vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did a ftc report fir identity theft and sent multiple dispute with debt proof its me all my credit on file is fraud i never git a chance to build credit no one is helping take i toff XXXX  XXXX   and equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did a ftc report fir identity theft and sent multiple dispute with debt proof its me all my credit on file is fraud i never git a chance to build credit no one is helping take i toff XXXX  experian and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: CA

Complaint narrative:
1. I called this company to find out what this mystery knick on my credit report was. They said I had an outstanding balance for XXXX XXXX XXXX from XXXX or XXXX. ( which means they are incorrectly reporting the time of this debt and it should already be expired and not subject to posting on my credit report ) 2. They did not have the correct address on file. ( I updated them on the phone call ) They had an apartment number that does not exist in my building. They had one number. Like XXXX XXXX XXXX. Every apartment in my building has 3 digits. example # XXXX or # XXXX. I have never received any mail regarding this debt and was completely unaware anyone was trying to collect it. If I had It never would have reached collections. 
3. XXXX XXXX is billing for return of equipment which was returned to their driver when they came in to set up a couple months later. I absolutely dispute the balance of this bill and had I known they were trying to collect it I may have fixed this inaccuracy years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2017 I got a distribution from my IRA at Capital One Financial of {$35000.00}. I instructed them to send {$33000.00} to my bank account ( which they did ) and withhold {$1400.00} for North Carolina state income tax. The {$1400.00} shows on my statement as withheld but when I received my XXXX for 2017 it was not on it. I've called them several times in the last 2 weeks and Customer service tells me that another department has to look into it and they'll call me back. No answer yet so I appear to have a problem with under-withholding for NC income tax and face a likely penalty. Also, the {$1400.00} is missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC
State: CA

Complaint narrative:
I signed up with this company and was misled as to the rates and fees that would be attached to this '' line of credit '', which effectively acts like a running payday loan with ridiculous fees. 

I have paid the principal amount of the loan ( {$480.00} ), and requested that the account be closed and considered paid in full. This was in an email sent on XX/XX/2018. 

The company insists that their practices are legal due to them operating on tribal grounds, and that California 's consumer protection laws are not applicable to them. This is in an email reply from them on XX/XX/XXXX. 

Their statement in the legality of the line of credit : " MobiLoans , LLC ( " MobiLoans '' ) is organized under the laws of the Tribe, is owned and operated by the Tribe, and operates exclusively on land owned by the Tribe. As such, MobiLoans is an " arm of the Tribe, '' and entitled to sovereign immunity and therefore not subject to any state laws. '' I'm not sure what else to do. Any help you can provide will be greatly appreciated. 

Thank you

Company response to consumer: Untimely response
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking. 
I am a victim of identity theft and noticed a collection from XXXX XXXX. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against XXXX XXXX in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Professional Recovery Management
State: TN

Complaint narrative:
Called XXXX XXXX to settle the debt of {$380.00} ( toward deductible ) from  XX/XX/XXXX, but they wont talk to us because the lady said she gave it to XXXX XXXX. Served a Civil Warrant to go to court in 6 days even though the notice was dated back for XX/XX/XXXX. Husband called court house to push court date to XXXX. XXXXXXXX XXXX lawyer wants to charge us $ 700+ ( Attorney fee, court fee, processor fee ) which includes court costs that didnt happen. 
They said we have to pay the full amount before the court if we want them to drop the judgement. 

They said if I dont pay they will file a judgement against me. Can they get away with doubling our debt? I am the only one working and supporting a family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have a closed credit card with Navy Federal Credit Union. I have been paying on my card for over two years now on time every month. The credit balance is not increasing correctly and my debt balance is not going down. I called Navy federal twice and they dismissed my complaint by saying the money is going towards the APR. It looks like they are just taking all of my money and none of the money is going towards paying the balance down. My credit score is very poor now and they keep reporting my card as not paid up or on time in which I've correctly did both. I need help in fixing this and do not know who to speak to..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
2008 the loan was taken out. Predatory Loan company Navient. Have resently been hit with a huge financial burden. Unable to pay. Have veen paying on and off for the 10 yrs of the loan. 
Using a debt relief program. 
Harassing Cosigner to no end. Have refered company to XXXX XXXX. To no avail, they are harassing cosigner. 
Life of loan I was never offered adjustments in payments that could realistically pay off debt. 
Now as my parents are XXXX and XXXX they are being harassed by lenders i never had to use in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I used this account for years and then I had a charge I was trying to dispute and I contacted XXXX for months as the charges were not mine and they ignored it and continued with the collection efforts. I have been trying to resolve this for over a year now and I eventually just stopped making payments on it last year. The only reason I kept paying was just so it doesnt hurt my credit which now of course it has. This has impacted me greatly and I dont know who else to turn to, this card was originally mine but the debt on there is not. Please help me

