vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX ( " Student Loans '' ) has wrongfully and illegally via violation of the Fair Debt Collection Practices Act reported duplicate accounts ( it should only have been reported once ). They are exactly the same ( with the same creditor ), but reported twice. This is severely harming my credit score. I had complained and filed a report and requested an investigation with all credit bureaus, but to no avail. They did not rectify the problem at all. The " duplicate report '' was filed as a charge off starting XXXX of 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 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: FL

Complaint narrative:
XXXX XXXX ( " Student Loans '' ) has wrongfully and illegally via violation of the Fair Debt Collection Practices Act reported duplicate accounts ( it should only have been reported once ). They are exactly the same ( with the same creditor ), but reported twice. This is severely harming my credit score. I had complained and filed a report and requested an investigation with all credit bureaus, but to no avail. They did not rectify the problem at all. The " duplicate report '' was filed as a charge off starting XXXX of 2017.

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 2017-12-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada)
State: FL

Complaint narrative:
ALLIED COLLECTION SERVICXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX(XXXX) XXXXThis company is not licensed in Florida. Cannot be on my credit report and needs to be removed!

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 2017-12-29 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: OH

Complaint narrative:
I have a card my husband is an authorized user I can’t get them to report it to trans union or XXXX it was on there but they removed it for over the last 60-90 days I have been calling trying to get this corrected I have called no less than 10 times and each time I get a different story most ending with we will get these reported but yet they don’t and I call and let them know and I get no where I am told there is no one I can talk to who handles this we have advised them of the fair credit reporting act yet no one will correct this we have a consultation with and attorney due to these violation all we really want is to have this card reported to my husband XXXX XXXX credit like it is supposed to be we are trying to build his credit to buy a house but they just won’t find out what the problem is and fix it

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 2017-12-29 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: OH

Complaint narrative:
I have a card my husband is an authorized user I can’t get them to report it to XXXX XXXX or experian it was on there but they removed it for over the last 60-90 days I have been calling trying to get this corrected I have called no less than 10 times and each time I get a different story most ending with we will get these reported but yet they don’t and I call and let them know and I get no where I am told there is no one I can talk to who handles this we have advised them of the fair credit reporting act yet no one will correct this we have a consultation with and attorney due to these violation all we really want is to have this card reported to my husband XXXX XXXX credit like it is supposed to be we are trying to build his credit to buy a house but they just won’t find out what the problem is and fix it

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 2017-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I used to have account with XXXX including XXXX XXXX . Last year I moved to different city and request them to transfer XXXX XXXX account under my wife name . After 2 months they discounted the service saying that I owed them XXXX dollar and after paying that amount they restored the service again. In XXXX they started calling me to pay that amount again and started threatening to send for collection. . In XXXX I got letter from Diversified consultants for collections of XXXX( reference number XXXX). I called them and made them clear about the situation. Now they put this note on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-29 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: MRS BPO, LLC
State: OK

