vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-07 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: NC

Complaint narrative:
I have an XXXX XXXX which was closed in XX/XX/XXXX. It is being reported as Inactive rather than closed by Experian. I have contacted Experian several times over the last 2 years and nothing gets done except they reply back with - " meets requirement of the fair credit reporting act. However, they are using it to lower my credit score based on an inactive account. I have opened numerous disputes with XXXX over the last 2 years, and it goes into a black hole with no resolution. I have asked XXXX on numerous occasions to report the account to Experian as closed which has not occurred.

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 2018-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX of last year I complained to the three reporting agencies [ XXXX XXXX, Equifax and XXXX ] that for a prolonged time they reported my balance on my XXXX  XXXX credit card as too high and therefore harming my credit score. After initiating a dispute they deleted the card from my file. Not at all what I wanted, I simply wanted accurate balances to be shown. XXXX XXXX and eventually XXXX  corrected the error and since XX/XX/XXXXhave been reporting the correct info. Equifax does not and continues despite repeated attempts still shows no credit card info. They deny the existence of my card. I have sent them copies of several months statements as well as a payment history for the past year to no avail. When the balance dispute began XX/XX/XXXX my score with them was around XXXX. It still is with XXXX XXXX but my Equifax score continues to decrease since according to them I have no card. XXXX XXXX has also helped to solve this incompetence and assures me they report to Equifax monthly as required. They at one time even gave me the dates they had reported but Equifax continues to unfairly besmirch my credit. This is now a real problem as I am trying to purchase a home and will be penalized heavily for their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: GA

Complaint narrative:
XXXX XXXX DOB XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX I am writing to request a correction of the following information that appears on my credit report. 

On XX/XX/XXXX I sent validation letter to all 3 bureaus asking for them provide me with proof of collections that they are reporting belongs to me. I ask them to provide me a contract showing my signature and the agreement. They sent me letter stating the debt was verified but did not send me proof of a signed agreement with the collection agency. 
XXXX : XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$220.00} Equifax : XXXX {$1000.00} XXXX XXXX {$1600.00} ( did not provide me proof of signed HIPPA ) XXXX : XXXX XXXX {$1000.00} These account should be needed because I do not have an agreement or contract with them. They are reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
My initial intent was to submit a legitimate complaint about the errors in the handling and service of my mortgage that was transferred to Rushmore Loan Management Services. However, I see that there are over 1000 complaints logged already. Therefore my first complaint would have to be with the CFPB. There are 1288 complaints on Rushmore. Thats 1 complaint every day for 3 years without any penalty. This has allowed Rushmore to continue predatory practices and offers no faith in CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I sent a letter to XXXX XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. This delinquent information is still reporting on my credit file and I am asking for it to be deleted from each credit bureau.

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 2018-03-07 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I have an XXXX CitiCard which was closed in 2014. It is being reported as Inactive rather than closed by XXXX. I have contacted XXXX several times over the last 2 years and nothing gets done except they reply back with - " meets requirement of the fair credit reporting act. However, they are using it to lower my credit score based on an inactive account. I have opened numerous disputes with XXXX over the last 2 years, and it goes into a black hole with no resolution. I have asked Citi on numerous occasions to report the account to XXXX as closed which has not occurred.

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 2018-03-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, when it comes to my credit score i take that very serious. My score was XXXX  the it dropped to XXXX  which was not a big deal. However i paid off two of my credit cards debt for about {$1800.00} i was expecting my score to go up instead it dropped down by 22 points. I don't like the way this work it sounds like a scam to me no matter what i tried to keep it up it still going down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
NEW INFORMATION - XXXX XXXX XXXX, XX/XX/XXXX - {$81.00}, XX/XX/XXXX - {$81.00}, XX/XX/XXXX - {$81.00}, XX/XX/XXXX - XXXX. 

This information has not been submitted, and shows a Payment Plan in place between XXXX XXXX XXXX and XXXX XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: GA

Complaint narrative:
Good morning my name is XXXX XXXX, I'm writing to report three different collections agencies. I ask them to please validate the debt on XX/XX/2018 and I haven't received anything from them. 
And they probably have reported to the credit report agencies. 