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 2018-03-09 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: PRESTIGE FINANCIAL SERVICES INC
State: MN

Complaint narrative:
Prestige financial garnished my wages and still have me listed as owing them money 2 different amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: MD

Complaint narrative:
I opened an account with BBVA on XX/XX/17. I completed my application on that day, but was approved at a later day. BBVA was running a promotion for setting up an account with a direct deposit of {$300.00} or more. I completed the direct deposit and waited the allotted time. My bonus has not been paid. I have called BBVA multiple times and they always say they will look into it but I have never been called back. I was eventually told I opened the wrong account, but after that call I went and looked at my application and it was for the correct account for out of state applications. I emailed multiple times and after weeks I get a reply that the account was opened after XX/XX/17 even though I completed my application on the date. I then email again showing that my application was completed on that date. I get a response a week later to call in again. I call in again and get told it will be looked into again. 

Still no follow up. I just want this properly handled and the promotion applied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
went to original creditor to fix problem they told me i owed a XXXX balance and they were calling the gla collection company to have it removed from my credit reports gla seems to be drgging their feet on the issue please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I sold XXXX LTC Litecoin on Coinbase at {$220.00} per LTC. I was to receive the amount of {$720.00} back to my XXXX XXXX account ending in XXXX, on XX/XX/2017. Also, on the same day, I sold XXXX BTC Bitcoin at {$12000.00} per BTC. I was to receive {$130.00} to my XXXX XXXX account ending in XXXX on XX/XX/2017. 

I have yet to receive any money to my account. I tried calling the Coinbase customer service several times, and after being left on hold for hours at a time, and being hung up on instantly, once the call gets through, I decided to take further action and contact you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I saw an article that President Donald Trump proclaimed this week as National Consumer Protection Week so I decided to check my credit report as suggested. I noticed I was marked previously past due or late by being 30 days past due on XX/XX/2017 and 60 days past due XX/XX/2017. I had thought I made my payments on time and didn't realize I was ever late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: GA

Complaint narrative:
The following accounts are more than 7 years old. They refuse to remove in the statutory time frames required by law. These items were included in a bankruptcy which is more than 7 years since since the discharge date. 

1. Account Name XXXX XXXX Account Number XXXX -- Discharged through Bankruptcy Chapter Status Updated XX/XX/XXXX 2. Account Name XXXX XXXX  XXXX XXXX Account Number XXXX Status Updated XX/XX/XXXX 3.  Account Name XXXX XXXX XXXX Account Number XXXX Status Updated XX/XX/XXXX 4. Account Name XXXX  Account Number XXXX Status was a account opened via fraud, company will not remove. 

5. Account Name XXXX XXXX Account Number XXXX Account Type Credit card Status Discharged through Bankruptcy Chapter XXXX/Never late. 
Status Updated XX/XX/XXXX 6. Account Name XXXX XXXX XXXX XXXX Account Number XXXX More than 7 years past the original date of XXXX 7. Account Name XXXX XXXX XXXX Account Number XXXX Status, more than 7 years after date of last debt issue, was included in bankruptcy

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 2018-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Their was fraud on my credit card. Capital one has reimbursed the fraud charges, but hasnt reimbursed fee and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I try calling no one has gotten back with me I disputed it over and over. They trying to charge me for something that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: GA

Complaint narrative:
I consolidated my loans in 2007 with the promise that if I worked for a non-profit for 10 years I would have them forgiven. XXXX XXXX signed me up for a loan that doesn't work for that program even though I had said at the time that I wanted to participate in the student loan forgiveness program. 

In XXXX I tried to have my loans forgiven and was told about it being the wrong type of loan. I reapplied for the correct loan and was approved. I also applied for Income Based Repayment. That application is supposed to take 3 weeks but it has been over 6 with no progress. I've called and emailed and heard that it was being worked on but nothing has happened. the people I talk to keep saying that they will expedite it but then I end up calling again a week later to find that nothing has changed. 

This process is confusing and annoying and I have to take time out of work in order to call and take care of the issues. It's very frustrating and they don't seem interested in doing their jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: SC

Complaint narrative:
On XX/XX/XXXX my dispute was received by Equifax. I disputed a collection that was placed on my credit report by XXXX XXXX XXXX. I also sent the company a validation letter. I pay for a credit monitoring service which alerted me on XX/XX/XXXX that the account was removed. On XXXX XXXX I received a new alert that the account was placed back on my credit report. I never received anything from Equifax stating that they were placing the account back on my report. I received paperwork in the mail from XXXX XXXX XXXX stating they were providing me with validation. XXXX XXXX XXXX  provided an an alleged contract they say was from XXXX XXXX. XXXX XXXX XXXX  provided their account number which is XXXX. Then they provided an account number which they alledge is from XXXX XXXX XXXX. The contract which they alledge is from XXXX XXXX has an account number of XXXX. The original account number from XXXX XXXX XXXX and the account number on the contract they sent me do not match! The alleged contract also does not have my signature. I am including the letter sent to me from XXXX XXXX XXXX and a contract they claim is from the original creditor. 
The information is inaccurate and the company clearly is not able to validate this account according to the FDCRA. This account was removed from my report and placed back on without the 3 day notification and without being properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, I recently had an account with capital one bank which was closed due to their decision not to continue the business relationship with me. However, i have tried numerous times to call them requesting my funds ( I have a little over {$280000.00} ) which they are not able to give me any details about receiving my funds. 

I believe this bank is stealing my money and not communicating with me in regards to my repeated requests to receive my funds. 

I would like this matter investigated and prosecuted to the full extent of the law for this bank to close my account and hold my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Dear CFPB, On XX/XX/XXXX I was hospitalized for a procedure at XXXX XXXX XXXX XXXX XXXX for XXXX XXXX operation. My entire stay in the hospital was less than 2 hours and half hour of that was taken to fill out the paper work. The insurance company XXXX did not pay the hospital bill for the following reasons : On XX/XX/XXXX the XXXX XXXX XXXX XXXX wrote to me ( document in my possession ) : you are not responsible for all the related costs. 
My insurance company XXXX XXXX refused to pay the hospital bill ( see Exhibite A ) CMRE a collection agency bought my case from XXXX XXXX XXXX XXXX XXXX and on XX/XX/XXXX received judgement against me to pay them about {$22000.00} ( the total hospital charge was {$14000.00} ). I lost the case because I was representing myself. On the same day I appealed the case and hired a lawyer with name XXXX XXXX XXXX to go to the appeal court in my absence, as I was out of the country. The lawyer missed the appeal court and I lost the case On XX/XX/XXXX, CMRE the collection agency started a motion against me to extend the judgment for 10 more years and claimed total of {$41000.00} including interests. Fortunately the judge discovered that they were wrong in their calculation as they were calculating % 10 interests on the combined judgement and interest which resulted about {$6000.00} over charge and the judgement was reduced the debt to {$35000.00}. This made me think that they have used the same wrong calculation for a lot more people ( this collection agency is a big company ). 

On XX/XX/XXXX My lawyer  XXXX XXXX wrote to them and made an offer of {$5000.00} for the settlement or he would go ahead and file suit againg the medical provider for fraud and negligence. 

CMRE has put a lien on my property. 

As my lawyer missed the appeal court I complained against him to the Bar Association and after 3 years Bar decided to suspend the lawyer license as there were 10 other cases against him. 

I would request that Consumer Financial Protection Bureau for a solution and/or a dialog with CMRE to come up with a settlement agreement so I will be able to pay base on my ability. 

EXHIBITE A There has been inconsistencies and excessive billing which raised questions about the validity of records provided by the hospital. 

The hospital in their appeal to the insurance company did not provide additional information insurance company requested to support the billed services. 

The type of XXXX  was XXXX but the XXXX  orders states that the type of XXXX is XXXX The history and physical states that the patient is currently on no XXXX. However the XXXX XXXX XXXX checklist and XXXX XXXX XXXX states that the patient presently takes XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I paid for my credit report and it had incorrect information about who I work for, who I owe money to and several other issues. I had to send so many documents to Equifax to prove that I am who I state and letters showing what was listed incorrectly, that the postage for this envelope was almost {$10.00}. 

I never received a reply from Equifax. I did get credit reports from the other two credit agencies that simply showed that I dispute my credit report. 

How do I get someone on the phone and get the information corrected? 

Why do I have to pay to review my own report to see if Equifax made the corrections?

Company response to consumer: Closed with explanation