Complaint narrative:
MRS Aaociates called my business provided and paid cell phone  on XX/XX/XXXX asking for XXXX XXXX. I told the woman that there was no one by that name nor did I know anyone by that name. I told her she had a wrong number and not to call in the future. They called again on the XXXX and hung up when I answered. Then called again on the XXXX.  I called their number three time until I spoke to a XXXX XXXX and was told again they would take my number off but it would "take at least 48 hours"They call from different numbers that can't be called back. They repeatedly hang up When the call is answered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/17 at XXXX I attempted to make a cash deposit into Bank of America ATM in XXXX XXXX, IL. ATM stated it was not accepting cash deposits at this time. I attempted to use the drive through service but they refused to help since it was XXXX and they were closed. The teller at the XXXX XXXX, IL location told me that any fees incurred on my account due to the ATM equipment issue will be refunded and to call Bank of America to report the issue. I called Bank of America the next morning and explained the issue to XXXX XXXX ID# XXXX who informed me that it is not Bank of America's problem if their equipment isn't working and that the $XXXX in overdraft fees as a direct result of Bank of America's refusal to accept a deposit through their ATM would not be refunded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX. The credit bureau is refusing to remove two bankruptcies from my credit report that are not my accounts. I have never submitted nor filed for bankruptcy in my life. I am XXXX years old and I've been dealing with credit for a very long time. A recurring issue I've had to fight with the credit bureau about is that they will report other persons' accounts on my credit that are not mine. This has happened to me before and is the exact same situation that is happening with these two bankruptcy accounts. The first one has a filing date of XX/XX/XXXX with reference #XXXX. The second one has a filing date of XX/XX/XXXX with reference #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 2017-12-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
fay servicing. we were to get a harp loan for refinancing according to fay services. My son had a car accident in XX/XX/XXXX. I was a passenger and got XXXX XXXX which caused me to miss 4 months of work. we struggled and still made our mortgage payments but missed one for XXXX. that payment was made on the XXXX Wednesday of XXXX when my wife got her social security. I was trying to find a new job during this time. I managed to get work for the XXXX season. We missed the payment for XXXX and paid XXXX and XXXX payment on XX/XX/XXXX. I thought from everything I have read that harp loans have to be behind 90 full days before we go into default. I found a letter dated XX/XX/XXXX from fay servicing stating that we were in default on our loan and demanding immediate payment plus a XXXX dollar corporate fee. If Fay did n't get us the proper loan they did n't disclose this to us. From what I understand it is illegal for them to send those notices. They also would not even tell us who our actual mortgage holder was even though I requested this information several times. It seems something shady is going on. Also when we call in our account representative is either not in or not available. We have called every day this week trying to figure out what they are up to. No one will talk to us and XXXX XXXX our representative is not available. We want to know what they are up to. also when our loan was redone they told us we were going to get a check for the overage in the escrow account. That never happened either. Eventually they did sent it to the mortgage company and it was applied to our loan. why ca n't they just tell the truth? Any assistance you could be would be greatly appreciated. We feel they are hiding from us what they have actually done and what they continue to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent numerous disputes to Equifax regarding a closed account for XXXX from 2001, to no avail.  Equifax has refused to correct the incorrect information in my credit report.  I no longer have an account with XXXX or an outstanding bill; however, the inaccurate information has been reported in my credit file repeatedly.  I have experienced a credit breach with Equifax and have attempted to resolve this incorrect information continuously for almost two years.  I am requesting the incorrect information to be removed from my credit report.  It has been removed with XXXX and XXXX, but Equifax continues to report inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX. The credit bureau is refusing to remove two bankruptcies from my credit report that are not my accounts. I have never submitted nor filed for bankruptcy in my life. I am XXXX years old and I've been dealing with credit for a very long time. A recurring issue I've had to fight with the credit bureau about is that they will report other persons' accounts on my credit that are not mine. This has happened to me before and is the exact same situation that is happening with these two bankruptcy accounts. The first one has a filing date of XX/XX/XXXX with reference #XXXX The second one has a filing date ofXX/XX/XXXX with reference #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 2017-12-29 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: FL

Complaint narrative:
My name is XXXX XXXX. The credit bureau is refusing to remove two bankruptcies from my credit report that are not my accounts. I have never submitted nor filed for bankruptcy in my life. I am XXXX years old and I've been dealing with credit for a very long time. A recurring issue I've had to fight with the credit bureau about is that they will report other persons' accounts on my credit that are not mine. This has happened to me before and is the exact same situation that is happening with these two bankruptcy accounts. The first one has a filing date of XX/XX/XXXXwith reference #XXXX The second one has a filing date of XX/XX/XXXX with reference #XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I initiated an in-app purchase for {$24.00} in the XXXX XXXX  app. Because I have an XXXX device, the payment transaction was done the XXXX XXXX XXXX and {$24.00} was immediately deducted from my XXXX XXXX account. Instead of immediately receiving my in-app purchase, XXXX XXXX displayed an error message about a fatal error and directed me to restart the app to collect my purchase. 
When I still had not received my purchase after several restarts and reinstalling the app, I used the XXXX XXXX XXXX 's on-line " report '' process to request a refund. In response, Google refused to issue a refund because their refund policy did not authorize refunds for my issue - not receiving my purchase. 
Unhappy with the automated response, I requested a call from the XXXX XXXX XXXX to resolve the issue. After spending several minutes on hold waiting for the representative to further investigate the issue, I was told the delay was caused by a glitch and that 24 hours after the transaction either I would have my purchase or a refund. 
When 24 hours passed without receiving my purchase or refund, I again spoke with a XXXX XXXX XXXX representative by phone. Despite requiring XXXX users to make payments through the XXXX XXXX XXXX, This 36 minute phone call consisted of the rep telling me that Google could not issue a refund and that I needed to talk to the developer. When I objected because XXXX XXXX is an agent for the developer and asked to speak to someone with authority, I was told there was no person available. 