1- CMRE Financial Services , XXXX XXXX XXXX, XXXX XXXX XXXX , CA XXXX 2- XXXX XXXX   XXXX XXXX XXXX XXXX XXXX , OH XXXX 3- XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
In late XX/XX/XXXX or early XX/XX/XXXX I opened a credit card online with XXXX. After my first order I requested closure around XX/XX/XXXX because I felt the merchandise was substandard and the credit limit was not worth my trouble. I also requested that a written statement be sent to me showing the closure and the balance so I would have records. The statement arrived sometime thereafter with payment due date of XX/XX/XXXX. 
On today XX/XX/XXXX, I called there customer service line to pay the account balance and their system would only allow a check payment so I entered my account information and immediately was informed after receiving a payment confirmation number that a payment profile had been created with my account information. I was not given any choice as to whether or not I wanted my checking account saved on their system. After informing me that the checking info was saved, I was then informed that the credit account was closed.

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 2018-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Account Discovery Systems, LLC
State: GA

Complaint narrative:
I received a call on XX/XX/2018 approximately XXXX XXXX, in regards to someone who has used me as a reference on a loan. This company has called me previously and I told them that I can give them a one time message. So today, they called and I explained that I have nothing to do with this and please do not call me again. The caller named XXXX proceeded to argue with me and tell me that because I was used as a reference they can continue to call me and they will unless I provide updated contact info on the person they're trying to reach. I then proceeded to tell them that I will have my attorney call them for them cease and desist from calling me. I explained that I have nothing to do with the debt and that I am not the one who they should be calling. He repeatedly told me that because I was put down as a reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
I had a loan due XX/XX/2018, had told them i would pay when i could. Called my work mutipe times even after told to stop. I was always on the clock when they would call me so i couldnt answer. They thought it'd be best to go ahead & show up to my work place to ask when i was going to make a payment ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: DC

Complaint narrative:
Coinbase, a popular virtual currency wallet, is advertising that their wallets are insured by the FDIC. By my understanding, this is factually inaccurate and misleading to potential cryptocurrency investors. 

Link to the page where this is stated XXXX XXXX XXXX XXXXXXXX Quote in question : " If you are a United States resident , your Coinbase USD Wallet is covered by FDIC insurance, up to a maximum of {$250000.00}. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
My wife and I consolidated our student loans in 2010. They advised us to list my wife, XXXX XXXX, as first on the loan, because her credit score was higher. However, they neglected to tell us that consolidating the loans, with her name first, would prevent us from taking advantage of student loan forgiveness for teachers. I don't make much money, and I am a teacher in a school in a high poverty area. I should be able to get student loans forgiven, but I can not, because the loans are consolidated and my wife 's name is first. I am doing a service to society by working in a poor school for 12 years, and yet I can not get the financial benefit for doing so that I ought to be eligible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
The credit card company offers bonuses call to know the status of the application and they say that I must apply again

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: TX

Complaint narrative:
I setup a payment arrangement with XXXX on XX/XX/XXXX to stop the collection letters and the legal action on my toll account. I paid a down payment of XXXX to bring my total to XXXX and have since keep my toll account current. I check my account today online on XX/XX/XXXX and noticed that my balance was XXXX which is wrong and I also noticed that my account had been sent to a collection agency and that it was awaiting legal action which is also wrong consider I have a payment plan and havent missed a payment since my first payment isn't until XX/XX/XXXX. I have attached the payment plan in which I have signed and I have also attached the incorrect amounts in which I am being sent daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
Our XXXX XXXX XXXX  was sold to XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NJ, XXXX. We received initial notice from them in the form of marketing materials in XX/XX/XXXX, saying they had bought our loan and more information was to follow. They never followed through with any further information. We received a letter from our old servicing company, XXXX, dated XX/XX/XXXX, advising us that XXXX XXXX XXXX was our new servicer after XX/XX/XXXX. That letter included the new XXXX XXXX XXXX loan # XXXX. XXXX XXXX XXXX has never sent us a welcome package, any kind of statement, nor instructions as to where payments are to be made. I called their customer service and they don't have any information about the loan number and wouldn't talk to me. We registered on their website and the loan number cross references to our address, but there is no loan information. The next payment is due on XX/XX/XXXX and XXXX XXXX XXXX has not provided us with a statement, payment booklet, account information, or any useful information to assist us in making our payment on time. We find this to be quite absurd given the fact that they have been sending us marketing materials and calling us with marketing offers since XX/XX/XXXX. The last payment that XXXX will accept was made on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase Card  has been inquiring on my credit every few months for the last two years. I was a customer from XX/XX/XXXX - XX/XX/XXXX but have had no relationship with them since that time. I filed a dispute with the credit bureau in lateXX/XX/XXXX but there was another inquiry. These are hard inquiries against my credit that I did not initiate. Dates are showing as XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. This has the potential to impact my credit score. 

