vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
On XX/XX/XXXX I requested the removal of a credit freeze from TRANSUNION, I was not notified of any issues, and was alerted that the freeze had been removed. When my wife and I applied for an apartment on Friday, XX/XX/XXXX, my assumption was that this freeze had been removed. 

However, I received a notification from the potential landlord on Monday, XX/XX/XXXX that the freeze was still on my account, and I would be charged an additional {$35.00} ( with no guarantee of getting this apartment ). 

When I called TRANSUNION, two people incorrectly told me that the freeze had already been removed, and refused to acknowledge that there was an issue. After 45 minutes on the phone, I finally spoke with someone who acknowledged and error. However, they told me the account needed to be frozen for an ADDITIONAL 5 DAYS, and that they would not alert me when the freeze was lifted ( I would have to sit on the phone for another hour to determine this ). It was important to confirm this, because I did not want to have another {$35.00} fee for a failed credit check. 

When I called back today, I had several people tell me that nothing was wrong with my account ( similar to last time ), I had to spend 45 minutes on the phone before someone was able to confirm that maintenance had actually been performed. 

This is an unbelievable abuse of the power, and I believe that in order to maintain all of their proper accreditation, they should put in additional stop gaps to prevent this from happening.

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 2018-04-18 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: Receivables Performance Management, LLC
State: TX

Complaint narrative:
. 
Here is my complaint, after much research and develop, I dispute the collected data. The marks are prejudicial ; derogatory, non-credit worthy, in-correct & dispute citations reported by XXXX, XXXX, and XXXX. Do these agents take any responsibility according to ( F.C.R.A. ) Fair Credit Reporting Act XXXX against { RECEIVABLES PERFORMANCE }? So I submit to you for examination, that this data also made by XXXX, XXXX, and XXXX violator of the ( C.C.P.A. ) Consumer Credit Protection Act XXXX  because its a consumer. 
XXXX XXXX XXXX said, An unfair law is no law at all its that unfairness which certain aspects are reported while others omitted, its unnecessary complex. I consider fair is removal of all negative citations which prejudges another. Since this type of reporting to perspectives like businesses, creditors employers alike ( places rose colored glasses on their eyes ). Hence it must be fair since both are looking for honest brokers. Fair is stated, PAID/CLOSED and REMOVE ALL HARD /SOFT INQUIRIES reflected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Direct Recovery Services, LLC
State: NY

Complaint narrative:
Re Direct Recovery, XXXX. They were hostile and I don't think I have any unaccounted for debts. 

XX/XX/18 XXXX I got a phone call on my cell phone from XXXX, which I let go to voice mail. The message said that because I did not respond previously that I needed to call XXXX. There were no details. I called XXXX on my work phone around XXXX XXXX. I asked who is this business. He said Direct Recovery, then he said hostilely to look it up on line. I said what is this regarding. He said they were debt collectors. He was very upset that I did not call from my cell phone. He was hostile on the phone ; he was asking for my information. I said before I give it to him I need to know more. He cut the phone call short. 

