turned ( again ) my ONE loan at 5.8 % interest into FIVE DIFFERENT loans with 6.5 % interest on each! How is this legal? I got notification that they were going to take over my one loan at 5.8 % interest, never did they tell me they were going to change that one loan to 5 and tack on a 6.5 % interest to each!
As I said, this is the 2nd time they have done this to me. I finally was just able to get it almost down to 2 loans ( there is around {$500.00} left on one that I was hoping to pay off this month ) from 6 different loans with them from the last time they did this. I 'm really distraught at this point and crying for help.
I also now live in the XXXX which makes it terribly difficult ( and even more costly ) to send money as I have to send the money to my parents, pay them an additional {$20.00} to take that money ( their bank charges them ) and pray that nothing happens to them because XXXX forbid they have an accident, pass away, etc. leaving me unable to pay Navient who insist constantly making it more difficult for me to pay my loans.
I am near tears here, is there anyway you guys can help? I am not at all trying to get out of paying my student loans, I know I went to school and am happy to pay the loan back at a reasonable rate, but I feel like I am constantly being kicked down by these guys and their back-handed methods of trying to find more ways to get money out of me.
I really appreciate any help or advice that can be given. Thank you for taking the time to consider my post above and please accept my sincerest apologies for the long winded-rant. I just find this really distressing. I look forward to any sort of advice/help that can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient is over-charging interest and late fees on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
I obtained a loan from HSBC in XXXX. I asked XXXX because of concerns about fraud prevalent at the time ) and HSBC rep told me that the loan is a government back loan and pointed to " XXXX XXXX '' in the Note he had me sign. Years later when I tried to modify my loan using the XXXX program I was told that the loan was not government back. That was a major setback for me with significant financial damage. I then tried loan modification with HSBC. After a year of run around, constantly asking for updated documents, misplacing documents, making arithmetic mistakes, underwriter mistake, etc., I was offered a slightly modified loan. I have had some questions about the new loan but HSBC has steadfastly refused to answer my questions, and instead send irrelevant letters, form letters, and conflicting notices. I filed a complaint to CFPB hoping that HSBC would act more responsibly and address my questions. It has not. The Letter it sent CFPB is devoid of any relevant information ; it answered none of my questions, and instead issued an ultimatum. I am writing to ask CFPB once again to induce HSBC to provide answers to the legitimate questions I have, and open an investigation of this and similar cases noting that HSBC has had a history of activities and consumer abuse for which it has been heavily fined by the regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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: GA

Complaint narrative:
I am writing in reference to a tax lien that is reporting on my Transunion credit report as XXXX XXXX. This lien has been satisfied and released since XXXX and I have filed numerous investigations in efforts to having this public record removed ; however, Transunion is not cooperating even after a new law stating that they must be removed from the report as of XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2017-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I would not usually complain but enough is enough, this company needs to be held accountable for their actions. It is not the first time my money has been messed around with by this awful organisation. On this instance : XXXX XXXX from Coinbase : A  withdrawal of XXXX ( + XXXX banking fee ) has been initiated. XXXX will arrive in your bank account by XXXX XXXX, XXXX. XXXX XXXX : still no money in my account. Numerous attempts to contact Coinbase 'Support ' have been in vain in the past, you just never receive a reply to your case ; if you do it is from a templated auto-response several days later. They do not have a telephone support option so you feel as though they are hiding from giving answers. They can not be allowed to continue operating in this manner, they have enormous funding and charge exorbitant fees, they can afford to hire a support team. Playing with peoples ' finances is not acceptable. Some examples of horrendous service can be shown in their ( heavily ignored/neglected ) community page : https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Law Offices of Les Zieve
State: CA

Complaint narrative:
This complaint is againt LAW OFFICES OF LES ZIEVE. ZIEVE, BRODNAX AND STEELE, LLP HAS IMPROPERLY AND ILLEGALLY BEEN SENDING US LETTERS AND RECORDING NOTICE OF TRUSTEE SALE DATED XX/XX/XXXX RECEIVED XX/XX/XXXX FOR A SALE ON XX/XX/XXXX. We are with KEEP MY HOME CALIFORNIA FOR MONTHS AND ALREADY RECEIVED THE TENTATIVE APPROVAL AND XXXX  XXXX ALREADY RECEIVED THE APPROVAL LETTER AND HAD UNTIL XX/XX/XXXX and they have failed to communicate with us and keep lying and unethical saying they did n't know about keep my home California offer to bring this mortgage current and pay see are. keep my home California confirmed they sent all paperwork to XXXX XXXX. We had to reapply to keep my home California and working with them again repeating everything again and now this LAW OFFICE OF LES ZIEVE IS TRYING TO FRAUDULENTLY STEAL OUR HOME AND PROVIDED NO NOTICE and never Heard of this company or scam as we are working to keep home with keep my home california SO THERE SHOULD NOT BE ANY TRUSTEE LES ZIEVE FRAUD LAW FIRM XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX TRYING TO BE A TRUSTEE. THIS LAW OFFICE HAS ILLEGALLY AND IMPROPERLY FILED PAPERS WITH RECORDER CONTRA COSTA COUNTY See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I received a notice from my credit monitoring app that my score dropped due to a new collection account. When I logged in, I noticed a collection from Medical Data Systems. I was not notified in writing from this company that they were going to put this on my credit and according to the Fair Debt collection act, I 'm supposed to be given ample notice and time to dispute and research the information. This company did not follow the rules that govern Fair Debt collection practices.

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 2017-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I tried to withdraw the amount of XXXXEUR from my account at Coinbase on XXXX XXXX. They sent me an email mentioning that the withdrawal was initiated and the money would be appearing in my bank account by XXXX XXXX ( plus extra 2-3 working days maximum for my bank to process the deposit ). However, nothing has appeared on my bank account so far. I 've lodged couple of support requests to solve this ( one made on XXXX XXXX, other on XXXX XXXX ), and tried to contact them through their XXXX account starting on XXXX XXXX, yet had I received no answer from both channels. All the dates/time mentioned above are in central european summertime.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: NY

Complaint narrative:
As you can see from the previous 8 complaints I have placed with your company. Lexisnexis keeps saying they verified as correct information In complaints 1 through 6th they had verified me with an address that does not even exist XXXX XXXX XXXX XXXX XXXX NY did they pull that out of thin air? Now they are saying and more complaints would be deemed frivolous, I mean give me a break it took them six times to correct an address on my report as verified proof. They should be called false and misleading information. Now as far as XXXX XXXX XXXX XXXX is this going to take another 6 complaints before they do there job? Here is there response for not doing there job now 8 times.
Please be advised that we have received six previous complaints on behalf of XXXX XXXX disputing the same claim on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and responded on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, respectively that XXXX XXXX was the vehicle operator and the policyholder at the time the claim was filed. Please note that further complaints from XXXX XXXX regarding this claim will be closed back to the CFPB as frivolous, as XXXX XXXX has provided no new information or documentation that could substantiate his. I did n't submit proof the other 6 times other than looking on XXXX to fin XXXX XXXX XXXX did not exist as they claimed as verified proof. Now the only proof I have for XXXX XXXX XXXX XXXX is the home was owned by a XXXX and XXXX XXXX. I do not know these people. Again I want to stress I have never lived at XXXX XXXX XXXX XXXX This is the Ninth compliant lets see how long this takes

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
After discussing how much i make and how much I spend on bills. It was determined that i can still make the payment to them and be left with {$30.00}. Getting paid bi weekly. That is unfair and it 's unrealistic.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Funding is reporting an account on my credit report. I filed for bankruptcy in on XX/XX/XXXX, and my bankruptcy was discharged on XX/XX/XXXX. This account was initially removed from my credit report, but was reinserted TWICE by Midland. It is showing a {$0.00} balance, but should not be showing at all per it is an FCRA violation to reinsert items onto a consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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: GA

Complaint narrative:
TransUnion is reporting a tax lien on my credit report in the amount of {$1000.00} that was discharged in bankruptcy. I contacted the courts and they are not showing a balance owed, but TransUnion continues to report that I owe {$1000.00}. My bankruptcy was discharged in XX/XX/XXXX2017 and all other accounts have been updated, but this account is severely damaging my credit score. XXXX and XXXX are not reporting this account, only TransUnion

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 2017-08-21 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: AES/PHEAA
State: IL

