vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion and XXXX are reporting a state tax lien that should have been deleted last year. I have call them to remove this item from my credit report and of this date ( XXXX-18 ) it still remains. XXXX deleted this item last year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have paid off one loan with XXXX XXXX but on my credit report it still shows me owing over {$3300.00} on the loan and the account has not been updated in five months. Another load shows me owing over {$9000.00} when I actually owe less than {$4000.00}. I have contacted all three credit bureaus to try and address this issue with no result. I requested a loan satisfaction document from XXXX XXXX which I have never received. 
None of these agencies are responsive in any way. Instead of addressing your complaint they bombard you with emails for " credit protection services ''. I am now into my second month of trying to get this simple issue address and have made no progress so far. Since the consumer " does not own their credit '' the agencies that manage it should be responsible for reporting accurate information. This is definitely not the case. The government continues to let banks write laws governing their own behavior with no consideration on how it will impact the consumer. I guess if I could buy as many senators and congressmen as XXXX XXXX I wouldn't be having this problem! 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have paid off one loan with XXXX XXXX but on my credit report it still shows me owing over {$3300.00} on the loan and the account has not been updated in five months. Another load shows me owing over {$9000.00} when I actually owe less than {$4000.00}. I have contacted all three credit bureaus to try and address this issue with no result. I requested a loan satisfaction document from XXXX XXXX which I have never received. 
None of these agencies are responsive in any way. Instead of addressing your complaint they bombard you with emails for " credit protection services ''. I am now into my second month of trying to get this simple issue address and have made no progress so far. Since the consumer " does not own their credit '' the agencies that manage it should be responsible for reporting accurate information. This is definitely not the case. The government continues to let banks write laws governing their own behavior with no consideration on how it will impact the consumer. I guess if I could buy as many senators and congressmen as XXXX XXXX I wouldn't be having this problem! 
.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX and Experian are reporting a state tax lien that should have been deleted last year. I have call them to remove this item from my credit report and of this date ( XXXX-18 ) it still remains. XXXX deleted this item last year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 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 — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Escalating Concerns of a Continuing Identity Theft, of ' a Speciality Credit Reporting Agency known, as ' Early Warning.

Inaccurate information Requested for the Removal of Information from the Early Warning Database Systems with 'all Alligences and Alliants, the Dispute or Correct for Accounts in Inaccurate Account Risk, as well as ' Accounts ( 3 and 4 ) plus, years old ', And Inaccurate Errors in Application for a Secured XXXX, that ' are. the Made Causes for a Continuing Identity Theft, prior Addressed in " formal compliant process ''.

Contributor ( s ) XXXX XXXX ( Account Risk ) XXXX XXXX XXXX ( Overdrawn ) XXXX XXXX XXXX AZ XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: MI

Complaint narrative:
I noticed something wrong on my credit report I notice a company by the name of LJ Ross Associates was listed and stated that 2 account was opened XX/XX/XXXX and closed XX/XX/XXXX and I supposedly owe them ( 1st account ) {$70.00} and the ( 2nd account ) {$1900.00} which is not true at all, I have no clue of what this is. So I sent LJ Ross Associates a dispute letter on XX/XX/XXXX no response sent another letter on XX/XX/XXXX thru certified mail and they responded with a letter stating that the account was verified, How? it's not my debt there is nothing with my signature on it making this phony account legit I then contacted my lawyer and she told me to file a complaint with CFPB because the documents they sent me is not valid and those documents does not validate anything so here I am. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A chapter XXXX bankruptcy is being reported on Tranunion, XXXX and XXXX reporting bureaus. I have requested that they remove this item many times from my credit report and to this date ( XXXX-18 ) it still remains.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 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: Nelnet, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Nelnet Attn : Claims XXXX  XXXX : XXXX XXXX, NE XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 

These item late payments from XX/XX/XXXX has been inaccurately been reported to the credit bureau. When I last spoke to Nelnet as soon as XX/XX/XXXX to be place in a Miltatry Forbearance. Nelnet failed to complete the necessary documentation to complete this process, thus making the current credit report inaccurate and incomplete because. I am requesting that the item be removed to correct the information. 