I do not know what this is regarding. I don't know what I owe that I'm not already paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
ON XXXX XXXX2017 A SAVING ACCOUNT WAS OPEN WITH MY PERSONAL INFORMATION WITH AN ACCOUNT NUMBER ONLINE WITH NO IDENTIFICATION FROM MYSELF FROM A THIEF THAT USED MY PERSONAL INFORMATION ON THIER COMPUTER IN XXXX   ANOTHER COUNTRY WITH A UNITED STATES ADDRESS ( MY ADDRESS ) BY ALLY BANK IN THE UNITED STATES. CREDIT BUREAU WAS NOT PULLED BECAUSE IT WOULD HAVE STOPED THE TRANSACTION BECAUSE I HAVE A BLOCK ON ALL THE CREDIT BUREAUS. THIS IS A FAILURE ON AN US BANK TO ALLOW ANY ONE BEHIND A COMPUTER TO USE MY INFORMATION WITH OUT PROPER IDENIFICATION OF WHOSE APPLYING FOR A ACCOUNT! THIS IS AGAINST THE LAW HERE IN AMERICA TO OPEN A FORIEGN ACCOUNT ON US SOIL TO TRY MAYBE TO SHELTER MONEY OR LAUNDER MONEY TO OTHER COUNTRIES! THIS FAULTY PROCEDURE OF ALLY BANK HAS BREACH MY IDENTITIY FOR A PROFIT WITH OUT THE IDENTITY FOR THAT SALE. THE COMPANY REFUSED TO SENT ME THE DOCUMENTATION THAT WOULD VERIFY THAT THE ACCOUNT WAS LEGAL BEFORE THE ACCOUNT WAS ESTABLISHED WITH THIER ONLINE BANKING PROCEDURES THAT SHOULD HAVE BEEN FOLLOWED BY 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
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ATG Credit, LLC
State: IN

Complaint narrative:
ATG Credit has violated 15 USC 1692 by continuing collection after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In XX/XX/XXXX, I made a {$4400.00} payment to American Express ( AMEX ) via a convenience check on my XXXX XXXX ( XXXX ) credit card. Basically, I did a balance transfer of {$4400.00} from AMEX to XXXX. AMEX received the check and applied the credit to my XX/XX/XXXX statement ; meanwhile XXXX added the {$4400.00} to the balance owed on my credit card with them. Shortly thereafter, by XX/XX/XXXX, I paid off the XXXX credit card in full, which included the {$4400.00}, and I closed the XXXX credit card account. Now, in XX/XX/XXXX, 6 months later, AMEX applies {$4400.00} to my statement balance, claiming that the convenience check from XX/XX/XXXX was returned unpaid by XXXX XXXX. I never received any type of refund from XXXX, and they insist that the payment was made to AMEX. I disputed the amount with AMEX several times, sending them XXXX statements and documents showing that the amount was paid, yet AMEX still claims that I owe them the {$4400.00}. On three separate occasions I requested documents from AMEX showing that the payment was returned to XXXX, and AMEX has not yet provided any documents even though they promised to. I don't know what else to do, or who to turn to for help with this issue, please help, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc.
State: NC

Complaint narrative:
I made a deposit to Coinbase wanting to exchange USD to buy Litecoins ( LTC ) using my XXXX credit card {$50.00} which is issued by XXXX XXXX XXXX XXXX XXXX XXXX. I later transferred {$500.00} from XXXX to Coinbase. Both were lengthy processes taking over a week or two because to set up ACH transfer you need to respond back and forth with a security code and set up amounts to prove and security the accounts back in XX/XX/XXXX. I did this verification and finally in XX/XX/XXXX I observed the transaction on my Coinbase account as XX/XX/XXXX & XX/XX/XXXX, and from electronic statements from XXXX. My problem is Coinbase double billed both amounts, the {$50.00}, {$500.00}, and a {$10.00} fee. I called XXXX about this and they said it was all requested from Coinbase. I call Coinbase and they say it was a glitch on XXXX / XXXX end. There's a ton of complaints on the internet about Coinbase double billing clients. I call Coinbase XXXX and corresponded with Coinbase via XXXX. Wrote them : Coinbase, Inc., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. They say they have it as top priority to refund my money, but it doesn't happen. I have made multiple attempts, even provided copies of my XXXX statements. Nothing happens. They say it takes time because they can't correct quickly because of security and all transactions must be slowly & carefully handled. This is nearly 3 months. I will try to attach images of my XXXX  statements. When you contact Coinbase they will ask you for my full name : and email address. Their transaction account information is on the XXXX statements. They have a file under my account about this matter, because I request, and they acknowledge each time I talk to them on the phone. Actually they say you are only supposed to use the phone only if your account has been hacked or breached and use the Coinbase email support on all other matters, but they never reply, just a robot acknowledgement. Thank you for helping me. I got your contact information by reviewing Coinbase complaints on the internet. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: PREFERRED CREDIT INC
State: TX