Complaint narrative:
On XX/XX/XXXX - I called Fed Loan Servicing to try to change my repayment plan ( I had been switched to Standard Repayment Plan ) because I had not submitted by tax returns by a requested date ( Fed Loan states they sent me a letter requesting the tax returns but I never received it ). I immediately sent my tax returns in, they stated that in the meantime while my information was being processed, I could ask to be placed into forbearance. To do this I submitted a forbearance request. They stated I would then receive a PAPER bill for a {$5.00} reduced payment. I also resubmitted application for income driven repayment plan. I was told my income driven repayment plan app would not be processed until the XXXX reduced payment was processed. XX/XX/XXXX - called fed loan, told reduced payment of XXXX was still waiting to be processed, told to not make any payments but to call back " in a couple of weeks. '' XX/XX/XXXX - called fed loan stated that they could see the request but there was some unknown problem, they would " push it forward " and I would get the {$5.00} bill now in my email. XX/XX/XXXX -- Called fed loan, stated I had not yet received {$5.00} bill either in email OR in inbox, they stated it would come betweenXX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX -Called fed loan again because I did n't trust them anymore by this point, rep now told me I would get the bill " this week '' and it would be due by XX/XX/XXXX XX/XX/XXXX- called fed loan told them STILL had not gotten any bill. Also told that my application for the income driven repayment plan had expired ( I had submitted it in XX/XX/XXXX but they said it had been pending until the XXXX payment was processed ). I resubmitted a new income driven repayment plan app
lication. I was told to " just go ahead '' and make a {$5.00} payment online and " they 'll know what its for '' despite the fact they had continued to tell me they would send me a bill and to NOT make any payments except when I received the bill. I made the {$5.00} payment. XX/XX/XXXX - Called fed loan told that their system was down and " ca n't see anything '' regarding my application or the {$5.00} payment, told that even though my forbearance period was up, and my bill was going to be due ( likely before my new income based repayment plan was processed ) I could request to extend my forbearance. Told to call back later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
In XX/XX/XXXX I consolidated my XXXX loans because I applied for the PSLF ( Public Student Loan Forgiveness Program ). I worked at XXXX from XXXX-XXXX which is a XXXX XXXX public service company. I qualified for this program so my consolidated loans were transferred to XXXX XXXX XXXX. Under this repayment plan you have to make 120 qualifying payments on a RPAYE Plan and never late. After 120 payments your loan balance is forgiven. I had 20 qualifying payments while being employed at XXXX ( as stated in a letter I received from XXXX XXXX XXXX on XX/XX/XXXX ). Last Friday, XX/XX/XXXX I received a letter in the mail 2.5 years after qualifying for the PSLF Program, that this employer did not qualify for the PSLF program. XXXX XXXX XXXX took away my 20 qualifying payments and it is currently at XXXX. They are stating this is because their compliance department determined that XXXX is not a qualifying company. The is 100 % FALSE and they refuse to work with me to resubmit an investigation. I have documentation to support that XXXX is a XXXX XXXX XXXX public service XXXX company and does in fact qualify for the PSLF Program. You can clearly find on their corporate website XXXX that this is a public service company!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a complaint ( ID XXXX ) with the Consumer Financial Protection Board after multiple unsuccessful attempts to remove an inaccurate item reporting negatively on my credit with Equifax. I just got notification that they have removed said item HOWEVER, I requested an updated copy of my credit report INCLUDING UPDATE credit SCORE once this was removed as part of my complaint and did not receive this. They attached a copy of my credit report but without a credit score. I need an updated copy of my credit report WITH SCORE now that they have finally taken off an erroneous item a year later that has been hurting my credit all this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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: NJ

Complaint narrative:
Hello, I have a business credit card that was closed by XXXX after the business ( XXXX XXXX XXXX XXXX XXXX XXXX ) went out of business. The business ' debt ( roughly {$12000.00} ) is sitting on my personal credit report and is hurting my credit so badly that my once perfect credit is now in the red. I will not be able to purchase a car or a house because this has affected my credit so poorly. I reached out to XXXX and Equifax to notify them that this credit card was a business credit card that was never a personal card. XXXX wiped the card from my personal credit score in a matter of days, however, Equifax did not. Equifax told me that they would not do anything and that I should reach out to The Consumer Financial Protection Bureau and the State Attorney General Office. I have a letter from XXXX who opened the business credit card stating that it is in fact a business credit card and that they do not have a signed application from me. I would like this business transaction wiped off of my personal credit. Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I answered the Debt Collectors in writing and asked for proof of the debt, i.e. signed contract, etc. They replied with another letter stating I still owed the debt, but they were willing to work with me if I started making payments.

Company response to consumer: Closed with explanation