I am also on the opt out list for promotional offers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07 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: MA

Complaint narrative:
NEW INFORMATION - XXXX XXXX XXXX, XX/XX/XXXX - {$81.00}, XX/XX/XXXX - {$81.00},XX/XX/XXXX - {$81.00}, XX/XX/XXXX - XXXX. 

This information has not been submitted, and shows a Payment Plan in place between XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2018-03-07 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: MA

Complaint narrative:
NEW INFORMATION - XXXX XXXX XXXX, XX/XX/XXXX - {$81.00}, XX/XX/XXXX - {$81.00}, XX/XX/XXXX - {$81.00}, XX/XX/XXXX - XXXX. 

This information has not been submitted, and shows a Payment Plan in place between XXXX XXXX XXXX and XXXX XXXX XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
onXX/XX/2017. I received a statement saying that I had a refund coming to me. In the amount of {$450.00}. The refund was because Citi card had improperly charge too much money or interest on a product that would pay your credit card balance, in the event that I would get sick, hurt or lose my job. So some government oversight group made Citi refund back monies for that product. Due to what ever they did wrong? So after 2 months I never saw the refund check. I called Citi 4 times. 1 call was brief. And they would check on the status. They said I got the money and the check was cashed. I went to My bank and researched no money was processed. 3 other calls were made At Painful length. I got a copy of the check. It was not my signature..and I had not cashed it. I tried working with Citi for a Fraud or  illegal cashing of the check. I asked for the record of what bank cashed the check.. so I could start to figure this out. They Can't tell me who cashed it. 
I told them the endorsement of the check was not my signature, and that I still want the refund coming to me. 2 Times they sent me the check copy when I asked for resolve. So they keep going to step 1.. and their investigation team was going to look deeper for answers..And I have heard nothing. Now their in the news for charging a High Default rate for extended lengths of time.. I did make some late payments due to work issues.. So I may fall into that category as well. But one thing at a time. Very frustrating ...

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 2018-03-07 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: TX

Complaint narrative:
I called the company to pay and they said they no longer had my debt but sold it without proper notifications. The new debt collectors added on many chargers with proper notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hi this is an on going issue that has been going on since XX/XX/XXXX. Chase has closed this case because they feel I had something to do with this. I had fraud activity going into this account. They took my paycheck to cover the funds. I feel that Chase did an extremely poor job on investigating this matter. They want me to pay the remaining balance of something I had nothing to do with. 

I still get these emails saying someone is trying to access this account. This is clear that these scammers are doing this and you guys don't want to rectify this situation. They want me to pay for something I didn't do. This is the third email I got about regarding an account that I no longer have access to or the card. I cut the card up once you guys failed to help me on this. Attached is the email I received. I can't pay this amount because I'm currently losing my apartment which is a result of this nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: GA

Complaint narrative:
Good morning my name is XXXX XXXX and I am writing to you to report XXXX XXXX XXXX from XXXX, OH. 
I wrote them XX/XX/2018 to ask them to please validate the debt and they never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
Specialized Loan Servicing has attempted to foreclose on the proprietary lease and shares in a XXXX XXXX XXXX without a valid and enforceable security interest, and collect a discharged debt in violation of the discharge injunction in place in the XXXX XXXX of New York Bankruptcy Court case XXXX. XXXX XXXX XXXX has sold a debt and mortgage while subject to Loss Mitigation proceeding in the above mentioned case to avoid the implications of the pending Objection to XXXX 's MOTION FOR RELIEF, requesting sanctions and outlining XXXX 's violations of law.

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