Complaint narrative:
Here is my complaint, after much research and develop, I dispute the collected data. The marks are prejudicial ; derogatory, non-credit worthy, in-correct & dispute citations reported by XXXX, XXXX, and XXXX. Do these agents take any responsibility according to ( F.C.R.A. ) Fair Credit Reporting Act 1970 against { }? So I submit to you for examination, that this data also made by XXXX, XXXX, and XXXX violator of the ( C.C.P.A. ) Consumer Credit Protection Act 1968 because its a consumer. 
XXXX XXXX XXXX said, An unfair law is no law at all its that unfairness which certain aspects are reported while others omitted, its unnecessary complex. I consider fair is removal of all negative citations which prejudges another. Since this type of reporting to perspectives like businesses, creditors employers alike ( places rose colored glasses on their eyes ). Hence it must be fair since both are looking for honest brokers. Fair is stated, PAID/CLOSED and REMOVE ALL HARD /SOFT INQUIRIES reflected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
I was turned over to collections by my hospital and the collection agency Harris an Harris contacted me for money. I paid {$1000.00} from my husbands Health savings account on XX/XX/18 and they can not find the payment. I faxed the statement to them showing the payment and contected them today and they still cannon find the payment. They said they are going to report the rest of my outstanding balance tyo the credit agencies since I still owe it and I told them that I can not make another payment until they find my {$1000.00}. She said it does not matter, I still owe the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I recently discovered that I C System Inc has been reporting an outstanding XXXX debt ( XXXX XXXX Hospital ) to my credit since XX/XX/2015. I do not owe this. I don't know how XXXX determined anything was owed to them since payment was made at the time services were rendered. It's not like my XXXX can walk in on his own and have services billed to me. I have attempted to dispute this debt to both IC System and the XXXX XXXX office, to no avail. I have asked for proof of this debt and received no response. IC System simply keeps verifying it as accurate without ever actually telling me how.

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 2018-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a CFPB compliant against XXXX XXXX. They said it isn't them that is misreporting the data. Yes, a foreclosure was started by XXXX XXXX  in XX/XX/XXXX but, the house was short-sold in XX/XX/XXXX and it never foreclosed. Experian is showing in the 24-month payment history a Charge off status XX/XX/XXXX. This is an error. You can see the other 2 bureaus do not report this information. This issue is causing me a mortgage decline because my lender says my house was foreclosed not short sold which is wrong.

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 2018-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have many promotions on my XXXX XXXX XXXX, they are zero percent for 6 months or 1 year. I keep up with all of my promotions on a spreadsheet. I know exactly when they need to be paid and have never missed one. Every month on my statement I am charged interest even though I make sure I pay more then what is due on my regular purchases. Example, last month my purchases were {$120.00} so I paid that amount and an extra {$20.00} to go towards my promotions that are not due until XX/XX/18. I still got charged interest because they did not apply the payment to my purchases first. Every month they apply my payments to the promotions which aren't due at that time and charge me interest on my purchases. This is XX/XX/XXXX and they are applying my money to my 0 % promotion that isn't due for 3 months. If I did not examine my statements I would never pick up on this. When I call they credit the interest and I am told that I have to call every month to tell them how I would like my payment applied. This does not seem fair. I, as I am sure everyone, would like to have the promotion be a promotion and not pay interest on my purchases. I feel that this is a scam and I can imagine that plenty of people are paying this interest and not calling every month. Please Help!!!! Thank You.