Enclosed is an attachment supporting my position. Please reinvestigate these matters and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
A chapter XXXX bankruptcy is being reported on XXXX, XXXX and Equifax reporting bureaus. I have requested that they remove this item many times from my credit report and to this date ( XXXX-18 ) it still  remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A chapter XXXX bankruptcy is being reported on XXXX, Experian and XXXX reporting bureaus. I have requested that they remove this item many times from my credit report and to this date ( XX/XX/XXXX ) it still remains.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On was scheduled to buy litecoin, {$50.00} worth it was pedning for days with a scheduled day of XXXX 2018 Saturday. My account buy were XXXX and the transaction never went through. On XXXX XX/XX/2018 i called to ask why was my buys XXXX and they told me they would have it fixed shortly. Now the transaction have went away im out of {$50.00} and i cant buy anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX XXXX In partnership with XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TransUnion received your request on XX/XX/XXXX and they are currently processing it. TransUnion normally responds to dispute requests within 30 days, and often within XXXX days. When the investigation is completed, we will provide you with a response and/or a copy of your updated credit report to notify you of the results. 
If you have specific questions regarding your dispute request or need to submit additional information, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX. 

Mail : TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX Phone : XXXX Monday - Friday Hours : XXXX am XXXX pm EST Closed on major U.S. holidays Bankruptcy Reported on XX/XX/XXXX Dispute Reason Accuracy : This public record contains multiple inaccuracies, please verify accuracy of all data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Capital One Attn : General Correspondence XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I have attached a credit report with the items.CAPITAL ONE BANK USA NA # XXXX and CAPITAL CAPITAL ONE BANK USA NA # XXXX These items has been paid off from collections and have yet been removed from my credit report after agreed that it would be removed after the collections was paid off. When I last spoke to Capital One XXXX of XXXX to be removed after the debt was settled. Capital One failed to complete the necessary documentation to complete this process, thus making the current credit report inaccurate and incomplete because. I am requesting that the item be removed to correct the information. 

Enclosed is an attachment supporting my position. Please reinvestigate these matters and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I went to emergency room in 2014. I was misdiognosed given the wrong antibiotics and was back in the ER a month later. I had not recieved a bill from the hospital and found out a collection agency had put every bill on my credit ruining my credit. every year since they total the bill up change names and put it on my credit as a new debt. It went from a {$1000.00} to almost {$10000.00} now. Ive tried disputing this with yet any results from the same credit companies giving away our info. what can do? In the past I paid a debt collector in full 10x the amount of the original bill and it had no effect on my credit It stayed for 7 years. These agencies now are changing names and every year acting as a new bill and adding to each other. I didnt even think medical bills were supposed to damage a persons credit being nobody expects emergencies and noone can afford there bills. One of my bills is {$500.00} for for someone bringing paper towels. one is {$500.00} for someone bringing a towel. I know that is another issue and the towel person has to maintain a luxurius lifestyle while I poor down sweat everyday taking care of a family barely surving, But collections destroying peoples lives by holding a persons lives XXXX and fraudualant tactics of robbing people and giving nothing in return should be dealt with very harshly for the safety of the public.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Chase debit card was compromised and card and pin were used to purchase a money order at XXXX XXXX XXXX XXXX CA XXXX even though card never left my possession and I have never been to this post office. This occurred on XX/XX/2018 at XXXX pm. I received a email alert from Chase, I contacted Chase right away and they credited funds to my account and about a week later reversed my credit and said I was liable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BlueChip Financial
State: NJ

Complaint narrative:
In XXXX I applied for a Payday loan with XXXX  in the amount of {$500.00} at a 390 % APR. At the time was unaware that in NJ paydays were not legal due to usury limitations. 
In XX/XX/XXXX I submitted a complaint with CFPB - complaint # XXXX since the loan had been sold to a third party debt collector who offered information that was inaccurate along with negative FCC reporting. 
XXXX did respond to the complaint, and stated they were undertaking to but back the loan, and once XXXX received ownership of the debt XXXX   would forgive the debt and settle account in full. 
However, I have received a document from WRA ( XXXX XXXX XXXX XXXX XXXX ) stating I owe {$500.00} from the original creditor being XXXX   with a balance of {$500.00}. Also, they have labeled this debt as an EDUCATION LOAN. This is not only misrepresenting the debt .. it is also an inaccurate amount. 
I would appreciate clarification in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Operator XXXX for XXXX bank admitted to using an unknown number because You never answered our calls but you did answer an unknown. XXXX bank has called numerous times in a day including while I am at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My tenant has been using XXXX to transfer funds from her XXXX XXXX account to my Bank of America account since XX/XX/2017 without a hitch. The funds have been transferred within minutes as per the marketing claims, until last month. Suddenly, whenever she transfers the rent money the funds are being delayed. I called Bank of American about this last month and the guy said it sometimes takes up to XXXX hours for a transfer from another bank to go through. Then, almost as soon as I got off the call, my money was released into my account. 
They held the rent transfer again this month. When I tweeted BofA_Help about it they didnt respond, so I called this morning. Today, they said it takes one to three days for transfers from another bank. I informed them that I checked both their web site and XXXX and they both say the same thing. Transfers from new registrants may take one to three business days. I asked for an explanation as to why only these transactions are being held and they couldn't give one. There has been no change in the tenants bank so she did not have to re-register for XXXX and there is no reason for them to withhold my funds. 
For the record, other transactions from this same person have gone through without a problem within the last two weeks. Also, I have no problems receiving funds via XXXX from people who bank at XXXX or other banks. All of those transactions have gone through without a problem so their foolishness about transfers from other banks taking one to three days is absolutely not true.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2013, XXXX days before the DOJ announced its landmark $ XXXX settlement of the Chase XXXX Lawsuit, JPMorgan Chase Bank, N. A., outsourced the servicing rights to hundreds, ( and possibly XXXX ) of DOJ-designated " Toxic Mortgage '' loans, originated by the Chase-Direct Non-Prime Lending Center. The net-effect of this clandestine " Eleventh-Hour Maneuver, '' was that these newly-outsourced " Toxic Mortgages '' ; including Mortgage Numbers : XXXX, contained in RMBS : JPMAC XXXX, were then ineligible to receive consumer relief under the $ XXXX Consumer Relief Provision, of the $ XXXX Chase XXXX Settlement with the DOJ. The net financial benefits of this fortuitous outsourcing maneuver to JPMorgan Chase Bank, N. A., is  unknown ; however, the end-result was that it allowed the defendant in this lawsuit, to designate the lien-holders to which this $ XXXX " restitution '' was to be given. This unprecedented act of the DOJ to allow the defendant of a lawsuit, to designate who the recipients of the monetary damages awarded, is like " allow the Fox to Guard the Hen-House '' ; however, even now, XXXX years later, no federal fair XXXX XXXX XXXX has registered a single-comment on behalf of the mostly XXXX Americans lien holders of the tens of thousands of Chase-originated " Toxic Mortgages ; and it is clear, that this is been interpreted " as a blanket-vote of approval by these agencies regarding this XXXX of justice to these XXXX American Lien-Holders ''. To emphasis this point : It appears that some form of bail-out, restitution, relief or other form of compensation has been offered to corporations and consumers adversely affected by the " criminal, felonious acts of major financial services institutions and National Banks during this period of sheer madness during the past decade ; however, economic indicators, in particular : home ownership rates for XXXX American consumers, have not recovered, and frankly, may never recovered to the levels which existed before the real estate collapse of XXXX. When JPMorgan Chase and Company were named the " XXXX '' of the XXXX consumer relief that was assessed by the DOJ, they had a unique to " right some of the wrongs '' done by them with no additional fines or levies ; however, they chose to do just the opposite by conspiring with its business partner XXXX to deprive lien-holders of Chase-originated " Toxic Mortgages '' with the consumer relief that they deserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX, WA XXXX Former XX/XX/XXXX I did not live here in 2015 in fact I still lived at XXXX XXXX XXXX XXXX. XXXX XXXX Wa, XXXX XXXX XXXX XXXX XXXX Current Currently the XXXX at XXXX XXXX XXXX   XXXX  XXXX WA Account Number Account Status PAYS_AS_AGREED Available Credit {$2200.00} Reported Balance {$1100.00} Debt-to-Credit Ratio 54 % This is a duplicate account

Company response to consumer: Closed with non-monetary relief