1 order ( s ) not refunded for a total of USDXXXX XXXX Gold ( XXXX XXXX ), USDXXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : Case ID [ 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 2017-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
CoinBase Has locked my account, I can not buy/sell or transfer crypto currency.  I owe XXXX dollars on the account and it is in good standing.. I have been trying to contact them for almost a month and I did not get my emails answered. I called them today and spoke with a woman she said she was going to escalate it.  And that she is sorry.. This is unacceptable to be holding my money like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Sears Credit Card / Interst rates are to high.

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 2017-12-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Due to Job loss I contacted two of the company 's that I have credit cards through. XXXX ( Store Cards ) and XXXX XXXX. ( XXXX XXXX store card ). I advised that due to circumstances I would like to see what kind of payment arrangements or programs they had for assistance. ( I have been a long time customer in good standing ). I was told that they hardship programs they had were not available until I was at least 2 months behind. That would then mean that besides being late I would accrue fees for being late and over the limit and ( my credit rating would be affected ). I again advised I am  trying to be proactive to avoid these issues. They advised me they would NOT work with me in advance of being behind. They would not lower my interest rate nor negotiate. Secondly working with me after the fact of being behind usually involved lowering my payment amount but the account would be closed. This also negatively affects my credit. With most interest rates being 17.99 to 24.99 % these company 's have made 3-4 times over of what you actually owe and has you over a barrel since the world revolves on that almighty credit rating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
National Credit Systems is station that I owe a debt. I would like to be provided validation or contract from this company for said debt! I do not have a contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 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: GREAT LAKES
State: FL

Complaint narrative:
I previously filed a complaint against MyGreatLakes.org, the company that the Federal Dept. of Education assigned to manage my loan.

There is nothing in it for these private companies to assist borrowers with loan forgiveness as they make Monty from the interest collected. The loans are not like any other fair practice loan program terms that a sane, educated consumer would agree. 
My repayment plan amount was to have increased to {$280.00} in XXXX, XXXX. However, XXXX increased my payment to {$300.00}, in XXXX, without consulting me. When I contacted them, I was informed they needed to do that so the loan would be paid off on time. In addition, my payment due date keeps changing without notice, it was and has been the XXXX of the month. 
I also question their algorithm for payment application bc they applied all payments I made between XXXX and XXXX to interest. It isnt the first time. I think there should be an audit of these loan administrators because they are likely the same kind of lenders that are considered predatory for students applying for student loans. 
Each time they arbitrarily change the payment, the due date changes as well. 
It is bad enough that my original loans in the amount of $ XXXX ballooned up to $ 54K in 7 years when I consolidated and then again almost doubled after consolidation despite making payments. My Pell Grants, Perkins And Stafford Loans combined to this total amount of over $ 90K, and MGL considers all of the amount principal. Ridiculous! 
I worked in the XXXX sector for over 6 years and qualify for the Public Service loan forgiveness except the XXXX time had to occur after XXXX. As a single mother I couldnt afford to work in the XXXX  sector after XXXX. 
This company isnt transparent, there is never any end to their shady payment application and total lack of respect for the customer. The government has given them carte blanche to make as much money as they want to collect on student loans. The loan shark program that is the student loan program has a middle man to collect and in my case, its XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: WI

Complaint narrative:
XX/XX/17 I received a new account notification from XXXX XXXX. I found that it was from Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX for the amount of {$1500.00}. Says that it is from XXXX XXXX XXXX XXXX. It does not have a date listed on it as to when the " loan '' was taken out. I have no idea what this is regarding.

Company response to consumer: Closed with explanation