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 2018-04-18 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Here is my complaint, after much research and develop, I dispute the collected data. The marks are prejudicial ; derogatory, non-credit worthy, in-correct & dispute citations reported by EQUIFAX, XXXX, and XXXX. Do these agents take any responsibility according to ( F.C.R.A. ) Fair Credit Reporting Act XX/XX/XXXX against { XXXX XXXX XXXX }? So I submit to you for examination, that this data also made by EQUIFAX, XXXX, and XXXX violator of the ( C.C.P.A. ) Consumer Credit Protection Act XX/XX/XXXX because its a consumer. 
XXXX XXXX XXXX said, An unfair law is no law at all its that unfairness which certain aspects are reported while others omitted, its unnecessary complex. I consider fair is removal of all negative citations which prejudges another. Since this type of reporting to perspectives like businesses, creditors employers alike ( places rose colored glasses on their eyes ).  Hence it must be fair since both are looking for honest brokers. Fair is stated, PAID/CLOSED and REMOVE ALL HARD /SOFT INQUIRIES reflected

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I believe CitiMortgage and XXXX/XXXX XXXX  as " alleged Servicers '' engaged in an ilegal transaction carrying my name Back in XX/XX/XXXX/XX/XX/XXXX going beyond their capacity as " SERVICER '' a capacity as the original deed said Belongs only to the OWNER/INVESTOR of the Documents Deed as it states PAGE10 SECTION 18.

Also the amount Transferred or sold its different from the amount when I got the original Documents back in XX/XX/XXXX. I don't know why CITIMORTGAGE made me sign a different amount that the original amount when I got the original Loan Documents it was for $ XXXX  with XXXX XXXX   and Citibank Made me signed with them $ XXXX  as you see the amount differs.

( It could be because my native speaking language is XXXX and I didn't realized what I was signing back in XX/XX/XXXX, It could be I was taking advantage because I don't fully or understand English ) .I found the original documents I found this information related it to. This complaint inquire is related with the other 2, I filled against the Alleged Servicer XXXX/XXXX XXXX   XXXX  and XXXX.

So when I sent it CitiMortgage a QWR they couldn't validate the correct amount of the debt in this Mortgage account.

I'm attaching the proper documentation because I believe I paid from XX/XX/XXXX  up to XX/XX/XXXX more money for an amount it differs from the ORIGINAL DEED.

I would like the CFPB regulators look into this matter because to me its no right This its UNJUST ENRICHMENT as the other alleged servicer said they cant not provide information where my money its going, they just said the Investor is 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 2018-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have been trying since XX/XX/2017 to contact XXXX XXXX XXXX XXXX to take care of a collections account for a payday loan I got with XXXX XXXX. The phone number on the credit report is listed as XXXX. When I called that number, it was a scam that claimed to be XXXX XXXX that said they would take my credit card after I agreed to receive a {$100.00} gift card. They said they were going take $ XXXX/month something, I still don't understand. I felt something was wrong, so I decided not to make any of those payments. I tried the number again recently and they tried to give me a free cruise and said they were XXXX XXXX. When I turned down the free cruise, they hung up on me. 

I tried again today using the number above ( which is showing on my XXXX and TransUnion credit report ) and after it was suggested that I put a '1 ' in front of the phone number above, I did, and I got through to XXXX   XXXX. Because it has taken me so long to finally get in contact with this debt collector, my balance has increased and I haven't been able to address it. This has prevented me from paying this in a timely manner, which is a barrier to being able to get housing.

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 2018-04-18 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: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX is reporting to equifax monthly since XX/XX/XXXX of an auto loan that is financed through them. When I went to purchase my car in XX/XX/XXXX I  was made aware of the XXXX account and several other accounts reporting to my credit report but only to equifax. All of the accounts that did not belong to me was from one individual however its only showing on equifax report. I have contacted the other 2 credit agencies and they dont have the information. Since then I have tried disputing I have contacted both equifax and XXXX and requested that they remove the account from my credit report but neither company is doing anything about it. I was able to have the other accounts removed from my credits by doing a dispute except this one account. Equifax is blaming XXXX  and XXXX  is blaming equifax. I am at the end of purchasing my first home but due to this issue my current buyer is backing out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal Credit Union has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation